Expertise.com

2024

Last updated:

Best Health Insurance Agencies in Des Moines

Our Recommended Top 10

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 Des Moines 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.

3707Reviewed

2228Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

974 73rd Street, West Des Moines, IA 50265
WebsiteLicense: 8580865
Website

Expertise.com Rating

Review Sources

Google
5.0 (57)
Facebook
5.0 (6)

Why choose this provider?

AKP Health Insurance is a health insurance brokerage that serves clients in the Des Moines area. It offers customized consultations that help Iowans shop for health insurance options that fit their needs. It also offers vision insurance policies that cover LASIK eye discounts, eye exams, and glasses protection. Its dental packages usually include preventive and maintenance treatments and teeth cleanings. Its agent, Aaron Peterson, has been in the industry for over 15 years. He specializes in business and individual insurance plans.

  • Life Insurance
  • Individual Health Insurance
  • Dental and Vision Insurance

1332 Grand Avenue, West Des Moines, IA 50265
WebsiteLicense: 8013688
Website

Expertise.com Rating

Review Sources

Google
4.0 (180)

Why choose this provider?

Steve Curren is an independent insurance agent serving individuals, families, and businesses in Des Moines. He has been in the insurance industry since 2008, providing comprehensive coverage designed to meet the clients' needs. Curren also helps clients manage the risks of their everyday lives and recover from the unexpected. He offers a wide range of products, including health, life, home, and auto insurance, in addition to annuities and banking services. His additional products include pet, commercial property, and business insurance.

  • Life Insurance

6600 University Avenue, Des Moines, IA 50324
Website

Expertise.com Rating

Review Sources

Google
3.0 (3)
Facebook
5.0 (2)

Why choose this provider?

ITG Worldwide is an insurance agency that serves clients in Des Moines. It offers various healthcare, dental, and long-term international health plans from several insurance companies that include HTH Worldwide, GeoBlue, and MetLife. The agency also covers other types of insurance products for Chinese travelers visiting the US, students, and scholars. Moreover, ITG Worldwide works with brokers and financial advisors to deliver international benefits products and services, including life insurance, war zone coverage, and casualty insurance.

  • Individual Plans

950 Office Park Road, West Des Moines, IA 50265
WebsiteLicense: 10185631

Expertise.com Rating

Review Sources

Google
5.0 (52)
Facebook
5.0 (43)

Why choose this provider?

With over 10 years of experience in the industry, Crumes Insurance has consistently provided insurance coverages and assistance to thousands of people in the West Des Moines area. It specializes in offering health and life insurance to its clients, such as long-term care insurance, life insurance, dental insurance, and Medigap or Medicare Supplement assistance. It is committed to helping individuals pick the right insurance coverage for their needs. At Crumes Insurance, the agents aim for customer satisfaction and pay attention to their customers' preferences.

  • Individual Plans
  • Life Insurance

4219 161st Street, Urbandale, IA 50323
WebsiteLicense: 226025
Website

Expertise.com Rating

Review Sources

Google
4.0 (12)
Facebook
5.0 (9)

Why choose this provider?

Sears Insurance is an agency that has been servicing Des Moines since 1973. It offers individual and group health insurance to people over and under 65 as well as employee groups of any size. Disability, long-term care, and dental and vision insurance plans are also available. The agency's owner, Debbie Sears, has extensive experience in handling Medicare compliance and claims. Moreover, the company has been recognized in various publications such as Central Iowa BOOMER, WOW Magazine, and The Iowan Magazine.

  • Life Insurance

4214 Fleur Drive, Des Moines, IA 50321
WebsiteLicense: 11907700
Website

Expertise.com Rating

Review Sources

Google
5.0 (11)
Facebook
5.0 (4)

Why choose this provider?

Montgomery-St. John Insurance Agency offers a selection of health insurance coverage in the Des Moines area. The company's health care packages include family and individual health insurance and dental and vision coverage options. Its insurance professionals help clients make informed decisions, guiding them in evaluating supplemental insurance choices, including maternity and Medicare supplemental plans. They also carry disability, medical expense, and child health insurance. Cody Smith, the company president, has been in the insurance industry since 2009.

  • Individual Plans
  • Life Insurance

509 5th Street, West Des Moines, IA 50265
WebsiteLicense: 16709721
Website

Expertise.com Rating

Review Sources

Google
4.2 (10)
Facebook
5.0 (9)

Why choose this provider?

