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Best Health Insurance Agencies in Rancho Cucamonga

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Delaney Insurance Agency, Inc. logo
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License Verified:

License: 0725700

California Department of Insurance

Delaney Insurance Agency, Inc.

8231 White Oak Avenue, Rancho Cucamonga, CA 91730
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  • Individual Plans

Business Description

Delaney Insurance Agency, Inc., is a full-service independent insurance provider serving Rancho Cucamonga and the surrounding areas. Its agents help individuals, families, and businesses obtain health insurance plans that fit their needs, requirements, and preferences. The types of health insurance the company offers are health, dental, and vision coverages for individuals and groups, supplementary or voluntary plans, disability and income protection, and long-term care policies. Delaney Insurance Agency also provides assistance in acquiring life insurance.

License Verified:

License: 0725700

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)
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
Hanasab Insurance Services logo
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License Verified:

License: 0E08574

California Department of Insurance

Hanasab Insurance Services

8600 Utica Avenue, Rancho Cucamonga, CA 91730
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  • Life Insurance

Business Description

Hanasab Insurance Services is an insurance brokerage serving residents and businesses in Rancho Cucamonga and nearby areas. It has been in business since 1993 and strives to provide well-informed risk management solutions executed with expertise and integrity. It offers group health and disability insurance plans and an extensive employee benefits package inclusive of medical reimbursement, dental and vision, short-term and long-term disability, and accidental death and dismemberment coverage. Hanasab Insurance Services maintains offices in Los Angeles and Ontario.

License Verified:

License: 0E08574

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
3.0 / 5 (2)
Facebook
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Laurie Ferraro logo
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License Verified:

License: 0H11948

California Department of Insurance

Laurie Ferraro

10600 Trademark Parkway North, Rancho Cucamonga, CA 91730
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  • Individual Plans
  • Life Insurance

Business Description

Laurie Ferraro is a State Farm insurance agent who has been serving Rancho Cucamonga for 27 years. She provides health insurance coverage options for families, individuals, and senior citizens. A wide range of plans is available like supplemental health, Medicare supplement, and individual medical coverage. Disability insurance is also available for short-term and long-term needs. Laurie and her team also offer auto, life, pet, property, and business insurance. They speak in English and Spanish.

License Verified:

License: 0H11948

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 (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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Take Action Insurance Services logo
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License Verified:

License: 0C69905

California Department of Insurance

Take Action Insurance Services

8439 White Oak Avenue, Rancho Cucamonga, CA 91730
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  • Individual Plans

Business Description

Take Action Insurance Services provides healthcare insurance assistance to its clients in Rancho Cucamonga. Its agents are equipped to explain plan limitations, review co-payments, and conduct personal appointments with clients. They also create policies that are accepted by both the clients' preferred hospitals and physicians. Sandy Salcido, its health insurance agent, arranges Medicare contracts addressing the needs of each individual. The business also represents multiple carriers, such as Blue Shield of California, Humana, Scan, Aetna, Anthem, and United Healthcare.

License Verified:

License: 0C69905

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
The Platinum Group logo
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License Verified:

License: 0H31766

California Department of Insurance

The Platinum Group

10373 Trademark Street, Rancho Cucamonga, CA 91730
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  • Individual Plans
  • Life Insurance

Business Description

The Platinum Group (TPG) is full-service insurance firm whose main office is in Rancho Cucamonga. As an independent agent, it offers health insurance plans from multiple national carriers like Kemper and Progressive. The firm provides general health insurance benefits including major medical services, health savings accounts, and medicare support. It can also customize plans to fit students and self-employed clients. Additionally, the firm provides health insurance plans for groups like small businesses and families. TPG's other insurance options include life and disability insurance.

License Verified:

License: 0H31766

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 (13)
Western Pacific Insurance Services logo
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License Verified:

License: 0F60667

California Department of Insurance

Western Pacific Insurance Services

8429 White Oak Avenue, Rancho Cucamonga, CA 91730
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  • Life Insurance

Business Description

Western Pacific Insurance Services addresses the insurance needs of clients in Rancho Cucamonga and surrounding communities. The professionals in this company assess the clients' needs to determine the policy that fits their situation and financial goals. They offer a wide range of products, including health, life, home, auto, and commercial insurance. The business also provides disaster risk management coverage, which includes fire, flood, and earthquake insurance. Furthermore, it represents multiple insurance partners, including Travelers, Progressive, Foremost, and American Modern.

License Verified:

License: 0F60667

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.
4.7
Google
3.0 / 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
Winston & Associates Insurance Brokers, Inc. logo
Visit WebsiteWebsite

License Verified:

License: 0A91014

California Department of Insurance

Winston & Associates Insurance Brokers, Inc.

8570 Utica Avenue, Rancho Cucamonga, CA 91730
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  • Individual Plans
  • Life Insurance

Business Description

Established in 1991, Winston & Associates Insurance Brokers, Inc., is an independent agency that serves residents and businesses in Rancho Cucamonga and surrounding areas. It offers a wide array of risk management solutions, including individual life and health insurance policies as well as group health insurance. It also provides extensive policies for commercial businesses and coverage for special industries and employees. Additionally, the brokerage provides coverage for special events and weddings as well as notary, permit, and license services.

License Verified:

License: 0A91014

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)

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