Expertise.com
2024

Last updated:

Best Health Insurance Agencies in Cambridge

Our Recommended Top 3

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 Cambridge 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.

1984

Reviewed

1191

Curated

3

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
51 West Central Street Route 140, Franklin, MA 02038
  • Group Plans
  • Health Insurance

Why choose this provider?

Keefe Insurance is an independent agency that has been serving individuals and businesses in Cambridge for over 100 years. It offers group health insurance plans for employers and organizations looking to provide risk solutions to their team members. It can also assist in providing dental and vision coverage. Personal property and business liability insurance options are available. Keefe Insurance is currently owned and operated by Bob Keras and Peter Brunelli, who both have been with the agency for over four decades.

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.
4.9
Google
4.9 / 5 (103)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
860 Winter Street, Waltham, MA 02451
  • Group Plans
  • Health Insurance

Why choose this provider?

Physicians Insurance Agency of Massachusetts (PIAM) offers insurance products and services to residents of the Cambridge metro. The firm writes insurance policies such as group health plans, retiree health insurance programs, international travel medical coverage, and dental health plans. It also specializes in policies that cover healthcare professionals from liabilities, medical errors, and omissions. It offers policies from Coverys, Integris Group, and Liberty Mutual. The agency began operations in 1993 as a subsidiary of the Massachusetts Medical Society.

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
Facebook
5.0 / 5 (6)

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.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
45 Prospect Street, Cambridge, MA 02139
  • Medicare

Why choose this provider?

Reclaim is a health insurance agency serving clients in Cambridge and nearby areas. It offers a wide range of health care plans that cover medical and hospital expenses, including HMO, PPO, PFFS, and prescription drug plans. The agency assists with Medicare Advantage plans that fit the predicted health needs of each client. One of Reclaim's experts is Karen Stockdale, who has over 20 years of nursing experience and educates clients on how to navigate the healthcare system.

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.
4.5
Facebook
4.5 / 5 (47)

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.

  • In Cambridge, how can buying insurance through the online provider Commonwealth Choice be beneficial for those unable to get coverage from usual means?

    Individuals in Cambridge unable to access health insurance from their employment can benefit from buying insurance from the online provider Commonwealth Choice. The same holds true for those without coverage through their spouses or parents. Individual and family health plans, as well as special plans for healthy young adults, are available to purchasers. The provider makes it simple for them to compare various plans that meet their requirements. It is administered by a state agency and allows individuals to purchase insurance directly from private insurers.

  • Are you required to have health insurance in Cambridge?

    Yes, state laws contain what is known as an individual mandate that requires residents aged 18 and older to carry health insurance. These health plans must also meet the minimum coverage requirements. On their state income tax return, Cambridge residents whose religion prohibits them from obtaining health insurance may submit a sworn statement. Noncompliance with all of these prerequisites may result in tax penalties.

  • Is it possible to cancel health insurance in Cambridge?

    In most cases, health insurance can only be canceled if there is fraud involved or no payments are made. If a Cambridge resident is unable to pay their premiums for any reason, they have 30 days to correct the situation before the policy is canceled. If the individual has a valid reason for the cancellation, they should contact the insurance carrier or the government agency through which they enrolled in the plan.

  • Can you get free health insurance in Cambridge?

    In Cambridge, you can get free health insurance called MassHealth, which combines Children's Health Insurance Program and Medicaid. To apply, call MassHealth Customer Service at (800) 841-2900 or 711 for TDD/TTY. You can also apply by mail, with an enrollment assister, or by visiting a MassHealth Enrollment Center (MEC) by appointment. Send your completed application to Health Insurance Processing Center, PO Box 4405, Taunton, MA 02780.

  • How much does it usually cost to have health insurance in Cambridge?

    A standard individual medical insurance plan in Cambridge and throughout Massachusetts costs around $500 in monthly premiums. Expect to pay around $900 a month for high-level coverage. The actual premiums would be determined by factors such as age, zip code, gender, and others. These are also lower in people who are in good health.

  • 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.

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