Valley Junction Insurance Service is an insurance agency that provides health insurance to clients in Des Moines and nearby areas. The company is composed of licensed insurance agents with over 50 years of combined experience in the industry. The team offers products for health coverages such as Medicare supplements, disability insurance, long-term care, and prescription drug. Valley Junction Insurance Service is also available for different types of life, home, and business insurance. Under life insurance, the agency handles term, whole, and universal policies.

  • Individual Plans
  • Group Plans
  • Life Insurance

665 Southeast Madrone Lane, Waukee, IA 50263
WebsiteLicense: 19381938

Expertise.com Rating

Review Sources

Google
5.0 (10)
Facebook
5.0 (6)

Why choose this provider?

Kelderman Insurance is a health insurance company that serves clients in the Des Moines area. It provides Medicare Advantage plans, which cover vision, hearing, and dental care. Clients can also avail its Medicare Supplements products, which have simpler terms. Additionally, the company carries long-term care and prescription drug coverage plans. From time to time, it conducts educational seminars about Medicare. Its owner, Jon Kelderman, strives to help people gain optimum health protection.

  • Individual Plans
  • Life Insurance

3623 Douglas Avenue, Des Moines, IA 50310
WebsiteLicense: 8647653
Website

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Jean Jones is a licensed insurance broker for Aflac that offers insurance solutions and services to clients in the Des Moines metro. He caters to both individual and commercial clients and offers various health and life insurance quotes. Some of his products include cancer insurance, accident insurance, critical illness insurance, disability insurance, and hospitalization insurance plans. He also provides private insurance solutions for supplemental health coverage, prescription drug coverage, as well as consultation expense coverage.

  • Life Insurance

6200 Northwest Aurora Avenue, Urbandale, IA 50322
WebsiteLicense: 6904304
Website

Expertise.com Rating

Review Sources

Google
5.0 (1)
Facebook
5.0 (1)

Why choose this provider?

Fulcrum Benefits, Inc., has been serving the health insurance needs of Des Moines clients since 2006. The agency draws on its experience working for and learning from several of Iowa's leading insurance companies to help clients navigate the insurance world. It works as an independent agency with individuals and employers to meet their needs in obtaining appropriate health coverage for themselves or their businesses. Fulcrum Benefits serves a variety of industries, including construction and retail.

  • Individual Plans
  • Life Insurance
  • Group Plans

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.

  • Who is eligible to purchase Marketplace health insurance in Des Moines?

    In Des Moines, to secure Marketplace health insurance, you need to reside in Iowa, have U.S. citizenship or lawful presence, and not be incarcerated or on Medicare. Financial aid, determined by comparing your income to the second-cheapest Silver plan's cost, is available. However, if your job provides affordable health coverage or you qualify for Medicaid/CHIP, you might not be eligible for this assistance.

  • What is Medicaid in Des Moines, and what does it cover?

    Medicaid in Des Moines is a joint federal-state initiative managed by Iowa's Department of Human Services. It assists eligible individuals, such as parents, pregnant women, seniors, and specific vulnerable groups. Beneficiaries can access services like physician visits, hospital care, long-term services, and prescription medications. Though most services are under a managed care plan, some may require minor co-payments or premiums. All services must be medically necessary.

  • When can Des Moines residents purchase health insurance outside the open enrollment period?

    In Des Moines, residents typically buy health insurance during open enrollment, usually from November to December. However, exceptions apply to those undergoing specific life changes. Such events encompass losing health coverage, moving residences, and other significant shifts like income alteration or incarceration release. Always review requirements, as this isn't a comprehensive list of all qualifying events.

  • When might Des Moines residents think about purchasing short-term health insurance?

    Short-term health insurance may be a cost-effective and temporary option for Des Moines residents who:

    • Miss the open enrollment period for ACA-compliant plans.
    • Have a new job with a waiting period for health insurance coverage.
    • Are nearing eligibility for Medicare but don't have interim coverage.
    • Are ineligible for Medicaid or premium subsidies, making standard health plans less affordable.
  • How can Des Moines residents determine if a specific medical service is covered?

    In Des Moines, medical service coverage hinges on its medical necessity. Patients should consult doctors adept at assessing a procedure's medical needs. If unsure, their doctor can reach out to Provider Services, which will guide them in understanding whether the desired service is included in the coverage.

  • 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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