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2024

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Best Health Insurance Agencies in Waterford, MI

Our Recommended Top 11

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 Waterford 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.

1381Reviewed

833Curated

11Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1263 W. Square Lake Road, Bloomfield Hills, MI 48302
WebsiteLicense: 960067

Expertise.com Rating

Review Sources

Facebook
5.0 (30)
Google
4.6 (5)

Why choose this provider?

Capital Insurance Group caters to Waterford clients. It has group health and life policies, group disability, dental and vision insurance, and voluntary benefits. Its conducts an assessment of its clients’ risk profile and identifies exposures to determine the coverage they need. It assesses key areas where they are financially vulnerable and offers policies from over 15 industry-standard insurance carriers to provide solutions. Capital Insurance Group has been in the insurance industry for over 35 years.

  • Group Plans
  • Life Insurance

17717 Masonic Blvd., Fraser, MI 48026
WebsiteLicense: 15808430

Expertise.com Rating

Review Sources

Facebook
3.8 (10)
Google
5.0 (5)

Why choose this provider?

National Health Plans and Benefits Agency serves clients in the Waterford community and nearby areas. It provides a variety of health indemnity products like supplemental health, short-term, dental or vision, and Medicare plans. The agency provides ACA-exempt options and Obamacare alternatives, informing consumers about the coverages of each product that suits their needs. It represents various insurance providers like AARP, Priority Health, Independence, and Cigna. With over 2,000 health agents, the company has served 50,000 customers.

  • Individual Plans
  • Group Plans
  • Life Insurance

691 N Squirrel Rd # 165, Auburn Hills, MI 48326
WebsiteLicense: 17614596

Expertise.com Rating

Review Sources

Google
4.6 (9)

Why choose this provider?

The Gurney Agency provides health insurance to the locals of Waterford. The agency represents a vast number of carriers that offer various insurance plans, such as group major medical, group retiree health plan, Affordable Care Act plans, non-ACA plans, and short-term major medical. Some of the brand names it carries include Blue Cross Blue Shield, Seniors Choice, McLaren Health Care, UnitedHealthOne, Allied Insurance, and Physicians Health Plan. The Gurney Agency is independent, giving its clients the ability to hand-pick their insurance carriers.

  • Group Plans
  • Life Insurance
  • Medicare Supplement Insurance

4204 Martin Road – Suite A, Commerce, MI 48390
WebsiteLicense: 1009280

Expertise.com Rating

Review Sources

Facebook
5.0 (11)
Google
5.0 (2)

Why choose this provider?

Custom Benefits Insurance Group Inc. provides individual plans in Waterford with various health insurance products, from dental and vision insurance policies to business group benefits plans. It offers plan design consultation services, where its staff meets with clients to help them customize their insurance policy according to their specifications. Annual policy reviews and regular plan updating services are also available. Crain’s Detroit Magazine featured company president and founder Bob Chiesa for his knowledge regarding the insurance industry.

  • Individual Plans

8370 Richardson Rd., Commerce Township, MI 48382
WebsiteLicense: 19027380

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

DP Insurance Agency provides solutions to a wide range of insurance needs of individuals and commercial clients in Waterford and the surrounding areas. For persons suffering from a chronic illness or who have been injured, the agency has health insurance policies that cover their treatment needs. The company also offers other types of insurance, such as home, life, auto, and commercial insurance. DP Insurance Agency has access to partner carriers like Safeco Insurance, American Modern, Liberty Mutual Insurance, and Berkshire Hathaway Specialty Insurance.

  • Individual Health Insurance

27333 Meadowbrook Road, Suite 230, Novi, MI 48377
WebsiteLicense: 960616

Expertise.com Rating

Review Sources

Google
5.0 (210)
Yelp
5.0 (1)

Why choose this provider?

Autumn Insurance & Benefits is a financial services company that caters to clients in Waterford. It provides health insurance products and advises individuals on coverage options for dental and vision treatment. The company has experience offering policies from carriers like Priority Health. It deals with other personal insurance services, including homeowners', auto, life, and travel plans. The company supports multiple non-profit organizations, including The Second Mile Center of Detroit. Its president and CEO, Curt Rager, has over 20 years of industry experience.

  • Individual Plans
  • Individual Health Insurance

2095 E. Big Beaver Rd Suite 100, Troy, MI 48083
WebsiteLicense: 959136

Expertise.com Rating

Review Sources

Google
4.7 (15)

Why choose this provider?

InPro Insurance Group provides health insurance for residents of Waterford. It helps individuals and families navigate the insurance marketplace to acquire the right health insurance. It provides a complete line of products for individuals, groups, and businesses. It offers personalized assistance regarding commercial insurance policies and advice on the best way to protect personal assets. It works to provide comprehensive coverages and solutions for specific needs. InPro has been helping clients obtain independently crafted insurance policies since 1973.

  • Individual Plans
  • Group Plans
  • Life Insurance

7115 Orchard Lake Rd Suite 500, West Bloomfield Township, MI 48322
WebsiteLicense: 959377

Expertise.com Rating

Why choose this provider?

