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Best Health Insurance Agencies in San Pedro

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Cal Health 1 logo
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License Verified:

License: 0G05732

California Department of Insurance

Cal Health 1

1379 Park Western Drive Suite 333, San Pedro, CA 90732
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  • Individual Plans
  • Group Plans
  • Health Insurance
  • Life Insurance

Business Description

Cal Health 1 is an independent insurance agency delivering web-based information to individuals and business owners looking for coverage options that suit their needs. It offers individual, family, and group health packages. The company also helps clients with Medicare, a health insurance program for seniors and patients with end-stage renal disease. The firm also offers property, liability, and workers’ compensation coverage for small businesses. Cal Health 1 serves clients in and around the San Pedro metro.

License Verified:

License: 0G05732

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
Facebook
5.0 / 5 (2)
Felix Insurance Agency logo
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License Verified:

License: 6005348

California Department of Insurance

Felix Insurance Agency

807 S Gaffey St, San Pedro, CA 90731
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  • Health Insurance

Business Description

Alexander Felix Insurance Agency is located in San Pedro and offers health insurance plans for clients in the city. Its staff members speak fluent Spanish and can provide quotes from carriers like Kemper and Liberty Mutual. The agency educates first-time clients about medical insurance mandates, such as the Affordable Care Act. Afterward, its staff reviews each client's background and medical history to recommend add-on coverages. These coverages can range from prescription to private hospice plans.

License Verified:

License: 6005348

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
Yelp
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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Mariela Leon logo
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License Verified:

License: 6001754

California Department of Insurance

Mariela Leon

1851 N Gaffey Street Ste D, San Pedro, CA 90731
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  • Medicare Supplements

Business Description

Serving people in San Pedro, Mariela Leon has been a State Farm insurance agent since 2007. She aims to help people manage the risks of everyday life and recover from unexpected happenings by offering health, life, home, auto, property, and business insurance plans. Mariela is an Accounting degree holder and a San Pedro Chamber of Commerce member. She and her team members, who have over 15 years of combined experience, also offer pet insurance plans and banking services.

License Verified:

License: 6001754

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
4.6 / 5 (28)
Yelp
5.0 / 5 (8)
Facebook
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
Pedro Maldonado logo
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License Verified:

License: 0F68640

California Department of Insurance

Pedro Maldonado

2615 Clarendon Avenue, Huntington Park, CA 90255
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  • Life Insurance
  • Health Insurance

Business Description

Pedro Maldonado assists clients in San Pedro in getting health insurance coverage based on their needs. This family-owned State Farm agency serves individuals and families by informing them of their health protection options. It also offers life, home, business, property, and auto insurance policies. It further supports customers by performing banking and mutual funds assistance. Maldonado and his four team members have a collective experience of over 50 years. They cater to clients who speak English and Spanish.

License Verified:

License: 0F68640

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.
4.9
Google
4.9 / 5 (133)
Facebook
5.0 / 5 (28)
Yelp
3.0 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Sean Kim logo
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License Verified:

License: 0E78896

California Department of Insurance

Sean Kim

1458 S San Pedro Street, Unit 255, Los Angeles, CA 90015
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  • Health Insurance

Business Description

Sean Kim is an insurance agent serving families and individuals in San Pedro and the surrounding communities. He offers a wide range of products, such as health, life, home, and auto insurance. His health insurance coverage includes individual medical, Supplemental Health, and Medicare Supplement. Kim also serves the needs of business owners, providing workers' compensation and general liability insurance. He has options for errors and omissions for professionals, in addition to mutual funds, banking, and annuities.

License Verified:

License: 0E78896

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

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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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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