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Best Health Insurance Agencies in Murrieta

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Hubler Ins. logo
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License Verified:

License: 0I11844

California Department of Insurance

Hubler Ins.

2948 Topside Rd #793, Louisville, TN
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  • Medicare

Business Description

Hübler Ins. is an insurance advisory firm serving Murrieta and its neighboring communities. It specializes in Medicare health insurance, with its staff addressing clients' questions regarding topics like coverage and available benefits and helping them shop for policies suited to their circumstances. Its insurance professionals also perform policy reviews and assist in updating reviewed policies according to the client's needs. They also help clients transition from one coverage plan to another. The firm has been in business since 2007.

License Verified:

License: 0I11844

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
5.0 / 5 (20)
Facebook
5.0 / 5 (9)
Yelp
4.0 / 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
R.L. Frame Insurance logo
Visit WebsiteWebsite

License Verified:

License: 0G09907

California Department of Insurance

R.L. Frame Insurance

41715 Enterprise Circle N #201, Temecula, CA 92590
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  • Group Plans

Business Description

For more than two decades, R.L. Frame Insurance has been offering policies to clients in the Murrieta area. People who want more coverage than what their company health plan provides can get the firm's health insurance. It provides compensation for medical bills, medication, and doctor's appointments. The firm also offers insurance for homes, condos, and rental properties, along with policies for cars, motorcycles, and boats. Businesses can also get coverage for workers' compensation and general liability.

License Verified:

License: 0G09907

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 (5)
Yelp
5.0 / 5 (3)
Red Lion Financial logo
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License Verified:

License: 0F93262

California Department of Insurance

Red Lion Financial

31938 Temecula Pkwy #334, Temecula, Ca 92592
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  • Individual Plans
  • Individual Health Insurance

Business Description

Since its founding in 2008, Red Lion Financial has been delivering insurance services for clients in Murrieta and neighboring areas. This insurance agency offers a wide range of insurance products, including life insurance, final expense insurance, Medicare supplement coverage, and Medicare advantage plans. Health insurance products like group health insurance and group dental and vision insurance are also available for business owners to include in their employee benefits package. The agency represents many reputable carriers, including United Health Care, Prudential, and Allianz.

License Verified:

License: 0F93262

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)
RH Benefits Insurance Services, Inc. logo
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License Verified:

License: 0K75458

California Department of Insurance

RH Benefits Insurance Services, Inc.

41593 Winchester Road, Suite 200, Temecula, CA 92590
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  • Group Plans
  • Individual Health Insurance

Business Description

RH Benefits Insurance Services, Inc., offers individual and group health insurance options to clients in the Murrieta metro. It focuses on linking clients to products that help them achieve financial security. Its team also guides people who are reaching the retirement age in Medicare planning. Since the firm's inception, it has served more than 2,500 Medicare beneficiaries. In addition to health insurance and Medicare assistance, RH Benefits Insurance Services also offers life insurance plans. CEO Rob Haskins has over 40 years of experience.

License Verified:

License: 0K75458

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
4.6 / 5 (10)
Facebook
5.0 / 5 (8)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Stonehouse Insurance Services logo
Visit WebsiteWebsite

License Verified:

License: 0K07203

California Department of Insurance

Stonehouse Insurance Services

41391 Kalmia St, Suite 130, Murrieta, CA 92562
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  • Individual Plans

Business Description

Stonehouse Insurance Services is a Murrieta-based firm with offices in Roseville and Temecula. It utilizes a consultative approach throughout any health insurance planning process, from conducting an initial assessment to developing a coverage plan that matches clients' preferences. It also provides coverage options for commercial clients with other insurance needs, such as professional indemnity insurance, commercial auto insurance, and business equipment insurance. The independent insurance agency only works with reputable carriers, like Progressive, Liberty Mutual, and The Hartford.

License Verified:

License: 0K07203

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.
3.8
Yelp
2.5 / 5 (3)
Google
5.0 / 5 (2)
Facebook
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
The Health Insurance Lady logo
Visit WebsiteWebsite

License Verified:

License: 0H98382

California Department of Insurance

The Health Insurance Lady

41669 Winchester Rd, Temecula, CA 92590
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  • Individual Plans

Business Description

The Health Insurance Lady is a woman-owned insurance agency that serves individuals and families in Murrieta and the surrounding areas. The agency specializes in health insurance services, including medical and dental policies, Medicare Supplement, and employer group health insurance. Jami Buchanan McNeesis, a certified Medicare health insurance agent with The Health Insurance Lady, is a cancer survivor and the author of "Beautiful Cancer." She is also the owner and president of Thrive Health Insurance Services, which focuses on health insurance.

License Verified:

License: 0H98382

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
4.7 / 5 (18)
Yelp
5.0 / 5 (12)
Facebook
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
––
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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