Expertise.com
2024

Last updated:

Best Health Insurance Agencies in Escondido

Our Recommended Top 11

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Escondido Health Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

2853

Reviewed

1716

Curated

11

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
12941 Pomerado Road, Poway, CA 92064
  • Life Insurance
  • Health Insurance

Why choose this provider?

Del Dios Insurance Services Inc. is an independent insurance agency that serves clients in Escondido. It offers a variety of health insurance plans, including Medicare, individual health insurance, family health insurance, and group health insurance. Del Dios Insurance Services also offers other types of insurance products, including flood insurance, specialty homeowners' insurance, and motor homes insurance. To provide customized insurance coverage, it has formed partnerships with several insurance companies, such as Blue Shield of California, Health Net, and Kaiser Permanente.

License Verified:

License: 0H30238

California Department of Insurance

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1530 South Escondido Boulevard, Escondido, CA 92025
  • Individual Plans
  • Life Insurance

Why choose this provider?

Kebco Insurance Agency is a company that provides health, life insurance, and employee benefit plans in Escondido. Its president and founder Keith Beier started small in the year 1975, and to date, his team is now licensed to offer solutions from over 40 carriers. Clients can contact this company if they need assistance and further information about Medicare. One Kebco staff said that they can help clients to understand the program should they need to be enrolled.

License Verified:

License: 0707170

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
133 South Escondido Boulevard, Escondido, CA 92025
  • Individual Plans
  • Life Insurance

Why choose this provider?

Since 1977, Tim Giblin has led the Tim Giblin State Farm Insurance team, which offers health insurance plans in Escondido and the surrounding towns. Giblin provides supplemental health insurance, Medicare Supplement insurance, and individual medical coverage. Additionally, he assists clients to find auto insurance, home insurance, property insurance, and life insurance that meets their insurance requirements. Giblin also dedicates his time to community service. He was a former president of the local Rotary International After 5 Club.

License Verified:

License: 0539191

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (115)
Facebook
5.0 / 5 (21)
Yelp
4.2 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
600 La Terraza Boulevard, Escondido, CA 92025
  • Individual Plans
  • Group Plans
  • Life Insurance

Why choose this provider?

UWS Insurance Services Inc. is a health insurance agency that serves individuals, families, and businesses in Escondido. It offers various healthcare, vision, and dental insurance plans. The agency also covers various types of insurance products, such as workers' compensation, life, homeowners' insurance, and supplemental health plans. Its licensed insurance agents include Victoria Cowart and Ruth Romero. Victoria started her career in the insurance industry in 2011 and she specializes in workers' compensation, while Ruth is known for her compassion.

License Verified:

License: 0L75400

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1059 South Escondido Boulevard, Escondido, CA 92025
  • Individual Plans
  • Group Plans
  • Life Insurance

Why choose this provider?

One Stop Insurance & Financial Services offers insurance solutions in Escondido. It keeps clients informed of the current insurance laws and assists them in obtaining the correct health insurance coverage. Its agents are also versed in personal and business insurance options, such as life, home, renters, auto, and commercial general liability insurance policies. Its other insurance products include SR22 and insurance bonds. Moreover, One Stop Insurance & Financial Services handles retirement planning, tax preparation, and real estate services.

License Verified:

License: 0F49250

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (4)
Google
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1720 Medinah Road, San Marcos, CA 92069
  • Individual Plans

Why choose this provider?

Steve Cindy Gordon Insurance Services is a family business that has been servicing Escondido and the surrounding communities since 2009. It offers different types of individual health coverage options such as Covered California, off-exchange plans, and short-term major medical. A wide range of Medicare benefits are also available, including Medigap, Medicare Advantage, and prescription drug plans. The agency also specializes in travel and dental and vision insurance. One of its owners, Cindy Gordon, has been working in the insurance industry for more than 40 years.

License Verified:

License: 0N09942

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1310 East Valley Parkway, Escondido, CA 92027
  • Life Insurance

Why choose this provider?

The Khasim Insurance Agency is an independent insurance agency that serves Escondido and the surrounding communities. Established in 2007, the agency offers a diverse range of insurance services including health insurance. Its insurance agents are able to communicate in both English in Spanish to serve more clients. Depending on the client's needs, they can provide both managed care and fee-for-service insurance policies. Khasim Insurance Agency also provides an in-depth explanation of the client's chosen policy.

License Verified:

License: 0M30898

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Facebook
5.0 / 5 (16)
Yelp
4.5 / 5 (16)
Google
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
197 Woodland Parkway, San Marcos, CA 92069
  • Life Insurance

Why choose this provider?

With more than 15 years of experience, Just Us Insurance Services Inc. provides customizable health insurance options for clients in Escondido and surrounding areas in Southern California. The company handles health insurance programs for health maintenance organizations, preferred provider organizations, and exclusive provider organizations. Its staff also assists clients with Medicare plans, as well as travel medical insurance. Just Us Insurance Services Inc. also helps with other insurance coverages such as auto, home, and life insurance.

