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Best Health Insurance Agencies in Saint Joseph

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Consolidated Insurance Agents, LLC logo
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License Verified:

License: 31088

Missouri Department of Insurance

Consolidated Insurance Agents, LLC

401 N. 13th St, St. Joseph, MO 64501
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  • Life Insurance

Business Description

Consolidated Insurance Agents, LLC has been offering insurance policies in the Saint Joseph area since 1989. This agency provides individual health insurance for individuals and families seeking more comprehensive healthcare coverage. Its agents help policyholders gain financial protection against costs related to medical procedures, hospitalizations, and routine checkups. In addition, Consolidated Insurance Agents also shops for insurance plans for properties, businesses, and vehicles. It is led by president Casey Bell who has been in the industry for nearly three decades.

License Verified:

License: 31088

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.
4.4
Google
4.3 / 5 (6)
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.
4.0
Responsiveness
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Dickens Insurance Agency logo
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License Verified:

License: 8013882

Missouri Department of Insurance

Dickens Insurance Agency

1807 South Belt Highway, St. Joseph, MO 64507
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  • Health Insurance

Business Description

Dickens Insurance Agency in Saint Joseph assists clients who are looking for health insurance plans. This independent insurance agency also offers protection coverages for life, home, auto, commercial, and workers' compensation. It has been providing the insurance needs of the community for more than 35 years. To meet its goal of customer satisfaction, it offers various policies and quotes that respond to the unique needs of its clients. It represents different top insurance carriers, including Kemper, Progressive, and CFM Insurance.

License Verified:

License: 8013882

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 (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
John Joe Insurance Agency, Inc. logo
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License Verified:

License: 4969

Missouri Department of Insurance

John Joe Insurance Agency, Inc.

1802 Union St., St. Joseph, MO 64501
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  • Health Insurance

Business Description

John Joe Insurance Agency, Inc. assists customers in Saint Joseph in obtaining the health insurance they require. It is an individual health insurance specialist certified to offer Affordable Care Act Marketplace plans to clients whose employers do not provide such protection plans. The agency also provides short-term security for people who are in between jobs. In addition, it is an independent broker that helps companies customize employee benefits plans from carriers like Aetna and Humana. Todd M. Joe has been the company's president for five years.

License Verified:

License: 4969

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 (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
Makison Insurance & Retirement logo
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License Verified:

License: 8411128

Missouri Department of Insurance

Makison Insurance & Retirement

2411 Woodbine Rd, St. Joseph, MO 64506
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  • Individual Plans

Business Description

Serving the local community of Saint Joseph and neighboring areas, Makison Insurance & Retirement serves the health insurance needs of clients in the metro. This independent agency has access to a wide variety of insurance carriers and advises clients about policies that fit their needs, such as Medicare Advantage plans and Medicare Supplement Insurance Plans. It also has additional benefits like vision, dental, hearing, and prescription drug coverage. Owners Jerry and Nancy Makison have 20 years of insurance industry experience.

License Verified:

License: 8411128

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.
4.6

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
McKay Insurance Services, LLC logo
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License Verified:

License: 8036112

Missouri Department of Insurance

McKay Insurance Services, LLC

2407 North Woodbine Road, Saint Joseph, MO 64506
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  • Life Insurance

Business Description

McKay Insurance Services, LLC, is an independent brokerage serving businesses and individuals in the Saint Joseph metro and the surrounding communities. It is a health insurance service provider that offers a range of plan options, such as Medicare Supplement and Advantage plans, prescription drugs, short-term, and travel health insurance. The company's insurance professionals also help clients acquire dental, vision, and ACA insurance. McKay Insurance Services is a family-owned business that has been providing insurance solutions since 2009.

License Verified:

License: 8036112

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 (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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Nick Koeteman logo
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License Verified:

License: 8026495

Missouri Department of Insurance

Nick Koeteman

3315 North Belt Highway Suite A, Saint Joseph, MO 64506
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  • Life Insurance
  • Health Insurance

Business Description

Nick Koeteman is an insurance agent who helps clients obtain policy coverage in Saint Joseph and the neighboring areas. He offers health insurance plans, including Medicare supplement insurance, supplemental health insurance, and individual medical coverage. He also guides clients in banking, annuities, and mutual funds procedures. Koeteman has been leading a team through State Farm since 2011. He is an SCMA Vice President's Club qualifier and a member of the St. Joseph Metro Chamber of Commerce.

License Verified:

License: 8026495

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
Facebook
4.5 / 5 (57)

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
Perkins Insurance logo
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License Verified:

License: 8344893

Missouri Department of Insurance

Perkins Insurance

6303 King Hill Avenue, St. Joseph, MO 64504
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  • Medicare Supplement Insurance

Business Description

Perkins Insurance is a family-owned business that caters to clients in Saint Joseph. It provides a variety of insurance products from different carriers, which include health policies. The health insurance programs it offers include Medicare supplements, short-term nursing, and cancer plans. There is also a home healthcare benefit available to a nursing homestay, which covers some of the expenses for home health care. The firm represents several carriers, including Cigna, Americo, Equitable, and United American Insurance Company.

License Verified:

License: 8344893

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
Facebook
4.8 / 5 (68)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Will Woods logo
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License Verified:

License: 430109

Missouri Department of Insurance

Will Woods

2828 N Belt Hwy, Saint Joseph, MO 64506
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  • Health Insurance

Business Description

Will Woods is an agent who offers health insurance policies in the Saint Joseph metro. He assists clients in obtaining health plans, including individual medical coverage, Medicare Supplement insurance, and supplemental health insurance. In addition to handling clients' needs for annuities and banking, he also offers a range of personal insurance coverage, including property, life, auto, and home insurance. Will Woods leads a team under State Farm and has been with the company since 2009. His team was awarded the State Farm Chairman's Circle.

License Verified:

License: 430109

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.
4.6
Google
4.6 / 5 (50)
Facebook
5.0 / 5 (6)
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.

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