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Best Health Insurance Agencies in Shreveport

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Benefit Consulting Services logo
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License Verified:

License: 451591

Louisiana Department of Insurance

Benefit Consulting Services

Plaza Loop, Bossier City, LA 71111
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  • Individual Plans
  • Life Insurance

Business Description

Benefit Consulting Services is an insurance agency that serves individuals and employers in Shreveport and its surrounding areas. It provides health, dental, vision, and disability insurance options. It also addresses Medicare coverage and life insurance policy concerns. Its agents have over 100 years of combined experience in the insurance industry. In addition, Benefit Consulting Services has been assisting its clients with their insurance needs for over 20 years. The agency is also a member of the Greater Shreveport Chamber of Commerce.

License Verified:

License: 451591

Louisiana 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
Google
5.0 / 5 (3)

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
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Ducote Insurance Agency logo
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License: Active

Louisiana Department of Insurance

Ducote Insurance Agency

2299 North Cross Drive, Shreveport, LA 71107
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  • Life Insurance

Business Description

Ducote Insurance Agency offers life and health insurance solutions to clients in the Shreveport area. The business provides individual and group health insurance, both designed to protect clients against sudden financial losses. It also offers dental, disability, life, and long-term care insurance. Ducote Insurance Agency also received the Best of Bossier City Award in 2012 from the United States Commerce Association. Moreover, it represents national and regional carriers, including Aegis, Aetna, Cigna, Foremost, and the United American Insurance Company.

License Verified:

License: Active

Louisiana 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.
4.2
Facebook
5.0 / 5 (6)
Google
3.0 / 5 (4)
Garcia Insurance & Financial Services logo
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License Verified:

License: 316951

Louisiana Department of Insurance

Garcia Insurance & Financial Services

1605 Benton Road, Bossier City, LA 71111
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  • Life Insurance

Business Description

Garcia Insurance & Financial Services offers comprehensive health insurance and Affordable Health Care Plan to individuals and families throughout Shreveport and nearby areas. It is owned by Allen W. and Kimberly H. Garcia, and the company has been operating for over 30 years. Together with the insurance providers they carry, the company's professionals also offer annuities as well as insurance for cancer, critical illness, disability, and long-term care. Garcia Insurance & Financial Services also serves the states of Texas and Arkansas.

License Verified:

License: 316951

Louisiana 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
Google
4.0 / 5 (4)
Moreman, Moore & Company logo
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License Verified:

License: 129187

Louisiana Department of Insurance

Moreman, Moore & Company

820 Jordan Street, Shreveport, LA 71101
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  • Individual Plans
  • Group Plans
  • Life Insurance

Business Description

Moreman, Moore & Company is a full-service insurance agency that assists individuals, businesses, and families in Shreveport and its surrounding areas. Established in 1984, the agency offers various health insurance plans from its vast network of known insurance carriers that provide coverage for medical, surgical, and hospital expenses. Furthermore, Moreman, Moore & Company offers other personal insurance products like auto and home insurance plans. Commercial property and casualty insurance policies are also available for commercial clients.

License Verified:

License: 129187

Louisiana 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
Google
5.0 / 5 (7)

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
Parnell-Robinson Insurance logo
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License Verified:

License: 198648

Louisiana Department of Insurance

Parnell-Robinson Insurance

616 Barksdale Boulevard, Bossier City, LA 71111
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  • Group Plans
  • Life Insurance

Business Description

Parnell-Robinson Insurance is a full-service and independent agency that has been providing insurance solutions since 1969. It caters to individuals, families, and businesses in Shreveport, Bossier City, and the surrounding communities. Its team of agents crafts group health and dental insurance plans. It also offers term life, whole life, and variable life insurance policies, as well as personal umbrella, automobile, and home insurance options. Parnell-Robinson Insurance is a member of the Professional Insurance Agents of Louisiana.

License Verified:

License: 198648

Louisiana 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.
4.4
Google
4.0 / 5 (3)

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
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Frequently Asked Questions

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.

