Expertise.com

Best Health Insurance Agencies in Miami

2023

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Website
279 Northwest 58th Street, Miami, FL 33127
  • Individual Plans
  • Group Plans

Why choose this provider?

Emergent Insurance Agency is an independent health insurance brokerage that serves residents and businesses in Miami. It offers a range of risk management solutions, including Medicare Supplement plans, Obamacare, Medicare Advantage, and short-term medical care. Additionally, Emergent Insurance Agency provides coverage for dental, vision, accidents, and critical illnesses. Its founder and CEO, Darline Candio, has an MBA and a Master's degree in Epidemiology. She is also a member of America's Health Insurance Plans and the National Association of Health Underwriters.

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 (28)

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
80 Southwest 8th Street, Miami, FL 33130
  • Individual Plans
  • Life Insurance

Why choose this provider?

Docktor's Insurance is an independent insurance agency that provides life and health insurance policies for clients in Miami. It compares quotes from over 50 different insurance carriers regarding individual, family, and group-based health plans. The agency can customize plans to cover short-term medical concerns, dental health, and international travel. It also explains the benefits of short-term medical policies, from optional preventative care to 12-month maximum coverages. Docktor's Insurance uses web conference tools to meet with clients, answer their concerns, and explain policy details.

License Verified:

License: L016811

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.
4.8
Facebook
5.0 / 5 (13)
Yelp
4.0 / 5 (4)
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
8343 Biscayne Boulevard, Miami, FL 33138
  • Individual Plans
  • Market Place

Why choose this provider?

HealthNest Insurance Services is an insurance agency that provides Medicare plans to individuals in Miami. The company has extensive knowledge of Medicare that they have acquired over the years and is dedicated to educating potential and current customers about the industry. The firm aims to make decision-making easy while keeping clients well-informed. The company is also open to answering questions and creating personalized programs. HealthNest Insurance Services represents its buyers and ensures that they receive a suitable plan.

License Verified:

License: L103620

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 (6)

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.
4.5
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.