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2024

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Best Health Insurance Agencies in Santa Maria, CA

Our Recommended Top 6

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 Santa Maria 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.

1978Reviewed

1189Curated

6Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1524 W. Branch St, Arroyo Grande, CA 93420
WebsiteLicense: 0B80262

Expertise.com Rating

Review Sources

Google
4.6 (27)
Yelp
3.5 (2)

Why choose this provider?

California Heritage is a local independent insurance agency serving Santa Maria clients. It offers group health insurance from multiple carriers to find the policies that fit the needs of the employers. It provides life and homeowners' insurance plans. In addition, the company has various risk insurance options for businesses, including workers' compensation and general liability. California Heritage was founded in 1982 as 4 Less Insurance Services, which merged with two other insurance firms to create the insurance company it is today.

  • Group Plans
  • Health Insurance

801 South Broadway Suite #15, Santa Maria, CA 93454
WebsiteLicense: 0L48767

Expertise.com Rating

Review Sources

Facebook
4.7 (8)
Yelp
5.0 (4)
Google
5.0 (3)

Why choose this provider?

Cravello is an insurance and financial solutions firm serving clients in Santa Maria. It offers health insurance with a variety of coverage options depending on the anticipated needs of each client. The company can provide coverage for long-term care, dental, vision, and disability. It also has term and whole life insurance and assists with Medicare Supplement plans. Cravello is owned and operated by husband-and-wife-duo Tony and Anne Cravello, who have more than a decade of combined industry experience.

  • Life Insurance
  • Dental and Vision Insurance
  • Medicare Supplements

528 East Main Street, Santa Maria, CA 93454
WebsiteLicense: 0C85375

Expertise.com Rating

Review Sources

Yelp
5.0 (4)
Facebook
5.0 (3)

Why choose this provider?

Reyco Insurance Services is an independent agency serving Santa Maria and the surrounding communities. It accommodates individuals and families who need assistance in obtaining health insurance policies. In addition, the company offers other personal and business plans such as homeowners', classic car, equine liability, dental, and commercial liability insurance. Its 10 insurance specialists work with various carriers such as Blue Shield, Aegis, Kemper, Nationwide, and Travelers. Reyco Insurance Services has been in the industry since 2013 and is a certified Covered California Insurance agency.

  • Health Insurance

1545 S Broadway, Santa Maria, CA 93454
WebsiteLicense: 0B08322

Expertise.com Rating

Review Sources

Facebook
5.0 (8)
Google
4.2 (5)

Why choose this provider?

Tami Rabska is an insurance agent who assists clients in obtaining health insurance policies in Santa Maria and the surrounding areas. She provides different options, including Medicare supplement insurance, supplemental health insurance, and individual medical coverage. Additionally, she handles other policies covering life, property, home, auto, and business and aids clients with their banking needs. Tami Rabska has been helping clients through State Farm for more than 40 years. She has served as president of the Santa Maria Valley Kiwanis.

  • Life Insurance
  • Health Insurance

1525 E Main Street, Santa Maria, CA 93454
WebsiteLicense: 0E52073

Expertise.com Rating

Review Sources

Google
4.7 (3)
Facebook
5.0 (1)

Why choose this provider?

is an insurance company that offers a wide variety of services to individuals and families in Santa Maria and the surrounding areas. It provides health insurance policies and covers other personal risk solutions, including plans for life, disability, home, private collections, and umbrella and excess liability limits. An independent agency that has been operating for over 90 years, Tolman Wiker partners with various insurance carriers, such as American Insurance Group, Allied Insurance, Progressive, and Travelers.

  • Health Insurance

1103 E Clark Avenue Suite D, Santa Maria, CA 93455
WebsiteLicense: 0K05435

Expertise.com Rating

Review Sources

Google
5.0 (44)
Facebook
4.3 (7)
Yelp
5.0 (1)

Why choose this provider?

Antonio Mendoza is an insurance agent at State Farm serving clients in Santa Maria. He offers health insurance coverage for individuals, families, and senior citizens. The policies may include disability paycheck insurance and supplemental health. Additionally, he provides insurance plans for homeowners, renters, auto, pets, and businesses. Antonio has been in the industry for over 18 years and has several years of experience in financial services. His team can serve Spanish-speaking clients.

  • Life Insurance

Compare our Top Health Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
California Heritage
1524 W. Branch St, Arroyo Grande, CA 93420
Cravello
801 South Broadway Suite #15, Santa Maria, CA 93454
Reyco Insurance Services
528 East Main Street, Santa Maria, CA 93454
Tami Rabska
1545 S Broadway, Santa Maria, CA 93454
Tolman Wiker
1525 E Main Street, Santa Maria, CA 93454
Antonio Mendoza
1103 E Clark Avenue Suite D, Santa Maria, CA 93455

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.

  • What are the essential benefits covered by health insurance plans in Santa Maria?

    In Santa Maria, health insurance plans are mandated by state law to include essential health benefits. These encompass inpatient hospital care, visits to primary care doctors and specialists, outpatient procedures, diagnostic services like x-rays and mammograms, maternity and newborn care, and preventive services such as vaccinations and check-ups. It also includes emergency and urgent care, rehabilitation therapies, some post-hospitalization home health or nursing home care, prescription drugs, substance abuse treatment, and oral and vision care exclusively for children.

  • Can you change your health insurance plan outside of the open enrollment period in Santa Maria?

    In Santa Maria, changing your health insurance plan outside of the standard open enrollment period is possible through a special enrollment period, typically granted for specific qualifying life events. These include marriage, childbirth, adoption, moving to a new location, and losing health coverage. Gaining membership in a recognized tribe, becoming a U.S. citizen, leaving incarceration, or starting or ending service with some AmeriCorps programs are also qualifying events.

  • Can you get coverage for alternative medicine with your health insurance in Santa Maria?

    In Santa Maria, health insurance plans may not cover alternative medical treatments, including acupuncture, chiropractic care, and massage therapy. To clarify whether your particular plan covers these treatments, it is highly recommended that you contact your insurance provider or consult your plan's official documents and website.

  • How can you find out what medical procedures are covered by your health insurance plan in Santa Maria?

    To determine which medical procedures are included in your Santa Maria health insurance plan, you may contact your insurance company through their designated phone line for inquiries. You may also seek assistance from your health insurance agent, employer, or insurance provider directly and ask for a summary of benefits. Additionally, make sure you have a copy of your policy for more comprehensive details about your policy.

  • What is the difference between an HMO and a PPO plan in Santa Maria?

    In Santa Maria, HMOs usually have lower monthly premiums, meaning you pay less each month and have lower out-of-pocket expenses. PPOs, on the other hand, come with higher monthly premiums in exchange for more freedom. With a PPO, you can see doctors inside and outside your insurance network without needing a referral from a primary care physician. However, this freedom comes at the cost of higher out-of-pocket medical expenses.

  • 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.