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Best Health Insurance Agencies in San Mateo

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Anixter & Oser, Inc. logo
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License Verified:

License: 0E28888

California Department of Insurance

Anixter & Oser, Inc.

205 San Marin Drive, Novato, CA 94945
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  • Individual Plans

Business Description

Active for over a century, Anixter & Oser, Inc. is a family-owned agency that provides health insurance plans for clients in San Mateo. The company examines Medicare and employee health plans from multiple insurance carriers. These include national companies like Employers, Markel, and Safeco Insurance. The agency searches for general health plans that include hospice care and prescription coverage. It can also customize each policy with copayments, vaccine shots, and ambulance coverage. The firm's other insurance options include home, automobile, and life insurance policies.

License Verified:

License: 0E28888

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.
4.8
Yelp
4.5 / 5 (13)
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
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Bay Area Health Insurance Marketing, Inc. logo
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License Verified:

License: 0C60215

California Department of Insurance

Bay Area Health Insurance Marketing, Inc.

2882 Sand Hill Rd. Ste. 119, Menlo Park, CA 94025
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  • Individual Health Insurance
  • Employee Benefits

Business Description

Bay Area Health Insurance Marketing, Inc., is a local brokerage catering to policy buyers in San Mateo. It offers a range of health care policies, including health insurance plans for families, individuals, and groups as well as disability, dental, and vision plans. Medicare coverages and employee benefits are also available. The brokerage has been in the industry since 1988, and its team provides annual policy reviews and helps clients with administrative tasks, like billing and claims.

License Verified:

License: 0C60215

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.
4.1
Facebook
5.0 / 5 (4)
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
Bay Area Health Solutions logo
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License Verified:

License: 0D67903

California Department of Insurance

Bay Area Health Solutions

1816 Tully Rd Suite 186, San Jose, CA 95122
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  • Individual Plans
  • Group Plans
  • Health Insurance

Business Description

Bay Area Health Solutions is a local insurance firm that delivers a range of health care products for residents and businesses in San Mateo. It offers individual and group health insurance policies as well as critical illness and disability coverage. Medicare plans, long-term care, and dental and vision policies are also available. Its founder, Gary Church, is a U.S. Army veteran who has been in the insurance industry for over 19 years. He is a certified Covered California health insurance agent.

License Verified:

License: 0D67903

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 (34)
Facebook
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
Gary Hernandez logo
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License Verified:

License: 0581386

California Department of Insurance

Gary Hernandez

1801 Murchison Drive, Burlingame, CA 94010
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  • Individual Plans
  • Life Insurance

Business Description

Gary Hernandez has been a State Farm insurance agent since 1980. He offers insurance and banking services to clients in San Mateo and nearby areas. Gary provides health insurance policies such as supplemental health and individual medical plans. His life insurance plans include coverages for whole, universal, and term life. He also assists commercial clients with business insurance plans. Other personal lines include coverage for homeowners, renters, and vehicles. Gary is a member of the National Association of Insurance & Financial Advisors.

License Verified:

License: 0581386

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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
HCM Wealth Mangement logo
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License Verified:

License: 0C63348

California Department of Insurance

HCM Wealth Mangement

485 Broadway, Millbrae, CA 94030
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  • Life Insurance

Business Description

HCM Wealth Management is an investment advisory and insurance company that serves clients in San Mateo and its neighboring communities. The company's insurance plans include annuity, 401(k) savings, and life insurance plans. It also offers quotes for long-term care plans to cover debilitating and expensive medical bills. Its agents can also modify each policy to cover disabilities and replace income loss. In addition, HCM Wealth Management can calculate the monthly payments needed to pay off credit card or mortgage refinancing debts.

License Verified:

License: 0C63348

California Department of Insurance

James K. Mason Insurance logo
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License Verified:

License: 0H58302

California Department of Insurance

James K. Mason Insurance

300 N. San Mateo Dr., San Mateo, CA 94401
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  • Individual Plans
  • Group Plans
  • Health Insurance
  • Employee Benefits

Business Description

James K. Mason Insurance is an agency that provides life insurance solutions for individuals, families, and businesses in the San Mateo area. Its insurance brokers offer health insurance policies to protect clients from financial losses in the event of an accident or illness. They help clients pay large medical expenditures through the health insurance plan. They also have a range of insurance products for business owners, including general liability, business property, workers' compensation, and employment practices insurance plans.

License Verified:

License: 0H58302

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)
Yelp
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.
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.

Read all FAQs