Expertise.com

Best Health Insurance Agencies in Ventura

Laurels
Laurels

We did the research for you!

Learn more
  • checkboxLicensing
  • checkboxUser Reviews
  • checkboxMystery Shopping Calls

Health Insurance Agencies FAQs

Learn more
American Legacy Solutions logo
Visit WebsiteWebsite

License Verified:

License: 0M28275

California Department of Insurance

American Legacy Solutions

5808 Telephone Rd, #200, Ventura, CA 93003
Visit WebsiteWebsite
  • Individual Health Insurance
  • Medicare

Business Description

American Legacy Solutions is a full-service insurance and investment management company serving the Ventura metro. The company offers consolidated services in estate planning, debt management, and long-term care preparations to help clients with the different phases and concerns of their life. They assist clients in understanding their Medicare coverage, finding insurance products for companies, and securing comprehensive health coverage that fits the needs of veterans. American Legacy Solutions has multiple offices across Southern California including Ventura, Valencia, and Norco.

License Verified:

License: 0M28275

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.
4.9
Facebook
5.0 / 5 (52)
Google
3.5 / 5 (4)
Yelp
5.0 / 5 (2)
Armen Keshmeshian logo
Visit WebsiteWebsite

License Verified:

License: 4020620

California Department of Insurance

Armen Keshmeshian

9493 Telephone Road Suite 101, Ventura, CA 93004
Visit WebsiteWebsite
  • Life Insurance
  • Individual Health Insurance

Business Description

Armen Keshmeshian is a State Farm agent who handles the insurance needs of individuals, families, and small businesses in the Ventura area. Keshmeshian offers different types of health insurance products, including Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO). He also provides clients with Point of Service (POS) and High Deductible Health Plans (HDHP). Keshmeshian, who has been living in Ventura for decades, has experience working in the world of small businesses prior to establishing his own insurance agency.

License Verified:

License: 4020620

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 (14)
Yelp
5.0 / 5 (2)
Coast General Insurance Brokers logo
Visit WebsiteWebsite

License Verified:

License: 0F60642

California Department of Insurance

Coast General Insurance Brokers

2775 N. Ventura Rd. Ste 209, Oxnard, CA 93036
Visit WebsiteWebsite
  • Individual Plans
  • Group Plans
  • Life Insurance

Business Description

Coast General Insurance Brokers is an independent agency that serves individuals and businesses in Ventura and the surrounding locations. It offers group medical, vision, and dental plans, in addition to home, auto, and life insurance policies. Its agents regularly review clients' policies to check whether their coverage is aligned with their current needs, and they provide assistance for clients with insurance claims. They also furnish protection plans for businesses in the trucking, food service, and legal industries.

License Verified:

License: 0F60642

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 (13)
Google
5.0 / 5 (3)
Yelp
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
––
Dena Rogers logo
Visit WebsiteWebsite

License Verified:

License: 0804331

California Department of Insurance

Dena Rogers

970 S. Petit Ave Ste 14, Ventura, CA 93004
Visit WebsiteWebsite
  • Health Insurance

Business Description

Dena Rogers is a State Farm insurance agent that serves individuals in the Ventura area. She offers a range of insurance products such as health, home, property, business, and life, as well as pet insurance. She has been a State Farm agent since 1991. Rogers is also a volunteer at Little League District 63 and a member of the Ventura Chamber of Commerce. With years of experience, she can tailor insurance plans that fit clients' specific needs.

License Verified:

License: 0804331

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.
4.9
Google
5.0 / 5 (57)
Facebook
4.7 / 5 (25)
Yelp
5.0 / 5 (13)

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
––
Denise Bishop Insurance Agency logo
Visit WebsiteWebsite

License Verified:

License: 0C92552

California Department of Insurance

Denise Bishop Insurance Agency

PO Box 6307, Ventura, CA 93006
Visit WebsiteWebsite
  • Individual Health Insurance

Business Description

Denise Bishop Insurance Agency helps clients in Ventura get suitable health care coverages. Bishop is a Covered California Certified Insurance Agent who reviews individuals' insurance needs and provides assistance in determining their qualification for health insurance premiums through the Covered CA program. The agency helps clients obtain policies from Blue Shield of California and Health Net. It also offers auto and home insurance packages from carriers like Metlife and National general. In addition, it furnishes earthquake, recreational, Uber or Lyft drivers, and landlord insurance products.

License Verified:

License: 0C92552

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 (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
Fairway Health Insurance Services logo
Visit WebsiteWebsite

License Verified:

License: 0632562

California Department of Insurance

Fairway Health Insurance Services

255 Maple Court Ste 205, Ventura, CA 93003
Visit WebsiteWebsite
  • Individual Health Insurance
  • Group Plans

Business Description

For more than 20 years, Fairway Health Insurance Services has been serving individuals and families throughout Ventura. It helps clients protect themselves in case they get sick or injured by providing them with a wide range of health insurance policies, including Medicare Supplements, Advantage Care, Medicare part D, and employer group and individual and family health plans. Fairway Health Insurance Services partners with companies like Anthem, Blue Shield of California, and Kaiser Permanente to find the coverage that suits its customers' needs.

