Expertise.com

Best Health Insurance Agencies in Union City

2023

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls
Health Insurance Agencies FAQs 〉

Last updated:

Website
2882 Sand Hill Road, Suite 119, Menlo Park, CA 94025
  • Life Insurance
  • Individual Health Insurance

Why choose this provider?

Bay Area Health Insurance Marketing, Inc. is a Diamond Certified agency serving individuals, families, and small business owners in Union City and the surrounding areas. It specializes in life, disability, medical, and dental insurances. The agency also guides clients in Medicare-related matters, such as enrollment periods and the coverages on its advantage, supplement, and special needs plans. Bay Area Health Insurance Marketing helps clients file an appeal for coverage, solve billing errors, and access medication during pharmacy exceptions.

License Verified:

License: 0C60215

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 (4)
Google
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4588 Peralta Blvd, Suite 4, Fremont, CA 94536
  • Individual Plans
  • Group Plans

Why choose this provider?

Golden Benchmark caters to Union City and provides insurance policies including health, general liability and property, management liability, workers’ compensation, and employee benefits. Its individual health insurance covers medical expenses, hospitalization charges, costs of surgery, room, laboratory tests, and doctor’s fees. Critical illness can also be covered, and immediate family members may be included. It also provides group health insurance which offers uniform coverage for each individual. Golden Benchmark has been providing services for more than three decades.

License Verified:

License: 0D06566

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 (6)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
39510 Paseo Padre Parkway, Suite 240, Fremont, CA 94538
  • Individual Plans
  • Group Plans

Why choose this provider?

Multichoice Insurance Services (MCIS) is one of the largest Visitor Insurance agencies in the United States providing quality protection for hundreds of individuals, families, and businesses worldwide. Our forte is in providing quality services like Visitor Insurance (also known as Travel Medical Insurance), Student Insurance & Expatriate Insurance. We believe in providing superior customer service and lowest premium, with our ability to understand our customer’s coverage needs which drives the success of our insurance agency. By offering world-class plans for Visitor Insurance, we make sure that you are always protected under the insurance umbrella so that you can focus on what is important to you and your family. Our job is to assist you in identifying your healthcare insurance needs and problems while putting together a plan that's simple and easy to understand. We take care of all your insurance needs so that you can look forward to a secure future. To do this we evaluate your specific needs, find the best plan that will give you complete protection and peace of mind. The companies we represent have an outstanding reputation for fast, fair claims service and offer reliable insurance products and excellent customer service.

License Verified:

License: 0G33251

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 (5)
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
32145 Alvarado Niles Rd, Suite 205, Union City, CA 94587
  • Health Insurance

Why choose this provider?

Hera Tong Gutierrez is a State Farm insurance agent that serves businesses and families in the Union City community. Hera provides flexible health insurance options suited to the needs of each client, helping policyholders understand the types of coverage that address their goals. She offers Medicare supplement, supplemental health, and medical expense plans. In addition, this insurance agent also handles risk management solutions for homeowners and businesses. Hera is the founder of the Asian Business Alliance.

License Verified:

License: 6002814

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 (64)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
35463 Dumbarton Ct, Newark, CA 94560
  • Individual Plans
  • Group Plans
  • Individual Health Insurance

Why choose this provider?

Serving Union City and the surrounding communities, Onshore Kare offers comprehensive health insurance plans befitting a client’s needs and requirements. These include plans for hospitalization, maternity and childcare, and mental health and rehabilitation treatments. Insurance coverage policies for parents, students, guests, and travelers are also available through the company. The business provides 24/7 online medical advice through its Doctor Now Service. The owners established Onshore Kare to help Indian Diaspora through medical services like preventive care.

License Verified:

License: 0M14328

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.
3.9
Google
3.9 / 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.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
38750 Paseo Padre Parkway Suite B2, Fremont, CA 94536
  • Individual Health Insurance

Why choose this provider?

SDMI Insurance and Financial Services serves individuals and business owners in Union City and surrounding communities. The firm walks clients through various health insurance plans, including indemnity plans, managed care options, and government-sponsored health insurance, that provide benefits for a broad range of healthcare services, including routine doctor visits, prescription drugs, preventative care, and hospital stays. It also offers health plans to businesses that wish to provide health insurance to their employees. The firm also provides life insurance and retirement planning.

License Verified:

License: 0813543

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 (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.
5.0
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.