Expertise.com

2024

Last updated:

Best Health Insurance Agencies in San Ramon

Our Recommended Top 7

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 Ramon 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.

1435Reviewed

863Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

4115 Blackhawk Plaza Circle, Danville, CA 94506
WebsiteLicense: 0F43069

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Why choose this provider?

Blomberg & Tolson Financial Planning and Insurance Services is an insurance provider serving San Ramon and the surrounding areas. Founded in 1992, it offers diversified financial solutions to individuals, families, and businesses. These include life insurance coverage, which is designed to protect the future of clients and their beneficiaries. Blomberg & Tolson Financial Planning and Insurance Services' current head agent, Sarah Tolson Kim, is a financial professional who is penning a book about financial planning for women with young families.

  • Life Insurance

6701 Koll Center Parkway, Pleasanton, CA 94566
WebsiteLicense: 0G66614

Why choose this provider?

One Risk Group, LLC, is an independent retail property and casualty insurance broker that serves clients in San Ramon. It specializes in offering various healthcare, vision, long-term care, individual and family health, and dental insurance plans from several insurance carriers that include Chubb, Allianz, Berkshire Hathaway Inc., and Axa. The company also covers other insurance products and services for workers' compensation, professional and cyber liability, and commercial properties. One Risk Group was established in 2009.

  • Individual Plans
  • Life Insurance

2240 Camino Ramon, San Ramon, CA 94583
WebsiteLicense: 0E11883

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Review Sources

Google
2.7 (3)
Yelp
5.0 (3)
Facebook
3.0 (1)

Why choose this provider?

Bay Area Benefits Insurance Services Inc. offers a wide range of health insurance solutions for the people of San Ramon. It is partnered with major insurance carriers, like Kaiser, BlueCross, and BlueShield, enabling its agents to craft insurance plans that clients will benefit from based on their individual needs and backgrounds. Available health insurance types include medical, dental, and vision insurance. In addition to these, the agency also provides life insurance and coverage for accidental death and dismemberment.

  • Individual Plans
  • Group Plans
  • Life Insurance

6280 West Las Positas Boulevard, Pleasanton, CA 94588
WebsiteLicense: 0B48039

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Review Sources

Yelp
3.0 (6)
Google
5.0 (2)

Why choose this provider?

Acceptance Insurance Services, Inc., is a risk management specialist that serves the San Ramon area. Its team of independent agents assists clients in several areas, including managed care and fee-for-service health insurance plans. The former offers financial incentives, provides comprehensive medical services, and may involve plans such as HMOs, POSs, and PPOs. In addition to health insurance, Acceptance Insurance Services furnishes dental, life, and businesses insurance, covering general liability, workers' compensation, and commercial auto protection plans.

  • Life Insurance

2430 Camino Ramon, San Ramon, CA 94583
WebsiteLicense: 0K51441

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Why choose this provider?

Sound Benefits Insurance Solutions, LLC, is a licensed independent agency providing personal and business insurance to San Ramon for more than 20 years. The company works with various insurance and benefits providers that offer dental, vision, medicare insurance, travel insurance, and disability insurance. It also provides employee benefits insurance for small businesses, HR, compliance solutions, and access to HR360 to give comprehensive guidance on Health Care Reform and Safety & Wellness. Sound Benefits Insurance Solutions was founded by Keith Hale in 1991.

  • Individual Plans

760 Camino Ramon, Danville, CA 94526
WebsiteLicense: 0E55331

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Review Sources

Yelp
5.0 (33)
Facebook
5.0 (3)

Why choose this provider?

Steven Hom Insurance Services, Inc., is a multi-line agency that serves the risk management needs of individuals and businesses in San Ramon. Included in its range of products is group health insurance which caters to companies who need to provide coverage for their employers. In addition to health insurance, the firm provides dental, vision, disability, and long-term care protection plans. Furthermore, Steven Hom Insurance Services offers a full line of business insurance products, covering liquor liability and medical malpractice.

  • Life Insurance

4625 First Street, Pleasanton, CA 94566
WebsiteLicense: 0C68052

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Review Sources

Google
4.0 (21)
Yelp
4.0 (8)
Facebook
5.0 (5)

Why choose this provider?

Morgan King is a health insurance agent who caters to individuals in the San Ramon area. He helps customers with financial security and goals by offering life insurance policies. In addition, she assists clients who are in need of auto and home insurance. Morgan has been with State Farm for 19 years and is dedicated to realizing a positive impact on communities. She furthers her passion to aid others through a program that introduces adopted children to Chinese heritage.

  • Life 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.

  • Is there a waiting period before your health insurance coverage starts in San Ramon?

    The state of California prevents insurance carriers from implementing a waiting period for new health insurance policyholders in San Ramon. Waiting periods are also barred for individuals who have pre-existing conditions. However, if you are in a group plan sponsored by your employer, a waiting period can be imposed.

  • Will your dependents immediately lose their health insurance coverage if you lose your job in San Ramon?

    No, your dependents will not immediately lose their health insurance coverage in San Ramon if you leave your job. You will have the option to continue your health coverage through the Consolidated Omnibus Budget Reconciliation Act. You are given 60 days to sign up for COBRA insurance and may also qualify for the program in the event of a divorce.

  • Will your spouse lose coverage under your health insurance if you go through divorce proceedings in San Ramon?

    Yes. If you and your spouse go through divorce proceedings in San Ramon, your health insurance coverage will be affected. If your spouse is under your company-sponsored health insurance plan, they can still continue their COBRA coverage. They may choose to pay the premium in full or just get insurance coverage through their own employer.

  • What can you do if your health insurance claim is denied in San Ramon?

    You may file an appeal with your health insurance carrier in San Ramon if your claim is denied. You may also ask the Department of Insurance to have an independent medical review of the matter. Usually, insurance carriers deny a claim if they determine that the medical procedure is not necessary, deemed elective surgery for aesthetic purposes, or just not included in the policy.

  • Can you still get additional health insurance coverage even if you have Medi-Cal in San Ramon?

    Yes. You can get primary health insurance in San Ramon even if you are already enrolled in Medi-Cal. According to federal law, healthcare institutions should bill your primary insurance before your Medi-Cal coverage kicks in, which will pay the remaining amount of your hospital bill as long as it is within the allowable cost of your Medi-Cal.

  • 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.