Expertise.com

Best Health Insurance Agencies in Charlotte

2024

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Providers

featured provider = Featured Provider

8316 Medical Plaza Drive, Charlotte, NC 28262
WebsiteLicense: 1000012803

Expertise.com Rating

Review Sources

Google
4.8 (48)
Facebook
5.0 (9)
Yelp
1.0 (2)

Why choose this provider?

Parks Insurance Group offers health insurance options to individuals and businesses in the Charlotte area. The professionals in this company aim to provide its clients with an insurance plan tailored to their needs. They offer various employee benefits, such as health, disability, vision, dental, and group life insurance. Parks Insurance Group is also licensed in multiple states, including Georgia, Virginia, Texas, Minnesota, and North Dakota. Moreover, it works with various insurance carriers, such as Nationwide, Travelers, Chubb, CNA, and Liberty Mutual.

  • Life Insurance

1523 Elizabeth Avenue, Charlotte, NC 28204
WebsiteLicense: 1000011805

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Review Sources

Facebook
4.0 (36)
Google
4.0 (7)
Yelp
5.0 (1)

Why choose this provider?

Main Street Insurance Group is an independent insurance agency serving Charlotte and the surrounding areas. It has provided health insurance services for individuals and businesses for over 120 years. In addition to health insurance, it specializes in home, auto, and valuable possessions insurance. It also provides policies to businesses, agriculture, and other industries. The company has partnered with different carriers, such as American Collectors Insurance, and AmTrust Financial, to provide solutions that best fit the clients' needs.

  • Life Insurance
  • Individual Plans

106 West Arrowood Road, Charlotte, NC 28217
WebsiteLicense: 8464927

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Review Sources

Google
4.0 (14)
Facebook
4.0 (4)

Why choose this provider?

Pegram Superior Insurance is a health insurance provider that serves clients in Charlotte. It is an independent insurance agency that represents multiple insurance carriers. It offers health insurance plans, including HMO plans, major medical plans, surgical policies, dread disease policies, and hospital indemnity plans. It also provides group health insurance which carries preferred provider organization plans and health savings accounts. Pegram Superior Insurance represents National General Insurance, Progressive, and BlueCross BlueShield of North Carolina.

  • Life Insurance
  • Individual Plans

2210 Crownpoint Executive Drive, Charlotte, NC 28227
WebsiteLicense: 1000012633

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Review Sources

Google
4.7 (18)
Facebook
5.0 (4)

Why choose this provider?

O.H. Walker Insurance Agency is a family-owned and independent business that has been providing insurance solutions to individuals, families, and businesses in Charlotte and the surrounding areas since 1962. It offers Medicare Supplement plans to cover gaps in the clients' Medicare insurance policies. It also carries group health, dental, vision, long-term care, and disability insurance programs. In addition, the agency provides individual life, final expense, mortgage protection, general liability, workers' compensation, and commercial auto insurance plans.

  • Individual Plans
  • Life Insurance

2137 Chatham Avenue, Charlotte, NC 28205
WebsiteLicense: 1000019606

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Southeast Insurance Solutions, Inc., is a Charlotte-based independent health insurance agency. Owned by Kent Kingsley, the agency represents major health carriers and offers an array of products, such as individual, child, and group health, maternity, and disability insurance. It also provides assistance with inclusive health, which provides coverage to eligible community members who do not have access to an employer-sponsored health plan or have been denied individual coverage. The consultants at Southeast Insurance Solutions educate clients to help them make informed decisions.

  • Individual Plans

4350 Congress Street, Charlotte, NC 28209
WebsiteLicense: 7097385

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Review Sources

Google
5.0 (571)
Yelp
5.0 (1)

Why choose this provider?

Health Plans of NC is an independent agency established in 2005. The business offers health insurance solutions exclusively from Blue Cross Blue Shield of North Carolina. It has more than 20 authorized insurance agents that can help clients in Charlotte and nearby areas choose a health policy for their needs. Clients will not have trouble searching for participating healthcare providers because the firm can give you access to a large statewide network of more than 1,600 physicians.

  • Individual Plans
  • Group Plans

6401 Carmel Road, Charlotte, NC 28226
WebsiteLicense: 1000012126

Expertise.com Rating

Review Sources

Google
4.0 (4)

Why choose this provider?

North Carolina Business Insurance Agency is an independent insurance agency that provides insurance services to residents and businesses in Charlotte, Queen City, and surrounding communities. For 16 years, it has carried health insurance plans like disability, dental, and voluntary products through employee health benefits. The company also provides personal insurance products like life, auto, and flood insurance plans. Michael Goodman established the agency in 2005. It is also licensed to operate in Georgia, South Carolina, Tennessee, Virginia, and Washington D.C.

  • Life Insurance

13925 Ballantyne Corporate Place, Charlotte, NC 28277
WebsiteLicense: 1000346527

Expertise.com Rating

Review Sources

Google
4.0 (41)

Why choose this provider?

The Jordan Insurance Agency is a locally owned independent agency that has been serving Charlotte and the surrounding areas for more than 15 years. It offers various health insurance products that cover common medical expenses like hospitalization and surgery, prescription drugs, dental and vision plans, and short-term and long-term disability. Additionally, it also offers other solutions like auto, life, and business insurance. Billy Jordan started the company to help people avoid the same frustration and difficulty he experienced when his mother suffered from an illness.

  • Life Insurance
  • Medicare
  • Home and Auto Insurance

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.

  • What should a Charlotte resident look for when shopping for health insurance?

    A Charlotte resident should look for coverage that includes all the services they need, including visits to the doctor, hospitalization, and medications. They should choose a plan with deductible and copayment amounts they are comfortable paying. They should also select an insurer with a stable reputation for good customer service and communication. Most importantly, they should choose a policy with an overall cost that fits their budget.

  • Should a Charlotte resident enroll themselves in a health insurance plan or ask assistance from an agent?

    Charlotte residents may enroll themselves in a health insurance plan if they are knowledgeable and confident in understanding the various policy options, including their limitations and benefits, in order to select the plan that best meets their budget and needs. It may be advisable to seek the help of a licensed agent to provide guidance in the purchasing process and the policy’s fine print, as well as assist in issues concerning billing and claims.

  • Who among Charlotte’s residents are qualified for Obamacare health insurance?

    Charlotte residents who qualify for the ACA or Obamacare are those who have an eligible household size and income. They should have an income of 100 to 400% of the Federal Poverty Level or FPL to be qualified for premium tax credits. Income from 100 to 250% of the FPL could qualify them for cost-sharing reductions in a silver Marketplace plan. An income of a maximum of 138% of the FPL could qualify them for Medicaid.

  • How many tiers of health insurance plans are there in Charlotte?

    There are three tiers or basic levels of Charlotte health insurance plans. The first tier, known as bronze plans, is the most affordable, with 60% coverage of medical care expenses. Silver plans have a medium coverage of 70%, while gold plans have 80% coverage. As a plan’s tier increases, its premium also increases while its deductible decreases.

  • How many plans does Medigap offer Charlotte residents?

    Medigap offers Charlotte residents 10 plans that are labeled from A to D, F, G, and K to N. These plans are regulated by the federal government and have the same benefits across different insurance companies. The plans differ in monthly premium costs, deductibles, co-sharing, and benefits. Out of all the plans, plan F is the most comprehensive.

  • 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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