Expertise.com

2024

Last updated:

Best Health Insurance Agencies in Saint Joseph

Our Recommended Top 7

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Saint Joseph Health Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

1432Reviewed

862Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

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

Why choose this provider?

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 (10)

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

Why choose this provider?

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.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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.
4.3
Google
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.
3.5
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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
Google
4.6 / 5 (12)

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

Why choose this provider?

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

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

Why choose this provider?

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)

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

Why choose this provider?

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

FAQs

  • 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.

  • When can residents of Saint Joseph enroll in the ACA health insurance?

    Residents of Saint Joseph can enroll in ACA health insurance during the Open Enrollment Period, which runs from November 1 to December 15 each year. If certain life events occur, such as marriage, relocation, childbirth, or loss of previous coverage, they may be eligible for a Special Enrollment Period. Furthermore, the federal government may declare another enrollment period. The Affordable Care Act policies provide a variety of critical benefits, with potential subsidies making premiums more affordable.

  • What dental services are covered by Medicare Part B for residents of Saint Joseph?

    Certain dental services related to other eligible medical procedures are available to Saint Joseph Medicare Part B recipients. Dental examinations prior to kidney transplants, teeth extractions prior to radiation treatments that will affect the jaw, post-accident jaw reconstruction, and outpatient evaluations prior to any oral surgery are examples of these. However, Medicare Part B does not cover routine dental care or treatments such as routine treatment, tooth removal, or replacement.

  • Can an employee in Saint Joseph keep their group health insurance after resigning from their job?

    Individuals in Saint Joseph who lose their jobs can keep their group health plan by paying for it themselves. This option, known as electing COBRA, is available following a variety of events, such as voluntary job termination or Medicare eligibility. Employees who meet the qualifications can keep their coverage for up to 18 months. Federal COBRA rules apply if the employer has 20 or more employees. Smaller employers must adhere to state mini-COBRA regulations.

  • How can individuals in Saint Joseph challenge an insurance company's decision to deny treatment?

    Individuals in Saint Joseph can file an appeal to challenge an insurance company's decision to deny treatment. They can use this procedure to provide additional information or to clear up any misconceptions about their treatment. Those with group health insurance have two options for direct appeal to the insurer, known as first- and second-level grievances or appeals. Individual plans typically have one appeal level, but some provide two.

  • Can residents of Saint Joseph purchase short-term health insurance?

    Yes, Saint Joseph residents can purchase short-term health insurance plans. However, insurers require applicants to meet certain underwriting criteria, such as being under the age of 65 or 64 and in good health. Notably, these policies do not cover pre-existing conditions, making them unsuitable for people who have chronic or ongoing medical needs.

  • 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.

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