Expertise.com

Best Health Insurance Agencies in Waterford

Laurels
Laurels

We did the research for you!

Learn more
  • checkboxLicensing
  • checkboxUser Reviews
  • checkboxMystery Shopping Calls

Health Insurance Agencies FAQs

Learn more
Autumn Insurance & Benefits logo
Visit WebsiteWebsite

License Verified:

License: 960616

Michigan Department of Insurance and Financial Services

Autumn Insurance & Benefits

27333 Meadowbrook Road, Suite 230, Novi, MI 48377
Visit WebsiteWebsite
  • Individual Plans
  • Individual Health Insurance

Business Description

Autumn Insurance & Benefits is a financial services company that caters to clients in Waterford. It provides health insurance products and advises individuals on coverage options for dental and vision treatment. The company has experience offering policies from carriers like Priority Health. It deals with other personal insurance services, including homeowners', auto, life, and travel plans. The company supports multiple non-profit organizations, including The Second Mile Center of Detroit. Its president and CEO, Curt Rager, has over 20 years of industry experience.

License Verified:

License: 960616

Michigan Department of Insurance and Financial Services

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 (199)
Yelp
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Capital Insurance Group logo
Visit WebsiteWebsite

License Verified:

License: 960067

Michigan Department of Insurance and Financial Services

Capital Insurance Group

1263 W. Square Lake Road, Bloomfield Hills, MI 48302
Visit WebsiteWebsite
  • Group Plans
  • Life Insurance

Business Description

Capital Insurance Group caters to Waterford clients. It has group health and life policies, group disability, dental and vision insurance, and voluntary benefits. Its conducts an assessment of its clients’ risk profile and identifies exposures to determine the coverage they need. It assesses key areas where they are financially vulnerable and offers policies from over 15 industry-standard insurance carriers to provide solutions. Capital Insurance Group has been in the insurance industry for over 35 years.

License Verified:

License: 960067

Michigan Department of Insurance and Financial Services

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.
4.8
Facebook
5.0 / 5 (6)
Google
4.6 / 5 (5)

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
Custom Benefits Insurance Group, Inc. logo
Visit WebsiteWebsite

License Verified:

License: 1009280

Michigan Department of Insurance and Financial Services

Custom Benefits Insurance Group, Inc.

4204 Martin Road – Suite A, Commerce, MI 48390
Visit WebsiteWebsite
  • Individual Plans

Business Description

Custom Benefits Insurance Group Inc. provides individual plans in Waterford with various health insurance products, from dental and vision insurance policies to business group benefits plans. It offers plan design consultation services, where its staff meets with clients to help them customize their insurance policy according to their specifications. Annual policy reviews and regular plan updating services are also available. Crain’s Detroit Magazine featured company president and founder Bob Chiesa for his knowledge regarding the insurance industry.

License Verified:

License: 1009280

Michigan Department of Insurance and Financial Services

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 (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
DP Insurance Agency logo
Visit WebsiteWebsite

License Verified:

License: 19027380

Michigan Department of Insurance and Financial Services

DP Insurance Agency

8370 Richardson Rd., Commerce Township, MI 48382
Visit WebsiteWebsite
  • Individual Health Insurance

Business Description

DP Insurance Agency provides solutions to a wide range of insurance needs of individuals and commercial clients in Waterford and the surrounding areas. For persons suffering from a chronic illness or who have been injured, the agency has health insurance policies that cover their treatment needs. The company also offers other types of insurance, such as home, life, auto, and commercial insurance. DP Insurance Agency has access to partner carriers like Safeco Insurance, American Modern, Liberty Mutual Insurance, and Berkshire Hathaway Specialty Insurance.

License Verified:

License: 19027380

Michigan Department of Insurance and Financial Services

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Go Medicare Insurance Plans logo
Visit WebsiteWebsite

License Verified:

License: 8841152

Michigan Department of Insurance and Financial Services

Go Medicare Insurance Plans

Farmington Hills, MI
Visit WebsiteWebsite
  • Individual Plans
  • Medicare Supplement Insurance

Business Description

Go Medicare Insurance Plans is a risk management specialist that serves Waterford and nearby areas. It offers different types of Medicare Advantage plans, including Special Needs Plans, which cater to individuals with chronic medical conditions and people who reside in nursing homes. The insurance agency also provides Medicare Plan F, G, and N policies, in addition to Medicare supplement plans. UnitedHealthcare, Aetna, and Humana are some of its partner insurance carriers. Go Medicare Insurance Plans has been protecting seniors for over a decade.

License Verified:

License: 8841152

Michigan Department of Insurance and Financial Services

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
InPro Insurance Group logo
Visit WebsiteWebsite

License Verified:

License: 959136

Michigan Department of Insurance and Financial Services

InPro Insurance Group

2095 E. Big Beaver Rd Suite 100, Troy, MI 48083
Visit WebsiteWebsite
  • Individual Plans
  • Group Plans
  • Life Insurance

Business Description

InPro Insurance Group provides health insurance for residents of Waterford. It helps individuals and families navigate the insurance marketplace to acquire the right health insurance. It provides a complete line of products for individuals, groups, and businesses. It offers personalized assistance regarding commercial insurance policies and advice on the best way to protect personal assets. It works to provide comprehensive coverages and solutions for specific needs. InPro has been helping clients obtain independently crafted insurance policies since 1973.

