Expertise.com

2024

Last updated:

Best Health Insurance Agencies in Oceanside

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 Oceanside 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.

3303Reviewed

1984Curated

6Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

2768 Loker Avenue West, Carlsbad, CA 92010
WebsiteLicense: 0B43052

Expertise.com Rating

Review Sources

Yelp
5.0 (1)

Why choose this provider?

Health & Insurance Services offers family and individual health insurance plans in and around Oceanside. Having been in the industry for 20 years, Frederick Menslage, its insurance agent, provides a selection of health insurance coverage, such as dental, Medicare supplement, and critical care insurance policies. He informs clients of their available options, which include Medicare Advantage plans and long-term care coverage. Health & Insurance Services also works with multiple carriers, including United HealthCare Los Angeles, to provide group health insurance plans.

  • Life Insurance
  • Health Insurance
  • Long Term Care

5120 Avenida Encinas, Carlsbad, CA 92008
WebsiteLicense: 0M36233
Website

Expertise.com Rating

Review Sources

Google
5.0 (9)
Facebook
5.0 (9)
Yelp
4.6 (7)

Why choose this provider?

Established in 1972, KingBenefits Insurance Solutions is a life and health insurance company that serves clients in Oceanside. It was established by Bill King, a 40-year insurance agent who previously worked for MetLife. He and his team shop for health insurance policies from multiple national carriers, such as  Aetna, Aflac, CaliforniaChoice, and HealthNet. The company helps first-time clients pick or modify health plans to fit their needs, from ambulance charges to cancer coverage. It also updates each client about modern healthcare laws to adjust their policies.

  • Individual Plans
  • Group Plans
  • Life Insurance

2821 Oceanside Boulevard, Oceanside, CA 92054
WebsiteLicense: 0C17508

Expertise.com Rating

Review Sources

Google
4.0 (28)
Yelp
5.0 (20)

Why choose this provider?

Serra Benefits & Insurance Services has been providing health insurance solutions to clients in Oceanside since 1997. It caters to individuals, families, and businesses, helping them make informed decisions regarding their insurance needs. The company specializes in group health insurance and employee benefits, in addition to life, vision, dental, medical, and long-term care coverage. It also provides Medicare options, such as Medicare Supplements, Advantage, and Prescription Drug plans. Moreover, the company works with various carriers, including Protective, Prudential, Transamerica, and Kaiser Permanente.

  • Individual Plans
  • Life Insurance

2013 South Myers Street, Oceanside, CA 92054
WebsiteLicense: 0657547

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

James C. Nunnery Insurance Services is an agency that has been operating in Oceanside since 1992. It offers life, health, and dental insurance products to individuals and businesses. Its team partners with different insurance carriers to provide tailored solutions depending on clients' needs and financial goals. The list includes Atena, Blue Shield of California, Health Net, and UnitedHealthcare. The agency works with several local businesses including the South Bay Fence, Sunshine Gardens, and Axia Medical Solutions.

  • Life Insurance

603 Seagaze Drive, Oceanside, CA 92054
WebsiteLicense: 0L79816
Website

Expertise.com Rating

Review Sources

Google
5.0 (11)

Why choose this provider?

Preferred Insurance California is a health insurance broker that has been serving the Oceanside community since 1989. It offers individual health insurance plans like HMOs and PPOs. Small business health plans are also available, which are important to keep employees and attract new ones. Its independent agents shop the insurance marketplace for various solutions such as dental and vision insurance, wellness programs, and prescription drug plans. Moreover, they conduct employee orientation and onboarding, claims issues and problems, and follow-ups for businesses.

  • Group Plans
  • Individual Plans

900 East Vista Way, Vista, CA 92084
WebsiteLicense: 0I88655

Expertise.com Rating

Review Sources

Facebook
5.0 (28)
Google
5.0 (2)
Yelp
5.0 (2)

Why choose this provider?

Neighborhood Health Insurance Center is an agency that has been offering health plans for individuals, families, and seniors in Oceanside and nearby communities for the last six years. Its team of agents provides health plans for individuals and families directly under the Covered California Health Exchange or an insurance carrier. In addition, they also have health plans for clients who have Medicare that can cover extra benefits, such as gym memberships, dental care, and transportation.

  • Health Insurance

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.

  • Where can residents of Oceanside obtain health insurance aside from HealthCare.gov?

    Oceanside residents can obtain health insurance through Covered California, the state's health insurance marketplace established in response to the Affordable Care Act. These insurance plans are available in several metal tiers, including bronze, silver, and gold. Individuals and families that qualify may be eligible for lower rates on their plans, while businesses may be eligible for a federal tax credit of up to 50% of their premium expenses.

  • Which non-traditional health insurance options are available to people living in Oceanside?

    Residents of Oceanside have access to a variety of alternative healthcare options, including health reimbursement plans, medical savings plans, and health savings accounts. Individuals or their employers contribute funds to these accounts solely for the purpose of covering medical expenses, such as physician consultations, surgical interventions, and prescription medications. Notably, these accounts provide tax advantages.

  • What are the important minimum benefits that a large group health plan must cover in Oceanside?

    A group health plan in Oceanside must provide coverage for essential minimum benefits, including emergency services, in accordance with the regulations outlined in the Affordable Care Act. Ambulatory patient services, prescription medications, rehabilitative therapies, mental health services, and maternity and newborn care are all important healthcare services that must be covered.

  • What sets apart the HMO and PPO health plans offered to residents of Oceanside?

    Oceanside residents who are enrolled in HMO plans can use the services of healthcare professionals and medical facilities within a network established by their insurance providers. Policyholders must coordinate with their primary care physicians, who provide the necessary referrals, in order to consult with specialists within the network. Individuals with PPO plans, on the other hand, can obtain medical services from healthcare providers both within and outside the network associated with their insurance carriers.

  • How can Oceanside residents obtain a larger amount of health coverage?

    Oceanside residents can improve their health coverage by selecting health insurance plans with higher premiums. Individuals who choose these higher premium options can receive more substantial financial assistance from their insurance company when they require healthcare services. Furthermore, selecting a health insurance plan with higher premiums provides access to extensive healthcare provider networks, including top-rated hospitals and various medical facilities.

  • 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.

Related Articles

FeaturedHow To Get Health Insurance

How To Get Health Insurance

In this article, we’ll explore the world of health insurance, providing insights into employer-sponsored plans, individual in...

Featuredcovid-vaccine-health-insurance-banner

Survey: 3 Out of 10 Think Unvaccinated Should Pay More for Health Insurance

We surveyed 600 adults, asking them questions, if they’ve gotten vaccinated, why they decided to get vaccinated, and if they ...