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Best Health Insurance Agencies in Lake Forest

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Bradley Purcell logo
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License Verified:

License: 0I70205

California Department of Insurance

Bradley Purcell

20331 Lake Forest Drive Suite C5, Lake Forest, CA 92630
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  • Health Insurance

Business Description

Bradley Purcell is a State Farm insurance agent serving clients in Lake Forest and the surrounding communities. He offers health insurance plans that cover health benefits critical to maintaining the health of individuals. His agency has been providing insurance products for a variety of clients, such as commercial autos, workers, homeowners, and businesses, since 2014. It is committed to educating clients on the importance of having the right insurance policy, which provides protection for clients and their families.

License Verified:

License: 0I70205

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
Google
4.8 / 5 (29)
Facebook
5.0 / 5 (24)
Yelp
4.5 / 5 (13)
California Business Benefits logo
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License Verified:

License: 0H49301

California Department of Insurance

California Business Benefits

22921 Triton Way, Suite 231, Laguna Hills, CA 92653
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  • Health Insurance

Business Description

California Business Benefits is an independent insurance agency that serves small and large business corporations in Lake Forest. It helps businesses provide comprehensive insurance policies to their employees, including health, dental, vision, and life. The firm's agents are equipped to provide customized health insurance plans to companies based on their goals, needs, and budgets. The firm's director of operations, Becky Burt, has 15 years of experience in the health insurance industry. Its owner and CEO, Steve Friedman, serves high-net-worth business owners and professional athletes.

License Verified:

License: 0H49301

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
Laura Hahamian logo
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License Verified:

License: 0E16260

California Department of Insurance

Laura Hahamian

23792 Rockfield Blvd, Suite 220, Lake Forest, CA 92630
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  • Life Insurance
  • Health Insurance

Business Description

Laura Hahamian helps clients in Lake Forest with their health insurance needs. She and her team have been in service to State farm customers since 2003, offering life, auto, property, home, and business protection coverage. In addition, they provide annuities, mutual funds, and banking services. Her pet-friendly agency has team members who cater to clients speaking in English, Spanish, French, and Armenian. It also earned SVP Club, Ambassador Travel, and Honor Club awards. Hahamian, who is originally from Argentina, is also an Army veteran.

License Verified:

License: 0E16260

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.
4.9
Google
5.0 / 5 (17)
Facebook
5.0 / 5 (15)
Yelp
4.5 / 5 (8)

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
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Sabeti Insurance logo
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License Verified:

License: 0K76097

California Department of Insurance

Sabeti Insurance

23832 Rockfield Boulevard, Lake Forest, CA 92630
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  • Life Insurance
  • Health Insurance

Business Description

Sabeti Insurance delivers insurance solutions to individuals, families, and small businesses in the Lake Forest metro and the surrounding communities. It is a health insurance service provider that offers a range of options, including critical illness, personal accident, family floater, senior citizen, and maternity coverages. These health insurance policies can cover policyholders' medical and surgical expenses. Sabeti Insurance works with over 20 carriers and provides more than 180 health insurance products. It can accommodate Farsi-speaking clients.

License Verified:

License: 0K76097

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.
4.9
Google
4.7 / 5 (12)
Facebook
5.0 / 5 (11)
Yelp
5.0 / 5 (7)

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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