Expertise.com

2024

Last updated:

Best Health Insurance Agencies in Waterbury

Our Recommended Top 7

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Waterbury Health Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

2078Reviewed

1249Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
1325 East Main Street, Waterbury, CT 06705
  • Health Insurance

Why choose this provider?

Grand Folder LLC is an independent agency that offers insurance services for customers in Waterbury. As part of its personal financial solutions, it provides individual disability insurance, long-term care coverage, and assistance in Medicare and the Affordable Care Act. The company has built connections with American Modern, SureBridge, and UnitedHealthOne. Grand Folder is staffed by professionals who can speak Spanish, enabling them to attend to clients with Hispanic cultural backgrounds.

License Verified:

License: 2548435

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 (5)
Google
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
P.O. Box 986 472 Boston Post Road, Orange, CT 06477
  • Life Insurance
  • Health Insurance
  • Long Term Care

Why choose this provider?

Cretella & Belowsky Insurance is an independent agency that offers multiple lines of insurance, including health and welfare policies. With offices in Madison and Orange, the agency serves clients from Waterbury and other communities within the state. Its health insurance products include coverages for short-term medical plans, accident-only plans, disability plans, long-term care, and admin plans. It also offers a choice between individualized and group coverages. Cretella & Belowsky Insurance's personal lines cover life insurance and retirement annuities.

License Verified:

License: 2359026

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

Website
656 Main Street, Watertown, CT 06795
  • Individual Plans
  • Life Insurance

Why choose this provider?

D'Amico Agency, Inc., is an independent agency serving clients in Waterbury. It offers health insurance policies such as health maintenance organization (HMO), exclusive provider organization (EPO), point of service (POS), and preferred provider organization (PPO). The company also provides products like life insurance, home insurance, and auto insurance. Its other available services include business coverage for general liability, workers’ compensation, and surety bonds. D'Amico Agency has been working with several insurance companies to deliver policy needs since 1965.

License Verified:

License: 187845

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 (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
––

Website
1520 Highland Avenue, Cheshire, CT 06410
  • Individual Plans
  • Life Insurance

Why choose this provider?

HUB International New England is an independent insurance agency that offers senior health insurance to Waterbury clients. It includes Medicare, Medicaid, Medicare Supplemental, and private insurance to supplement the limitations of Medicare insurance plans. Ion Insurance also provides homeowners' insurance, renters' insurance, auto insurance, disability insurance, and life insurance. For business owners, workers' compensation insurance, liability insurance, business owners' policy, and commercial property insurance are also available. Some of its carriers include Metlife, AmTrust North America, and National General Insurance.

License Verified:

License: 813250

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.
1.0
Google
1.0 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
11 Scovill Street, Waterbury, CT 06706
  • Individual Plans
  • Life Insurance

Why choose this provider?

Sundel & Milford Inc. is a locally operated independent insurance agency that has been serving Waterbury since 1949. It offers consumer-directed, fee-for-service, and managed care health insurance options to individuals. The plans typically cover medical, surgical, and hospital costs and may include dental, mental health, and prescription drugs expenses depending on the coverage. Its team of professionals also specializes in car, life, home, and umbrella insurance. The agency's process includes a complete analysis of insurance needs, designing a protection program, and choosing an insurance carrier for the claim.

License Verified:

License: 812200

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.
4.6
Google
4.6 / 5 (7)

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
206 North Main Street, Bristol, CT 06010
  • Life Insurance

Why choose this provider?

Starkweather and Sheply Insurance Brokerage Inc. provides insurance services to the Waterbury area. The agency caters to individuals and enterprises by fostering and delivering coverage solutions on enterprise insurance, business insurance, personal insurance, and employee insurance demands. They also provide programs on dental risk management, franchising, captive risk management, and collection protection that backs up any unique risks associated with collectibles. Since its opening in 1879, the agency has expanded its service area across Connecticut, Florida, Massachusetts, and Rhode Island.

License Verified:

License: 604910000

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.
4.0
Facebook
4.0 / 5 (10)

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
10 Main Street, Bristol, CT 06010
  • Life Insurance

Why choose this provider?

Tracy | Driscoll is an independent insurance agency that partners with diverse insurance carriers to deliver tailored insurance plans for customers in Waterbury and nearby locations. It comprises agents who focus on identifying the unique goals and needs of every customer. The team provides employer-sponsored health insurance plans that benefit businesses with two or more employees. The group benefits products include medical, ancillary, compliance, and retirement packages. Additionally, Tracy | Driscoll has health insurance for individuals and families, as well as Medicare plans.

License Verified:

License: 835400

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
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

FAQs

  • 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.

  • What are the primary health insurance options available to Waterbury residents?

    For those in Waterbury, three main health insurance options exist: consumer-directed, fee-for-service, and managed care. Consumer-directed plans emphasize individual control, complemented by a health fund for medical expenses. Fee-for-service plans offer flexibility in provider choice but operate on a pay-per-service model. Managed care, encompassing HMOs, PPOs, and POS plans, offers lower costs but limits treatment to networked physicians.

  • How can someone in Waterbury obtain health insurance outside the standard open enrollment via Access Health CT?

    In Waterbury, after the close of open enrollment, individuals can still secure health coverage through Access Health CT if they experience a "qualifying life event," initiating a "special enrollment period" (SEP). Events like substantial income loss or eligibility for new premium subsidies can also be granted a SEP. Once qualified, there's a 60-day window to select a plan. Alternatively, insurance can be directly acquired anytime from insurers or agents, but without premium subsidies.

  • What is the HUSKY Health program in Waterbury, and what does it cover?

    Waterbury residents can access HUSKY Health, Connecticut's public health program, catering to eligible individuals such as children, adults, elders, and pregnant women. Comprising Medicaid and the Children’s Health Insurance Program, its categories include HUSKY A to D, covering diverse groups. HUSKY provides extensive health benefits including doctor appointments, prescription meds, and dental care, usually at minimal to no cost.

  • How does HUSKY Health in Waterbury handle out-of-state and international emergency coverage?

    HUSKY Health covers genuine emergency care within the U.S., including Puerto Rico and related territories. However, providers and hospitals must register with HUSKY for payment. If billed, members in Waterbury should contact Member Engagement Services. Yet, non-emergencies or providers refusing registration would lead to the member bearing the costs. For international travel, HUSKY offers no coverage, suggesting travel health insurance instead.

  • Are short-term health insurance plans available in Waterbury?

    In Waterbury, short-term health insurance plans aren't available. Despite federal provisions in 2018 facilitating their purchase, Connecticut's stringent standards ensure insurance plans cover preexisting conditions and offer a broad range of benefits. These state-specific criteria deter insurers from offering short-term plans within the state. Residents must look for other compliant insurance options.

  • 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.

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