Expertise.com

Best Health Insurance Agencies in Highlands Ranch

2023

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

Why choose this provider?

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
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Website
66 Springer Drive Ste 206, Highlands Ranch, CO 80129
  • Medicare Supplements

Why choose this provider?

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.
4.9
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

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

Why choose this provider?

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 (31)
Facebook
5.0 / 5 (4)
Yelp
5.0 / 5 (1)

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

Why choose this provider?

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.
3.8
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.