License Verified:

License: 0L37565

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (123)
Facebook
4.8 / 5 (16)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
920 West San Marcos Boulevard, San Marcos, CA 92078
  • Individual Plans
  • Group Plans
  • Life Insurance

Why choose this provider?

Health Advocates Insurance Services, Inc., offers its services to residents of Escondido and the surrounding areas. Since its establishment in 1970, the company has provided health insurance solutions such as individual health, group health, Medicare, and dental and optical plans. In addition, the company assists clients in selecting a plan that fits their needs by comparing plans side by side. Health Advocates Insurance Services, Inc., is partnered with several insurance providers, such as Blue Shield of California, Anthem Blue Cross, UnitedHealthcare, and Cigna.

License Verified:

License: 0F34233

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (8)
Google
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
440 Stevens Avenue, Solana Beach, CA 92075
  • Life Insurance

Why choose this provider?

Sandy Coventry Insurance Services, Inc., is an insurance agency that serves clients in Escondido. It provides a wide range of insurance products, including group and individual health, dental, and term life and permanent life insurance policies as well as Medicare plans. Its team of insurance specialists has more than 20 years of combined experience in the insurance industry. The founder, Sandy Coventry, has been dealing with employee benefits, 401(k) plans, and life and health insurance for more than 30 years.

License Verified:

License: 0G72966

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
27525 Valley Center Road, Valley Center, CA 92082
  • Individual Plans
  • Life Insurance
  • Group Plans

Why choose this provider?

Valley Center Insurance Agency, Inc., is a group of insurance brokers that works with more than 300 different insurance carriers. It provides insurance services to clients in Escondido and nearby areas. The agency assists both business owners and families in purchasing a health insurance policy. It also offers Medicare Advantage and Medicare Supplement plans. Erik Jensen established Valley Center Insurance Agency in 2004. He is a former insurance litigation attorney and has more than 20 years of experience in the industry.

License Verified:

License: 0E48178

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (2)
Facebook
5.0 / 5 (2)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Introduction

    If you're looking for health insurance for yourself or your family, an agent can help you save time, understand your options, and manage your costs. Insurance agents must be licensed in the state where they operate. They can provide information about on- and off-exchange plans to help you weigh all of your options, and they can see if you qualify for tax credits that can lower your monthly premiums. There's no cost to work with an agent, and they can help you save quite a bit by recommending the best plan for your needs. Here's what you should know before you get started.

  • What are the implications for Escondido residents not having qualifying health insurance?

    Escondido residents without qualifying health coverage face a penalty when filing their state tax return: $850 per adult and $425 for each child under 18. A family of four without insurance for the entire year will owe at least $2,550. While penalties can change annually, having insurance promotes health, catches issues early, and shields from unforeseen medical expenses.

  • Can pregnant women in Escondido be denied health insurance?

    Absolutely not. In Escondido, insurers once rejected coverage for expectant mothers due to pregnancy being deemed a pre-existing condition. Now, regardless of pregnancy status, women can acquire individual, family, exchange, or company-provided health plans. Premiums are determined by age and location, ensuring equitable pricing for all residents.

  • Are mental health services equally covered by health insurance in Escondido?

    In Escondido, all insurance policies, by California law, mandate coverage for mental health and substance use disorders. Insurance providers must ensure parity between mental and physical health coverage, meaning they can't charge more for a mental health visit compared to a physical health one. Additionally, they cannot impose stricter visitation limits for mental health, and they're obligated to include Applied Behavioral Therapy for Autism Spectrum Disorder.

  • How do health insurance costs work in Escondido?

    In Escondido, while insurance aids in medical expenses, you'll often share the cost. You pay a premium to maintain your coverage, which your employer might partially cover. If buying from Covered California, you could qualify for federal premium assistance. Details are at their website or by calling them at 1-800-300-1506. Also, be aware of deductibles. Some plans require you to pay a set amount before coverage begins, with variations for drug and hospital care.

  • How does the Out-Of-Pocket Maximum work for Escondido residents?

    In Escondido, the Out-Of-Pocket Maximum is the utmost yearly amount one might pay for health care. After meeting the deductible, insurers start covering a percentage of subsequent costs, with individuals covering the rest. This cost-sharing persists until expenses reach the Out-Of-Pocket Maximum. While it's a safety net for major health events, many don't prioritize it due to the low chance of such occurrences.

  • How can you find affordable health insurance? 

    Affordable insurance is available through employers, Medicare, Medicaid, and the federal Health Insurance Marketplace, which offers subsidies in the form of tax credits. You can also purchase coverage through private insurance companies and independent agents. Nearly half of all Americans have employer-sponsored health insurance, and about 10% of the population is uninsured.

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