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Best Health Insurance Agencies in Billings

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2023
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Allen & Associates Insurance logo
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License Verified:

License: 100150188

Commissioner of Securities and Insurance, office of the Montana State Auditor

Allen & Associates Insurance

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2147 Overland Ave, Suite 103, Billings, MT 59102
  • Life Insurance
  • Health Insurance
  • Medicare

Business Description

Allen & Associates Insurance is an independent agency that serves clients in Billings. It offers health insurance policies for individuals and groups, including bronze, silver, gold, and platinum tiers. The agency specializes in providing small group employee benefits that include dental, vision, health savings, and health reimbursement accounts. Allen & Associates Insurance also assists individual clients with Medicare Supplements, Affordable Care Act plans, and life insurance. It is owned and operated by Dave Allen, who has been an insurance agent since 1989.

License Verified:

License: 100150188

Commissioner of Securities and Insurance, office of the Montana State Auditor

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 (21)

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
Ask Insurance logo
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License Verified:

License: 691276

Commissioner of Securities and Insurance, office of the Montana State Auditor

Ask Insurance

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3429 Central Avenue, Suite A, Billings, MT 59102
  • Medicare

Business Description

Ask Insurance is a locally owned and operated agency serving clients in Billings. It offers a wide range of health plans for seniors, including Medicare Advantage and supplement plans and stand-alone prescription drug coverage. The agency also provides dental, vision, and life plans. Ask Insurance is headed by Wendy Nelson, who has over 13 years of experience in the insurance industry. It represents multiple carriers to allow the team to create a plan that fits each client's needs.

License Verified:

License: 691276

Commissioner of Securities and Insurance, office of the Montana State Auditor

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 (13)
Google
5.0 / 5 (3)
Yelp
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
Bidlake Agency logo
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License Verified:

License: 4719

Commissioner of Securities and Insurance, office of the Montana State Auditor

Bidlake Agency

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2905 Millennium Ste 3, Billings, MT 59102
  • Life Insurance
  • Health Insurance

Business Description

Bidlake Agency is an independent insurance agency that has been serving the Billings area since 1907. Its agents help clients and their families find and apply health insurance policies that meet their financial criteria and coverage goals. These policies range from Health Maintenance Organization plans that cover medical services provided by professionals contracted by the organization to Preferred Provider Organization plan that incentivizes seeking medical care from providers in its network. Owner John Bidlake holds the Certified Insurance Counselor designation from the National Alliance.

License Verified:

License: 4719

Commissioner of Securities and Insurance, office of the Montana State Auditor

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
3.7 / 5 (3)
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
DiFronzo & Company logo

License Verified:

License: 55281

Commissioner of Securities and Insurance, office of the Montana State Auditor

DiFronzo & Company

2310 Broadwater Avenue, Billings, MT 59102
  • Life Insurance
  • Medicare Supplements
  • Health Insurance
  • Group Health Benefits

Business Description

DiFronzo & Company is an independent agency that helps clients in Billings shop for appropriate health insurance plans. It offers Medicare Supplement and Medicare Advantage for seniors. The agency has group life, dental, vision, and disability plans for businesses and organizations. DiFronzo & Company also assists individuals and families looking for individual life indemnity coverages. It carries products from various insurance providers like BlueCross BlueShield of Montana, Pacific Source, and Humana. Principal Mick DiFronzois the former president of the Eastern Montana Association of Life Underwriters.

License Verified:

License: 55281

Commissioner of Securities and Insurance, office of the Montana State Auditor

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
4.0 / 5 (4)

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
Ed Smith logo
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License Verified:

License: 16666

Commissioner of Securities and Insurance, office of the Montana State Auditor

Ed Smith

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1655 Shiloh Rd, Suite B, Billings, MT 59106
  • Life Insurance
  • Health Insurance

Business Description

Ed Smith is a State Farm insurance agent that serves Billings and its surrounding areas. Ed and his group of insurance professionals help clients find and acquire various kinds of personal and business insurance, ranging from health and life policies to home and commercial property coverage plans. They also offer financial services such as mutual funds and annuities. Ed is fluent in English and French. He has been working for State Farm for over 40 years.

License Verified:

License: 16666

Commissioner of Securities and Insurance, office of the Montana State Auditor

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
4.5 / 5 (16)
Facebook
4.2 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Frank Schwarz logo

License Verified:

License: 720342

Commissioner of Securities and Insurance, office of the Montana State Auditor

Frank Schwarz

1350 Avenue C, Billings, MT 50102
  • Medicare Supplement Insurance

Business Description

Healthcare Solutions Team serves clients in Billings and its surrounding areas. It provides a broad range of insurance products and services, including universal life and permanent life insurance, Medicare supplement plans, mortgage protection, and retirement income. Frank Schwarz, one of the firm's staff, works as an insurance agent for Bankers' Life. Schwarz works closely with his clients to assess their needs and financial situation before recommending an insurance plan that meets their requirements. Other services also include indexed universal life insurance. 

