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Best Health Insurance Agencies in Des Moines

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AKP Health Insurance logo
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License Verified:

License: 8580865

Iowa Insurance Division

AKP Health Insurance

974 73rd Street, Windsor Heights, IA 50324
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  • Life Insurance
  • Individual Health Insurance
  • Dental and Vision Insurance
  • Medicare Supplements

Business Description

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.

License Verified:

License: 8580865

Iowa Insurance Division

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 (57)
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
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Detail
Associations Marketing Group, Inc. logo
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Associations Marketing Group, Inc.

1112 Maple Street, West Des Moines, IA 50265
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  • Individual Plans
  • Life Insurance

Business Description

Associatioins Marketing Group, Inc. is an independent insurance company that operates in Des Moines. It specializes in health insurance plans that cater to individual clients, senior citizens, and businesses. The company's agents compare the rates and benefits from multiple health insurance carriers, such as Aetna and UnitedHealthcare, to present to clients. They customize each policy to fit specific illnesses and areas like dental, disability, critical illnesses, and cancer. In addition, they provide Medicare plans, travel medical insurance, and telemedicine contracts.

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.
4.5
Google
4.0 / 5 (8)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Crumes Insurance logo
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License Verified:

License: 10185631

Iowa Insurance Division

Crumes Insurance

950 Office Park Road, West Des Moines, IA 50265
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  • Individual Plans
  • Life Insurance

Business Description

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.

License Verified:

License: 10185631

Iowa Insurance Division

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 (52)
Facebook
5.0 / 5 (43)
Fulcrum Benefits, Inc. logo
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License Verified:

License: 6904304

Iowa Insurance Division

Fulcrum Benefits, Inc.

6200 Northwest Aurora Avenue, Urbandale, IA 50322
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  • Individual Plans
  • Life Insurance
  • Group Plans
  • Group Health Benefits

Business Description

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.

License Verified:

License: 6904304

Iowa Insurance Division

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
ITG Worldwide logo
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ITG Worldwide

6600 University Avenue, Des Moines, IA 50324
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  • Individual Plans

Business Description

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.

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.
3.8
Google
3.0 / 5 (3)
Jean Jones logo
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License Verified:

License: 8647653

Iowa Insurance Division

Jean Jones

3623 Douglas Avenue, Des Moines, IA 50310
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  • Life Insurance

Business Description

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.

License Verified:

License: 8647653

Iowa Insurance Division

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
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
Kelderman Insurance logo
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License Verified:

License: 19381938

Iowa Insurance Division

Kelderman Insurance

665 Southeast Madrone Lane, Waukee, IA 50263
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  • Individual Plans
  • Life Insurance

Business Description

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.

License Verified:

License: 19381938

Iowa Insurance Division

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 (10)
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
Montgomery-St John Insurance Agency logo
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License Verified:

License: 11907700

Iowa Insurance Division

Montgomery-St John Insurance Agency

4214 Fleur Drive, Des Moines, IA 50321
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  • Individual Plans
  • Life Insurance

Business Description

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.

License Verified:

License: 11907700

Iowa Insurance Division

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 (12)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Reynolds & Reynolds Inc logo
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License Verified:

License: 7985327

Iowa Insurance Division

Reynolds & Reynolds Inc

300 Walnut Street Suite 200, Des Moines, IA 50309
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  • Life Insurance

Business Description

Reynolds & Reynolds Inc. offers health insurance products to clients in the Des Moines area. The business has been in the insurance and financial industry since 1976, providing various individual coverage, which includes health, home, and auto insurance. Additional personal products include watercraft, motorcycle, and valuable items insurance. Reynolds & Reynolds is a member of the RiskProNet International and the Independent Insurance Agents of Iowa. Furthermore, it handles the creation, underwriting, and preservation of various risk management programs.

License Verified:

License: 7985327

Iowa Insurance Division

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 (17)
Sears Insurance logo
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License Verified:

License: 226025

Iowa Insurance Division

Sears Insurance

4219 161st Street, Urbandale, IA 50323
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  • Life Insurance

Business Description

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.

License Verified:

License: 226025

Iowa Insurance Division

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
Google
4.0 / 5 (12)
Facebook
5.0 / 5 (9)

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
Steve Curren logo
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License Verified:

License: 8013688

Iowa Insurance Division

Steve Curren

1332 Grand Avenue, West Des Moines, IA 50265
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  • Life Insurance

Business Description

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.

License Verified:

License: 8013688

Iowa Insurance Division

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
4.0 / 5 (180)

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
Tony Weisshaar logo
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License Verified:

License: 8107037

Iowa Insurance Division

Tony Weisshaar

1201 Army Post Road, Des Moines, IA 50315
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  • Life Insurance

Business Description

Tony Weisshaar is an insurance agent who offers short-term and long-term health insurance to clients in Des Moines. He also offers other insurance products such as life, home, car, and business insurance. With over 16 years of industry experience, Tony educates clients on the different options available, helping them make a decision based on their specific needs and budget. In addition to insurance, he also provides financial services such as banking, mutual funds, and annuities.

License Verified:

License: 8107037

Iowa Insurance Division

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 (25)

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
Valley Junction Insurance Service logo
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License Verified:

License: 16709721

Iowa Insurance Division

Valley Junction Insurance Service

509 5th Street, West Des Moines, IA 50265
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  • Individual Plans
  • Group Plans
  • Life Insurance

Business Description

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.

License Verified:

License: 16709721

Iowa Insurance Division

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 (8)

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
Back to Providers

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