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Best Health Insurance Agencies in Highlands Ranch

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Jodi Stoker logo
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License Verified:

License: 281247

Colorado Department of Regulatory Agencies, Division of Insurance

Jodi Stoker

8796 S Colorado Blvd, Unit C, Highlands Ranch, CO 80126
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  • Medicare Supplements
  • Health Insurance
  • Life Insurance

Business Description

Jodi Stoker is a State Farm insurance agent who has been serving clients in Highlands Ranch for over 16 years. She offers unique health insurance solutions based on the need of each customer, including medical coverage plans, supplemental health coverage, and Medicare supplement options. Her team assists the local community, taking care of personal and commercial insurance and financial needs for U.S. Bank services. Jodi's office is pet-friendly. She is a member of the Highlands Ranch Chamber of Commerce.

License Verified:

License: 281247

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 (22)
Facebook
5.0 / 5 (3)
Yelp
5.0 / 5 (1)
Laura Leier logo
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License Verified:

License: 372440

Colorado Department of Regulatory Agencies, Division of Insurance

Laura Leier

66 Springer Drive Ste 206, Highlands Ranch, CO 80129
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  • Medicare Supplements

Business Description

Laura Leier is an insurance agent with State Farm serving personal and commercial clients in Highlands Ranch. She assists in finding health insurance policies that include coverage for individual medical expenses, supplemental health, Medicare Supplement, and disability paycheck. In addition to offering a wide range of insurance products, her team helps clients with seamless state-to-state transfers and financial needs for banking, annuities, and mutual funds. Laura gives back to the community as an Arapahoe County victim advocate volunteer.

License Verified:

License: 372440

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.
4.8
Google
4.9 / 5 (18)
Facebook
5.0 / 5 (4)
Yelp
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
Randy E Johnson logo
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License Verified:

License: 29973

Colorado Department of Regulatory Agencies, Division of Insurance

Randy E Johnson

8925 Ridgeline Blvd, Suite 101, Highlands Ranch, CO 80129
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  • Life Insurance
  • Health Insurance

Business Description

Randy E Johnson is a State Farm insurance agent that has been serving clients in Highlands Ranch since 1986. He offers various health insurance plans that are adjusted depending on the need of each client. He provides coverage for disability paycheck, Medicare supplements, and medical expenses. Randy also has homeowners, auto, business, and life insurance. He assists with out-of-state transfers, banking, and annuities. Randy's agency has been recognized by the 5280 Magazine as a Five Star Professional for 2020.

License Verified:

License: 29973

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.
4.4
Google
4.6 / 5 (26)
Yelp
3.0 / 5 (4)

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
––
The Big 65 logo
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License Verified:

License: 510512

Colorado Department of Regulatory Agencies, Division of Insurance

The Big 65

6761 Millstone Place, Highlands Ranch, CO 80130
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  • Life Insurance
  • Health Insurance
  • Long Term Care

Business Description

The Big 65 helps its clients in and around Highlands Ranch choose the insurance plans for their needs. This company offers several insurance products, which cover life, dental, and hospital indemnity. It also offers health-related plans, such as long-term care, MediGap, Medicare Advantage, and Medicare prescription drug plans. The Big 65's owner and senior adviser, Karl Bruns-Kyler, has been assisting individuals and businesses in shopping for insurance for more than 16 years.

License Verified:

License: 510512

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 (168)

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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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.

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