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Best Health Insurance Agencies in Merced

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Justi Smith logo
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License Verified:

License: 0H39862

California Department of Insurance

Justi Smith

830 W 19th Street, Merced, CA 95340
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  • Health Insurance

Business Description

Justi Smith is an insurance agent at State Farm. She helps and educates policy buyers throughout Merced. She provides a wide range of insurance products, such as life, auto, health, business, and property insurance. Smith also offers notary services. She is the former president of Soroptimists International. She caters to foreign individuals and fluently speaks Portuguese. Established almost 100 years ago, State Farm has over 19,000 independent insurance agents and 83 million policies and accounts across the country.

License Verified:

License: 0H39862

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 (36)
Yelp
5.0 / 5 (4)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Leap Carpenter Kemps Insurance Agency logo
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License Verified:

License: 0646081

California Department of Insurance

Leap Carpenter Kemps Insurance Agency

3187 Collins Drive, Merced, CA 95348
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  • Health Insurance

Business Description

Leap Carpenter Kemps Insurance Agency has been in the insurance industry since 1947. Serving Merced and the local areas, the independent agency partners with a variety of carriers to provide clients with comprehensive health insurance plans that provide coverage for their specific needs such as medical, surgical, long-term care, and hospital costs. Some insurance companies the agency works with include Allianz, Blue California, The Hartford, and Liberty Mutual. Other insurance products include life, commercial, and personal insurance.

License Verified:

License: 0646081

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 (12)
Google
4.4 / 5 (7)
Yelp
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
––
Peggy Biddison logo
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License Verified:

License: 0F24801

California Department of Insurance

Peggy Biddison

1124 W Olive Avenue Suite 102, Merced, CA 95348
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  • Life Insurance
  • Medicare Supplements
  • Health Insurance

Business Description

Peggy Biddison is an insurance agent that works for State Farm and serves residents of Merced and neighboring communities. She offers health insurance plans that cover hospital bills, medical expenses, and hospice care. Peggy can review a client's medical history to recommend additional coverages, such as prescriptions and long-term private care. She also provides life and pet insurance plans. Peggy and her staff speak fluent Spanish and have over six decades of combined experience in insurance planning and claims.

License Verified:

License: 0F24801

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
4.9 / 5 (155)
Yelp
3.0 / 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
Quote Valley Insurance logo
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License Verified:

License: 0M53647

California Department of Insurance

Quote Valley Insurance

840 W Olive Ave Suite E, Merced, CA 95348
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  • Health Insurance

Business Description

Quote Valley Insurance is an independent agency serving Merced clients. It tailors group health insurance plans that fit the needs of small or large businesses. Other offerings for commercial clients include general liability and workers' compensation coverage. Quote Valley Insurance also provides dental, vision, and life insurance options, as well as Medicare Supplement and Advantage plans. It is affiliated with Covered California and works with multiple carriers to create the right insurance plan for its clients.

License Verified:

License: 0M53647

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 (34)
Yelp
3.5 / 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
Salmeri Insurance Agency logo
Visit WebsiteWebsite

License Verified:

License: 0E39077

California Department of Insurance

Salmeri Insurance Agency

505 W 18th Street, Merced, CA 95340
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  • Life Insurance
  • Health Insurance

Business Description

Salmeri Insurance Agency is an independent insurance brokerage in Merced that writes personal and commercial insurance plans for clients in the metro. The firm has been operating since 1965 and caters to individuals, families, firms, and farm-owners. It offers health insurance products that are crafted and computed based on risk reduction, elimination, risk transfer, and risk assumption techniques. Some of its other insurance products include property insurance, agriculture insurance, crop insurance, home insurance, and automobile insurance.

License Verified:

License: 0E39077

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.
4.6
Google
4.3 / 5 (6)
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
Torrey Moe logo
Visit WebsiteWebsite

License Verified:

License: 0H56008

California Department of Insurance

Torrey Moe

61 W Alexander Ave, Merced, CA 95348
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  • Life Insurance
  • Medicare Supplements
  • Health Insurance

Business Description

Torrey Moe is a State Farm insurance agent who serves clients in the Merced metro. He assists individuals and families on matters related to health insurance and provides options like Medicare Supplement and disability insurance plans. Moe helps car owners manage damage repair costs through coverage plans like collision insurance. He also offers other insurance products, such as home, pet, and life insurance. Moe has over 10 years of experience in the financial services industry.

License Verified:

License: 0H56008

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 (97)
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Back to Providers

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.

Read all FAQs