Expertise.com

2024

Last updated:

Best Health Insurance Agencies in Oakland, CA

Our Recommended Top 6

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Oakland Health Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

7590Reviewed

4556Curated

6Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

11881 Skyline Boulevard, Oakland, CA 94619
WebsiteLicense: 0440753

Expertise.com Rating

Review Sources

Yelp
5.0 (8)
Google
4.0 (5)

Why choose this provider?

Larry Sneed is an insurance agent under State Farm and he has been providing insurance services to clients around Oakland and the surrounding areas since 1972. The insurance products include home, property, auto, business, life, and health, as well as annuities, mutuals funds, and banking. Various health insurance options are offered to individuals, families, and senior citizens such as supplemental health, individual medical, and Medicare supplement. Disability insurance may also cover expenses such as a mortgage, car loans, and rent.

  • Individual Plans
  • Life Insurance

3608 Grand Avenue, Oakland, CA 94610
WebsiteLicense: 0707158

Expertise.com Rating

Review Sources

Google
3.0 (3)
Yelp
5.0 (1)

Why choose this provider?

Brady-Harbord-Payne Insurance Brokers is an independent insurance agency serving individuals and businesses in Oakland. The agency has been in business since 1986, providing clients with health insurance, life insurance, property insurance, and commercial insurance policies. Agents work with clients to understand their needs and find the policy that best suits their short- and long-term objectives. They will also provide a competitive analysis of different coverage options so clients can determine the most appropriate fit to their specifications.

  • Individual Plans
  • Life Insurance

2601c Blanding Avenue, Alameda, CA 94501
WebsiteLicense: 0B17137

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

John Baskett Insurance Services assists with the insurance needs of residents and businesses in the vicinity of Oakland. Its agents help narrow down insurance choices for clients. Moreover, it helps clients compare benefits and rates to find the one that will match their needs. It carries health insurance plans like POS, PPOs, HMOs, and HDHPs. It also offers all Medicare parts and supplements for seniors. Additionally, it provides insurance plans for individuals, families, and groups. The company has been serving the community since 1978.

  • Individual Plans

2413 Webb Avenue, Alameda, CA 94501
WebsiteLicense: 0557451

Expertise.com Rating

Review Sources

Yelp
5.0 (83)
Google
5.0 (6)
Facebook
5.0 (2)

Why choose this provider?

Caffrey Insurance Solutions is a family-founded business that handles the health insurance needs of Oakland individuals and businesses. Its founder, Lynn Caffrey, has 42 years of experience in the insurance industry. The company assists its clients in acquiring the best insurance policy that suits their budget and current situation. It focuses on providing health plans for employees, including life, vision, dental, chiropractic, and acupuncture coverage. In addition, it streamlines the enrollment process through its customized management portal.

  • Group Plans

1100 Peach Street, Alameda, CA 94501
WebsiteLicense: 0H55892

Expertise.com Rating

Review Sources

Facebook
4.9 (20)
Google
5.0 (3)

Why choose this provider?

Hartman Insurance is an agency that has been in the industry for more than three decades. Its founder, Harry Hartman, has been delivering insurance solutions for clients in Oakland for over 25 years. He is a member of the National Association of Insurance and Financial Advisors and National Association of Life Underwriters. He offers health insurance plans for groups and individuals from different insurance carriers like Kaiser, Blue Cross, and United HealthCare. Other products include life insurance, long-term care, and vision plan.

  • Individual Plans
  • Life Insurance

1433 Leimert Boulevard, Oakland, CA 94602
WebsiteLicense: 0E31359

Expertise.com Rating

Review Sources

Yelp
4.0 (35)
Google
5.0 (9)

Why choose this provider?

Headquartered in Oakland, Halbrook Insurance Agency is an independent insurance agency that provides insurance services to residents and businesses in Oaktown and the surrounding communities. It carries insurance plans like health insurance, long-term care, Medicare, and Medicare supplement. Additionally, it provides commercial insurance packages like business owner’s insurance, commercial general liability, cyber liability, commercial auto, workers’ compensation, and commercial property insurance. Moreover, it offers EPLI that protects businesses from employee lawsuits that include sexual harassment, wrongful termination, and negligent evaluation.

  • Life Insurance
  • Individual Plans

Compare our Top Health Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Larry Sneed
11881 Skyline Boulevard, Oakland, CA 94619
Brady-Harbord-Payne Insurance Brokers
3608 Grand Avenue, Oakland, CA 94610
John Baskett Insurance Services
2601c Blanding Avenue, Alameda, CA 94501
Caffrey Insurance Solutions
2413 Webb Avenue, Alameda, CA 94501
Hartman Insurance
1100 Peach Street, Alameda, CA 94501
Halbrook Insurance Agency
1433 Leimert Boulevard, Oakland, CA 94602

FAQs

  • 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 apply for health insurance for low-income individuals in Oakland?

    Yes, you can apply for Medi-Cal, California's Medicaid program, to get health insurance for low-income people in Oakland. You can apply online through Covered California's website at https://www.coveredca.com/, in person at your local county office, over the phone, or download and submit your application to the county social services office.

  • Can health insurance providers deny coverage based on pre-existing conditions in Oakland?

    Health insurance providers in Oakland are prohibited from denying coverage or charging higher premiums based on pre-existing conditions. However, some policies may have an exclusion period that delays coverage for pre-existing conditions for up to a year from the policy's start date. If your previous insurance ended within the last two months, this exclusion period may be shorter.

  • What should you do if your health insurance claim is denied in Oakland?

    If your Oakland health insurance claim is denied, you should first understand why. Contact your insurance provider for more information and to discuss your appeal options. If there was an error, you can ask your healthcare provider to correct and resubmit the claim. Gather all relevant documentation, then submit an internal appeal to your insurance company, asking them to reconsider the denial. If necessary, you can request an external review.

  • Can you keep your health insurance coverage if you lose your job in Oakland?

    If you lost your job in Oakland, you have the right to continue using your former employer's health insurance plan under the Consolidated Omnibus Budget Reconciliation Act (COBRA). When your employer-sponsored benefits expire, you have 60 days to enroll in COBRA. Furthermore, you may be eligible for COBRA even if you resign from your job or work fewer hours. Other qualifying circumstances include divorce from or the death of the primary covered employee.

  • Is mental health coverage required in health insurance plans in Oakland?

    Yes, health insurance plans in Oakland must comply with the Affordable Care Act (ACA) regulations, which require them to offer mental health coverage that is equivalent to coverage for physical health services. However, it’s important to note that the in-network providers and covered services can vary based on the specifics of your insurance plan.

  • 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.