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Best Health Insurance Agencies in Hayward

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Bankers Life logo
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License Verified:

License: 0K57007

California Department of Insurance

Bankers Life

5000 Hopyard Road, Pleasanton, CA 94588
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  • Life Insurance

Business Description

Bankers Life is an insurance agency that serves clients in Hayward and the surrounding areas. It has a wide variety of health insurance plans that range from supplemental health insurance including critical illness and hospital indemnity insurance, to Medicare insurance coverage such as Medicare basic plan, Medicare Supplement, Medicare Advantage, and Medicare Part D plan. Bankers Life's history dates back to 1879, helping families and individuals obtain personalized insurance plans according to their needs.

License Verified:

License: 0K57007

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.
4.3
Facebook
5.0 / 5 (5)
Google
1.0 / 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
Henry Rice Insurance Solutions logo
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License Verified:

License: 0404705

California Department of Insurance

Henry Rice Insurance Solutions

24301 Southland Drive, Hayward, CA 94545
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  • Individual Plans
  • Life Insurance

Business Description

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.

License Verified:

License: 0404705

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 (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
Jeff Sinfuego logo
Visit WebsiteWebsite

License Verified:

License: 0E96172

California Department of Insurance

Jeff Sinfuego

25175 Santa Clara Street, Hayward, CA 94544
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  • Life Insurance

Business Description

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.

License Verified:

License: 0E96172

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.
4.5
Yelp
4.5 / 5 (48)
Google
4.5 / 5 (44)
Facebook
4.3 / 5 (28)

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
Jerry Garcia logo
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License Verified:

License: 0K62180

California Department of Insurance

Jerry Garcia

15200 Hesperian Boulevard, San Leandro, CA 94578
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  • Individual Plans
  • Life Insurance

Business Description

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.

License Verified:

License: 0K62180

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
4.0 / 5 (29)
Google
5.0 / 5 (27)
Yelp
5.0 / 5 (21)

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
Marshawn Harris logo
Visit WebsiteWebsite

License Verified:

License: 0C21026

California Department of Insurance

Marshawn Harris

250 MacArthur Blvd, San Leandro, CA 94577
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  • Life Insurance
  • Health Insurance

Business Description

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.

License Verified:

License: 0C21026

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 (6)

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
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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.

Does health insurance cover therapy? 

All Marketplace plans must cover behavioral health care services, including counseling, inpatient care, and substance abuse treatments. However, there are coverage limits, and preauthorization may be required.

What is a copay?

A copay is a fixed price that you pay at the time of service after your deductible is satisfied. Insurance companies set specific rates for primary and specialty care and other services, such as emergency room visits and X-rays. Alternatively, plans may have coinsurance rates that require beneficiaries to pay a certain percentage of covered charges.

What is the Health Insurance Marketplace?

The Health Insurance Marketplace is a federal service designed to help consumers compare and purchase subsidized health insurance plans that comply with the Affordable Care Act. A number of states operate their own insurance marketplaces, including California, Colorado, New York, and Pennsylvania.

How can you find health insurance without a job?

Individuals who don't have access to health insurance through their job can purchase ACA-compliant plans through the Health Insurance Marketplace. Off-exchange plans are also available through private insurers and independent agents. The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives certain individuals who are losing their coverage the right to maintain the same plan for a limited time period. 

Can you cancel health insurance at any time? 

Consumers can cancel their health coverage at any time. Cancellations may be effective immediately or at a specified date. However, you must wait until Open Enrollment to sign up for a new plan unless you qualify for a Special Enrollment period.

Can you have more than one health insurance policy?

It's possible to have primary and secondary health insurance. This is most common with Medicare and Medicaid beneficiaries, including dual enrollees and individuals who purchase supplemental plans. Secondary plans can cover some additional expenses, but you're still responsible for premiums and deductibles.

Is health insurance pretax?

Premiums for employer-sponsored health plans are generally deducted from the worker's pretax income. The same is true for voluntary contributions made to Flexible Spending Accounts and Health Savings Accounts that are paired with a qualifying high-deductible health plan.

How long can a child stay on a parent\'s health insurance policy?

Children can stay on their parents' health insurance plan until their 26th birthday. There's a 60-day special enrollment period following this date. Exemptions allow disabled adult children to remain on their parents' policy beyond this age.

Do you have to pay a health insurance deductible upfront?

In most cases, out-of-pocket expenses for approved services count toward your deductible. However, it's increasingly common for hospitals to request all or part of the deductible upfront when scheduling major services, such as CT scans and surgeries.

Do employers have to offer health insurance?

The Affordable Care Act requires companies with at least 50 full-time employees to make essential health benefits available to 95% of their workforce. Companies that choose not to offer such benefits may have to pay a penalty.

Is there a tax credit for having health insurance?

The Advance Premium Tax Credit is a federal tax rebate designed to lower the cost of health insurance plans purchased through the Marketplace. Eligibility is based on income and household size. Consumers can decide how much of their tax credit to put toward their premiums.

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