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Best Health Insurance Agencies in Pasadena

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CHM Insurance Services logo
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License Verified:

License: 0G00859

California Department of Insurance

CHM Insurance Services

Pasadena, CA 91104
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  • Life Insurance
  • Health Insurance

Business Description

CHM Insurance Services is a multi-cultural health insurance agency that serves clients in Pasadena and in various locations nationwide. It helps clients secure individual health insurance, Medicare Advantage or Supplement insurance, small business insurance, and workers' compensation insurance plans. It also offers life insurance policies that will help the family cover funeral expenses, eliminate debts, fund businesses, and pay estate taxes. Its president, Martha Gonzales, has been assisting individuals, families, retirees, physicians, and employers for nearly three decades.

License Verified:

License: 0G00859

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 (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
Citrust Insurance Agency logo
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License Verified:

License: 0L50691

California Department of Insurance

Citrust Insurance Agency

161 South Madison Avenue, Pasadena, CA 91101
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  • Individual Plans

Business Description

Citrust Insurance Agency is an insurance firm that delivers personal and commercial insurance plans to clients in Pasadena. The company assists individuals and employers in seeking a health insurance policy akin to their medical needs. Its agents represent multiple carriers that can deliver various health coverages, including major medical, accidental health, dismemberment, and international travel medical plans. The company also offers Medicare Advantage, prescription drug, and Medicare Supplemental policies. Its co-founders, Jonathan Edewards and Edsel Dsouza, are members of the National Association of Health Underwriters.

License Verified:

License: 0L50691

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 (24)
Facebook
5.0 / 5 (14)

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
Health Insurance Brokers LLC logo
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License Verified:

License: 0750065

California Department of Insurance

Health Insurance Brokers LLC

333 West California Boulevard, Pasadena, CA 91105
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  • Individual Plans

Business Description

Health Insurance Brokers LLC is a partnership of independent insurance brokers that has been serving the residents of Pasadena and the surrounding areas for more than 15 years. It offers individual ACA health insurance, short-term medical insurance, limited medical insurance, and Medicare policies. Founder and managing partner John W. Barrett is a former US Marine. He is also the founder of the Palisades Capital Group. Health Insurance Brokers LLC is a Certified Insurance Agent with Covered California.

License Verified:

License: 0750065

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
Facebook
4.9 / 5 (14)
Google
4.0 / 5 (8)
Prestige Insurance and Financial Services logo
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License Verified:

License: 0K43280

California Department of Insurance

Prestige Insurance and Financial Services

1021 East Walnut Street, Pasadena, CA 91106
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  • Individual Plans
  • Life Insurance

Business Description

Prestige Insurance and Financial Services is a full-service insurance agency established in 2014. The agency serves individuals and corporate clients in Pasadena and its surrounding communities. It specializes in home, life, and health insurance. Its health insurance products include Medicare, Affordable Care Act, and Individual Long-Term Care policies. The company’s founder, Tunisia Offray, leads Women, Wealth, Warriors, a platform for female business owners. Offray is also an accountant and owns Offray Accounting and Bookkeeping Services.

License Verified:

License: 0K43280

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 (16)
Google
5.0 / 5 (11)

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
Shaw, Moses, Mendenhall Insurance logo
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License Verified:

License: 0D94511

California Department of Insurance

Shaw, Moses, Mendenhall Insurance

625 Fair Oaks Avenue, South Pasadena, CA 91030
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  • Individual Plans
  • Life Insurance

Business Description

Shaw, Moses, Mendenhall & Associates Insurance Agency is a full-service agency that provides health insurance for individuals and businesses in Pasadena and the surrounding communities. The company offers custom-built insurance portfolios for clients to make sure that the policies fit their current situation and needs. Founded in 1988, it has been providing a wide variety of insurance policies not only for life insurance but for personal auto, homeowners, workers' compensation, and commercial auto.

License Verified:

License: 0D94511

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
Facebook
4.0 / 5 (6)
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
Supple-Merrill & Driscoll, Inc. logo
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License Verified:

License: 0517777

California Department of Insurance

Supple-Merrill & Driscoll, Inc.

550 El Dorado Street, Pasadena, CA 91101
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  • Individual Plans
  • Life Insurance

Business Description

Supple-Merrill & Driscoll, Inc. is a full-service independent firm in Pasadena. Established in 1923, it delivers the risk management and insurance needs of individuals, families, and businesses. The local agency offers personal insurance coverages for health, life, homeowners, classic cars, and personal articles. It also provides business policy options such as group health insurance, workers’ compensation, commercial liability, and bonds. Supple-Merrill & Driscoll, Inc.’s team of professionals has a strong focus on working with carriers that cater to its clientele’s specific needs.

License Verified:

License: 0517777

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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Ultima Insurance logo
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License Verified:

License: 0652768;

California Department of Insurance

Ultima Insurance

3848 East Colorado Boulevard, Pasadena, CA 91107
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  • Life Insurance
  • Home & Auto Insurance
  • Business Insurance

Business Description

Ultima Insurance is an independent agency operating in Pasadena. It offers different types of individual and group health insurance including fee-for-service, HMOs, PPOs, CDHP, and POs. The policies typically cover medical, surgical, and hospital costs as well as prescription drugs. On the other hand, the group coverage includes dental, vision, and health savings account coverage. Medicare Supplement options are also available. Moreover, these health insurance policies are available as employee benefits under business lines of insurance.

License Verified:

License: 0652768;

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
United Western Insurance Brokers logo
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License Verified:

License: 0D73849

California Department of Insurance

United Western Insurance Brokers

16 South Oakland Avenue, Pasadena, CA 91101
Visit WebsiteWebsite
  • Life Insurance

Business Description

United Western Insurance Brokers offers health coverage options for business employees in Pasadena. Beyond allowing groups to select health plans and input their dependents, the agency provides electronically integrated benefits, from HR documents to company payroll and performance reviews. It also offers personal lines of insurance, such as life, homeowners', and auto insurance, as well as business products securing liabilities and commercial properties. Founded in 1918, United Western is an independent agency with carriers such as Progressive, Nationwide, Safeco, and Liberty Mutual.

License Verified:

License: 0D73849

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 (28)
Yelp
5.0 / 5 (6)
Facebook
4.5 / 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
––
Back to Providers

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