Expertise.com

Best Health Insurance Agencies in Kansas City

2024

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls
Health Insurance Agencies FAQs 〉

Providers

featured provider = Featured Provider

2603 Burlington Street, North Kansas City, MO 64116
WebsiteLicense: 8014010

Expertise.com Rating

Review Sources

Google
4.0 (28)
Facebook
5.0 (11)

Why choose this provider?

Mike Parisi is a State Farm insurance agent providing multiple insurance policies for varied clients. Mike started his State Farm career in 2000 and was appointed as an agent in 2002. Since then, he has provided Kansas City residents with different insurance plans tailored to fit their goals and budget. He specializes in providing health insurance policies encompassing supplemental health insurance, Medicare supplement, and individual medical coverage. Additionally, he offers home, property, business, life, and pet insurance.

  • Individual Plans
  • Life Insurance

8880 Ward Parkway, Kansas City, MO 64114
WebsiteLicense: 8423638

Expertise.com Rating

Review Sources

Google
4.9 (1042)
Facebook
5.0 (146)

Why choose this provider?

Mylo is a digital insurance agency affiliated with Lockton Companies. The agency can assist Kansas City clients in acquiring Medicare coverage such as Medicare Advantage and Supplement plans. Its insurance professionals can also help clients apply for other health-related insurance products such as dental, vision, and short-term medical insurance. The agency utilizes an AI-powered recommendation engine named the Mind of Mylo to help clients find insurance policies suited to their financial parameters. Mylo has received the InsurTech Innovation Award from FinTech Breakthrough.

  • Individual Plans
  • Life Insurance

4800 South Cochise Drive, Independence, MO 64055
WebsiteLicense: 425081

Expertise.com Rating

Review Sources

Google
4.0 (49)
Facebook
5.0 (1)

Why choose this provider?

Hometown Insurance Agency, LLC, provides comprehensive insurance solutions in and around Kansas City. Its personal insurance products include life and health, auto, and home insurance plans from multiple carriers, such as Dairyland Insurance and Kemper. Professionals from this company carry family and supplemental health insurance options and match clients with suitable health insurance policies. Hometown Insurance Agency, LLC, also offers notary, license, and permit services, which include fire prevention and safety. 

  • Individual Plans
  • Life Insurance

1208 West 61st Street, Kansas City, MO 64113
WebsiteLicense: 8025933

Expertise.com Rating

Review Sources

Google
5.0 (9)

Why choose this provider?

Baker Insurance Agency is headquartered in Kansas City. It offers health insurance coverage for individuals, families, and companies. As an independent agency, it carries several policies from different providers and can customize based on the needs of its clients. Baker Insurance Agency also serves as a member of Community Insurance Consultants. In addition, it provides various personal and commercial insurance policies. These include homeowners, life, auto, commercial property, business liability, and commercial umbrella insurance.

  • Individual Plans
  • Life Insurance

8407 North Crawford Avenue, Kansas City, MO 64153
WebsiteLicense: 8023665

Expertise.com Rating

Review Sources

Facebook
5.0 (11)
Google
4.3 (7)

Why choose this provider?

The Morrill Insurance Group is a team of independent brokers that has been serving individuals, families, and businesses in Kansas City and its surrounding areas since 2004. They mainly provide life and health insurance solutions to dental, disability, and long-term care needs. They also cater to clients who are looking to purchase Medicare Supplement plans. In addition, they also support the needs of small businesses through group health insurance. Short-term health insurance for a recent college graduate is also offered.

  • Individual Plans
  • Group Plans
  • Life Insurance

7301 Mission Road, Prairie Village, KS 66208
WebsiteLicense: 8018793

Expertise.com Rating

Why choose this provider?

Heartland Insurance Agency, Inc. has been providing its services as an independent agency to individuals and businesses in Kansas City and the surrounding areas since 2004. It helps clients in choosing the insurance plans that are appropriate for their needs. It offers a variety of products such as health, life, business, auto, home, and personal insurance. Its health insurance plans include Medicare, Affordable Care Act, individual and family health insurance, and individual dental insurance.

  • Individual Plans
  • Life Insurance

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.

  • What are the primary types of health insurance plans in Kansas City and their key differences?

    In Kansas City, you can opt for various health coverage types. HMOs usually have lower co-payments and emphasize preventive care but restrict provider choices. Preferred provider organizations balance cost and flexibility. Exclusive provider organizations merge aspects of HMOs and PPOs. Lastly, fee-for-service plans, though pricier, offer the most provider flexibility without network constraints.

  • How can Kansas City residents secure health insurance outside the open enrollment window?

    For Kansas City residents, the Health Insurance Marketplace is open from November 1 to January 15. If you miss this period, you may still be able to enroll if you have a qualifying life event, such as getting married or having a baby. You can also explore options from private insurers, government agencies, and your employer. It is important to be aware of all your options to ensure you have health insurance coverage throughout the year.

  • Are health insurance providers in Kansas City allowed to increase your premiums?

    In Missouri, which includes Kansas City, health insurance companies can indeed adjust premium rates. The state operates under open competition, meaning premium costs are largely determined by market competition rather than regulatory control. However, there's an exception for Medigap (Medicare supplement) insurance, where premiums undergo some level of oversight to ensure fairness. It's important to stay informed and shop wisely.

  • Can health insurance plans in Kansas City deny coverage or increase costs based on preexisting conditions?

    No. Insurers in Kansas City cannot reject your application or levy higher rates due to a health condition. Once insured, they must cover treatments for preexisting issues right away, even if you have faced denials before. However, grandfathered individual plans, which you purchase personally and not via employers, might not cover preexisting conditions. Switching to a marketplace plan during open enrollment ensures immediate coverage for such conditions.

  • How do unemployed Kansas City residents determine their health insurance options?

    If you are unemployed in Kansas City, you may be eligible for Medicaid, the Children's Health Insurance Program, or lower-cost plans through the Health Insurance Marketplace. It's not about job status but rather your household size and income. When seeking marketplace coverage, you'll declare your current earnings and provide an income forecast. This information dictates your coverage options and any financial assistance.

  • 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.