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Best Health Insurance Agencies in Santa Ana

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2023
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Elmco Insurance, Inc. logo
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License Verified:

License: 0509747

California Department of Insurance

Elmco Insurance, Inc.

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1905 North Main Street, Santa Ana, CA 92706
  • Life Insurance

Business Description

Founded in 1958, Elmco Insurance, Inc., is a full-service insurance agency serving individuals and businesses in Santa Ana and the surrounding areas. It offers a wide array of insurance products from insurance carriers such as Allied Insurance, AIG, First American Specialty, Mercury Insurance Group, and Safeco Insurance. It provides health, life, auto, business, renters', and homeowners' insurance. The team of professionals at Elmco Insurance reviews clients' current policies and makes recommendations to improve coverages and is also available 24/7 to address customers' concerns.

License Verified:

License: 0509747

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 (33)

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
ERM Insurance Brokers logo
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License Verified:

License: 0H79377

California Department of Insurance

ERM Insurance Brokers

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3000 West MacArthur Boulevard, Santa Ana, CA 92704
  • Individual Plans
  • Life Insurance

Business Description

ERM Insurance Brokers is a business that provides a wide range of insurance options for business owners, individuals, and families in Santa Ana and nearby locations. Its agents work closely with its clients to assess their insurance needs and advise appropriate health insurance plans that meet their financial goals. They also handle employee benefits insurance, which can keep employees motivated and healthy. Moreover, they deal with voluntary benefits, long-term disability, group health, dental and vision, and executive benefits insurance.

License Verified:

License: 0H79377

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)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Heffernan Insurance Brokers logo
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License Verified:

License: 0564249

California Department of Insurance

Heffernan Insurance Brokers

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6 Hutton Centre Drive, Santa Ana, CA 92707
  • Individual Plans
  • Life Insurance

Business Description

Heffernan Insurance Brokers is an insurance company offering a comprehensive range of business and personal insurance solutions in Santa Ana. Founded in 1988, it provides individual health plans and Medicare policies. Serving various industries such as the healthcare, transportation, and technology markets, the company was named the 29th largest broker of US business by Business Insurance Magazine in 2020. Heffernan Insurance Brokers is an employee-owned business. It has multiple office locations in Northern and Southern California and Pacific Northwest.

License Verified:

License: 0564249

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
Facebook
5.0 / 5 (26)
Google
5.0 / 5 (5)
Yelp
2.0 / 5 (4)

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
Love My Insurance Services Inc logo
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License Verified:

License: 0K96087

California Department of Insurance

Love My Insurance Services Inc

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431 East First Street, Santa Ana, CA 92701
  • Individual Plans
  • Life Insurance

Business Description

Love My Insurance Services, Inc., provides insurance solutions from its four offices across California, which are located in Santa Ana, Garden Grove, Fontana, and Anaheim. It helps its customers compare and choose from a variety of medical insurance plans, which includes HMO, PPO, and EPO. It offers dental coverage as well. In addition, it has access to different insurance providers, such as Health Net, Molina Healthcare, and Kaiser Permanente. Its services are available in English and Spanish.

License Verified:

License: 0K96087

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 (44)
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
––
M.E. Waiters Financial & Insurance Services logo
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License Verified:

License: 0805641

California Department of Insurance

M.E. Waiters Financial & Insurance Services

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1234 17th Street, Santa Ana, CA 92701
  • Individual Plans
  • Group Plans
  • Life Insurance

Business Description

Headquartered in Santa Ana, M.E. Waiters Financial & Insurance Services serves residents and businesses in the local area and the surrounding communities. As an independent veteran-led insurance agency and finance company, it carries life insurance plans like disability insurance, long-term care insurance, international medical travel insurance, and dental & vision insurance. Additionally, it provides financial services like annuities, 401K, SEP IRAs, and ROTH IRAs. Michael Waiters leads the team as the head agent with more than 25 years of experience.

License Verified:

License: 0805641

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 (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
––
Moji Insurance logo

License Verified:

License: 0N11188

California Department of Insurance

Moji Insurance

17332 Irvine Boulevard, Tustin, CA 92780
  • Individual Plans
  • Group Plans

Business Description

Moji Insurance is an independent agency that has been working with customers in the community of Santa Ana and its surrounding areas since 2002. The business specializes in Medicare Supplements, employer & individual health insurance, life, and long-term care. Its team of professional agents provides clients with recommendations, presents various options, assesses their specific situation, and guides them throughout the entire application. In addition, Moji Insurance helps the senior community with Medicare and Social Security maximization.

License Verified:

License: 0N11188

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 (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
––
Mural Insurance Agency logo
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License Verified:

License: 0K96385

California Department of Insurance

Mural Insurance Agency

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1202 17th Street, Santa Ana, CA 92701
  • Life Insurance

Business Description

Mural Insurance Agency is a certified insurance company of Covered California, the health insurance marketplace of residents in Santa Ana and areas throughout California. It helps its clients understand the importance and intricacies of a health insurance plan. It also assists them in securing a healthcare policy under the Patient Protection and Affordable Care Act, with consideration to their needs and budget. It likewise helps individuals who are looking to secure coverage for their homes and vehicles.

License Verified:

License: 0K96385

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.
4.2
Google
4.0 / 5 (10)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
SureCo logo
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License Verified:

License: 0H38628

California Department of Insurance

SureCo

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201 Sandpointe Avenue, Santa Ana, CA 92707
  • Individual Plans
  • Life Insurance

Business Description

SureCo is an independent insurance agency that has been serving clients in Santa Ana and the surrounding areas since 2016. It specializes in health insurance policies, and it helps families and individuals navigate the healthcare system by providing a variety of insurance programs that match their needs. The brokerage is contracted to partner with different insurance carriers in more than 18 states, and it has a nationwide telehealth network and a doctor appointment-setting tool. Additionally, SureCo has a Great Place to Work® certification.

License Verified:

License: 0H38628

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 (137)
Facebook
3.0 / 5 (6)
Team Alvarez Insurance Services logo

License Verified:

License: 0G80296

California Department of Insurance

Team Alvarez Insurance Services

1971 East 4th Street, Santa Ana, CA 92705
  • Health Insurance

Business Description

Team Alvarez Insurance Services is a full-service field marketing organization that serves clients in Santa Ana. It specializes in offering individual and group health insurance, life insurance, and Medicare. It has formed partnerships with several insurance companies, including Health Net, Humana, and Aetna. The founder, Gus Alvarez, started his career in the health insurance industry as an insurance agent for Cornerstone America in August 2007. Gus decided to become an independent agent and established the agency in August 2008.

License Verified:

License: 0G80296

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 (18)
Facebook
3.0 / 5 (4)
Yelp
5.0 / 5 (4)

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
The Word & Brown Companies logo
Visit WebsiteWebsite

License Verified:

License: 0415872

California Department of Insurance

The Word & Brown Companies

Visit WebsiteWebsite
701 South Parker, Suite 8000, Orange, CA 92868
  • Individual Plans
  • Life Insurance

Business Description

The Word & Brown Companies is an insurance agency that has been serving Santa Ana since 1984. It offers health insurance solutions for individuals, families, and businesses under employee benefits. Its team of professionals helps clients in choosing coverage options that fit their needs from a wide range of insurance carriers, including Cigna, Humana, and UnitedHealthcare. The agency's co-founder, John M. Word, III, is a Registered Health Underwriter and a Registered Employee Benefits Consultant who serves as a speaker about various industry topics for vast audiences.

License Verified:

License: 0415872

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.
4.6
Google
4.0 / 5 (8)

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
––

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.