Expertise.com

Best Health Insurance Agencies in Ofallon

2023

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Website
1001 Craig Road, St. Louis, MO 63146
  • Life Insurance
  • Health Insurance

Why choose this provider?

Halo Insurance & Benefits Group is an independent insurance and benefits group that provides health insurance products to residents and businesses in O'Fallon and the neighboring cities. It offers various Medicare-related programs such as Medicare Advantage, Medicare Supplement, Medicare Prescription Drug Plan, and long-term care insurance. Additionally, the company also has auto, home, and life insurance products available. The firm's members actively support various charities outside of work, including the Juvenile Diabetes Research Foundation and the MS Foundation.

License Verified:

License: 422878

Missouri Department of Insurance

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 (27)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1022 Peruque Crossing Ct. Ste. B, O'Fallon, MO 63366
  • Health Insurance

Why choose this provider?

Denny & Associates, Inc., is an insurance company serving customers in O'Fallon and the surrounding areas. It is a family-run business that was founded in 1982 by Dennis T. Denny and is now being led by his daughter, Kelly L. Rector, along with a team of family and friends. It offers a range of insurance products, which include health insurance, long-term care insurance, and life insurance, as well as dental, vision, and disability insurance. Short-term major medical coverage is also available.

License Verified:

License: 8006852

Missouri Department of Insurance

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 (4)
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

Website
995 Cool Springs Industrial Dr, Ofallon, MO 63366
  • Health Insurance

Why choose this provider?

Global Green Insurance Agency is a full-service and independent agency that offers health insurance solutions to clients in O'Fallon and its adjoining areas. Through its vast network of insurance carriers, it provides clients with a variety of health care options such as health maintenance organization and preferred provider organization insurance plans. The agency also assists with finding prepaid health plans for clients focused on preventive care. Lead insurance agent Joe Azar has more than 15 years of experience in the industry.

License Verified:

License: 382556

Missouri Department of Insurance

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 (8)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2930 Highway K, OFallon, MO 63368
  • Life Insurance
  • Health Insurance

Why choose this provider?

Julie Meyers is a State Farm insurance agent who serves clients in O'Fallon. She offers health insurance plans, which protect policyholders and their families from health and financial risks. Her State Farm agency provides insurance products for automobiles, businesses, homes, employees, and renters. Julie and her team also offer financial services for individuals who are ready to start planning for retirement. The insurance agency is committed to delivering insurance coverage based on the situations and objectives of clients.

License Verified:

License: 396041

Missouri Department of Insurance

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 (40)
Facebook
5.0 / 5 (14)

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

Website
2977 Highway K Suite 103, Ofallon, MO 63368
  • Life Insurance
  • Health Insurance
  • Individual Plans

Why choose this provider?

J. Walsh Insurance is an independent agency that provides customized policies to individuals, families, and business owners in the O'Fallon metro. It offers a range of personal lines of insurance, including health plans. The company aims to protect clients from financial losses caused by medical expenses. Its specialists also serve customers who want to obtain life, homeowners', and automobile insurance. J. Walsh Insurance has been delivering comprehensive risk management solutions for more than 25 years.

License Verified:

License: 8478960

Missouri Department of Insurance

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.
4.0
Google
4.0 / 5 (1)

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.