Expertise.com

2024

Last updated:

Best Health Insurance Agencies in Temecula

Our Recommended Top 10

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 Temecula 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.

1832Reviewed

1103Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

41669 Winchester Road, Temecula, CA 92590
WebsiteLicense: 0H98382

Expertise.com Rating

Review Sources

Google
4.7 (20)
Facebook
5.0 (18)
Yelp
5.0 (14)

Why choose this provider?

The Health Insurance Lady caters to Temecula clients searching for individual and family coverages, medicare supplements, and employer group health policies. Additionally, the company offers comparisons of different plans, finds new doctors for clients when needed, and processes policy enrollments. Jami McNees, president, has survived cancer and has appeared in TED Talks to share her experience. A previous client, Dori G., recognizes McNees' knowledge of the medical industry and ability to complete the insurance enrollment within days.

  • Health Insurance

27300 Jefferson Avenue, Suite B, Temecula, CA 92590
WebsiteLicense: 0750995
Website

Expertise.com Rating

Review Sources

Google
4.4 (89)
Facebook
4.3 (49)
Yelp
3.6 (18)

Why choose this provider?

Rick Douglas is a State Farm insurance agent who serves Temecula residents. He offers an array of health insurance options to families and seniors, providing coverage for individual medical expenses, disability paycheck protection, supplemental health. and Medicare Supplement plans. In addition, his agency has options to protect automobiles, homes, rental spaces, and personal articles. Term, whole, and universal life insurance options are also available. Douglas has been in the insurance industry since 1983. His team has a collective experience of over 100 years.

  • Life Insurance
  • Medicare Supplements
  • Health Insurance

27393 Ynez Rd Ste 158, Temecula, CA 92591
WebsiteLicense: 0M60267
Website

Expertise.com Rating

Review Sources

Google
4.9 (126)
Yelp
5.0 (3)

Why choose this provider?

Heiland Insurance Agency assists clients in Temecula in getting Medicare health plans. It serves the needs of qualifying seniors in California aged 65 years and above and other adults with qualifying permanent disabilities or medical conditions. The agency educates consumers about the four parts of Medicare in order to help them select suitable coverages like Medicare Advantage and Medicare Supplement. It also assists in picking auto, business, home, and life protection policies. Heiland Insurance Agency carries Farmers Insurance products.

  • Individual Health Insurance

41669 Winchester Rd #101, Temecula, CA 92590
WebsiteLicense: 4068040
Website

Expertise.com Rating

Why choose this provider?

The Health Insurance Guy is a local agency serving clients in Temecula. It provides health insurance options for individuals, families, and businesses. The agency helps employers in creating a group health plan for its employees depending on the company structure and the type of business. Its agents explain the differences between PPO and HMO and the Bronze, Silver, Gold, and Platinum options. It also offers accident coverage. The Health Insurance Guy is affiliated with Thrive Health Insurance.

  • Health Insurance

41923 2nd Street, Suite 201, Temecula, CA 92590
WebsiteLicense: 0C04828
Website

Expertise.com Rating

Review Sources

Facebook
5.0 (8)
Google
3.0 (2)

Why choose this provider?

Temecula Insurance Services has been providing coverage for clients in the metro since 1984. The firm's individual health insurance policy can pay for hospitalization expenses, along with medical and surgical procedures. It also covers dental expenses, mental health services, and prescription drugs. The company has insurance plans for vehicles like cars, motorcycles, RVs, and boats, along with property insurance for renters and homeowners. Businesses can also obtain coverage for general liability and workers' compensation. Founder Brad Salute serves as the CEO of Desert Southwest Insurance Brokers.

  • Life Insurance
  • Business Insurance

41881 5th St, Temecula, CA 92590
WebsiteLicense: CA-0D85939
Website

Expertise.com Rating

Review Sources

Google
5.0 (62)
Facebook
5.0 (28)
Yelp
4.3 (23)

Why choose this provider?

Through her local State Farm office, Julie Ngo helps residents in Temecula and nearby areas choose insurance products. She designs various health plans for individuals, such as medical coverage and supplemental health insurance. Ngo also works with Medicare beneficiaries looking for supplemental insurance to pay for deductibles, coinsurance, and copayment amounts. Additional solutions provided include life, auto, business, and homeowners' insurance. Ngo's team brings more than 50 years of combined experience in the industry.

