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Best Health Insurance Agencies in Miami Beach

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2023
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Butler Buckley & Deets logo
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License Verified:

License: L005057

Florida Division of Insurance Agent and Agency Services

Butler Buckley & Deets

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6161 Blue Lagoon Drive, Miami, FL 33126
  • Life Insurance

Business Description

Butler Buckley & Deets is an independent insurance agency that serves clients in Miami Beach. It offers group health insurance plans from several providers, such as American Bankers Insurance Company and Bridgefield Employers. The agency also covers other types of insurance products for homeowners, recreational vehicles, and general liability. Butler Buckley & Deets was established in 1910 as Newman & MacVeigh Insurance Agency. It has been serving the metro for 100 years, and is under the leadership of current president Raymond W. Butler III.

License Verified:

License: L005057

Florida Division of Insurance Agent and Agency Services

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
Google
4.0 / 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
Customers Rule logo
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License Verified:

License: L000465

Florida Division of Insurance Agent and Agency Services

Customers Rule

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1951 Northwest 7th Avenue, Miami, FL 33136
  • Life Insurance
  • Health Insurance

Business Description

Customers Rule is an independent firm providing insurance products and business consultancy services in Miami Beach and surrounding communities. It works with over 300 carriers and has access to various products including group health insurance with dental, disability, vision, and life plans. The firm also offers liability insurance products and business coverages. Consultancy services include risk, construction, and project management. Customers Rule has more than five decades of combined experience. It has assisted clients from the construction, real estate, technology, and financial sectors.

License Verified:

License: L000465

Florida Division of Insurance Agent and Agency Services

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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Emergent Insurance Agency logo
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License Verified:

License: L111994

Florida Division of Insurance Agent and Agency Services

Emergent Insurance Agency

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279 Northwest 58th Street, Miami, FL 33127
  • Health Insurance

Business Description

Emergent Insurance Agency is an independent company serving the Miami Beach metro. It caters to families, individuals, business owners, and independent contractors seeking assistance in acquiring health insurance plans. The company works with various carriers to provide personalized health insurance coverages suited to the clients' unique needs. Some of the insurance carriers include Prime Star, Aetna, and Molina Health Care. Founder and CEO Darline Candio is a member of the National Association of Health Underwriters and America's Health Insurance Plans.

License Verified:

License: L111994

Florida Division of Insurance Agent and Agency Services

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)

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
Life & Health Underwriter Inc. logo

License Verified:

License: L054868

Florida Division of Insurance Agent and Agency Services

Life & Health Underwriter Inc.

3227 Southwest 29th Street, Miami, FL 33133
  • Life Insurance
  • Health Insurance

Business Description

Life & Health Underwriter Inc. is an insurance agency headquartered in Miami Beach. The office offers tri-term medical insurance that covers eligible expenses for policyholders with pre-existing conditions 12 months after enrollment. It also has preventive care coverage that includes wellness checks for every member of the family. Additionally, it can cover doctor's visits and prescriptions. Moreover, Life & Health Underwriter Inc. provides short-term health plans that have supplemental accident benefits, premium flexibility, and nationwide network access.

License Verified:

License: L054868

Florida Division of Insurance Agent and Agency Services

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

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.