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Best Health Insurance Agencies in New Britain

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Benefit Horizons Corporation logo
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License Verified:

License: 992181

State of Connecticut Insurance Department

Benefit Horizons Corporation

85 Nutmeg Lane, Glastonbury, CT 06033
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  • Group Plans
  • Market Place
  • Life Insurance

Business Description

Established in 1995, Benefit Horizons Corporation is an insurance agency that serves individuals and businesses in New Britain. It offers health insurance policies as well as Medicare Advantage plans. It also provides dental, disability, life, long-term care, and vision insurance products. Some of the carriers this company works with are Aetna and Humana. Benefit Horizons Corporation caters to various markets, including automobile dealerships and law firms. Owner Jim Callahan is an insurance sales and marketing executive who also has a background in employee benefits.

License Verified:

License: 992181

State of Connecticut Insurance Department

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
Bernheimer Lincoln Insurance Group, Inc. logo
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License Verified:

License: 60870

State of Connecticut Insurance Department

Bernheimer Lincoln Insurance Group, Inc.

779 Farmington Avenue, West Hartford, CT 06119
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  • Individual Plans
  • Life Insurance

Business Description

Bernheimer Lincoln Insurance Group, Inc., is a risk management specialist that serves New Britain. It helps clients obtain different types of insurance policies, from health, home, and auto to life protection plans. The independent agents present coverage options from multiple carriers after analyzing clients' exposures and risks. Bernheimer Lincoln Insurance Group was founded in 1989 by Bruce Bernheimer, a Chartered Property Casualty Underwriter who has a background in finance and marketing and has two decades of insurance experience.

License Verified:

License: 60870

State of Connecticut Insurance Department

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 (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
––
C & A Insurance LLC logo
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C & A Insurance LLC

361 New Britain Road, Berlin, CT 06037
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  • Health Insurance

Business Description

C & A Insurance LLC is a family-run insurance agency that has been catering to the insurance needs of clients based in New Britain and nearby areas since 2008. Its insurance professionals are dedicated to assist clients in the complexity of insurance and help select the right plan that fits financial objectives. They provide health insurance policies that cover medical expenses. C & A Insurance LLC also has additional insurance products, such as business, homeowners', builder's risk, and automobile insurance plans.

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)

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
C.V. Mason & Company logo
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License Verified:

License: 538650

State of Connecticut Insurance Department

C.V. Mason & Company

254 Main Street, Bristol, CT 06010
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  • Individual Plans
  • Life Insurance

Business Description

C.V. Mason & Company is a family-owned insurance agency that provides services to individuals, families, and businesses in New Britain and the surrounding communities. The company helps protect clients from unexpected medical expenses by offering health insurance policies. It also offers other insurance products, such as auto, home, life, and property. C.V. Mason & Company has been in the business since 1883. It works with various insurance carriers, including Kemper, Quincy Mutual Group, Safeco Insurance, and The Hartford.

License Verified:

License: 538650

State of Connecticut Insurance Department

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 (17)
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
––
Deal Team logo
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License Verified:

License: 698920

State of Connecticut Insurance Department

Deal Team

760 Hopmeadow Street, Simsbury, CT 06070
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  • Life Insurance
  • Health Insurance

Business Description

Deal Team is a business broker and an insurance agency that serves clients in New Britain. It specializes in providing employee benefits that include dental, vision, and critical illness insurance. It also works with insurance companies to keep businesses compliant and their employees covered with various insurance products. Deal Team emphasizes the importance of confidentiality when providing business valuation and brokerage services to small- and mid-sized businesses. It has more than 35 years of industry experience.

License Verified:

License: 698920

State of Connecticut Insurance Department

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
Eilers Insurance Associates, LLC logo
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License Verified:

License: 1031962

State of Connecticut Insurance Department

Eilers Insurance Associates, LLC

6 Creamery Brook, East Granby, CT 06026
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  • Life Insurance

Business Description

Eilers Insurance Associates, LLC, specializes in health insurance packages for companies with 250 or fewer employees. It provides businesses in the New Britain area with health benefit options that include medical, dental, vision, partial self-funded programs, cafeteria plans, and HSAs. The firm represents over 30 national insurance carriers and helps employers choose the right program for their organizations, from HMO and PPO to POS plans. Eilers Insurance Associates principal agent broker, Kenneth Eilers, has been a licensed insurance broker since 1980.