License Verified:

License: 720342

Commissioner of Securities and Insurance, office of the Montana State Auditor

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
––
Frontier Insurance Solutions Inc. logo
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License Verified:

License: 752180

Commissioner of Securities and Insurance, office of the Montana State Auditor

Frontier Insurance Solutions Inc.

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848 Main Street, Suite 16, Billings, MT 59105
  • Health Insurance

Business Description

Frontier Insurance Solutions Inc., based in Billings, is a brokerage that offers a variety of insurance programs, including health coverages. It writes health policies for children, short-term needs, emergencies, and a full range of health care. Business owners seeking to protect their employees may opt for group insurance. Medicare Advantage and Medicare Supplement Plans are also available. The firm helps clients find suitable coverage through partnering with different insurance companies. One of its insurance professionals, Max Graham, has been in the industry since 1978.

License Verified:

License: 752180

Commissioner of Securities and Insurance, office of the Montana State Auditor

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
4.7 / 5 (17)

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
New Freedom Insurance Services MT logo
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License Verified:

License: 3000781774

Commissioner of Securities and Insurance, office of the Montana State Auditor

New Freedom Insurance Services MT

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323 24th Street West, Billings, MT 59102
  • Individual Plans

Business Description

New Freedom Insurance Services MT is an independent agency in Billings that assists clients in finding suitable health policies. It offers a variety of health insurance options that include Medicare Advantage, Medigap (Medicare Supplements), prescription, dental, vision, and hospital indemnity. In addition, New Freedom Insurance Services MT has business, auto, home, and farm insurance products. The agency assists clients anywhere in Montana, Oregon, or North Dakota. Susan Walters, who has over 12 years of experience in Medicare Insurance, operates the agency.

License Verified:

License: 3000781774

Commissioner of Securities and Insurance, office of the Montana State Auditor

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)

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
Raychel R Carlson Insurance Agency, LLC logo
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License Verified:

License: 966669

Commissioner of Securities and Insurance, office of the Montana State Auditor

Raychel R Carlson Insurance Agency, LLC

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175 N 27th St Ste 1210, Billings, MT 59101
  • Individual Plans
  • Medicare Supplements

Business Description

Raychel R Carlson Insurance Agency, LLC, has been providing products and services in the Billings metro and nearby areas since 2003. It assists families and individuals in obtaining health insurance plans. The agency offers Medicare Supplement policies to protect clients from financial losses caused by medical expenses. It also assists business owners who are looking to purchase commercial property, liability, workers' compensation, and risk insurance. Owner Raychel Carlson has been in the insurance industry since 1988.

License Verified:

License: 966669

Commissioner of Securities and Insurance, office of the Montana State Auditor

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 (16)

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
RM Insurance logo

License Verified:

License: 15412

Commissioner of Securities and Insurance, office of the Montana State Auditor

RM Insurance

1211 24th Street West, Suite 7, Billings, MT 59102
  • Life Insurance
  • Medicare

Business Description

RM Insurance is an agency that serves clients in Billings. It offers a variety of health insurance options that include Medicare Advantage, Medigap, dental, and long-term care plans. Founder Rae Ann Mall is an insurance agent, who established the agency in 2012. She has over 25 years of experience working in the insurance industry in various capacities. Rae Ann is committed to helping clients in making informed decisions about coverage options that fit their needs and objectives.

License Verified:

License: 15412

Commissioner of Securities and Insurance, office of the Montana State Auditor

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.
4.5
Google
4.2 / 5 (6)
Facebook
5.0 / 5 (4)

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
Sean O'Daniel logo
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License Verified:

License: 100131928

Commissioner of Securities and Insurance, office of the Montana State Auditor

Sean O'Daniel

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1020 Shiloh Crossing Blvd Suite 3, Billings, MT 59102
  • Life Insurance
  • Health Insurance

Business Description

Sean O'Daniel is a State Farm insurance agent who serves clients in the Billings metro. He provides health insurance solutions, such as supplemental health insurance. O'Daniel also deals with short-term and long-term disability insurance. His other insurance products include life insurance, and he offers various policies like term, universal, and whole life insurance. O'Daniel has been in the industry since 2015 and served as a salesperson for the real estate company Keller Williams Realty.

License Verified:

License: 100131928

Commissioner of Securities and Insurance, office of the Montana State Auditor

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 (87)

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

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.