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Best Health Insurance Agencies in Richmond

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Auxilian Insurance Services logo
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License Verified:

License: 0G67804

California Department of Insurance

Auxilian Insurance Services

715 14th Avenue, San Francisco, CA 94118
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  • Health Insurance

Business Description

Auxilian Insurance Services assists individuals, families, and small businesses in Richmond. The company was established in 2009 by former company executives David Hansmann and Rick Goldfien. It was founded on the vision of helping mid-sized businesses craft a suitable benefits package that would retain employees. The team of agents at this firm also assists policyholders with acquiring health insurance and dental plans to address the financial risks they want to prepare for. Auxilian Insurance Services also offers HR support and administrative services.

License Verified:

License: 0G67804

California Department of Insurance

Cesar Flores logo
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License Verified:

License: 0659979

California Department of Insurance

Cesar Flores

650 East Blithedale Avenue, Mill Valley, CA 94941
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  • Life Insurance

Business Description

Cesar Flores is a State Farm insurance agent serving residents and businesses in Richmond and Mill Valley. As a native San Franciscan, Cesar is familiar with the lifestyle demands of a typical Californian. He is knowledgeable in helping clients identify the most appropriate health insurance coverage for their needs. He also offers comprehensive individual medical coverage with options for additional policies, such as supplemental health insurance and Medicare supplement insurance. Cesar has been with State Farm since 1984 and specializes in needs analysis and relocations.

License Verified:

License: 0659979

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
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Larry L Nazry logo
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License Verified:

License: 0623078

California Department of Insurance

Larry L Nazry

412 D Street, San Rafael, CA 94901
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  • Individual Plans

Business Description

Larry L Nazry is a State Farm insurance agent who serves clients in Richmond. His agency offers a variety of healthcare, Medicare supplement, disability, and individual medical coverage plans. Larry also covers other types of insurance products and services for automobiles, homeowners, renters, jewelry and collectibles, and life insurance. State Farm Life Insurance Company underwrites life insurance and annuities. A partnership between U.S. Bank and State Farm also allows clients to apply for CDs, checking, and savings accounts online.

License Verified:

License: 0623078

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
4.7 / 5 (23)

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
––
Skyview Insurance Services logo
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License Verified:

License: 0C05788

California Department of Insurance

Skyview Insurance Services

5359 Country View Drive, Richmond, CA 94803
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  • Life Insurance
  • Health Insurance

Business Description

Skyview Insurance Services is an independent company that provides services to businesses, families, and individuals in the Richmond metro and its nearby communities. It is a health insurance service provider that offers individual, group, dental, PPO, and HMO coverages. Additionally, the agency helps clients acquire Medigap and Medicare insurance plans. It works with multiple health insurance providers in creating customized coverages, including Humana, Aetna, Health Net, and Kaiser Permanente. Skyview Insurance Services has been in the business since 2005.

License Verified:

License: 0C05788

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.
4.5
Google
4.5 / 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
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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.

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