License Verified:

License: 1031962

State of Connecticut Insurance Department

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
Jose Dominguez logo
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License Verified:

License: 002598167

State of Connecticut Insurance Department

Jose Dominguez

87 West Main Street, New Britain, CT 06051
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  • Life Insurance

Business Description

Jose Dominguez is a State Farm insurance agent that helps with health insurance policies in the New Britain area. His agency focuses on Medicare Supplement insurance, supplemental health insurance, individual medical coverage, and disability insurance. The disability insurance coverage includes both short-term and long-term disability insurance. He also specializes in auto insurance, business insurance, home insurance, life insurance, and property insurance. In addition, Jose also accepts clients seeking financial planning services such as banking assistance.

License Verified:

License: 002598167

State of Connecticut Insurance Department

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
4.0 / 5 (185)

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
––
Porter Financial Strategies logo
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License Verified:

License: 1026416

State of Connecticut Insurance Department

Porter Financial Strategies

300 Church Street, Yalesville, CT 06492
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  • Individual Plans
  • Life Insurance

Business Description

Porter Financial Strategies has been operating for over a quarter-century. It attends to the healthcare needs of clients in New Britain. Its insurance products include group medical and dental plans, as well as disability income insurance. Moreover, the firm offers long-term care insurance, fixed and variable annuities, executive benefit plans, key person insurance, and group life insurance. It also provides term, universal, survivorship, and ordinary life insurance. Porter Financial Strategies handles retirement and financial planning services as well.

License Verified:

License: 1026416

State of Connecticut Insurance Department

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
––
RDDK logo
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License Verified:

License: 459330

State of Connecticut Insurance Department

RDDK

50 Washington Street, Middletown, CT 06457
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  • Individual Plans
  • Life Insurance

Business Description

Rice, Davis, Daley and Krenz Inc. is an insurance agency that offers health insurance policy solutions in New Britain. Its packages include Medicare Advantage plans, Medicare Supplement plans, short-term medical insurance, and dental insurance. In addition, it assists with accident insurance, travel accident insurance, and disability coverage. Douglas R. Krenz is the president of RDDK. He has more than 35 years of experience in the insurance industry and is a third-generation owner of the agency. He is also a commercial pilot and an FAA Certified Flight Instructor.

License Verified:

License: 459330

State of Connecticut Insurance Department

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 (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
––
The Spaulding Insurance Agency logo
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The Spaulding Insurance Agency

133 Old Canal Way, Simsbury, CT 06089
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  • Individual Plans
  • Life Insurance

Business Description

Serving New Britain, The Spaulding Insurance Agency provides its services to individuals, families, and businesses in the area. It is an independent and full-service insurance company that compares and shops policies for its clients and is not limited to offering products from just one insurance carrier. It handles health insurance plans like dental coverage, health insurance on or off the exchange, vision coverage, small and large business plans, Medicare, and disability insurance. It also deals with annuity and long-term care plans.

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
Wellfleet logo
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License Verified:

License: 2387778

State of Connecticut Insurance Department

Wellfleet

1500 Main Street, Springfield, MA 01103
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  • Health Insurance

Business Description

Wellfleet, managed by Wellfleet Group, LLC, has been offering non-traditional health and accident insurance to clients in the New Britain area for more than 25 years. Since Drew DiGiorgio acquired CEO in 2015, it has been a part of the Berkshire Hathaway group. Coverage includes K-12 accidents, amateur sports, camps & clinics, and daycare & aftercare. Working with MedPro Group, Wellfleet is divided into four divisions: Wellfleet Student, Wellfleet Special Risk, Wellfleet Rx, and Wellfleet Workplace.

License Verified:

License: 2387778

State of Connecticut Insurance Department

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
––
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