License Verified:

License: 959136

Michigan Department of Insurance and Financial Services

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
Google
4.6 / 5 (9)
Facebook
4.5 / 5 (3)
Yelp
4.5 / 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
Klinger Benefits logo
Visit WebsiteWebsite

License Verified:

License: 11674076

Michigan Department of Insurance and Financial Services

Klinger Benefits

Waterford, MI
Visit WebsiteWebsite
  • Individual Health Insurance

Business Description

Founded in 2018, Klinger Benefits is an insurance company in Waterford. It provides personalized healthcare plan assistance to individuals, families, seniors, and small businesses for their employees. The agency represents over 100 carriers and offers numerous options to fit their personal needs. It also provides disability and long-term care insurance. In addition, it helps eligible clients qualify for coverage using Michigan Medicare Plans. Founder Carolyn Klinger has been a health insurance advisor since 2008.

License Verified:

License: 11674076

Michigan Department of Insurance and Financial Services

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 (5)
Google
5.0 / 5 (4)

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
Mike Tolbert logo
Visit WebsiteWebsite

License Verified:

License: 0092038

Michigan Department of Insurance and Financial Services

Mike Tolbert

34 S Telegraph Rd, Waterford, MI 48328
Visit WebsiteWebsite
  • Life Insurance
  • Health Insurance

Business Description

Mike Tolbert is an insurance agent who provides assistance to clients in Waterford and the surrounding areas. He manages health insurance claims and offers policies such as Medicare Supplement insurance, supplemental health insurance, and individual medical coverage. He also handles other insurance plans, including life, home, automobile, property, and business insurance. He leads a team through Michael W Tolbert Insurance Agency Inc. under State Farm, where he has been an agent since 1989. He is a Legion of Honor qualifier and a Millionaire Club qualifier.

License Verified:

License: 0092038

Michigan Department of Insurance and Financial Services

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.
4.4
Google
4.5 / 5 (40)
Facebook
4.0 / 5 (8)
Yelp
4.0 / 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
National Health Plans and Benefits Agency logo
Visit WebsiteWebsite

License Verified:

License: 15808430

Michigan Department of Insurance and Financial Services

National Health Plans and Benefits Agency

17717 Masonic Blvd., Fraser, MI 48026
Visit WebsiteWebsite
  • Individual Plans
  • Group Plans
  • Life Insurance
  • Dental and Vision Insurance

Business Description

National Health Plans and Benefits Agency serves clients in the Waterford community and nearby areas. It provides a variety of health indemnity products like supplemental health, short-term, dental or vision, and Medicare plans. The agency provides ACA-exempt options and Obamacare alternatives, informing consumers about the coverages of each product that suits their needs. It represents various insurance providers like AARP, Priority Health, Independence, and Cigna. With over 2,000 health agents, the company has served 50,000 customers.

License Verified:

License: 15808430

Michigan Department of Insurance and Financial Services

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 (5)

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
Paragon Underwriters logo
Visit WebsiteWebsite

License Verified:

License: 959377

Michigan Department of Insurance and Financial Services

Paragon Underwriters

7115 Orchard Lake Rd Suite 500, West Bloomfield Township, MI 48322
Visit WebsiteWebsite
  • Individual Health Insurance

Business Description

Paragon Underwriters is a locally owned and operated independent insurance agency that serves the residents of Waterford and the surrounding areas. It provides different types of individual and group health insurance plans. It helps its clients navigate through variables such as deductible options, co-insurance percentages, waiting periods, exclusions, and conditions. Other insurance products that it offers include life, disability, umbrella, homeowners', and auto insurance. Paragon Underwriters has been in operation for more than five decades.

License Verified:

License: 959377

Michigan Department of Insurance and Financial Services

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 (14)
Facebook
4.5 / 5 (4)

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
––
Senior Enrollment Solutions logo
Visit WebsiteWebsite

License Verified:

License: 16547059

Michigan Department of Insurance and Financial Services

Senior Enrollment Solutions

2986 W Walton Blvd, Waterford, MI 48329
Visit WebsiteWebsite
  • Individual Plans
  • Individual Health Insurance

Business Description

Senior Enrollment Solutions caters to the retirement needs of clients in Waterford. It assists senior clients in shopping for health, dental, and vision plans, as well as traveller's and ancillary policies. The agency presents Medicare supplement and advantage plans. There are also life policy options like an annuity, hospital indemnity, and final expense. Senior Enrollment Solutions is an independent agency that partners with various carriers to tailor solutions according to the needs of consumers throughout 50 US states.

License Verified:

License: 16547059

Michigan Department of Insurance and Financial Services

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.
4.8
Facebook
5.0 / 5 (5)

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 Gurney Agency logo
Visit WebsiteWebsite

License Verified:

License: 17614596

Michigan Department of Insurance and Financial Services

The Gurney Agency

691 N Squirrel Rd # 165, Auburn Hills, MI 48326
Visit WebsiteWebsite
  • Group Plans
  • Life Insurance
  • Medicare Supplement Insurance

Business Description

The Gurney Agency provides health insurance to the locals of Waterford. The agency represents a vast number of carriers that offer various insurance plans, such as group major medical, group retiree health plan, Affordable Care Act plans, non-ACA plans, and short-term major medical. Some of the brand names it carries include Blue Cross Blue Shield, Seniors Choice, McLaren Health Care, UnitedHealthOne, Allied Insurance, and Physicians Health Plan. The Gurney Agency is independent, giving its clients the ability to hand-pick their insurance carriers.

License Verified:

License: 17614596

Michigan Department of Insurance and Financial Services

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
Google
4.6 / 5 (9)
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Back to Providers

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.

Read all FAQs