License Verified:

License: 0632562

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 (1)
Yelp
5.0 / 5 (1)
Insurance Happiness logo
Visit WebsiteWebsite

License Verified:

License: 6006110

California Department of Insurance

Insurance Happiness

Oxnard, CA
Visit WebsiteWebsite
  • Individual Plans
  • Group Plans

Business Description

Insurance Happiness helps individuals and companies in Ventura find suitable health policies. It informs clients on how to get the most out of Medicare by advising them to enroll in Medicare part A or part B and filling the gaps by signing up for a supplement plan. Its agents also assist in obtaining Medicare Advantage, educating customers on how the plan benefits enrolees. The agency also offers individual health and employee benefit plans. Insurance Happiness also caters to clients in Florida.

License Verified:

License: 6006110

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 (4)
Yelp
5.0 / 5 (4)
John Avdeeff logo
Visit WebsiteWebsite

License Verified:

License: 0D76397

California Department of Insurance

John Avdeeff

Ojai, CA 93024
Visit WebsiteWebsite
  • Life Insurance
  • Individual Health Insurance

Business Description

John Avdeeff is a HealthMarkets licensed insurance agent in Ventura, helping clients find suitable individual, family, or short-term plans for their needs. He aids clients in choosing the suitable life insurance and in the availing of a final expense insurance. John also provides guidance on supplemental insurance, which covers plans for accidents, hospital confinement, critical illness and cancer, long-term care, and fixed indemnity. The agent also assists with medicare advantage and its supplement and prescription drug plans.

License Verified:

License: 0D76397

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
3.8 / 5 (98)

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
––
Los Agentes 805 logo
Visit WebsiteWebsite

License Verified:

License: 0K62185

California Department of Insurance

Los Agentes 805

343 South B Street, Oxnard, CA 93030
Visit WebsiteWebsite
  • Health Insurance

Business Description

Los Agentes 805 offers comprehensive insurance services to clients in Ventura and the surrounding communities. The business specializes in presenting health insurance coverage intended to help protect clients from expenses incurred in accidents and illnesses. It also provides Medicare Part A, B, C, and D, in addition to dental, vision, and life plans. Its founders, Brenda and Ignacio Bucio, aim to help clients find the option that meets their needs. Los Agentes 805 has received various awards, including the 2019 Annual Sales award from the Anthem 100 Club.

License Verified:

License: 0K62185

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
4.2 / 5 (23)

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
Salena Bracamontes logo
Visit WebsiteWebsite

License Verified:

License: 6001153

California Department of Insurance

Salena Bracamontes

10235 Telephone Rd Ste D, Ventura, CA 93004
Visit WebsiteWebsite
  • Medicare Supplements
  • Health Insurance

Business Description

Salena Bracamontes is an insurance professional serving clients for 19 years. She runs a State Farm-affiliated agency located in Ventura. Her firm provides a wide range of personal and commercial insurance products, including health protection plans. Bracamontes and her team help families, individuals, and senior citizens find the health coverage that matches their needs. The health plans they offer are supplemental health insurance, Medicare supplement insurance, and individual medical coverage. Life insurance is also available for clients.

License Verified:

License: 6001153

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.
4.9
Google
4.9 / 5 (208)
Facebook
4.9 / 5 (42)
Yelp
5.0 / 5 (17)

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
Stephanie Sipe logo
Visit WebsiteWebsite

License Verified:

License: 0K97789

California Department of Insurance

Stephanie Sipe

7880 Telegraph Road Suite C, Ventura, CA 93004
Visit WebsiteWebsite
  • Health Insurance

Business Description

Stephanie Sipe provides health insurance products in Ventura. She assists clients in identifying coverages that will help them deal with their wellness and possible illnesses or injuries. Her agency offers other life options, pet, auto, home, property, and business indemnity policies. In addition, her team also caters to individuals who need banking assistance. Sipe, who speaks English and Spanish, started as a workers' insurance claims handler for State Farm in 2000. In 2017, she decided to open her agency.

License Verified:

License: 0K97789

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
4.9 / 5 (30)
Facebook
5.0 / 5 (14)
Yelp
5.0 / 5 (11)

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
Torres & Associates logo
Visit WebsiteWebsite

License Verified:

License: 0E61982

California Department of Insurance

Torres & Associates

2069 N Oxnard Boulevard, Oxnard, CA 93036
Visit WebsiteWebsite
  • Individual Plans
  • Individual Health Insurance
  • Dental and Vision Insurance

Business Description

Torres & Associates is an independent insurance agency that has been serving the people of Ventura for the past 41 years. It offers health insurance, as well as life, business, home, and personal insurance policies. The agency provides Medigap or Medicare Advantage plans, which provide equal or better coverage to regular Medicare. This is possible through third-party insurers. It also offers individual dental, disability, and long-term care insurance. The company provides comparative quotes from different carriers to help clients select the best rate for them.

License Verified:

License: 0E61982

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
4.4 / 5 (28)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Back to Providers

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