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Best Health Insurance Agencies in Westland

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Anita A Murray logo
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License Verified:

License: 7335659

Michigan Department of Insurance and Financial Services

Anita A Murray

505 N Wayne Rd, Westland, MI 48185
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  • Health Insurance

Business Description

Anita A Murray is a State Farm insurance agent who has been serving the Westland area since 2003. Clients looking to add to their company's health plan can get individual health insurance, which subsidizes expenses related to treatments, medical procedures, and hospitalizations. Anita also offers insurance policies for autos, homes, and properties, along with coverage for life, businesses, and pets. She also assists clients who want to invest their money in mutual funds and annuities.

License Verified:

License: 7335659

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
Google
4.7 / 5 (66)
Facebook
5.0 / 5 (13)
Yelp
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
Bobby Branch logo
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License Verified:

License: 0497053

Michigan Department of Insurance and Financial Services

Bobby Branch

8301 N. Wayne Road, Westland, MI 48185
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  • Life Insurance
  • Health Insurance

Business Description

Bobby Branch is a State Farm agent offering various insurance products like homeowners', auto, property protection, health, and life insurance policies in Westland and the surrounding regions. His four-member team also assists in resident relocations to Wayne County and caters to the commercial insurance needs of small business owners. In addition, the agency conducts financial services on mutual funds, annuities, and banking. Branch, together with his wife and two children, has been a resident of Westland for five years.

License Verified:

License: 0497053

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
Google
4.8 / 5 (191)
Yelp
3.5 / 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
Health Insurance Advisors LLC logo
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License Verified:

License: 0110751

Michigan Department of Insurance and Financial Services

Health Insurance Advisors LLC

15469 Middlebelt Road, Livonia, MI 48154
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  • Life Insurance
  • Health Insurance
  • Group Plans
  • Term Life Insurance

Business Description

Health Insurance Advisors, LLC is an agency providing health insurance to the residents of Westland. It offers group and individual options and medical insurance with the Medicare supplement program. It also offers other insurance products such as dental, annuity, life, and disability insurance. Operating for more than 10 years, it has assisted its clients in securing insurance coverage that accommodates their needs. Other affiliates include Met Life, Anthem Blue Cross, American Community Mutual, and World Insurance Company.

License Verified:

License: 0110751

Michigan Department of Insurance and Financial Services

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
––
Health Insurance Specialists logo
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License Verified:

License: 2013049

Michigan Department of Insurance and Financial Services

Health Insurance Specialists

42775 Berkdale Dr Ste 100 Belleville , MI 48111, Westland, MI 48111
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  • Life Insurance

Business Description

Affordable Health and Dental Plans is a health insurance broker serving clients in Westland. The company helps people seek the right health insurance tailored to their needs. Its independent insurance agents specialize in various health policies, including dental, vision, short-term medical insurance. The group also provides health subsidies from Medicare and American Health. Other insurance products include term life, whole life, and universal life insurance. The company's principal broker, Kevin McGuinn, has been in the insurance business for over two decades.

License Verified:

License: 2013049

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.
4.3
Facebook
4.3 / 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
Knabusch Insurance Services, Inc. logo
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License Verified:

License: 2757550

Michigan Department of Insurance and Financial Services

Knabusch Insurance Services, Inc.

2922 Lewis Avenue, Ida, MI 48140
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  • Individual Plans
  • Group Health Benefits

Business Description

Knabusch Insurance Services, Inc., offers health policies in Westland. Its representatives guide individuals and families in selecting plans that apply to their specific needs. They advise clients about the factors affecting their coverages like the age of the youngest person or the age difference between couples on the policy. They also offer group health coverages for owners and employees of businesses. Knabusch Insurance Services, which was was formed in 1917, partners with several insurance providers like Fremont, Hagerty, and United Health One.

License Verified:

License: 2757550

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
4.9 / 5 (33)
Facebook
5.0 / 5 (6)
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
––
Professional Insurance Associates logo
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License Verified:

License: 0005866

Michigan Department of Insurance and Financial Services

Professional Insurance Associates

3028 South Wayne Road, Wayne, MI 48184
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  • Health Insurance

Business Description

Professional Insurance Associates is a company serving customers in Westland and the surrounding areas. It is a family-owned and operated insurance agency that has a history that dates back to 1943. It is now owned by the third generation of the family and offers a range of products that include health, medical, home, and automobile insurance. Business owners can also get policies that cover workers' compensation, liability, and employment practices. Insurance carriers the company works with include Travelers, Progressive, and Safeco Insurance.

License Verified:

License: 0005866

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
4.4 / 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
Wayne Harris logo
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License Verified:

License: 7940409

Michigan Department of Insurance and Financial Services

Wayne Harris

33018 Warren Road, Westland, MI 48185
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  • Health Insurance

Business Description

Wayne Harris is a Westland-based insurance agent affiliated with State Farm. He and his staff help individuals and families find and apply for health, life, automobile, and home insurance. He also assists pet owners in acquiring health insurance policies for their pets. He can meet with clients in his office or their homes upon request. Harris has over a decade of industry experience and holds the Ambassador Travel Qualifier designation from State Farm. He also works as a notary public.

License Verified:

License: 7940409

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.
4.6
Google
4.6 / 5 (59)
Facebook
4.4 / 5 (13)
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
––
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