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Best Health Insurance Agencies in Nampa

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Dave Bollinger logo
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License Verified:

License: ID-85243

Idaho Department of Insurance

Dave Bollinger

1621 12th Avenue Road, Nampa, ID 83686
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  • Health Insurance

Business Description

Dave Bollinger is a Nampa-based insurance agent who has been representing State Farm since 1985. He offers insurance plans for health, lives, pets, automobiles, homes, properties, and businesses. He also carries annuities, mutual funds, and banking products. The Nampa local strives to help people during times of their need. Bolinger has earned the Long-Term Care Professional designation. State Farm, the company he represents, has been aiding customers in managing everyday risks and achieving their financial goals through insurance solutions since 1922.

License Verified:

License: ID-85243

Idaho Department of 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.
4.4
Google
4.4 / 5 (28)
Insurers of Idaho logo
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License Verified:

License: 479647

Idaho Department of Insurance

Insurers of Idaho

16211 N. Brinson, Suite 130, Nampa, ID 83687
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  • Health Insurance

Business Description

Insurers of Idaho is a group of independent brokers that has been serving policy owners throughout Nampa since 2004. It provides a variety of health insurance coverage, such as short-term, individual, group, and Medicare Supplement insurance. It also collaborates with a wide range of insurance carriers, including United Health Care, Blue Cross of Idaho, Mountain Health Co-op, Regence Blue Shield, and Pacific Source. One of its brokers, Bruce Altig, has been working in the insurance industry for more than 30 years.

License Verified:

License: 479647

Idaho Department of 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.
4.3

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
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Ken Wells logo
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License Verified:

License: 135475

Idaho Department of Insurance

Ken Wells

600 N Midland Blvd, Nampa, ID 83651
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  • Health Insurance

Business Description

Ken Wells is a State Farm insurance agent that has been with the company for over 31 years, establishing his own branch in 2006. He provides health insurance plans for various types of residents in Nampa, from seniors to those with terminal conditions and disabilities. Ken can review each client's medical history before recommending coverages for their policies, such as ambulance and prescription coverage. He also processes health insurance claims online and provides clients with their own insurance cards.

License Verified:

License: 135475

Idaho Department of 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.
4.8
Google
4.7 / 5 (41)
Facebook
5.0 / 5 (10)

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
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Detail
Shawn Kerr logo
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License Verified:

License: 539835

Idaho Department of Insurance

Shawn Kerr

4301 Garrity Blvd Suite 101, Nampa, ID 83687
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  • Health Insurance

Business Description

State Farm insurance agent Shawn Kerr is located in Nampa. His mission is to help people manage the risks of everyday life and recover from unexpected events. Kerr assists clients with various insurance policies, including health coverage. This includes a variety of supplemental health, Medicare Supplement, or individual medical coverage plans. Clients can protect their paycheck with disability insurance to help cover monthly expenses. Kerr also offers other types of insurance, such as auto, homeowners', and business.

License Verified:

License: 539835

Idaho Department of 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.
4.6
Google
4.6 / 5 (43)

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
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Detail
Tweedy Insurance Group logo
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License Verified:

License: 66627

Idaho Department of Insurance

Tweedy Insurance Group

99 S Canyon St., Nampa, ID 83651
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  • Life Insurance

Business Description

Tweedy Insurance Group is a Nampa brokerage that specializes in life and health insurance plans, including ACA and Medicare coverages. Working with over 40 carriers, the firm offers plans like Medicare Supplement, Medicare Advantage, and Prescription Drug Plans. The family-owned agency has been operating for more than 20 years. It was founded by Dan Tweedy, who spent more than 20 years in Christian ministry before starting the business. He is joined in the firm by all of his three children.

License Verified:

License: 66627

Idaho Department of 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.
5.0
Google
5.0 / 5 (6)
Facebook
5.0 / 5 (1)
Yelp
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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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.

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