Paragon Underwriters is a locally owned and operated independent insurance agency that serves the residents of Waterford and the surrounding areas. It provides different types of individual and group health insurance plans. It helps its clients navigate through variables such as deductible options, co-insurance percentages, waiting periods, exclusions, and conditions. Other insurance products that it offers include life, disability, umbrella, homeowners', and auto insurance. Paragon Underwriters has been in operation for more than five decades.

  • Individual Health Insurance

Farmington Hills, MI
WebsiteLicense: 8841152

Expertise.com Rating

Why choose this provider?

Go Medicare Insurance Plans is a risk management specialist that serves Waterford and nearby areas. It offers different types of Medicare Advantage plans, including Special Needs Plans, which cater to individuals with chronic medical conditions and people who reside in nursing homes. The insurance agency also provides Medicare Plan F, G, and N policies, in addition to Medicare supplement plans. UnitedHealthcare, Aetna, and Humana are some of its partner insurance carriers. Go Medicare Insurance Plans has been protecting seniors for over a decade.

  • Individual Plans
  • Medicare Supplement Insurance

2986 W Walton Blvd, Waterford, MI 48329
WebsiteLicense: 16547059

Expertise.com Rating

Review Sources

Facebook
5.0 (16)
Google
5.0 (10)

Why choose this provider?

Senior Enrollment Solutions caters to the retirement needs of clients in Waterford. It assists senior clients in shopping for health, dental, and vision plans, as well as traveller's and ancillary policies. The agency presents Medicare supplement and advantage plans. There are also life policy options like an annuity, hospital indemnity, and final expense. Senior Enrollment Solutions is an independent agency that partners with various carriers to tailor solutions according to the needs of consumers throughout 50 US states.

  • Individual Plans
  • Individual Health Insurance

Waterford, MI
WebsiteLicense: 11674076

Expertise.com Rating

Review Sources

Facebook
5.0 (5)
Google
5.0 (3)

Why choose this provider?

Founded in 2018, Klinger Benefits is an insurance company in Waterford. It provides personalized healthcare plan assistance to individuals, families, seniors, and small businesses for their employees. The agency represents over 100 carriers and offers numerous options to fit their personal needs. It also provides disability and long-term care insurance. In addition, it helps eligible clients qualify for coverage using Michigan Medicare Plans. Founder Carolyn Klinger has been a health insurance advisor since 2008.

  • Individual Health Insurance

Compare our Top Health Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Capital Insurance Group
1263 W. Square Lake Road, Bloomfield Hills, MI 48302
National Health Plans and Benefits Agency
17717 Masonic Blvd., Fraser, MI 48026
The Gurney Agency
691 N Squirrel Rd # 165, Auburn Hills, MI 48326
Custom Benefits Insurance Group, Inc.
4204 Martin Road – Suite A, Commerce, MI 48390
DP Insurance Agency
8370 Richardson Rd., Commerce Township, MI 48382
Autumn Insurance & Benefits
27333 Meadowbrook Road, Suite 230, Novi, MI 48377
InPro Insurance Group
2095 E. Big Beaver Rd Suite 100, Troy, MI 48083
Paragon Underwriters
7115 Orchard Lake Rd Suite 500, West Bloomfield Township, MI 48322
Go Medicare Insurance Plans
Senior Enrollment Solutions
2986 W Walton Blvd, Waterford, MI 48329
Klinger Benefits

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.

  • Will your spouse be able to maintain your health insurance coverage in Waterford after your death?

    Yes, if you selected the survivor option, the survivor pension recipient will be able to keep their current level of health insurance coverage in Waterford. If you designated your spouse as the beneficiary of your survivor pension, any qualifying dependents who were receiving benefits at the time of your death can continue to do so.

  • Does everyone in Waterford who earns less than 400% of the federal poverty level be eligible for a premium tax credit on a health insurance plan?

    No, not everyone in Waterford will be eligible for a premium tax credit on their health insurance plan, even though the majority of people and families with household incomes between 100 and 400 percent of the federal poverty level will be. This is because the qualification is based on the person's income in relation to the size of their family, the age of their family members, and the price of the second-lowest-priced silver plan in their county.

  • When are you permitted to modify your health insurance plan in Waterford?

    You can change your Waterford health insurance plan during the open enrollment period, which runs from November 1 to January 15. When specific changes in your life, known as qualifying events, occur, you are eligible for the special enrollment period and do not need to wait until open enrollment to make changes to your health plan. You have 60 days after the qualifying event to change your health insurance plan.

  • How do you terminate your Waterford Marketplace health insurance policy?

    You can cancel your Waterford Marketplace health insurance plan only through the Marketplace, not through your insurer. You can cancel your Marketplace plan at any time by logging into your account and clicking the Terminate/End All Coverage button. Changes occur between 24 and 48 hours after your insurer receives the most recent information from the Marketplace.

  • How much money should you put toward your Flexible Saving Account in Waterford?

    Your spending plan and anticipated healthcare costs will determine how much money you should put into your Waterford Flexible Saving Account. Remember that you must use the funds in your FSA account during the plan year or they will be forfeited. Estimate your out-of-pocket healthcare costs for the year before enrolling so you don't waste money by overfunding the FSA.

  • 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.