Expertise.com

2024

Last updated:

Best Health Insurance Agencies in Rochester Hills

Our Recommended Top 6

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 Rochester Hills 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.

1407Reviewed

846Curated

6Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

441 South Livernois, Rochester Hills, MI 48307
WebsiteLicense: 994286

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Health Insurance Consultants helps individuals and groups in Rochester Hills in finding health insurance plans that suit their needs and financial capabilities. Among the health insurance options available for clients are Medicare supplements, disability, long-term care, and individual health insurance. The independent insurance agency also represents several insurance companies, including UnitedHealthcare, Blue Care Network, Delta Dental, and Humana. The company's founder, James D. Bokshan, has more than 25 years of experience in the insurance industry.

  • Individual Plans
  • Group Plans
  • Life Insurance

Hayes Road, Utica, MI 48315
WebsiteLicense: 3903581

Expertise.com Rating

Review Sources

Google
5.0 (40)

Why choose this provider?

Courtney Seibold is an insurance professional who has been with State Farm for over 20 years. She caters to clients in Rochester Hills and the surrounding areas. She offers health insurance products, including individual medical, Medicare Supplement, and supplemental health insurance plans. She also provides other insurance policies, such as auto, business, home, life, and property. Courtney started her career with State Farm as an agent team member. She later opened her own branch agency in 2018.

  • Individual Plans
  • Life Insurance

7817 McClellan Street, Utica, MI 48317
WebsiteLicense: 3823157

Expertise.com Rating

Review Sources

Facebook
5.0 (8)
Yelp
5.0 (1)

Why choose this provider?

John J. Boyd and Associates Inc. is a local insurance company providing individual and group health policies to clients in Rochester Hills. As an independent insurance agency, the firm represents various carriers that underwrite different kinds of health insurance plans. These include major medical, dental, vision, disability, and long-term care. The team also delivers supplemental insurance for critical illness, accidents, travel, and Medicare plans. Boyd is a local insurance agent from Macomb County who has been insuring individuals and businesses since 1981.

  • Life Insurance
  • Health Insurance

50551 Van Dyke Avenue, Shelby Township, MI 48317
WebsiteLicense: 0080630

Expertise.com Rating

Review Sources

Google
4.0 (29)
Facebook
4.0 (26)
Yelp
2.0 (3)

Why choose this provider?

Custom Insurance Agency is a fully independent firm offering health insurance in Rochester Hills and the surrounding communities. The company was founded by David Giancola in 2006, who has been working with individuals and business owners dealing with insurance-related matters for nearly four decades. He leads a team of insurance professionals dedicated to providing clients with personalized coverage designed to their unique needs. They also assist business owners in finding employee benefits solutions with group medical insurance plans.

  • Life Insurance

7410 M E Cad Boulevard, Clarkston, MI 48348
WebsiteLicense: 13486560

Expertise.com Rating

Why choose this provider?

Walters Financial Group is an independent insurance agency that has been serving Rochester Hills and Clarkston for 30 years. It offers a wide selection of health insurance products, including individual and group medical coverage, Medicare supplements, cancer and disability insurance, and vision and dental coverage. It also provides financial plan design and investment services, such as estate planning, personal financial analysis, annuities, and college funding programs. Walters Financial Group is a family-owned business and is committed to serving clients with integrity, loyalty, and honesty.

  • Life Insurance

14460 Lakeside Circle, Sterling Heights, MI 48313
WebsiteLicense: 8291161

Expertise.com Rating

Why choose this provider?

Professional Benefit Source is a company providing health insurance services to residents of Rochester Hills and the surrounding areas. It offers several products such as group health (PPOs and HMOs), high deductible HSA and HRA, dental and vision, and life and disability insurance policies. The company is partnered with several insurance carriers such as HealthPlus, Delta Dental, Humana, and McLaren. Professional Benefit Source has a professional staff with over 20 years of experience in the industry.

  • Life Insurance

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.

  • What is the Healthy Michigan Plan, and how does it affect cost-sharing for Rochester Hills residents?

    In Rochester Hills, the Healthy Michigan Plan offers health benefits to low-income individuals. If one earns between 100-133% of the federal poverty threshold, they contribute 2% of their yearly income. Additionally, standard Medicaid co-pays apply to all under this plan. The combined costs, including these co-pays, won't exceed 5% of a year's household income. Payments are made via the MI Health Account.

  • What does an "adverse determination" mean for Rochester Hills residents, and what can they do if they don't agree with it?

    In Rochester Hills, an "adverse determination" or denial signifies that a health claim has been partly or fully rejected. This can happen due to a delay or no response from your insurance provider. If you contest this decision, initiate an internal appeal with your insurer. If unsatisfied, you can present an external appeal to the Department of Insurance and Financial Services, either online or via a paper form, within 127 days from the denial's final date.

  • What types of health insurance plans fulfill the Affordable Care Act's criteria in Rochester Hills?

    In Rochester Hills, to meet the Affordable Care Act's stipulations, one's health insurance must offer minimum essential coverage. This encompasses individual or group health schemes, Medicaid, Healthy Michigan Plan, or Medicare. Primary medical plans rendering MEC include the Health Maintenance Organization, HMO Point-of-Service Plan, Preferred Provider Organization, Preferred Provider Arrangement, and High Deductible Plans.

  • Who is eligible for a catastrophic health plan in Rochester Hills?

    In Rochester Hills, residents can opt for a catastrophic health plan if they're below 30 or above 30 but fit hardship exemption criteria, like a canceled plan by their insurer. These plans offer lower monthly fees with higher deductibles. After reaching the deductible, the insurer covers most treatments. However, residents can't pair them with subsidies or health savings accounts, but they do include essential health benefits.

  • Who qualifies for health insurance subsidies in Rochester Hills?

    Eligibility of individuals in Rochester Hills for health insurance subsidies hinges on income relative to the Federal Poverty Level, family size, and local insurance costs. An individual earning around $47,000 or a family of four with an income near $97,000 may be eligible. Those earning less, approximately $29,000 for singles or $60,000 for a family, might access both subsidy types.

  • 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.