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Best Health Insurance Agencies in Santa Maria

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2023
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Antonio Mendoza logo
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License Verified:

License: 0K05435

California Department of Insurance

Antonio Mendoza

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1103 E Clark Avenue Suite D, Santa Maria, CA 93455
  • Life Insurance

Business Description

Antonio Mendoza is an insurance agent at State Farm serving clients in Santa Maria. He offers health insurance coverage for individuals, families, and senior citizens. The policies may include disability paycheck insurance and supplemental health. Additionally, he provides insurance plans for homeowners, renters, auto, pets, and businesses. Antonio has been in the industry for over 18 years and has several years of experience in financial services. His team can serve Spanish-speaking clients.

License Verified:

License: 0K05435

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
Google
4.9 / 5 (35)
Facebook
3.0 / 5 (2)
California Heritage logo
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License Verified:

License: 0B80262

California Department of Insurance

California Heritage

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1524 W. Branch St, Arroyo Grande, CA 93420
  • Group Plans
  • Health Insurance

Business Description

California Heritage is a local independent insurance agency serving Santa Maria clients. It offers group health insurance from multiple carriers to find the policies that fit the needs of the employers. It provides life and homeowners' insurance plans. In addition, the company has various risk insurance options for businesses, including workers' compensation and general liability. California Heritage was founded in 1982 as 4 Less Insurance Services, which merged with two other insurance firms to create the insurance company it is today.

License Verified:

License: 0B80262

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.
4.5
Google
4.6 / 5 (16)
Yelp
3.5 / 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
Cravello logo

License Verified:

License: 0L48767

California Department of Insurance

Cravello

801 South Broadway Suite #15, Santa Maria, CA 93454
  • Life Insurance
  • Dental and Vision Insurance
  • Medicare Supplements
  • Health Insurance

Business Description

Cravello is an insurance and financial solutions firm serving clients in Santa Maria. It offers health insurance with a variety of coverage options depending on the anticipated needs of each client. The company can provide coverage for long-term care, dental, vision, and disability. It also has term and whole life insurance and assists with Medicare Supplement plans. Cravello is owned and operated by husband-and-wife-duo Tony and Anne Cravello, who have more than a decade of combined industry experience.

License Verified:

License: 0L48767

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 (8)
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Reyco Insurance Services logo
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License Verified:

License: 0C85375

California Department of Insurance

Reyco Insurance Services

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528 East Main Street, Santa Maria, CA 93454
  • Health Insurance

Business Description

Reyco Insurance Services is an independent agency serving Santa Maria and the surrounding communities. It accommodates individuals and families who need assistance in obtaining health insurance policies. In addition, the company offers other personal and business plans such as homeowners', classic car, equine liability, dental, and commercial liability insurance. Its 10 insurance specialists work with various carriers such as Blue Shield, Aegis, Kemper, Nationwide, and Travelers. Reyco Insurance Services has been in the industry since 2013 and is a certified Covered California Insurance agency.

License Verified:

License: 0C85375

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
Google
4.6 / 5 (10)
Yelp
5.0 / 5 (4)
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
––
Tami Rabska logo
Visit WebsiteWebsite

License Verified:

License: 0B08322

California Department of Insurance

Tami Rabska

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1545 S Broadway, Santa Maria, CA 93454
  • Life Insurance
  • Health Insurance

Business Description

Tami Rabska is an insurance agent who assists clients in obtaining health insurance policies in Santa Maria and the surrounding areas. She provides different options, including Medicare supplement insurance, supplemental health insurance, and individual medical coverage. Additionally, she handles other policies covering life, property, home, auto, and business and aids clients with their banking needs. Tami Rabska has been helping clients through State Farm for more than 40 years. She has served as president of the Santa Maria Valley Kiwanis.

License Verified:

License: 0B08322

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Tolman Wiker logo

License Verified:

License: 0E52073

California Department of Insurance

Tolman Wiker

1525 E Main Street, Santa Maria, CA 93454
  • Health Insurance

Business Description

is an insurance company that offers a wide variety of services to individuals and families in Santa Maria and the surrounding areas. It provides health insurance policies and covers other personal risk solutions, including plans for life, disability, home, private collections, and umbrella and excess liability limits. An independent agency that has been operating for over 90 years, Tolman Wiker partners with various insurance carriers, such as American Insurance Group, Allied Insurance, Progressive, and Travelers.

License Verified:

License: 0E52073

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
Google
4.7 / 5 (3)
Facebook
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
––

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.