Expertise.com

2024

Last updated:

Best Health Insurance Agencies in San Marcos

Our Recommended Top 5

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 San Marcos 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.

1748Reviewed

1050Curated

5Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

2413 Lapis Road, Carlsbad, CA 92009
WebsiteLicense: 0L32501
Website

Expertise.com Rating

Review Sources

Facebook
5.0 (10)
Google
5.0 (1)
Yelp
1.0 (1)

Why choose this provider?

Carlsbad General Insurance Agency offers comprehensive insurance solutions to clients in San Marcos and the surrounding areas. The business offers various health insurance coverage designed to fit the clients' requirements and needs. It also provides options for life, home, auto, landlord, and renters insurance, in addition to commercial products, such as bonds, contractors, and trucking coverage. Its principal agent, Paul Royko, has been in the insurance industry for more than 24 years, specializing in negotiating and settling insurance claims.

  • Life Insurance

133 South Escondido Boulevard, Escondido, CA 92025
WebsiteLicense: 0J20477
Website

Expertise.com Rating

Review Sources

Google
5.0 (14)
Facebook
5.0 (12)

Why choose this provider?

Buggie Dugger Jr. leads a team of insurance professionals and serves families and businesses in San Marcos. As an insurance agent affiliated with State Farm, Buggie assists clients in navigating their health insurance options, including supplemental health and individual major medical insurance. He also educates them about Medicare Supplements, which provide coverage for expenses outside the Medicare program, such as coinsurance and deductibles. A resident of San Diego County for 20 years, Buggie is a US Navy veteran.

  • Individual Plans

402 South Juniper Street, Escondido, CA 92025
WebsiteLicense: 0640557
Website

Expertise.com Rating

Review Sources

Yelp
4.0 (15)
Google
4.0 (14)

Why choose this provider?

Steve Beach is an agent who started his career at State Farm in 1977. He provides health insurance solutions in San Marcos to protect families in the local community from events that can affect their financial situation. In addition, home, auto, business, property, and life insurance policy plans are available. Steve and his team of professionals have over 100 years of combined experience in the industry. His company's mission is to deliver reliable coverage options to fit his clients' requirements.

  • Individual Plans
  • Life Insurance

2160 Fletcher Parkway, El Cajon, CA 92020
WebsiteLicense: 0H10320

Expertise.com Rating

Review Sources

Yelp
5.0 (19)

Why choose this provider?

Alitt Insurance Agency is a health insurance agency founded by Beth Ann Alitt who has been servicing the San Marcos area and neighboring communities since 1985. The family-owned and operated business caters to individuals, families, and businesses that require specific insurance needs including home insurance, auto insurance, personal umbrella insurance, and personal liability insurance. It also offers a variety of commercial insurance such as business owners' insurance, commercial auto insurance, venue insurance, and workers compensation.

  • Life Insurance

1738 Old Mill Road, Encinitas, CA 92024
WebsiteLicense: 0B03639
Website

Expertise.com Rating

Review Sources

Yelp
5.0 (1)

Why choose this provider?

Established in 1992, Pacific Health Brokers is a family-owned company providing life insurance services to clients in San Marcos. The company's team of health brokers provide several insurance options, including individual and family health insurance. It also caters to businesses with over two employees by offering small group insurance products from various carriers, including Health Net, Pacificare, Anthem Blue Cross, and Blue Shield of California. In addition, Pacific Health Brokers is available for HMO, PPO, and HSA coverage plans.

  • 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.

  • What impact do factors such as age, gender, and cigarette usage have on the cost of health insurance in San Marcos?

    In San Marcos, the cost of health insurance will go up in direct proportion to the age of the insured. Gender does not have as much of an impact, except when it comes to maternity coverage. Using tobacco may also make the cost of the policy go up by 35% with some providers.

  • When will your San Marcos health insurance coverage begin?

    If you buy health insurance in San Marcos, you can ask for coverage to start at any time between 1 and 90 days after the purchase. You may not get coverage on the date you thought you would, though, because insurance companies need time to process applications. This happens if your medical records are not available or if the underwriting process takes too long.

  • What could be the cause of the delay in your health insurance processing in San Marcos?

    In San Marcos, delays in health insurance processing may stem from issues such as missing dates or signatures on application forms, unanswered queries, incomplete medical history details for yes responses, and pending medical records from providers. These factors hinder the evaluation process, emphasizing the importance of thorough and accurate submissions. Addressing these concerns promptly ensures a smoother and timely approval for your health insurance application.

  • What does co-insurance mean when buying health insurance in San Marcos?

    Following the fulfillment of the deductible requirement, co-insurance refers to the proportional division of costs between the insured individual and the insurance company in San Marcos. After the deductible has been met, the policyholder may bear a portion of the expense ranging from 10% to 50%. This responsibility, however, is limited to the maximum out-of-pocket limit.

  • What Medi-Cal health plans are available to people who live in San Marcos?

    Medi-Cal managed care has 21 health plans, which vary by county. Under Covered California, commercial plans from Anthem Blue Cross, Kaiser, Health Net, and Molina are available in the majority of counties. Other public plans are managed by the community. Residents of San Marcos can access high-quality care at low or no cost through Medi-Cal plans in every county. Medi-Cal Managed Care: Health Plan Directory is an online directory of Medi-Cal managed care health plans.

  • 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.

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