Expertise.com

Best Health Insurance Agencies in Richmond

2023

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Last updated:

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

Why choose this provider?

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
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Website
5359 Country View Drive, Richmond, CA 94803
  • Life Insurance
  • Health Insurance

Why choose this provider?

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.
4.0
Google
4.0 / 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

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

Why choose this provider?

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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

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.