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2024

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Best Health Insurance Agencies in Silver Spring, MD

Our Recommended Top 8

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 Silver Spring 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.

1429Reviewed

860Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

8204 Fenton St Suite 205, Silver Spring, MD 20910
WebsiteLicense: 3000496366

Expertise.com Rating

Review Sources

Google
4.3 (12)
Facebook
5.0 (11)

Why choose this provider?

New Era Insurance Agency has been offering solutions to clients in the Silver Spring area since 2016. The company's individual health insurance provides coverage in addition to the benefits in company health plans. This includes subsidies for medical procedures, treatments, and hospitalizations. The firm also offers life insurance that protects loved ones after the policyholder passes on. In addition, It provides policies for homes, renters, and businesses as well as auto insurance that covers damage from collisions, fire, and theft.

  • Health Insurance

1300 Spring Street, Suite 132, Silver Spring, MD 20910
WebsiteLicense: 64302

Expertise.com Rating

Review Sources

Google
4.9 (113)
Yelp
4.6 (9)

Why choose this provider?

Cindi Scafide is an insurance agent who provides services in Silver Spring and the surrounding areas. She offers health insurance policies, including supplemental health, Medicare supplement, and individual medical insurance coverage. In addition, she handles other products, such as automobile, life, home, and property insurance. Scafide brings around 34 years of industry experience and leads a team under State Farm. She has received the Fellow, Life Management Institute designation and is also a financial services specialist.

  • Health Insurance
  • Medicare
  • Home and Auto Insurance

10126 Colesville Road Suite A, Silver Spring, MD 20901
WebsiteLicense: 3000047721

Expertise.com Rating

Review Sources

Google
4.9 (115)
Facebook
5.0 (2)
Yelp
1.0 (2)

Why choose this provider?

Carmen Moya is a State Farm insurance agent serving personal and commercial clients in Silver Spring. She offers individual medical coverage plans and health insurance policies that cover supplemental health and Medicare Supplement options. In addition, she provides term, whole, or universal life plans, as well as insurance coverage for auto, homeowners, businesses, and pets. Carmen's office can also assist with notary public needs and relocations to Maryland and Washington DC. The team can communicate in Spanish.

  • Health Insurance

10014 Colesville Rd., Suite B, Silver Spring, MD 20901
WebsiteLicense: 3000863258

Expertise.com Rating

Review Sources

Facebook
5.0 (8)
Google
4.3 (3)
Yelp
1.0 (1)

Why choose this provider?

The R. Labbe Insurance Agency provides clients in Silver Spring with health protection plans. The independent insurance agency offers a wide range of life, auto, home, business, and retirement policies. Its agents are dedicated to giving clients peace of mind by offering expert insurance advice and explaining policy details. The agency has been around for over 30 years and has partnered with different insurance carriers to provide clients with a wide array of options.

  • Life Insurance
  • Health Insurance
  • Home & Auto Insurance

8403 Colesville Rd., Silver Spring, MD 20910
WebsiteLicense: 198247

Expertise.com Rating

Review Sources

Google
4.8 (4)

Why choose this provider?

Ullico is a labor-owned insurance and investment company that serves clients in Silver Spring. It offers health, life, dental insurance packages for labor union members and their families, union employers, and institutional investors. The agency has adopted a proactive approach to developing financial solutions based on the unique challenges of union members and the labor movement. It has been serving the labor movement since its establishment by the American Federation of Labor and its former president, Samuel Gompers, in 1927.

  • Group Plans
  • Life Insurance
  • Health Insurance

225 International Cir Ste 100, Hunt Valley, MD 21030
WebsiteLicense: 99935721

Expertise.com Rating

Review Sources

Google
4.7 (23)

Why choose this provider?

Barry Gerskov is an insurance agent with Mutual of Omaha, an agency that has been in the industry since 1909. Gerskov offers a range of risk management solutions to policy buyers in Silver Spring, including disability income and critical illness insurance, long-term care plans, and dental coverage. Cancer, stroke, and heart attack coverage as well as Medicare Supplement are also available. In addition, he provides life insurance policies, annuities, and small business solutions.

  • Life Insurance
  • Health Insurance

11714 Georgia Ave, Silver Spring, MD 20902
WebsiteLicense: 18098

Expertise.com Rating

Review Sources

Google
5.0 (1)
Facebook
5.0 (1)

Why choose this provider?

