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Best Health Insurance Agencies in Duluth

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Benes Insurance logo
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License Verified:

License: 1014081

The Minnesota Department Of Commerce Licensing Unit

Benes Insurance

434-B North 57th Avenue West, Duluth, MN 55807
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  • Health Insurance

Business Description

Benes Insurance is an independent agency catering to residents and businesses in Duluth. The full-service insurance agency offers a range of health care products, including individual health insurance, long-term care plans, and Affordable Care Act policies. Medicare plans are also available. Additionally, it provides life insurance and coverage for homeowners, automobiles, boats, and businesses. The staff at Benes Insurance has more than 40 years of combined experience in the industry. The brokerage also offers risk management options to policy buyers in Wisconsin.

License Verified:

License: 1014081

The Minnesota Department Of Commerce Licensing Unit

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 (9)

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
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Blue Cross Duluth Center logo
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License Verified:

License: 40487219

The Minnesota Department Of Commerce Licensing Unit

Blue Cross Duluth Center

425 West Superior Street Suite 1060, Duluth, MN 55802
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  • Health Insurance

Business Description

Blue Cross Duluth Center is a health insurance agency serving individuals and families in the metro and the surrounding areas in Minnesota for over 85 years. The company provides health care programs including dental, vision, international health, Medicare, and employer-provided plans. The agency started in 1933 and became the first prepaid health care network in the country. It has been committed to improving health care in communities and has over 2.5 million members in 50 states and four continents.

License Verified:

License: 40487219

The Minnesota Department Of Commerce Licensing Unit

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 (3)
Yelp
5.0 / 5 (1)
Cartier Agency logo
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License Verified:

License: 97

The Minnesota Department Of Commerce Licensing Unit

Cartier Agency

2631 W Superior Street, Duluth, MN 55806
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  • Group Plans
  • Health Insurance

Business Description

Cartier Agency has been providing personal and commercial insurance products to individuals in Duluth since 1979. It offers group health insurance that covers the increasing cost of medical services and prescription drugs. It also has plans for life, dental, disability, vision, and long-term care insurance. The agency engages with multiple package carriers to find coverage with suitable premiums. Its other products include farm, contractor, restaurant, and manufacturing insurance. It represents Acuity and Met Life insurance companies.

License Verified:

License: 97

The Minnesota Department Of Commerce Licensing Unit

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)

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
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Duluth Insurance Agency logo
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License Verified:

License: 40007350

The Minnesota Department Of Commerce Licensing Unit

Duluth Insurance Agency

413 South 20th Ave East, Duluth, MN 55812
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  • Health Insurance

Business Description

Duluth Insurance Agency provides customized coverages to business owners, families, and individuals in the local metro and nearby areas. It carries an array of personal lines of insurance, including health plans. The independent company helps clients acquire Medicare and MNsure policies to protect them from financial losses caused by medical bills. Its agents work with various health insurance providers, such as HealthPartners, Medica, and International Medical Group. Duluth Insurance Agency has been delivering risk management solutions for 10 years.

License Verified:

License: 40007350

The Minnesota Department Of Commerce Licensing Unit

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)
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
Holden Duluth Agency, Inc. logo
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License Verified:

License: 7622

The Minnesota Department Of Commerce Licensing Unit

Holden Duluth Agency, Inc.

5713 Grand Avenue, Duluth, MN 55807
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  • Health Insurance

Business Description

Holden Duluth Agency, Inc. is an independent insurance company founded in 1931. It offers health insurance for dental, vision, disability, and long-term care. As an independent agency, it puts its clients' best interests first and allows them to choose the most suitable carrier according to their needs. It has established long-term relationships with various insurance carriers, including AAA Wisconsin, CNA Surety, Kemper, Secura, and Acuity Insurance. A client relayed that an agent gave honest and non-biased advice on the best options for insurance coverage.

License Verified:

License: 7622

The Minnesota Department Of Commerce Licensing Unit

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
5.0 / 5 (9)
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
Nate Kahring logo
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License Verified:

License: 40272701

The Minnesota Department Of Commerce Licensing Unit

Nate Kahring

6630 Grand Avenue Suite 105, 55807, MN Duluth
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  • Life Insurance
  • Health Insurance

Business Description

Nate Kahring is a State Farm insurance agent that has been serving Duluth since 2017. He and his team help individuals, families, and senior citizens in choosing from a wide range of health insurance coverage options based on their needs and preferences. They educate clients about the available coverages such as supplemental health, Medicare supplement, and individual medical coverages. In addition to providing tailored insurance plans, Kahring's office also assists in relocations around Minnesota and Wisconsin.

License Verified:

License: 40272701

The Minnesota Department Of Commerce Licensing Unit

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 (72)
Facebook
5.0 / 5 (55)

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
Reliable Insurance Agency logo
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Reliable Insurance Agency

803 Carlton Avenue, Cloquet, MN 55720
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  • Health Insurance

Business Description

Reliable Insurance Agency is an independent business that caters to clients of all ages in Duluth. It can compare and analyze the quotes of multiple health insurance carriers, such as Metlife and Progressive. The agency explains to clients the various health insurance coverage options that include details about hospice care, ambulance rental, terminal illness coverage, and prescription and supplement plans. Reliable Insurance Agency's president Steve Micke is a certified insurance counselor who used to work for Nationwide.

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
4.4 / 5 (7)

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
––
Solutions Insurance Agencies logo
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License Verified:

License: 20298600

The Minnesota Department Of Commerce Licensing Unit

Solutions Insurance Agencies

215 North Central Avenue, Duluth, MN 55807
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  • Life Insurance
  • Health Insurance

Business Description

Solutions Insurance Agencies is an independent insurance agency that serves clients in Duluth. It offers various healthcare, group dental, and group short-term and long-term disability plans from several insurance companies that include Liberty Mutual, Travelers, and Acuity. In addition, clients can also avail themselves of insurance products that cover their motorcycles, employee benefits, properties, and commercial liabilities. Company president Tom Bergum established Solutions Insurance in 2001. Its staff has more than 200 years of combined experience in the insurance industry.

License Verified:

License: 20298600

The Minnesota Department Of Commerce Licensing Unit

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 (10)
Google
5.0 / 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.
5.0
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