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Best Health Insurance Agencies in Centennial

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2023
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Associates Health Group, LLC logo
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License Verified:

License: 246745

Colorado Department of Regulatory Agencies, Division of Insurance

Associates Health Group, LLC

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333 West Hampden Avenue, Sheridan, CO 80110
  • Health Insurance

Business Description

Established in 2005, Associates Health Group, LLC, is a health insurance brokerage firm serving clients in Centennial and throughout Colorado. With more than three decades of industry experience, it offers individual health insurance with coverages such as dental plans and short-term health insurance. The company also provides and manages employee benefits for small businesses. Associates Health Group works with providers such as Guardian, Bright Health, and Cigna. It is a member of Kaiser Summit Club, United Healthcare Palladium, and Humana Leader Club.

License Verified:

License: 246745

Colorado Department of Regulatory Agencies, Division 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
Design Health logo
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License Verified:

License: 301399

Colorado Department of Regulatory Agencies, Division of Insurance

Design Health

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10700 East Geddes Ave Suite #150, Englewood, CO 80112
  • Individual Plans
  • Health Insurance
  • Medicare

Business Description

Design Health is an insurance company that assists clients in the Centennial metro. It provides health insurance policies to individuals and families, including Medicare Advantage, Medigap, and Medicare Part D prescription plans. In addition, it offers employee health benefit plans for small to large group companies. Since 2008, Design Health has been serving various industries, such as technology, transportation, and nonprofits. Its president and co-founder, Josiah Allis, was instrumental in establishing the Small Business Healthcare Relief Act in December 2016.

License Verified:

License: 301399

Colorado Department of Regulatory Agencies, Division 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
Integrity Health Advisors logo
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License Verified:

License: 276277

Colorado Department of Regulatory Agencies, Division of Insurance

Integrity Health Advisors

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6855 S Havana ST #350, Centennial, CO 80112
  • Health Insurance
  • Medicare

Business Description

Integrity Health Advisors is an independent agency serving Centennial clients. It offers health insurance policies, specializing in Medicare plans. The agency provides Medicare Supplement and Advantage plans and Medicare Part D or prescription drug coverage. In addition, clients can avail themselves of a special needs plan to cover specific diseases and health care needs. Integrity Health Advisors is headed by Shane Thomas, who has been in the insurance industry since 2006. Shane provides training, support, and tools to agents.

License Verified:

License: 276277

Colorado Department of Regulatory Agencies, Division 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 (49)

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
Kelly Burns logo
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License Verified:

License: 422941

Colorado Department of Regulatory Agencies, Division of Insurance

Kelly Burns

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6909 S Holly Cir, Unit 320, Centennial, CO 80112
  • Health Insurance

Business Description

Kelly Burns is a State Farm insurance agent serving the insurance needs of customers based in Centennial. As a health insurance advisor, he helps clients discover the appropriate health coverage available to meet the needs of families, individuals, and elderly adults. He offers a supplemental type of health insurance that covers costs of additional medical care and hospital stays, such as unexpected child care, extra transportation, outpatient surgery, and emergency room visits. Individual health, short, and long-term disability insurance plans are likewise available.

License Verified:

License: 422941

Colorado Department of Regulatory Agencies, Division 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 (199)
Facebook
5.0 / 5 (33)
Yelp
5.0 / 5 (1)
Kirsch Insurance Group logo
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License Verified:

License: 189206

Colorado Department of Regulatory Agencies, Division of Insurance

Kirsch Insurance Group

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12625 East Euclid Drive, Centennial, CO 80111
  • Health Insurance

Business Description

Kirsch Insurance Group is an independent insurance agency that has been serving the residents of Centennial and the rest of Colorado for almost three decades. It offers various health insurance plans, including Medicare advantage insurance, Medicare supplement insurance, and Medicare Part D insurance. The company works with a wide variety of insurance companies, such as Anthem Blue Cross Blue Shield, UnitedHealthcare, and Humana. Kirsch Insurance Group is an Official Facilitator for the Medicare Rights Center.

License Verified:

License: 189206

Colorado Department of Regulatory Agencies, Division 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 (20)

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
Lowdermilk & Associates, Inc. logo
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License Verified:

License: 125569

Colorado Department of Regulatory Agencies, Division of Insurance

Lowdermilk & Associates, Inc.

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5600 Greenwood Plaza Boulevard, Greenwood Village, CO 80111
  • Individual Plans
  • Life Insurance

Business Description

Lowdermilk & Associates, Inc., has been providing insurance solutions for employers and individuals in Centennial for more than 25 years. It specializes in developing executive and employee benefit programs with a focus on health insurance plans. It collaborates with its clients to research and customize healthcare options to create a benefits package that attracts and retains employees. The agency is affiliated with the National Association of Health Underwriters and the Colorado State Association of Health Underwriters.

License Verified:

License: 125569

Colorado Department of Regulatory Agencies, Division 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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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Niederman Insurance Agency logo
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License Verified:

License: 262993

Colorado Department of Regulatory Agencies, Division of Insurance

Niederman Insurance Agency

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1745 Shea Center Drive 4th Floor, Highlands Ranch, CO 80129
  • Health Insurance

Business Description

Niederman Insurance Agency is an independent firm that has been serving families and business owners in Centennial since 2012. It offers health insurance for individuals and groups that include coverage for long-term care, dental, life, and vision. In addition, the agency assists with ancillary employee benefits, such as travel and accident insurance. Its agents conduct assessments to help clients specify insurance needs and find the right plan. Niederman Insurance Agency represents multiple carriers, including Humana, Companion Life, and Cigna.

License Verified:

License: 262993

Colorado Department of Regulatory Agencies, Division 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 (68)
Facebook
4.8 / 5 (36)
Yelp
5.0 / 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.
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.