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Best Health Insurance Agencies in Modesto

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Bavaro Employee Benefits & Insurance Services, Inc. logo
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License Verified:

License: 0I27722

California Department of Insurance

Bavaro Employee Benefits & Insurance Services, Inc.

920 16th Street, Modesto, CA 95354
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  • Group Plans
  • Group Health Benefits

Business Description

Established in 1988, Bavaro Employee Benefits & Insurance Services, Inc., is a Modesto-based insurance agency. Its founder, Nicholas Bavaro, has in-depth knowledge about various employee benefits policies. Bavaro and his team educate their clients regarding the advantages and disadvantages of employee benefits. They also help develop personalized health insurance policies for groups with the aim of meeting their clients' specific needs. In addition, Bavaro Employee Benefits & Insurance Services' health insurance options are dental and vision, long-term care, disability, and prevailing wage-hour bank health plans.

License Verified:

License: 0I27722

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)
Facebook
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
––
Bohannon Insurance Group logo
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License Verified:

License: 0579194

California Department of Insurance

Bohannon Insurance Group

4317 North Star Way, Modesto, CA 95356
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  • Group Plans
  • Life Insurance

Business Description

Bohannon Insurance Group is an independent insurance firm serving individuals and businesses in Modesto and nearby areas. Its health insurance products include individual and group medical, long-term care, disability, dental, and Medicare insurance. It also offers life insurance policies. Bohannon Insurance Group has been in business for more than 50 years and partners with insurance carriers such as Aetna, Sutter Health Plus, and UnitedHealthcare to provide its customers with products and benefit packages that would suit their financial and medical needs.

License Verified:

License: 0579194

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.
4.1
Google
4.0 / 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
Debra Webb logo
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License Verified:

License: 0B91282

California Department of Insurance

Debra Webb

4213 Dale Road, Modesto, CA 95356
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  • Individual Plans
  • Life Insurance

Business Description

Debra Webb is a State Farm insurance agent that serves individuals, families, and business owners in and around the Modesto metro. Her goal is to help her clients understand and acquire health insurance plans. She also offers life insurance policies and assists clients who are turning 65 years old with their Medicare enrollment. In addition, she helps small business owners protect their investments and businesses through commercial plans. She can likewise accommodate those looking for coverage for their automobiles, properties, and pets.

License Verified:

License: 0B91282

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
Google
4.0 / 5 (8)
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
Got It All logo
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License Verified:

License: 0E95308

California Department of Insurance

Got It All

1133 North Carpenter Road, Modesto, CA 95358
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  • Individual Plans
  • Life Insurance

Business Description

Got It All is a family-owned and locally operated insurance agency that serves clients in Modesto. It offers various health and life insurance coverage options from several insurance carriers, including National General, Progressive, and MetLife. The agency also covers other types of insurance products and services for businesses, homes, cars, recreational vehicles, and bonds. In a span of 16 years, the agency has insured more than 1,000 people. Owner Johnny Garcia has more than 12 years of experience in the insurance industry.

License Verified:

License: 0E95308

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 (22)
Google
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
––
Lumix Insurance Agency logo
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License Verified:

License: 0M37133

California Department of Insurance

Lumix Insurance Agency

1214 11th Street Suite 2, Modesto, CA 95354
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  • Individual Plans
  • Life Insurance
  • Employee Group Benefits

Business Description

Lumix Insurance Agency is an insurance agency that offers individual health insurance and group health insurance in Modesto. It also provides personal insurance products such as life insurance, auto insurance, and home insurance. Additionally, Lumix Insurance Agency assists in finding business insurance for various industries like trucking, construction, restaurants, and real estate. Its business insurance includes workers' compensation insurance, commercial property insurance, cyber liability insurance, and general liability insurance. Moreover, it caters to risk analysis, HR services, and payroll services.

License Verified:

License: 0M37133

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
––
Masellis Insurance logo
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License Verified:

License: 0C94131

California Department of Insurance

Masellis Insurance

1521 K Street, Modesto, CA 95354
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  • Individual Plans
  • Life Insurance

Business Description

Serving clients in the Modesto area, Masellis Insurance is an agency founded by agent Donna Masellis in 2000 that currently offers various insurance products and services like employee benefits. It assists people keen to be protected from financial problems through health, life, home, and business insurance plans as well. The business also deals with disability insurance, long-term care, and Medicare solutions. Moreover, Masellis Insurance handles individual and family plans, as well as group health insurance.

License Verified:

License: 0C94131

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.
4.0
Google
3.0 / 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
Pauls Insurance Agency logo
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License Verified:

License: 0L45469

California Department of Insurance

Pauls Insurance Agency

1031 McHenry Avenue, Modesto, CA 95350
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  • Individual Plans
  • Life Insurance

Business Description

Pauls Insurance Agency offers health insurance solutions in Modesto. It provides personalized insurance coverage designed according to the clients' needs and objectives. Its owner, Alexander Pauls, offers a wide range of Medicare options, including Part A, B, C, and D plans. He and his team also serve commercial clients, providing general liability and business owners' policies. Pauls has completed various training and continuing education for different areas, including Medicare + Fraud, long-term care, and annuity.

License Verified:

License: 0L45469

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 (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
Scott Lucas logo
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License Verified:

License: 0D48262

California Department of Insurance

Scott Lucas

5819 Chenault Drive, Modesto, CA 95356
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  • Individual Plans

Business Description

Scott Lucas is a Medicare supplement specialist who serves the residents of Modesto. As a health and Medicare insurance broker, Scott helps his clients explore individual health insurance plans and assists persons aged 65 years or older in understanding and choosing from available Medicare supplement options. He also educates clients about the Medicare program coverage. Scott maintains a website that contains a tool for generating comparative insurance quotes. In addition, he accepts online appointments and offers information about the enrollment process.

License Verified:

License: 0D48262

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)
Facebook
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
TSM Insurance Services logo
Visit WebsiteWebsite

License Verified:

License: 0288149

California Department of Insurance

TSM Insurance Services

1317 Oakdale Road, Modesto, CA 95355
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  • Individual Plans
  • Group Plans

Business Description

TSM Insurance Services is a health insurance agency that serves clients in Modesto. It offers various healthcare, vision, and dental insurance plans for children and older people, including traditional, consumer-driven, group health, and self- and level-funded plans. The agency also covers other insurance products and services for commercial vehicles, properties, employment practices liabilities, and workers' compensation. TSM Insurance Services also has a personal lines self-quoting feature that assists clients with their home auto insurance plans.

License Verified:

License: 0288149

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
Facebook
4.0 / 5 (13)
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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.

Read all FAQs