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Best Health Insurance Agencies in Fresno

Laurels
2023
Laurels

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Cal-Valley Insurance Services logo
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License Verified:

License: 0733383

California Department of Insurance

Cal-Valley Insurance Services

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5070 N 6th St 155, Fresno, CA 93710
  • Life Insurance

Business Description

Cal-Valley Insurance Services is an independent insurance agency that represents multiple insurance companies. It provides health insurance, such as long-term disability insurance and long-term care insurance in Fresno. In addition, it caters to clients' insurance needs for life, homes, auto, valuable possessions, pets, and weddings. Some of the insurance plans available for business owners are workers' compensation insurance, cyber liability insurance, and business owner's policy. Its partner carriers are Allied Insurance, Kemper, and The Hartford.

License Verified:

License: 0733383

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 (72)
Facebook
5.0 / 5 (10)

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
Covered California logo

License Verified:

License: 0I46526

California Department of Insurance

Covered California

4005 North Blackstone Avenue, Fresno, CA 93726
  • Individual Plans

Business Description

Based in Fresno, Covered California assists clients in the area with their insurance needs. The agency helps clients navigate the healthcare market to find a health insurance plan that best suits their situation. It provides assistance in the application process and will continuously give long-term support and help clients understand their insurance plans. It also offers Medicare products such as Part A, Part B, Part C, and Part D. Covered California works with various insurance carriers, including Health Net, Anthem Blue Cross, and Molina Healthcare.

License Verified:

License: 0I46526

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.
4.2
Google
4.0 / 5 (15)
Facebook
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
Foster & Parker Insurance logo

Foster & Parker Insurance

1643 North Schnoor Street, Madera, CA 93637
  • Life Insurance
  • Health Insurance

Business Description

Foster & Parker Insurance addresses the insurance needs of Fresno residents and businesses. An affiliate of HUB International, the company offers auto, farm, home, and life insurance solutions, helping its clients obtain adequate financial protection. Its brokers assist clients in understanding available health insurance plans, such as Medigap insurance policies and individual and family health insurance. Foster & Parker also provides comparative insurance quotes through its online platform. Moreover, it offers industry-specific insurance products, including real estate, hospitality, and transportation 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.
4.9
Google
4.2 / 5 (6)
Facebook
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
HRBC Insurance logo

License Verified:

License: 0F27274

California Department of Insurance

HRBC Insurance

5446 North Palm Avenue, Fresno, CA 93704
  • Health Insurance

Business Description

HRBC Insurance is an independent insurance agency that provides its services to individuals, families, and businesses in Fresno and the surrounding communities. It represents multiple carriers that offer a variety of health insurance packages. It carries Medicare insurance plans like Medicare Advantage Plan and Medigap. Additionally, it provides health insurance packages like group health insurance, health maintenance organization (HMO), point of service (POS), exclusive provider organization (EPO), and preferred provider organization (PPO). It was founded in 2005 by Henry Romero.

License Verified:

License: 0F27274

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 (8)
Google
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
Kerr Insurance Brokers logo
Visit WebsiteWebsite

License Verified:

License: 0J02932

California Department of Insurance

Kerr Insurance Brokers

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7255 North First Street, Fresno, CA 93720
  • Group Plans

Business Description

Kerr Insurance Brokers is a family-owned independent insurance agency in Fresno that has served clients for more than a decade. The insurance brokers at the agency offer health insurance plans for employers of small and mid-sized businesses. They provide health insurance plans from multiple insurance carriers, including Aetna, United Healthcare, Oscar, Healthnet, and Anthem Blue Cross. In addition, they can design a tax-friendly disability insurance plan for groups. Other products are group life insurance and voluntary benefits.

License Verified:

License: 0J02932

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 (14)
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
Meine Insurance Agency logo
Visit WebsiteWebsite

License Verified:

License: 0I01906

California Department of Insurance

Meine Insurance Agency

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1526 Shaw Avenue, Clovis, CA 93611
  • Life Insurance

Business Description

Meine Insurance Agency offers risk management and insurance solutions to families, individuals, and businesses in the Fresno area. It helps clients find health and life insurance products that meet their financial needs. Its other insurance products include commercial general liability, workers' compensation, cyber liability, and business property insurance. Ben Meine, the founder of Meine Insurance Agency, established the company in 2013. He started his career in insurance in 2001, working as an insurance agent and broker.

License Verified:

License: 0I01906

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)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Van Berg Insurance Services logo
Visit WebsiteWebsite

License Verified:

License: 0G30664

California Department of Insurance

Van Berg Insurance Services

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770 East Shaw Avenue, Fresno, CA 93710
  • Individual Plans

Business Description

Van Berg Insurance Services has more than 25 years of experience helping seniors secure health insurance. The company has three locations across the state, including an office in Fresno. It offers Medicare Advantage, Medicare Supplement plans, and prescription coverage for seniors. Its specialists also conduct Medicare 101 webinars to educate customers on their coverage options. As certified health insurance agents, the firm also helps those seeking premium assistance apply for individual or family health plans through Covered California.

License Verified:

License: 0G30664

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.
4.0
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.

  • 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.

  • What is health insurance?

    Health insurance policies are contracts that require an insurer to pay some or all of a beneficiary's health care expenses in exchange for a premium and deductible. Plans cover preventive care and emergency medical services arising from an injury or illness. They may also offer optional coverage for dental and vision.

  • How do health insurance companies make money?

    Health insurance companies make money by collecting premiums from consumers and reinvesting the funds. Federal law requires insurers to put approximately 80-85% of collected funds toward claims, and 15-20% is used to pay for administrative expenses.

  • What is subsidized health insurance?

    Subsidized health insurance is available exclusively through the Health Insurance Marketplace. This system applies federal tax credits that can reduce or eliminate premiums. Tax credits are available to consumers who earn up to 400% of the federal poverty level based on household size.

  • What is a health insurance deductible? 

    A deductible is a fixed amount you must pay out-of-pocket before normal copays or coinsurance rates apply. Under the Affordable Care Act, some services, such as annual physicals and wellness screenings, must be covered at no charge.

  • Is it illegal to not have health insurance?

    No. Starting in 2019, the federal government eliminated the penalty that applied to individuals who could afford health insurance but chose not to purchase it. Financial penalties still apply in California, Massachusetts, New Jersey, Rhode Island, Vermont, and Washington, D.C.