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Best Health Insurance Agencies in Roswell

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DM Insurance logo
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License Verified:

License: 110816

Georgia office of Insurance and Safety Fire Commissioner

DM Insurance

1875 Old Alabama Rd Suite 810, Roswell, GA 30076
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  • Individual Health Insurance
  • Dental and Vision Insurance

Business Description

DM Insurance has been serving individuals, families, and businesses in Roswell and nearby areas since 2004. It offers individual and group health insurance options, covering disability, dental, vision, and long-term care. It also has life insurance policies and risk management solutions for automobiles, boats, condominiums, homes, pets, and business liabilities. DM Insurance is headed by Ray Risner, who has been a property and casualty agent for 14 years after serving in the business industry for 30 years.

License Verified:

License: 110816

Georgia office of Insurance and Safety Fire Commissioner

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
4.5 / 5 (16)
Facebook
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Milt Epstein logo
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License Verified:

License: 102147

Georgia office of Insurance and Safety Fire Commissioner

Milt Epstein

3950 Cobb Parkway North, Acworth, GA 30101
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  • Individual Plans

Business Description

Milt Epstein is a State Farm health insurance agent serving the Roswell area. He helps clients obtain health insurance coverages for their specific needs, with access to various insurers and products. He also offers services and coverages on auto insurance, home insurance, life insurance, and property insurance. Milt Epstein has been providing insurance products for over 40 years and has qualified for several State Farm awards, including the Crystal Excellence, Golden Triangle, Silver Scroll, and Life Travel awards.

License Verified:

License: 102147

Georgia office of Insurance and Safety Fire Commissioner

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
Google
4.8 / 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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Phil Wood Insurance logo
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License Verified:

License: 70963

Georgia office of Insurance and Safety Fire Commissioner

Phil Wood Insurance

7450 Highway 92, Woodstock, GA 30189
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  • Individual Plans

Business Description

Phil Wood Insurance is a full-service insurance company that provides health insurance plans for the residents of Roswell. Active for over 37 years, it offers standardized and customized policies from 30 different insurance carriers. The company interviews each client to find a plan with suitable deductibles, contract duration, and coinsurance payment. The firm's agents also provide temporary and long-term care for groups, such as businesses and professional organizations. Phil Wood Insurance's other plans include pet, auto, and life insurance.

License Verified:

License: 70963

Georgia office of Insurance and Safety Fire Commissioner

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 (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
Puckett Insurance Agency logo
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License Verified:

License: 79407

Georgia office of Insurance and Safety Fire Commissioner

Puckett Insurance Agency

1195 Grimes Bridge Rd. Ste 1, Roswell, GA 30075
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  • Individual Health Insurance
  • Medicare Supplement Insurance
  • Long Term Care

Business Description

Puckett Insurance Agency, based in Roswell, serves clients throughout the metro and its neighboring cities. It offers a comprehensive range of insurance solutions, including individual health insurance plans. It provides FFS, HMO, PPO, and POS health insurance options, assisting clients in sorting coverage options and selecting the right plan for their needs. It carries insurance plans from multiple providers and offers individual disability, dental, and life insurance plans. Puckett Insurance Agency is also licensed in North Carolina, South Carolina, and Florida.

License Verified:

License: 79407

Georgia office of Insurance and Safety Fire Commissioner

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
The Rousell Agency logo
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License Verified:

License: 392718

Georgia office of Insurance and Safety Fire Commissioner

The Rousell Agency

P.O Box 55, Acworth, GA 30101
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  • Individual Plans
  • Life Insurance

Business Description

The Rousell Agency provides assistance to individuals and businesses looking for insurance services in the Roswell metro. It offers insurance plans such as health, life, home, auto, and business insurance. The company also aids with hard-to-place coverage options including commercial general liability, commercial fleet, commercial auto, nightclubs and music clubs, long-haul trucking, and restaurants. The Rousell Agency’s owner, Don Rousell, has over 30 years of professional experience in the insurance industry.

License Verified:

License: 392718

Georgia office of Insurance and Safety Fire Commissioner

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
Trey Gil logo
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License Verified:

License: 572898

Georgia office of Insurance and Safety Fire Commissioner

Trey Gil

500 Sun Valley Dr Ste B3, Roswell, GA 30076
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  • Life Insurance

Business Description

Trey Gil is an insurance agent at State Farm who serves individuals and commercial clients in Roswell. He provides health insurance products that cover supplemental health, individual medical coverage, Medicare Supplement plans, and disability paycheck insurance. His agency also has insurance options for automobiles, homes, businesses, and personal properties. In addition, Gil's team provides notary public, banking, and mutual funds services. The agent has been in the industry for over 20 years.

License Verified:

License: 572898

Georgia office of Insurance and Safety Fire Commissioner

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 (81)
Facebook
5.0 / 5 (4)
Yelp
5.0 / 5 (1)
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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