Expertise.com

Best Health Insurance Agencies in Honolulu

Laurels
2023
Laurels

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Advantage Insurance Services Inc. logo

Advantage Insurance Services Inc.

1580 Makaloa Street, Honolulu, HI 96814
  • Individual Plans

Business Description

Advantage Insurance Services Inc. is an insurance agency serving clients in Honolulu. It offers various insurance products, such as health insurance, employee benefits, Medicare, and temporary disability insurance. It represents different insurance providers, allowing its clients to choose from a wide selection of insurance plans. The company also gives back to the community during difficult times through its community pulse program. Since its launch a few years back, it has distributed essentials that helped hundreds of families in need.

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.
4.4
Facebook
4.3 / 5 (6)
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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Financial Benefits Insurance logo
Visit WebsiteWebsite

License Verified:

License: 376861

Hawaii Department of Commerce and Consumer Affairs

Financial Benefits Insurance

Visit WebsiteWebsite
1311 Kapiolani Boulevard, Honolulu, HI 96814
  • Life Insurance

Business Description

Financial Benefits Insurance is a health insurance company with three offices around Hawaii, including one located in Honolulu. It provides each customer with quotes from multiple insurance carriers such as Mutual of Omaha, Ohana Health Plan, and SilverScript. It can also modify existing plans to cover specific conditions like dental, vision, disability, and critical illnesses. The company was established in 2010 employs over 50 different insurance agents. It caters to Ilocano, Tagalog, Mandarin, and Cantonese-speaking customers.

License Verified:

License: 376861

Hawaii Department of Commerce and Consumer Affairs

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 (35)
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
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Detail
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Hawaii Medical Assurance Association logo
Visit WebsiteWebsite

License Verified:

License: 307003

Hawaii Department of Commerce and Consumer Affairs

Hawaii Medical Assurance Association

Visit WebsiteWebsite
737 Bishop Street, Honolulu, HI 96813
  • Individual Plans
  • Group Plans
  • Life Insurance

Business Description

Arnold Baptiste, Sr. founded Hawaii Medical Assurance Association in 1989 to provide health insurance solutions for businesses. This Honolulu-based insurance firm offers prescription and vision plan options and voluntary employee benefits, as well as health plans for small and large businesses. Moreover, Hawaii Medical Assurance Association is certified by NCQA for its wellness and health promotion. It is also a consistent recipient of Hawaii's Best award from 2015 to 2020 given by the Star Advertiser.

License Verified:

License: 307003

Hawaii Department of Commerce and Consumer Affairs

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.
3.9
Google
4.0 / 5 (19)
Facebook
3.0 / 5 (13)

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
Insurance Benefits Services logo
Visit WebsiteWebsite

License Verified:

License: 352288

Hawaii Department of Commerce and Consumer Affairs

Insurance Benefits Services

Visit WebsiteWebsite
1585 Kapiolani Boulevard, Honolulu, HI 96814
  • Life Insurance

Business Description

Insurance Benefits Services is an independent insurance agency that serves residents ad businesses in Honolulu. The full-service agency specializes in healthcare plans for Medicare beneficiaries, families, individuals, and small businesses. It also assists in setting up healthcare coverage for large groups, such as private and public companies, trade associations, membership groups, and the government. Insurance Benefits Services partners with national and local insurance providers to give clients a variety of insurance programs that meet their needs.

License Verified:

License: 352288

Hawaii Department of Commerce and Consumer Affairs

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 (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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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Mutual Underwriters logo
Visit WebsiteWebsite

License Verified:

License: 300615

Hawaii Department of Commerce and Consumer Affairs

Mutual Underwriters

Visit WebsiteWebsite
680 Iwilei Road, Honolulu, HI 96817
  • Group Plans
  • Life Insurance

Business Description

Founded in 1958, Mutual Underwriters is an insurance brokerage based in Honolulu. The full-service agency offers an array of risk management strategies, including life insurance and group and individual health plans, as well as profit sharing and pension planning assistance. Additionally, it provides coverage for personal investments, such as homes, automobiles, and fine arts. Operating in five locations across Honolulu, the brokerage also offers commercial insurance packages and provides clients with initial quotations and financial services.

License Verified:

License: 300615

Hawaii Department of Commerce and Consumer Affairs

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 (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
Premier Benefit Consultants logo
Visit WebsiteWebsite

License Verified:

License: 363800

Hawaii Department of Commerce and Consumer Affairs

Premier Benefit Consultants

Visit WebsiteWebsite
1221 Kapiolani Boulevard, Honolulu, HI 96814

Business Description

Premier Benefit Consultants is an independent insurance agency that specializes in health insurance, serving clients in Honolulu and the surrounding areas. The agency focuses on individuals, employers, and community groups that have existing plans or are transitioning to Medicare. Its insurance products include Medicare Advantage plans, Medicare Drug plans, and Medicare Supplement. It also offers dental and hospital indemnity plans. The agency partners with different insurance companies, such as Ohana Health Plan, United Healthcare, Humana, HMSA, and GTL.

License Verified:

License: 363800

Hawaii Department of Commerce and Consumer Affairs

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 (16)
Google
5.0 / 5 (3)
Facebook
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

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.