  • Health Insurance

26111 Ynez Road, Temecula, CA 92591
WebsiteLicense: 0L06316

Expertise.com Rating

Review Sources

Yelp
3.5 (5)
Google
5.0 (2)

Why choose this provider?

Deanne Carlson Insurance Services provides health insurance products to clients in Temecula. These include fee-for-service and managed care that cover the surgical, hospital, and medical expenses of clients. It also assists individuals who want to plan for their long-term needs, such as nursing or medical assistance services that help them get through with the activities of daily living. Short- and long-term disability insurance products are also available. Additionally, the agency partners with General Insurance, Allied Insurance, and Travelers Insurance.

  • Life Insurance
  • Health Insurance

31779 Harden St, Menifee, Menifee, CA 92584
WebsiteLicense: 0K13471
Website

Expertise.com Rating

Review Sources

Google
5.0 (29)
Yelp
5.0 (18)

Why choose this provider?

JPN Insurance Services is a family-owned agency serving clients in Temecula. It offers health insurance options to families and small businesses. Its agents assist clients planning to avail of Medicare Advantage Plans, reviewing existing benefits and enumerating possible coverage options that suit each individual's unique needs. In addition, the agency can help companies and organizations set up group insurance for employees that cover vision and dental expenses. JPN Insurance Services works with carriers such as Covered California, UnitedHealthCare Inc, and Humana.

  • Health Insurance

27292 Vía Industria, Temecula, CA 92593
WebsiteLicense: 0589324
Website

Expertise.com Rating

Review Sources

Google
5.0 (39)
Yelp
5.0 (2)

Why choose this provider?

PSA Insurance Services is a Temecula-based insurance agency that works with individuals and businesses in six states. The company offers group health insurance to companies that use it as employee benefits. These policies cover health, vision, dental, and health savings accounts. Founded in 1979, the family-owned independent brokerage is staffed by 14 insurance brokers and six assistants. Some of its carrier partners are MetLife, Liberty Mutual, Health Net, and Blue Cross Blue Shield.

  • Life Insurance

11440 West Bernardo Court, San Diego, CA 92127
WebsiteLicense: 0M89634

Expertise.com Rating

Why choose this provider?

Established in 1989, Ghio Insurance Agency is a health insurance specialist that operates in San Diego. It provides temporary and long-term health insurance plans for residential and commercial clients in Temecula. The agency can compare quotes for health insurance from over 20 carriers, including Humana One and PCIP. It can also modify existing policies to add overseas trip insurance, Medigap plans, and Medicare supplements. Ghio Insurance Agency can process online applications for both individual and group plans.

  • Health 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.

  • In Temecula, is it possible to switch health insurance plans at any moment during the plan year?

    No. You can only modify your Temecula health insurance plan during the annual open enrollment period. There are a few exceptions that let you switch plans after the open enrollment period has ended. These consist of legitimate life changes like a marriage, the termination of another form of health insurance, childbirth, or relocation to a different area.

  • How can you comprehend the charges on your Temecula health insurance bill?

    Review the CPT and Dx codes stated on the bill, confirm you obtained each service indicated, and contact your healthcare provider if there are any errors to understand the fees shown on your Temecula health insurance bill. It is recommended to hold off on paying any outstanding balance until your insurance provider has processed the claim.

  • In what ways can you receive the premium tax credit for your health insurance plan in Temecula?

    For families with low incomes who have signed up for ACA health insurance plans in Temecula, the premium tax credit is a benefit that helps reduce or pay the cost of premiums. There are two ways you can get this credit:

    • When you submit your yearly tax return, you can claim every credit for which you are qualified.
    • You can have your credit paid straight to your health insurance company to lessen or pay your rates.
  • Does Temecula Medicare cover the cost of installing a walk-in bathtub in your house?

    Temecula Medicare Part A and Part B will not pay for the cost of installing a new walk-in bathtub in your residence because Medicare regulations do not include walk-in bathtubs as durable medical equipment. Although Original Medicare usually doesn't pay these charges, you can still claim reimbursement. It may be possible to get a portion of the costs paid if your doctor has suggested a walk-in tub to help you address a health condition that has a medical diagnosis.

  • What is covered by a Preferred Provider Organization in Temecula?

    A PPO is a kind of health insurance policy in Temecula that enables you to spend less out-of-pocket expenses if you visit a hospital or doctor who is a part of its network. It will pay for medical professional visits, whether for an outpatient service, an emergency, an overnight stay, or a scheduled surgery. It will also provide prescription drug coverage and pay for basic health benefits.

  • 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.

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