Expertise.com

2024

Last updated:

Best Health Insurance Agencies in Hayward

Our Recommended Top 4

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 Hayward 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.

2974Reviewed

1786Curated

4Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

25175 Santa Clara Street, Hayward, CA 94544
WebsiteLicense: 0E96172

Expertise.com Rating

Review Sources

Google
4.7 (111)
Yelp
4.4 (52)
Facebook
4.3 (30)

Why choose this provider?

Jeff Sinfuego is a State Farm insurance agent serving Hayward and the surrounding communities. With more than a decade of experience, he offers health insurance coverage options for families, individuals, and senior citizens. He also deals with a wide range of plans, like supplemental health, Medicare Supplement, and individual medical coverage. In addition, disability insurance is also available. Sinfuego and his team also provide assistance in banking, mutual funds, and annuities. Their services are available in different languages, including English, Spanish, Indonesian, and Tagalog.

  • Life Insurance

15200 Hesperian Boulevard, San Leandro, CA 94578
WebsiteLicense: 0K62180

Expertise.com Rating

Review Sources

Facebook
4.0 (29)
Google
5.0 (27)
Yelp
5.0 (21)

Why choose this provider?

Jerry Garcia is a State Farm Insurance agent who has been offering his services in Hayward and the surrounding areas since 2001. His team provides clients with their needs concerning health insurance policies and packages. Additionally, they carry pet insurance plans through Trupanion. Garcia’s dedication earned him the San Leandro Small Business Person of The Year award in 2011. He served as the chairman of the board of the San Leandro Chamber of Commerce in 2017 and 2018.

  • Individual Plans
  • Life Insurance

24301 Southland Drive, Hayward, CA 94545
WebsiteLicense: 0404705

Expertise.com Rating

Review Sources

Google
5.0 (4)

Why choose this provider?

Henry Rice Insurance Solutions is a full-service insurance company that serves clients in Hayward and nearby areas. It provides health insurance plans from multiple carriers, such as Foremost and National General Insurance. The company compares the rates of both fee-for-service plans and managed care plans. The agents from this firm review the existing policies of seasoned customers and recommend new coverages like disability and long-term care. For first-time clients, the company has resources to help them understand terms and policies.

  • Individual Plans
  • Life Insurance

250 MacArthur Blvd, San Leandro, CA 94577
WebsiteLicense: 0C21026

Expertise.com Rating

Review Sources

Yelp
5.0 (6)

Why choose this provider?

Marshawn Harris is an independent insurance broker who serves clients in Hayward, San Leandro, and the surrounding areas. She set up her own agency, Bay Area Quality Insurance Services, where she specializes in CoveredCA health insurance. It also offers insurance plans from a variety of carriers, including Ameritas, Cigna, VSP, Humana, Anthem Blue Cross, and Health Net. Harris also has insurance options for travel and Medicare. Harris is a certified educator with the California Black Health Network.

  • Life Insurance
  • Health Insurance

FAQs

  • 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 is the difference between Medicare Part A and B in Hayward?

    In Hayward, Medicare Part A, also known as hospital insurance, covers inpatients' hospice care, hospital care, and skilled nursing facilities. However, this type does not cover medical supply expenses. Medicare Part B or medical insurance, on the other hand, covers expenses related to outpatient care, preventive services, and medical supplies.

  • Who usually provides Medicare Advantage plans in Hayward?

    Medicare Advantage plans are usually provided by private insurance companies or agencies in Hayward. These health insurance carriers must have a contract or agreement with Medicare. Medicare Advantage plans typically offer Special Needs Plans, Private Fee-for-Service, Medical Savings Account Plans, Preferred Provider Organization, and Health Maintenance Organization benefits.

  • Is there a time period for Affordable Care Act health insurance applications in Hayward?

    Yes, individuals and families who want to obtain Affordable Care Act health insurance in Hayward must apply during the open enrollment period, from November 1 to December 15 every year. However, they can also enroll outside this time frame. If they are experiencing life events or changes, they can apply during the special enrollment period.

  • If you have health insurance, can you choose your doctor in Hayward?

    If you have original Medicare Parts A and B coverage, you can choose your preferred doctor in Hayward. You do not need to get a referral to consult with a specialist. However, if you have a Medicare Advantage or Part C plan, you should see a doctor who is a part of a specific network of providers.

  • What are the common reasons for health insurance claims denial in Hayward?

    Most of the time, health insurance claims in Hayward are denied because of paperwork errors. There are instances when the practitioner's office submitted a claim with the wrong billing code. Other cases include insurance companies wanting to have an alternative way of helping policyholders rather than providing reimbursements for medical expenses.

  • 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.