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Best Health Insurance Agencies in Columbia

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Carrie Skinner logo
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License Verified:

License: 99987901

Maryland Insurance Administration

Carrie Skinner

5525 Twin Knolls Road Suite 324, Columbia, MD 21045
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  • Medicare Supplements

Business Description

Carrie Skinner is a local State Farm insurance agent serving families and businesses in Columbia. She assists clients in finding health insurance products that fit their needs. The available options include individual medical coverage, supplemental health plans, and disability paycheck protection. Additionally, Carrie offers policies that protect automobiles, homes, jewelry, collectibles, and pets. She also helps businesses through workers' compensation, business owners' policies, and commercial auto plans. Carrie's team is multilingual, speaking English, Spanish, and Vietnamese.

License Verified:

License: 99987901

Maryland Insurance Administration

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
5.0 / 5 (36)
Facebook
5.0 / 5 (19)
Yelp
3.0 / 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.
4.0
Responsiveness
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Detail
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Commercial Insurance Managers logo
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License Verified:

License: 2898

Maryland Insurance Administration

Commercial Insurance Managers

8600 Foundry Street, Savage, MD 20763
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  • Life Insurance
  • Health Insurance

Business Description

Commercial Insurance Managers provides individual, family, and group health policies in Columbia. Its representatives get to know their clients in order to learn more about their needs and recommend options like dental, vision, long-term care, and temporary health insurance. Customers may opt for supplemental, medical expense, and prescription insurance products, as well as travel and child health policies. Commercial Insurance Managers was formed in 1989. It is an original Howard County Economic Development Authority investor.

License Verified:

License: 2898

Maryland Insurance Administration

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 (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
Consolidated logo
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License Verified:

License: 469

Maryland Insurance Administration

Consolidated

11403 Cronridge Drive, Suite 270, Owings Mills, MD 21117
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  • Health Insurance
  • Individual Plans
  • Group Plans
  • Life Insurance

Business Description

Consolidated is an insurance agency that serves clients in Columbia. It offers health insurance plans for individuals, employees, and businesses. To help companies in addressing their group health insurance benefits needs, its professionals conduct an assessment of their organizations, compare their plan offerings to others in their industry, and survey their employees. In addition to insurance products, the agency also provides risk management advice to customers. Consolidated was established in 1938 as the I.P. Trail Insurance Agency.

License Verified:

License: 469

Maryland Insurance Administration

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.
4.7
Facebook
5.0 / 5 (23)
Yelp
3.5 / 5 (8)

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
––
Jim Myers logo
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License Verified:

License: 3000999533

Maryland Insurance Administration

Jim Myers

8894 Stanford Blvd, #101, Columbia, MD 21045
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  • Health Insurance

Business Description

Jim Myers is a local insurance agent who serves clients in Columbia and nearby areas. He offers health insurance premiums that are designed based on the needs of each client. The plans may include disability paycheck protection and medical expense coverage. In addition, he has Medicare Supplement plans for seniors. He also provides life, home, and business insurance. Jim has been affiliated with State Farm Insurance since 2016. His office is open 24/7 and can accommodate virtual meetings.

License Verified:

License: 3000999533

Maryland Insurance Administration

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 (56)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
The Jacobs Co. logo
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License Verified:

License: 2408

Maryland Insurance Administration

The Jacobs Co.

7075 Samuel Morse Drive, Suite 120, Columbia, MD 21046
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  • Group Plans
  • Health Insurance
  • Individual Plans

Business Description

The Jacobs Co. is an insurance agency that caters to clients in Columbia and the surrounding areas. It provides individual and group health insurance policies, including dental and vision coverages. It also offers HSA, PPO, and HMO plans through several insurance carriers, such as Blue Cross, Kaiser, and Aetna. In addition, the agency customizes personal umbrella, recreational vehicle, watercraft, commercial property, professional liability, and workers' compensation insurance programs. Its team has more than 400 years of combined insurance experience.

License Verified:

License: 2408

Maryland Insurance Administration

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.
4.3
Google
4.3 / 5 (11)

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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