Expertise.com Homepage

2024

Last updated:

Best Health Insurance Agencies in Downey, CA

Our Recommended Top 5

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 Downey 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.

2148Reviewed

1290Curated

5Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

11138 Downey Avenue, Downey, CA 90241
WebsiteLicense: 6004404

Expertise.com Rating

Review Sources

Google
5.0 (7)

Why choose this provider?

Downey Insurance & Financial Services serves clients through a varied portfolio of insurance products and retirement planning services. These products range from dental and vision insurance to Medicare plans and group health insurance. Moreover, its insurance professionals can perform a personalized assessment of individuals and businesses to determine and understand their current financial situation and goals. Downey Insurance & Financial Services is partnered with various insurance carriers such as Molina Healthcare, National General Insurance, and Foremost Insurance Group.

  • Individual Plans
  • Life Insurance
  • Home & Auto Insurance

8050 Florence Avenue, Downey, CA 90240
WebsiteLicense: 6002804

Expertise.com Rating

Review Sources

Google
5.0 (76)
Yelp
5.0 (41)
Facebook
5.0 (4)

Why choose this provider?

Louis Grimaldi has been a State Farm Agent for over 15 years and serves individuals, families, and businesses in Downey. Since joining the company, he has been helping his clients in purchasing insurance products that fit their needs. He also educates them about various health care options that provide coverage for medical, surgical, and hospital expenses. In addition, he offers assistance to senior citizens dealing with Medicare plans. Grimaldi and his team also handle life, home, and auto insurance plans.

  • Life Insurance

5900 South Eastern Avenue, Commerce, CA 90040
WebsiteLicense: 0H78649

Expertise.com Rating

Review Sources

Facebook
5.0 (2)

Why choose this provider?

Stella Health Insurance Agency is a full-service and independent agency that offers insurance solutions to clients in Downey. Established in 2012, the agency works with a vast network of health insurance companies that provide coverage for medical, surgical, and hospital expenses. The agency mainly assists with Medicare Advantage and Medicare Supplement, as well as Covered California. Prescription drug plans, as well as life insurance, are also available. Its partner carriers include, but are not limited to, Covered California, Humana, Aetna, Blue California, and UnitedHealthcare.

  • Individual Plans
  • Life Insurance

4940 Long Beach Boulevard, Long Beach, CA 90805
WebsiteLicense: 0G39814

Expertise.com Rating

Review Sources

Google
5.0 (5)
Facebook
5.0 (3)
Yelp
5.0 (1)

Why choose this provider?

Marina Amezcua Insurance is an independent agency serving Downey and nearby areas. It offers full-service health insurance solutions, including dental and small group health. The agents from this firm carry Medicare plans like Medicare Advantage, Special Needs, and Dual HMOs. Additionally, they offer life insurance policies. Marina Amezcua Insurance assists Spanish-speaking clients as well. It partners with several carriers, such as Kaiser Permanente, HealthNet, Anthem Blue Cross, and Blue Shield of California.

  • Individual Plans
  • Life Insurance

8811 Imperial Highway, Downey, CA 90242
WebsiteLicense: 0C44453

Expertise.com Rating

Review Sources

Google
5.0 (3)

Why choose this provider?

Bravo Insurance and Tax Services is a full-service and independent agency that offers insurance solutions to clients in Downey and the surrounding areas. The agency works with a vast network of health insurance companies that provide protection from financial losses due to unexpected medical, surgical, and hospital expenses. Two of the most common health insurance policies it assists with are fee-for-service and managed care plans. Additionally, the agency is able to assist both English- and Spanish-speaking clients.

  • Individual Plans
  • Group Plans
  • Life Insurance

Compare our Top Health Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Downey Insurance & Financial Services
11138 Downey Avenue, Downey, CA 90241
Louis Grimaldi
8050 Florence Avenue, Downey, CA 90240
Stella Health Insurance Agency
5900 South Eastern Avenue, Commerce, CA 90040
Marina Amezcua Insurance
4940 Long Beach Boulevard, Long Beach, CA 90805
Bravo Insurance & Tax Services
8811 Imperial Highway, Downey, CA 90242

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 pay for your eyeglasses using your Downey health savings account?

    Yes. You can use funds from your Downey health savings account to pay for eyeglasses because they are recognized as a qualifying object. You can use your HSA card to purchase ancillary items like a saline solution or cleaner if you wear contact lenses for medical purposes. Similarly, you are able to pay for LASIK treatment with HSA funds.

  • What is the typical cost of urgent care in Downey without health insurance?

    An urgent care facility visit in Downey can cost anywhere between $100 and $250 on average. The term "urgent care" refers to medical settings that offer quick, non-emergency medical care for ailments that need attention right away but are not life-threatening. Without health insurance, the cost of urgent care can depend on the severity of the ailment and the particular treatments necessary.

  • Does Downey consider dental insurance to be health insurance?

    No. The Affordable Care Act does not recognize dental insurance as qualifying health insurance in Downey because it does not adhere to the requirements for minimally necessary coverage. So if you purchase a health plan through the marketplace, you may include dental insurance as part of your package or purchase it separately. You can be liable for the individual mandate penalty fine if you only have admission to a dental insurance plan because you do not have sufficient coverage.

  • How can you qualify for a Medicare supplement program in Downey?

    You must have Medicare Parts A and B coverage to be qualified for a Medicare supplement plan in Downey. You are able to buy any Medigap policy made available by insurance providers in your area during the six-month open enrollment period for Medigap policies, which begins on the first day of the month you turn 65 and enroll in Medicare Part B.

  • How do Downey insurers determine the cost of group health insurance?

    When determining group health insurance premiums in Downey for big companies, health insurance providers consider the following factors: employment sector, company location, group size, employee gender and age, and prior claims history. For a business to qualify for a big group plan, it typically has to have 50 or more employees.

  • 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.