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Best Health Insurance Agencies in Union City

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Bay Area Health Insurance Marketing, Inc. logo
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License Verified:

License: 0C60215

California Department of Insurance

Bay Area Health Insurance Marketing, Inc.

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

Business Description

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.
4.1
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
Golden Benchmark logo
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License Verified:

License: 0D06566

California Department of Insurance

Golden Benchmark

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

Business Description

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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Hera Tong Gutierrez logo
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License Verified:

License: 6002814

California Department of Insurance

Hera Tong Gutierrez

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

Business Description

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.
4.8
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
Multichoice Insurance Services logo
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License Verified:

License: 0G33251

California Department of Insurance

Multichoice Insurance Services

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

Business Description

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Onshore Kare logo
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License Verified:

License: 0M14328

California Department of Insurance

Onshore Kare

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

Business Description

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
SDMI Insurance and Financial Services logo
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License Verified:

License: 0813543

California Department of Insurance

SDMI Insurance and Financial Services

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

Business Description

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

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
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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.

Does health insurance cover therapy? 

All Marketplace plans must cover behavioral health care services, including counseling, inpatient care, and substance abuse treatments. However, there are coverage limits, and preauthorization may be required.

What is a copay?

A copay is a fixed price that you pay at the time of service after your deductible is satisfied. Insurance companies set specific rates for primary and specialty care and other services, such as emergency room visits and X-rays. Alternatively, plans may have coinsurance rates that require beneficiaries to pay a certain percentage of covered charges.

What is the Health Insurance Marketplace?

The Health Insurance Marketplace is a federal service designed to help consumers compare and purchase subsidized health insurance plans that comply with the Affordable Care Act. A number of states operate their own insurance marketplaces, including California, Colorado, New York, and Pennsylvania.

How can you find health insurance without a job?

Individuals who don't have access to health insurance through their job can purchase ACA-compliant plans through the Health Insurance Marketplace. Off-exchange plans are also available through private insurers and independent agents. The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives certain individuals who are losing their coverage the right to maintain the same plan for a limited time period. 

Can you cancel health insurance at any time? 

Consumers can cancel their health coverage at any time. Cancellations may be effective immediately or at a specified date. However, you must wait until Open Enrollment to sign up for a new plan unless you qualify for a Special Enrollment period.

Can you have more than one health insurance policy?

It's possible to have primary and secondary health insurance. This is most common with Medicare and Medicaid beneficiaries, including dual enrollees and individuals who purchase supplemental plans. Secondary plans can cover some additional expenses, but you're still responsible for premiums and deductibles.

Is health insurance pretax?

Premiums for employer-sponsored health plans are generally deducted from the worker's pretax income. The same is true for voluntary contributions made to Flexible Spending Accounts and Health Savings Accounts that are paired with a qualifying high-deductible health plan.

How long can a child stay on a parent\'s health insurance policy?

Children can stay on their parents' health insurance plan until their 26th birthday. There's a 60-day special enrollment period following this date. Exemptions allow disabled adult children to remain on their parents' policy beyond this age.

Do you have to pay a health insurance deductible upfront?

In most cases, out-of-pocket expenses for approved services count toward your deductible. However, it's increasingly common for hospitals to request all or part of the deductible upfront when scheduling major services, such as CT scans and surgeries.

Do employers have to offer health insurance?

The Affordable Care Act requires companies with at least 50 full-time employees to make essential health benefits available to 95% of their workforce. Companies that choose not to offer such benefits may have to pay a penalty.

Is there a tax credit for having health insurance?

The Advance Premium Tax Credit is a federal tax rebate designed to lower the cost of health insurance plans purchased through the Marketplace. Eligibility is based on income and household size. Consumers can decide how much of their tax credit to put toward their premiums.

Read all FAQs