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Best Health Insurance Agencies in Napa

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2023
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Alan Berman, CFP logo
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Alan Berman, CFP

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3427 Terra Linda Drive, Santa Rosa, CA 95404
  • Individual Plans
  • Life Insurance

Business Description

Alan Berman, CFP, has been serving Napa and the surrounding communities since 1978. He offers a wide selection of insurance products, including individual health, group health, 401k, and disability income insurance. Alan also assists business owners in establishing a sound financial program through services like like tax planning management, investment management, retirement strategies, and estate conversion. His website regularly publishes articles featuring important financial topics, economic trends, and recent legislation to keep clients informed and updated.

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 (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
Black Rock Insurance Services logo

License Verified:

License: 0G30653

California Department of Insurance

Black Rock Insurance Services

703 2nd Street, Santa Rosa, CA 95404
  • Individual Plans
  • Life Insurance

Business Description

Black Rock Insurance Services has been serving individuals, families, and businesses in Napa and across the state of California. Being an independent agency, it helps its clients find a plan that includes coverages that fit their needs. It handles life insurance plans like exclusive provider organization, health maintenance organization, point of service, and preferred provider organization insurance. Additionally, it crafts other commercial and property insurance packages like BOP, workers’ compensation, commercial umbrella, homeowners', earthquake, and flood insurance plans.

License Verified:

License: 0G30653

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)
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.
3.0
Responsiveness
Friendliness
Helpfulness
Detail
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ES Heil Insurance logo

License Verified:

License: 0D87886

California Department of Insurance

ES Heil Insurance

Arroyo Sierra Way, Santa Rosa, CA 95405
  • Life Insurance
  • Health Insurance
  • Whole Life Insurance
  • Term Life Insurance

Business Description

ES Heil Insurance is an independently owned insurance broker that works with clients in Santa Rosa and its surrounding metros, including Napa. The business offers different products that range from health plans and vision and dental insurance to disability insurance and Medicare Advantage and supplement plans. Eugene Skip Heil of ES Heil Insurance utilizes his experience in the industry to guide clients through the varying policies from different carriers in order to find the policy that fits the client's financial needs.

License Verified:

License: 0D87886

California Department of Insurance

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
––
Joe Ruppe logo
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License Verified:

License: 0C61650

California Department of Insurance

Joe Ruppe

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1103 Sonoma Avenue, Santa Rosa, CA 95405
  • Life Insurance

Business Description

Joe Ruppe is a State Farm insurance agent who serves clients in Napa. He offers health insurance solutions such as individual medical coverages, supplemental health and disability insurance, and Medicare Supplement plans. He also provides life, auto, homeowners', renters', and business insurance policies. Ruppe has been a Chairman's Circle Qualifier and a multi-year Ambassador Travel Qualifier at State Farm. He has a degree in Finance and has been the president of the Sonoma County Executives Association.

License Verified:

License: 0C61650

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
Google
3.8 / 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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Katherine Wong logo
Visit WebsiteWebsite

License Verified:

License: 0F38982

California Department of Insurance

Katherine Wong

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435 Santa Rosa Avenue, Santa Rosa, CA 95404
  • Life Insurance

Business Description

Katherine Wong is a health insurance agent who has been serving Napa and the surrounding areas for almost three decades. She offers a variety of health insurance plans, such as Medicare Supplement insurance, supplemental health insurance, disability insurance, and individual health insurance. As a State Farm agent, Katherine can also help with policy change requests and filing of health claims. Furthermore, she can assist clients with other personal insurance needs, such as life, car, boat, disability, motorhome, and home insurance.

License Verified:

License: 0F38982

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 (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
Whitman Samuelson Insurance Services, Inc. logo
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License Verified:

License: 0273555

California Department of Insurance

Whitman Samuelson Insurance Services, Inc.

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1012 Clegg Court, Petaluma, CA 94954
  • Individual Plans
  • Life Insurance

Business Description

Whitman Samuelson Insurance Services, Inc., has been serving the insurance needs of residents of Napa and the surrounding communities since 1931. It compares options from a variety of insurance carriers and offers its clients choices suited for their situation. It carries individual and group health insurance plans like medical, dental, vision, and long-term disability. Additionally, it provides commercial insurance packages like business owner’s policy, directors & officers' liability, workers’ compensation, employment practices liability, errors & omissions insurance, and bonds.

License Verified:

License: 0273555

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
4.0 / 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
Wine Valley Insurance Services, Inc. logo
Visit WebsiteWebsite

License Verified:

License: 0D58556

California Department of Insurance

Wine Valley Insurance Services, Inc.

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2017 Redwood Road, Napa, CA 94558
  • Life Insurance

Business Description

Wine Valley Insurance Services, Inc., has been operating in Napa and the surrounding area for more than nine years, serving the insurance needs of its residents and local businesses. It represents many insurance companies, enabling it to offer various health insurance plans to its clients. It deals with health insurance products like the Affordable Care Act health insurance, employer-based health insurance, qualified health plans, catastrophic health plans, and HMO. Moreover, it provides commercial insurance packages for business clients.

License Verified:

License: 0D58556

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
Yelp
4.0 / 5 (4)
Google
5.0 / 5 (3)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

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.