Expertise.com

2024

Last updated:

Best Health Insurance Agencies in Carmel

Our Recommended Top 7

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 Carmel 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.

1671Reviewed

1005Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

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

Why choose this provider?

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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

Website
1729 Sycamore Drive, Plainfield, IN 46168
  • Life Insurance

Why choose this provider?

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

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

Why choose this provider?

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.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
Indianapolis, IN
  • Individual Plans
  • Life Insurance

Why choose this provider?

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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

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.

  • Can you be denied health insurance in Carmel due to your age?

    In Carmel, health insurance providers are not permitted to refuse you coverage for an ACA plan due to your age. This protection is due to the regulations set forth by the Affordable Care Act. This provision mandates that health insurance providers offer coverage to individuals of all ages without age-related discrimination or limitations.

  • Can you purchase short-term health insurance plans in Carmel?

    Yes, you can purchase short-term health insurance plans in Carmel. These short-term health insurance policies can be renewed for up to 364 days or less. However, these plans are not mandated to include all ten essential benefits stipulated by the Affordable Care Act. Additionally, individuals with pre-existing medical conditions may encounter the possibility of being denied coverage.

  • Can you have both Medicare and Medicaid coverage in Carmel?

    Yes, it is possible for individuals in Carmel to have both Medicare and Medicaid coverage through Dual Eligible Special Needs Plans. These plans are tailored to offer coordinated care and extra benefits to those who qualify for both programs. D-SNP-eligible individuals can decide to enroll in a D-SNP health plan during the annual Medicare enrollment period or special enrollment periods.

  • Who qualifies for the Children's Health Insurance Program in Carmel?

    The Children's Health Insurance Program in Carmel is designed for children up to age 19 from families with slightly higher incomes. Under CHIP, enrollees pay a modest monthly premium for coverage and copayments for specific services. This program is a part of the Hoosier Healthwise program, which covers medical care such as doctor visits, prescription medicine, mental health care, dental care, hospitalizations, and surgeries at minimal or no cost.

  • Do health insurance plans in Carmel cover ambulance rides?

    Health insurance plans in Carmel typically offer coverage for ambulance services, primarily for medically necessary transports. However, non-emergency ambulance rides may not be covered, and the extent of coverage varies among health plans. Contact your insurance provider and check the specific ambulance service policies, especially for non-emergency situations.

  • 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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