Hemnani & Company Insurance is an independent company that has been protecting residents of Silver Spring since 1974. It offers four types of health insurance plans: EPO, HMO, POS, and PPO. These health insurance plans help cover surgical, medical, and hospital expenses. The agency also offers vehicle, property, and business insurance plans. It represents various insurance companies like Progressive and Hartford Insurance. Hemnani & Company Insurance is owned by Gobind C. Hemnani, who is a Life Underwriter Training Council Fellow.

  • Health Insurance
  • Life Insurance

804 Pershing Drive, Suite 101, Silver Spring, MD 20910
WebsiteLicense: 35742

Expertise.com Rating

Why choose this provider?

Mary Snider is a State Farm insurance agent serving clients in Silver Spring. She offers health insurance coverage for individual medical protection, supplemental health, and Medicare supplement plans. In addition, she provides life, auto, homeowners', renter's, and business insurance, as well as policies for personal articles and pets. Mary has been in the insurance industry for over 20 years and has served with the Human Rights Campaign as a part of the Board of Directors. Her team can communicate in English, Spanish, and Czech.

  • Life Insurance

Compare our Top Health Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
New Era Insurance Agency
8204 Fenton St Suite 205, Silver Spring, MD 20910
Cindi Scafide
1300 Spring Street, Suite 132, Silver Spring, MD 20910
Carmen Moya
10126 Colesville Road Suite A, Silver Spring, MD 20901
R Labbe Insurance Agency
10014 Colesville Rd., Suite B, Silver Spring, MD 20901
Ullico
8403 Colesville Rd., Silver Spring, MD 20910
Barry Gerskov
225 International Cir Ste 100, Hunt Valley, MD 21030
Hemnani & Company Insurance
11714 Georgia Ave, Silver Spring, MD 20902
Mary Snider
804 Pershing Drive, Suite 101, Silver Spring, MD 20910

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.

  • Are companies in Silver Spring required to provide their employees with health insurance?

    This is determined by the size of the business. Employers in Silver Spring with 50 or more employees must provide health insurance to their employees and their dependents. However, if a company has fewer than 50 employees, it is not required to provide healthcare benefits. If, on the other hand, the employer decides to provide healthcare benefits, it will be eligible for tax credits.

  • Will your Health Maintenance Organization plan be charged if you have an emergency from an out-of-network provider in Silver Spring?

    The Health Maintenance Organization (HMO) is a type of Silver Spring health insurance that pays for care provided by doctors who work for or contract with the HMO. This means that it typically only covers care provided by HMO-accredited providers. Unless it is an emergency, most HMO plans will not cover care from an out-of-network provider. In addition, policyholders are protected from unexpected medical bills as a result of receiving out-of-network care at an in-network facility for emergency services.

  • Do you have to pay anything if you received healthcare from a Silver Spring Health Maintenance Organization plan-accredited provider?

    Aside from deductibles and copayments, enrollees in a Silver Spring Health Maintenance Organization (HMO) plan are not required to pay a provider for covered services. If the policyholder receives healthcare from a non-contract provider, the policyholder must pay, and the HMO will only reimburse. Some HMO plans include a point-of-service option in which out-of-network providers accept the HMO plan and the policyholder must pay the difference between the HMO payment and the amount billed by the provider.

  • Can you see doctors and other providers who are not part of your Preferred Provider Organization (PPO) plan in Silver Spring?

    Yes, you can see doctors and other providers in Silver Spring who are not part of your Preferred Provider Organization (PPO) plan. PPO is a type of health insurance that allows policyholders to use doctors, hospitals, and providers outside of the network for a fee. PPO plans also have partnerships with certain healthcare providers, so if you choose to use their services, you will pay less.

  • What happens if your health insurance carrier in Silver Spring denies medical expenses or treatment that’s covered by your policy?

    If your health insurance provider in Silver Spring denies coverage for medical expenses or treatment outlined in your policy, they must issue a written statement. This document should include information about internal grievance and appeals process, allowing you to file an appeal if necessary. The Maryland Attorney General's Health Education and Advocacy Unit (HEAU) provides free mediation services when appealing benefit denials. You can also hire an independent medical expert or an independent review organization (IRO) to assess the medical necessity of recommended healthcare services.

  • 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.