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Best Health Insurance Agencies in Bloomington

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2023
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Abby Spachman logo
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License Verified:

License: 9510468

Illinois Department of Insurance

Abby Spachman

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405 N Hershey Road Ste 5, Bloomington, IL 61704
  • Life Insurance
  • Medicare Supplements
  • Health Insurance

Business Description

Abby Spachman is a State Farm insurance agent with an office in Bloomington. She and her team of insurance professionals help individuals and families acquire an assortment of personal insurance products, including health, life, and property insurance. Their health insurance options also include Medicare supplement plans. The team also helps clients change their existing policies. Abby started her State Farm career as a sales representative in her father's insurance agency in 2013 before opening her agency in 2020.

License Verified:

License: 9510468

Illinois 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 (175)
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
Ascend Benefits logo

License Verified:

License: 100302681

Illinois Department of Insurance

Ascend Benefits

1 Brickyard Dr, Bloomington, IL 61701
  • Life Insurance
  • Health Insurance

Business Description

Ascend Benefits caters to the insurance needs of individuals and business owners in the Bloomington metro. It creates comprehensive health insurance coverages to protect clients from financial losses caused by medical expenses. The independent company helps customers determine the insurance policies that suit their budget and needs. Its team aims to help clients achieve their insurance goals through personalized services. Ascend Benefits works with multiple carriers, including Aetna, Humana, Cigna, and MetLife.

License Verified:

License: 100302681

Illinois 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 (2)
BPA Financial Advisors logo
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License Verified:

License: 3000118997

Illinois Department of Insurance

BPA Financial Advisors

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712 IAA Drive, Bloomington, IL 61701
  • Life Insurance
  • Health Insurance
  • Long Term Care

Business Description

BPA Financial Advisors is an independent firm that provides financial investment solutions in the Bloomington metro. It assists individuals, families, and business owners in obtaining health insurance policies. The wealth management company offers individual and group health plans to protect clients from financial losses caused by medical bills. It also handles retirement and financial planning and asset management services. BPA Financial Advisors has been delivering personalized solutions for more than 25 years.

License Verified:

License: 3000118997

Illinois 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 (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
Clemens Insurance logo
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License Verified:

License: 100302070

Illinois Department of Insurance

Clemens Insurance

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2806 E. Empire St, Bloomington, IL 61702
  • Health Insurance

Business Description

Clemens Insurance is a full-service, independent agency serving Bloomington. The agency helps clients in securing their life, health, and properties by providing them with several options and different coverage programs from more than 45 insurance companies. With over 7,000 policyholders served, its agents continuously guide customers with their personal coverage, business, and transportation insurance needs. Its current owner, Rick J. Percy, is an active member of the community and is involved with several organizations including the OSF Foundation and St Jude, OSF St. Joseph Hospital.

License Verified:

License: 100302070

Illinois 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 (28)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Compass Insurance Partners logo
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License Verified:

License: 100303806

Illinois Department of Insurance

Compass Insurance Partners

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1410 Woodbine Road, Suite 1, Bloomington, IL 61704
  • Life Insurance
  • Health Insurance
  • Home & Auto Insurance

Business Description

Compass Insurance Partners is an independent agency that represents and assists in securing health insurance plans for customers in Bloomington and its nearby areas. The company represents a vast network of insurance companies that provide coverage for a variety of health concerns and expenses, such as critical illnesses, accidents, and unexpected hospital stays. Originally founded in 1952, Compass Insurance Partners was recently named as a Reagan Consulting Best Practices Agency in 2019 and 2020.

License Verified:

License: 100303806

Illinois 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 (28)
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
Eden Insurance and Financial Services logo
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License Verified:

License: 100288428

Illinois Department of Insurance

Eden Insurance and Financial Services

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2416 East Washington Street Suite B3, Bloomington, IL 61704
  • Individual Health Insurance
  • Health Insurance

Business Description

Eden Insurance and Financial Services is an independent agency that serves clients in Bloomington. It offers a variety of health care plans, including HMOs, surgical expense insurance, and hospital indemnity insurance. The agency has formed partnerships with several insurance carriers, including Aegis, Progressive, and American Modern. Its team has more than 40 years of combined insurance industry experience throughout the Midwest. Owner Jeremy Eden, who has been an agent since 2004, aims to transform the business into a multi-line agency.

License Verified:

License: 100288428

Illinois 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.
4.9
Google
4.9 / 5 (76)
Facebook
5.0 / 5 (43)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Group Benefits Source, Inc. logo
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License Verified:

License: 2160948

Illinois Department of Insurance

Group Benefits Source, Inc.

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2841 E. Empire, Suite 135, Bloomington, IL 61704
  • Life Insurance

Business Description

Group Benefits Source, Inc., offers health insurance coverage for customers in Bloomington. The company takes care of employers' health, dental, and vision group insurance policies. It also offers consulting services to help clients choose the plans they need. Other insurance products include accidental death and dismemberment insurance, and disability protection. The corporation was founded in 2003 by Roger Heideman. He has more than 30 years of experience in the healthcare industry, in the fields of physician and hospital administration.

License Verified:

License: 2160948

Illinois 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.
4.5
Google
4.5 / 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
Jim Spachman logo
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License Verified:

License: 529513

Illinois Department of Insurance

Jim Spachman

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2501 E College Avenue, Suite A, Bloomington, IL 61704
  • Group Plans

Business Description

Jim Spachman is a State Farm insurance agent who has been serving clients in Bloomington since 1994. He assists individuals, families, and senior citizens in choosing from a wide range of health insurance coverage options to tailor policies based on their needs and goals. His team educates them about the different coverages available such as supplemental health, Medicare supplement, and individual medical coverages. Spachman also provides pet, auto, and home insurance. He serves as a member of the Bloomington Chamber of Commerce.

License Verified:

License: 529513

Illinois 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
4.9 / 5 (116)
Facebook
4.4 / 5 (36)
Munz-Hermes & Associates, Inc. logo
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License Verified:

License: 741368

Illinois Department of Insurance

Munz-Hermes & Associates, Inc.

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315 E Front St., Bloomington, IL 61701
  • Medicare Supplement Insurance
  • Medicare

Business Description

Munz-Hermes & Associates, Inc., helps clients in Bloomington who are searching for appropriate health care coverages. For the last 33 years, the agency has been helping clients obtain suitable Medicare plans. It offers information about plans like Medicare supplements and advantage plans to help customers select the most suitable coverage for their specific needs and circumstances. The agency also has options for dental and long-term care indemnities. Phil Hermes is licensed to operate in other states, including Alabama, Florida, Georgia, and Indiana.

License Verified:

License: 741368

Illinois 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 (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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Rick McLean logo
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License Verified:

License: 2146057

Illinois Department of Insurance

Rick McLean

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409 S Prospect Road, Bloomington, IL 61704
  • Life Insurance
  • Home & Auto Insurance
  • Health Insurance
  • Business Insurance

Business Description

Rick McLean is a State Farm insurance agent that has been serving the Bloomington community since 1985. He assists individuals, families, and senior citizens in choosing from a wide range of health insurance coverage options based on their needs and goals. His team is composed of eight professionals who educate clients about the available coverages, such as supplemental health, Medicare supplement, and individual medical coverages. In addition, McLean provides guidance in banking, annuities, and mutual funds.

License Verified:

License: 2146057

Illinois 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 (230)
Facebook
4.8 / 5 (20)

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.