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Best Health Insurance Agencies in Asheville

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2023
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Adams & Brown Insurance Agency Inc logo
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License Verified:

License: 1000013037

North Carolina Department of Insurance

Adams & Brown Insurance Agency Inc

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2144 Hendersonville Road, Arden, NC 28704
  • Group Plans

Business Description

Adams & Brown Insurance Agency Inc. is a full-service independent agency that has been in the business since 1995. It serves clients in Asheville and the surrounding communities. It offers different types of health insurance policies, including fee-for-service and managed care. These plans can cover hospital, medical, and surgical expenses. It also provides both Medicare Advantage and Medicare Supplemental plans. Adams & Brown Insurance Agency represents different carriers, such as Lincoln Financial Group, MetLife, and UnitedHealthcare.

License Verified:

License: 1000013037

North Carolina Department of Insurance

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
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Asheville Senior Benefits logo
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License Verified:

License: 5434901

North Carolina Department of Insurance

Asheville Senior Benefits

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191 Haywood Road, Asheville, NC 28806
  • Health Insurance

Business Description

Asheville Senior Benefits is an insurance agency that specializes in Medicare insurance solutions for senior citizens located in the area and its surrounding communities. It offers Medicare supplement insurance, Medical prescription drug plans, and Medicare Advantage plans that include HMO and special needs plans. In addition, Asheville Senior Benefits also helps its clients analyze different carriers and policies, even accommodating those who want to discuss their options outside of the agency's office. John Daly, who has been in the field since 1995, leads the team.

License Verified:

License: 5434901

North Carolina 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 (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
Carolina Mountain Insurance Services logo

License Verified:

License: 1000003054

North Carolina Department of Insurance

Carolina Mountain Insurance Services

69 Westridge Market Place, Candler, NC 28715
  • Individual Plans
  • Life Insurance

Business Description

Carolina Mountain Insurance Services is an independent insurance agency that has been serving individuals and businesses in Asheville since 1997. It offers health insurance policies as well as Medicare Supplement and Medicare Advantage plans. Additionally, it provides life, long-term care, and vision and dental insurance products. Owner Pat Atkins has been working in the insurance industry since 1979. She holds various designations, including Certified Enrollment Specialist and Certified Senior Advisor. She is a member of the National Association of Health Underwriters.

License Verified:

License: 1000003054

North Carolina 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
5.0 / 5 (9)
Google
5.0 / 5 (4)
General Insurance Services Inc logo
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License Verified:

License: 1000008800

North Carolina Department of Insurance

General Insurance Services Inc

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982 Haywood Road, Asheville, NC 28806
  • Individual Plans
  • Life Insurance

Business Description

General Insurance Services Inc. is an insurance brokerage firm based in Asheville. Since 1975, the family-owned company has been providing managed care health insurance options. In addition, its team also offers long-term care and disability insurance programs. General Insurance Services has five locations throughout North Carolina. All of its offices are voicemail-free, which means clients get to speak with a live agent for their insurance needs, whether it's auto, home, business, or life insurance.

License Verified:

License: 1000008800

North Carolina 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.
4.1
Google
4.0 / 5 (52)
Facebook
5.0 / 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
WNC Health Insurance logo

WNC Health Insurance

64 Long Shoals Road, Asheville, NC 28704
  • Life Insurance

Business Description

WNC Health Insurance is a health insurance agency that serves clients from Asheville and nearby areas. The firm provides a wide range of health insurance products that cover short-term or long-term disability, critical illness, vision, and dental needs. Medicare packages are also offered by the firm. Its team of insurance professionals is well-versed in handling the needs of individuals, families, HR experts, and employers. WNC Health Insurance has been providing insurance solutions to the community since 1994.

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 (38)
Yelp
3.0 / 5 (2)

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.