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Best Health Insurance Agencies in Carmel

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2023
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Bob Dennis Insurance logo
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License Verified:

License: 37640

Indiana Department of Insurance

Bob Dennis Insurance

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12394 Hyacinth Way, Carmel, IN 46032
  • Individual Plans
  • Group Plans
  • Market Place
  • Life Insurance

Business Description

Bob Dennis Insurance is a company serving customers in Carmel and the surrounding areas. Its founder, Bob Dennis, has been in the insurance industry since 1984. With his independent agency, he aims to provide customers with plans tailored to their needs. Products offered by Bob Dennis Insurance include health, dental, vision, and life insurance. Medicare supplements and advantage plans are also available. The company can also assist employers with health reimbursement arrangements and voluntary benefits.

License Verified:

License: 37640

Indiana Department of Insurance

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
Harshman Insurance Agency logo
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License Verified:

License: 3463011

Indiana Department of Insurance

Harshman Insurance Agency

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1729 Sycamore Drive, Plainfield, IN 46168
  • Life Insurance

Business Description

Harshman Insurance Agency is a locally-owned insurance company that offers life and health insurance for individuals and families in Carmel. The woman-led insurance firm represents multiple carriers that can deliver a variety of health insurance coverages, such as long-term care, short-term care, and home health care plans. The agency also provides supplemental coverages for vision, dental, hearing, and cancer care. Other insurance products include final expense life insurance and annuities. Owner and local insurance agent Delann Harshman opened her own company in 2019.

License Verified:

License: 3463011

Indiana 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
Facebook
5.0 / 5 (4)
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
J.F. Hall & Associates Inc logo
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License Verified:

License: 423206

Indiana Department of Insurance

J.F. Hall & Associates Inc

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554 Pitt Road, Brownsburg, IN 46112
  • Group Plans
  • Life Insurance

Business Description

Located in Brownsburg, J.F. Hall & Associates Inc. is an insurance agency that extends its services to individuals and businesses in Carmel. It offers different types of health insurance products, including limited medical benefits, small employer insured ACA compliance, and small employer self-funded plans. Moreover, it also provides, dental, disability, life, retirement, and vision insurance policies. J.F. Hall & Associates has been in the business since 1982. Its president, Cheryl Hindsley, holds a bachelor's degree in Human Resource Management and a CEBS designation.

License Verified:

License: 423206

Indiana Department of Insurance

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
––
Jeremiah P. Wipf logo
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License Verified:

License: 704520

Indiana Department of Insurance

Jeremiah P. Wipf

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2308 East Main Street, Plainfield, IN 46168
  • Life Insurance

Business Description

Jeremiah P. Wipf has been an insurance agent of State Farm since 2013. Serving Carmel, he offers a wide range of insurance products and services which include life insurance, home insurance, health insurance, and auto insurance. He also offers fax, copy, and notary services to customers even outside the agency. The agency's health insurance comes in various forms such as supplemental health, Medicare Supplement, and individual health. He has won awards such as the Ambassador Club and Legion of Honor.

License Verified:

License: 704520

Indiana 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
Facebook
5.0 / 5 (5)

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
––
Michael Wehner logo
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License Verified:

License: 642876

Indiana Department of Insurance

Michael Wehner

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Indianapolis, IN
  • Individual Plans
  • Life Insurance

Business Description

Michael Wehner represents the Health Market Insurance agency. He specializes in health insurance services to provide solutions for clients' medical needs by offering individual, family, and short-term health plans. These include supplemental insurance products that provide financial benefits for dental, vision, accidents, hospital confinement, disability, and critical illness. He also assists individuals in Carmel who want to have long-term care insurance covering the costs of nursing homes, assisted living facilities, and at-home care. Michael has been in the insurance industry for more than 21 years.

License Verified:

License: 642876

Indiana 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
Facebook
5.0 / 5 (23)

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
––
Pete Fay logo
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License Verified:

License: 392054

Indiana Department of Insurance

Pete Fay

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431 East Northfield Drive, Brownsburg, IN 46112
  • Individual Plans

Business Description

Pete Fay is an insurance agent who provides health insurance plans to individuals and businesses in Carmel and the surrounding areas. He offers supplemental health, Medicare supplement, and individual medical coverage. In addition, he handles different insurance policies such as coverage for life, automobile, home, business, property, and pet. Working under State Farm, Pete has been helping clients for over 30 years. He is a Chartered Property and Casualty Underwriter and a Chartered Financial Consultant.

License Verified:

License: 392054

Indiana 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.
4.0
Facebook
4.0 / 5 (4)

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
Teresa Susong logo
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License Verified:

License: 1127040

Indiana Department of Insurance

Teresa Susong

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304 North Lebanon Street, Lebanon, IN 46052
  • Individual Plans

Business Description

Teresa Susong is a State Farm Insurance Agent with years of experience in serving clients in and around Carmel. Susong is knowledgeable in policies for term life, whole life, and universal life insurance. She also offers other insurance options, which include health, auto, property, and business insurance. Aside from assisting clients who are interested in insurance policies, Susong also offers consultations for clients who are interested in other financial services, including annuities and mutual funds.

License Verified:

License: 1127040

Indiana 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
Facebook
5.0 / 5 (8)
Yelp
1.0 / 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
Watson Agency, Inc. Cynthia "Cyndi" Watson logo
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License Verified:

License: 739026

Indiana Department of Insurance

Watson Agency, Inc. Cynthia "Cyndi" Watson

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269 West Jackson Street, Cicero, IN 46034
  • Individual Plans
  • Life Insurance

Business Description

Watson Agency, Inc., which is headed by Cynthia "Cyndi" Watson, serves the risk management needs of residents in Carmel. Catering to both senior citizens and clients below the age of 65, it offers a wide range of products, from health, life, and dental to vision insurance plans. Furthermore, the agency can provide property and business protection plans, covering home, renters, boat, and car insurance policies. Watson Agency has been providing risk management solutions for more than four decades.

License Verified:

License: 739026

Indiana Department of Insurance

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.