Expertise.com

2024

Last updated:

Best Health Insurance Agencies in Somerville, MA

Our Recommended Top 5

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 Somerville 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.

1512Reviewed

909Curated

5Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

190 East Main St., Marlboro, MA 01752

Expertise.com Rating

Review Sources

Google
4.1 (26)
Facebook
5.0 (1)

Why choose this provider?

Downey Insurance Group is an independent agency serving personal and commercial clients in Somerville. It offers employee group health insurance solutions, as well as large or small business insurance packages that include a custom combination of group benefits, commercial property, and general liability options. Its personal insurance options include coverage for life, automobiles, homes, pets, and weddings. ​Downey Insurance Group also provides financial services for IRA, college plans, estate tax analysis, and portfolio analysis. It is affiliated with MAPFRE Insurance.

  • Group Plans
  • Health Insurance
  • Employee Benefits

15 Central Street, Andover, MA 01810

Expertise.com Rating

Review Sources

Facebook
5.0 (10)
Google
5.0 (6)

Why choose this provider?

Samel Insurance Agency Inc. provides personal and commercial insurance plans to individuals and businesses in Somerville and nearby areas. The full-service independent agency offers a wide range of products, including health, life, automobile, homeowners, and travel insurance. Owner Jonathan Samel established the agency in 1987. He is a certified insurance counselor and a licensed insurance advisor. Samel Insurance Agency is a member of the Independent Insurance Agents Association and the National Instar Users Group.

  • Life Insurance

860 Winter Street, Waltham, MA 02451

Expertise.com Rating

Review Sources

Facebook
5.0 (5)

Why choose this provider?

Physicians Insurance provides policies in the area of Somerville and its neighboring communities. It has partnerships with over 30 insurance companies that provide coverage options for its clients. It offers health, professional liability, and commercial insurance. It serves physicians and their dependents, practice managers, retired clinicians, and physicians’ employees. It provides group and retiree health insurance, MetLife retiree dental plans, and medical insurance for international travel. It has been serving physicians with insurance coverage since 1993.

  • Individual Plans

14 Dinley St, Dracut, MA 01826

Expertise.com Rating

Review Sources

Google
5.0 (15)
Facebook
5.0 (6)

Why choose this provider?

With offices in Medford and Dorchester, Coughlin Insurance has been operating since 1925. The business serves clients in Somerville and nearby areas. It provides group health insurance products for employers and advises on related issues like deductibles. It handles other business insurance solutions, including cyber liability and manufacturers insurance. It has experience creating custom solutions for various businesses, from car washes and restaurants to convenience stores and salons. The company also deals with personal insurance products like auto and life insurance.

  • Group Plans
  • Health Insurance
  • Group Health Benefits

17 Charles Street, Malden, MA 02148

Expertise.com Rating

Review Sources

Google
5.0 (13)

Why choose this provider?

Avanti Insurance, Inc., is a health insurance company serving residents in Somerville. The firm provides group health insurance plans designed for families and employees. The company also has a wide selection of other insurance policies for classic cars, condominiums, mobiles homes, and workers' compensation. Its team of insurance professionals caters to Italian-speaking customers as well. Presently led by Anthony Celani Jr., Avanti Insurance has been providing its services to the members of the community since 1986.

  • Group Plans

Compare our Top Health Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Downey Insurance Group
190 East Main St., Marlboro, MA 01752
Samel Insurance Agency Inc.
15 Central Street, Andover, MA 01810
Physicians Insurance
860 Winter Street, Waltham, MA 02451
Coughlin Insurance
14 Dinley St, Dracut, MA 01826
Avanti Insurance Agency
17 Charles Street, Malden, MA 02148

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 you allowed to cancel your personal health insurance coverage in Somerville?

    You are allowed to cancel your personal health insurance coverage in Somerville, but it is not advised to do this unless you have alternative insurance in place that satisfies the minimal requirements for creditable coverage. Keep in mind that Massachusetts law mandates that all citizens have health insurance, so failing to have insurance or having insurance that does not meet the criteria may result in tax fines.

  • Can Somerville health insurance providers ask you about your medical history when you request a quote?

    When you get a quotation from a Somerville health insurance provider, they cannot inquire about your medical history, such as if you have any pre-existing diseases or what drugs you are taking. They must only obtain your name, age, and contact information, as well as whether you're seeking insurance for just yourself or for you and any family members who would be included in the coverage.

  • What expenses are involved in a Medicare plan in Somerville?

    Depending on the plan they select and the services they require, an individual's Medicare plan premium in Somerville will vary. Most cover these Medicare expenses:

    • Deductible, the sum of one's medical expenses each year or benefit period.
    • Coinsurance or copayment, a portion of medical expenses, or a flat amount per service.
    • Monthly premium, the cost a person must pay on a monthly basis.
    • Coverage gap, the additional expense of medical care after a person has used up all of their benefits.
  • What is covered by Somerville's One Care?

    A program called One Care will offer health insurance to disabled, non-elderly individuals who qualify for Medicare and MassHealth in Somerville. All the services MassHealth and Medicare typically cover are also covered by One Care. Behavioral health services provided in the community are sometimes included in One Care plans.

  • Who is covered by Somerville's Children's Health Insurance Program?

    Children's Health Insurance Program in Somerville provides coverage for kids up to age 19 living in four-person households with a yearly income of $50,000. Children must be U.S. citizens or immigrants legally present in the country to qualify for CHIP. CHIP applications can be made by the child's parents, grandparents, or other legal guardians.

  • 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.