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.

What is health insurance?

Health insurance policies are contracts that require an insurer to pay some or all of a beneficiary's health care expenses in exchange for a premium and deductible. Plans cover preventive care and emergency medical services arising from an injury or illness. They may also offer optional coverage for dental and vision.

How do health insurance companies make money?

Health insurance companies make money by collecting premiums from consumers and reinvesting the funds. Federal law requires insurers to put approximately 80-85% of collected funds toward claims, and 15-20% is used to pay for administrative expenses.

What is subsidized health insurance?

Subsidized health insurance is available exclusively through the Health Insurance Marketplace. This system applies federal tax credits that can reduce or eliminate premiums. Tax credits are available to consumers who earn up to 400% of the federal poverty level based on household size.

What is a health insurance deductible? 

A deductible is a fixed amount you must pay out-of-pocket before normal copays or coinsurance rates apply. Under the Affordable Care Act, some services, such as annual physicals and wellness screenings, must be covered at no charge.

Is it illegal to not have health insurance?

No. Starting in 2019, the federal government eliminated the penalty that applied to individuals who could afford health insurance but chose not to purchase it. Financial penalties still apply in California, Massachusetts, New Jersey, Rhode Island, Vermont, and Washington, D.C.

Does health insurance cover therapy? 

All Marketplace plans must cover behavioral health care services, including counseling, inpatient care, and substance abuse treatments. However, there are coverage limits, and preauthorization may be required.

What is a copay?

A copay is a fixed price that you pay at the time of service after your deductible is satisfied. Insurance companies set specific rates for primary and specialty care and other services, such as emergency room visits and X-rays. Alternatively, plans may have coinsurance rates that require beneficiaries to pay a certain percentage of covered charges.

What is the Health Insurance Marketplace?

The Health Insurance Marketplace is a federal service designed to help consumers compare and purchase subsidized health insurance plans that comply with the Affordable Care Act. A number of states operate their own insurance marketplaces, including California, Colorado, New York, and Pennsylvania.

How can you find health insurance without a job?

Individuals who don't have access to health insurance through their job can purchase ACA-compliant plans through the Health Insurance Marketplace. Off-exchange plans are also available through private insurers and independent agents. The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives certain individuals who are losing their coverage the right to maintain the same plan for a limited time period. 

Can you cancel health insurance at any time? 

Consumers can cancel their health coverage at any time. Cancellations may be effective immediately or at a specified date. However, you must wait until Open Enrollment to sign up for a new plan unless you qualify for a Special Enrollment period.

Can you have more than one health insurance policy?

It's possible to have primary and secondary health insurance. This is most common with Medicare and Medicaid beneficiaries, including dual enrollees and individuals who purchase supplemental plans. Secondary plans can cover some additional expenses, but you're still responsible for premiums and deductibles.

Is health insurance pretax?

Premiums for employer-sponsored health plans are generally deducted from the worker's pretax income. The same is true for voluntary contributions made to Flexible Spending Accounts and Health Savings Accounts that are paired with a qualifying high-deductible health plan.

How long can a child stay on a parent\'s health insurance policy?

Children can stay on their parents' health insurance plan until their 26th birthday. There's a 60-day special enrollment period following this date. Exemptions allow disabled adult children to remain on their parents' policy beyond this age.

Do you have to pay a health insurance deductible upfront?

In most cases, out-of-pocket expenses for approved services count toward your deductible. However, it's increasingly common for hospitals to request all or part of the deductible upfront when scheduling major services, such as CT scans and surgeries.

Do employers have to offer health insurance?

The Affordable Care Act requires companies with at least 50 full-time employees to make essential health benefits available to 95% of their workforce. Companies that choose not to offer such benefits may have to pay a penalty.

Is there a tax credit for having health insurance?

The Advance Premium Tax Credit is a federal tax rebate designed to lower the cost of health insurance plans purchased through the Marketplace. Eligibility is based on income and household size. Consumers can decide how much of their tax credit to put toward their premiums.

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