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Best Health Insurance Agencies in Lowell

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Cortez Group Insurance logo
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Cortez Group Insurance

Lowell, MA 01852
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  • Individual Plans

Business Description

Through hand-crafted plans that fit its clients' needs, Cortez Group Insurance helps families and small business owners in Lowell and the neighboring areas to mitigate their losses. Under its health insurance policy, the firm assists clients in securing on or off-exchange plans. Its team also works to enroll qualified individuals at the Massachusetts Health Connector. A.C. Michaels, its president, enjoys selling insurance, allowing him to tackle personal responsibility ideas with others. He also serves in the Army.

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 (15)
F E Provencher Insurance Agency, Inc. logo
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F E Provencher Insurance Agency, Inc.

530 Rogers St, Lowell, MA 01852
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Business Description

F E Provencher Insurance Agency, Inc., provides Lowell residents with health insurance coverage. It offers policies to secure its clients’ well-being and protect their assets. It carries auto, motorcycle, homeowners', and renters' insurance. It assesses each client’s financial situation and their desired standard of living for their dependents to provide a policy that will address their needs. The company is locally operated and owned. Owner Frank Provencher has 42 years of experience in the insurance business.

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.
4.1
Google
4.1 / 5 (56)

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.
4.0
Responsiveness
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JH Insurance Group logo
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JH Insurance Group

136 Haven St #134, Reading, MA 01867
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  • Individual Plans
  • Group Plans
  • Life Insurance

Business Description

JH Insurance Group serves individuals, families, and businesses in Lowell and the surrounding communities. It offers individual and group health insurance policies that cover clients' medical expenses when they get sick. Its professionals help customers navigate the ever-changing health insurance laws and work with a wide range of insurance carriers to find the coverage that suits their specific situations and needs. Other products include life, supplemental, and disability insurance. Josh Harrington, the agency owner, has been in the industry for 15 years.

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 (14)
Google
5.0 / 5 (4)
Life Bridge Group Inc. logo
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Life Bridge Group Inc.

2100 Lakeview Ave, Dracut, MA 01826
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  • Individual Plans
  • Group Plans

Business Description

Life Bridge Group Inc. provides health insurance to the locals of Lowell and the surrounding areas. The agency offers Medicare Supplement plans to policyholders who have Original Medicare Part A and B as it pays for services that the latter doesn't cover, such as emergency overseas travel coverage. Some of the agency's carriers include Heartland National, Humana, Cigna, and Harvard Pilgrim Health Care. Ana St. Louis founded the agency in 2019 with the mission to financially educate 10 million families within the next five years.

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 (2)
Facebook
5.0 / 5 (2)

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
Lodestar Benefits Group logo
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Lodestar Benefits Group

Dracut, MA 01826
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  • Individual Plans
  • Group Plans

Business Description

Lodestar Benefits Group provides health insurance options to the members of the Lowell community. It aids in the selection of plans that are suited to the needs of individuals or families, such as short-term policies that provide 30- to 90-day coverage. It represents a number of national and local insurance companies and offers consumers a variety of Medicare, dental and vision, and small business health protection programs. Founder Chibueze Chikere has been running the agency for the past 10 years.

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 (1)

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
New England Medical Insurance logo
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New England Medical Insurance

11 Summer Street, Suite 6, Chelmsford, MA 01824
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  • Group Plans

Business Description

New England Medical Insurance is a full-service employee benefits brokerage serving Lowell. It has been in the industry for over 35 years, designing and implementing full and self-funded medical and dental plans. The firm also offers life, dental, vision, and long-term care insurance, in addition to individual disability protection. It maintains a partnership with various companies, including Benefit Strategies and HealthEquity. Steve Mallette, its managing partner, served on the board of directors of the Massachusetts Association of Health Underwriters.

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.
4.0
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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