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Best Health Insurance Agencies in Winston Salem

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Bankers Life logo
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License Verified:

License: 1000442923

North Carolina Department of Insurance

Bankers Life

450 West Hanes Mill Road, Winston-Salem, NC 27105
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  • Individual Plans
  • Life Insurance

Business Description

Operating from Winston Salem, Bankers Life is a team of insurance agents that helps clients plan how to manage income, health, and care expenses upon retirement, including final expenses. They can assist clients in achieving the financial security that will cover risks, health, and medical care expenses, and manage debts while maintaining their lifestyle costs. Depending on a client's specific circumstance, Bankers Life offers insurance options that can provide dependable sources of funds for retirement. It has been serving clients since 1879.

License Verified:

License: 1000442923

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.
4.0
Google
4.0 / 5 (15)
Facebook
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
Blue Moon Benefits Group logo
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License Verified:

License: 1000006232

North Carolina Department of Insurance

Blue Moon Benefits Group

3540 Clemmons Road, Clemmons, NC 27012
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  • Life Insurance

Business Description

Blue Moon Benefits Group is a health insurance firm serving residents in Winston Salem and the surrounding areas. The company offers a variety of health insurance products, such as Medicare, vision, and dental plans. Additionally, small group health insurance and short-term medical plans are also available. The company is owned by Michael York, an insurance professional who has been working in the industry since 1991. Two of the firm's insurance carriers are Humana and Mutual of Omaha.

License Verified:

License: 1000006232

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 (167)
Facebook
5.0 / 5 (60)

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
Breeden Insurance Services Inc logo
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License Verified:

License: 1000006387

North Carolina Department of Insurance

Breeden Insurance Services Inc

12200 North Carolina 150, Winston-Salem, NC 27127
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  • Individual Plans
  • Life Insurance

Business Description

Breeden Insurance Services, Inc. is located in Lexington and serves customers in Winston Salem. It has partnered with a number of insurance companies, giving clients access to various plans that best meet their requirements. Its list of products includes individual and family health insurance, dental, disability insurance, vision insurance, and long-term care insurance. It also offers final expense insurance and fixed annuities. Breeden Insurance has been owned by the same family since 1967 and has over 25 insurance professionals on staff.

License Verified:

License: 1000006387

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.
4.5
Google
5.0 / 5 (5)
Yelp
1.0 / 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
Gill and Associates Insurance Agency logo
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License Verified:

License: 1000349073

North Carolina Department of Insurance

Gill and Associates Insurance Agency

5335 Robinhood Village Drive, Winston-Salem, NC 27106
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  • Life Insurance

Business Description

Gill and Associates Insurance Agency addresses the various insurance needs of the people of Winston-Salem. An independent insurance agency, it is partnered with several reputable carriers, enabling its agents to provide clients with coverage plans that will fit their individual needs and preferences. The insurance products it offers include Medicare plans that shoulder many covered medical expenses of clients. Additionally, Gill and Associates Insurance Agency also offers term, universal, and whole life insurance policies, as well as annuities.

License Verified:

License: 1000349073

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 (1)
Holdenrid Insurance Group logo
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License Verified:

License: 1912955375

North Carolina Department of Insurance

Holdenrid Insurance Group

1411 Trade Mart Blvd, Winston-Salem, NC 27127
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  • Life Insurance

Business Description

Holdenrid Insurance Group is an agency that provides financial advising and health insurance services to clients in Winston Salem. Working with Progressive and Liberty Mutual, the agency offers insurance coverage for critical illnesses, accidents, and workplace benefits. Additionally, it allocates a portion of its income to support the charity efforts of Second Harvest Food Bank of Metrolina and Winston-Salem Rescue Mission. Michael Holdenrid acts as the agency's president and simultaneously serves as the treasurer of Mt. Holly Rotary Club.

License Verified:

License: 1912955375

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)

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
Hunt Insurance Solutions logo
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License Verified:

License: 1000160892

North Carolina Department of Insurance

Hunt Insurance Solutions

615 Saint George Square Court, Winston-Salem, NC 27103
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  • Individual Plans
  • Life Insurance

Business Description

Hunt Insurance Solutions is a health insurance agency that operates in Winston Salem. It was established by Melissa Hunt, an insurance agent with over 17 years of experience who has also worked as a national sales manager. She and her team cater to all kinds of clients, from families to avid travelers. The agency can provide Medicare plans that include hospital service, ambulance charges, and prescription payments. It also provides specialized plans to cover dental plans and cancer-related expenses. Additionally, Hunt Insurance Solutions offers term-life and whole-life insurance plans.

License Verified:

License: 1000160892

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 (39)
Facebook
5.0 / 5 (18)

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
InsureSTAT logo
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License Verified:

License: 1000552568

North Carolina Department of Insurance

InsureSTAT

524 Trade Street Northwest, Winston-Salem, NC 27101
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  • Individual Plans

Business Description

InsureSTAT is an insurance agency specializing in disability insurance for individuals in the medical field in the Winston Salem area. The agency offers various specialized options such as physician disability insurance, physician's assistant and nurse disability insurance, resident disability insurance, and medical student loan disability insurance. InsureSTAT has an exclusive endorsement from UNC Medical Center Chapel Hill and Wake Forest Baptist Medical Center for its physician disability insurance product for physicians in private practice or those hospital-employed.

License Verified:

License: 1000552568

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 (6)
Facebook
5.0 / 5 (3)
ISAA Insurance & Financial Services logo
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License Verified:

License: 6572688

North Carolina Department of Insurance

ISAA Insurance & Financial Services

1311 Westbrook Plaza Drive Suite #107, Winston-Salem, NC 27103
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  • Individual Plans
  • Life Insurance

Business Description

ISAA Insurance & Financial Services is a female-owned and independent insurance agency that serves individuals, families, and businesses in Winston-Salem and its surrounding areas. It specializes in providing health insurance products for individuals and groups, including group dental and group disability insurance. The company also provides auto, home, commercial, and retirement insurance products to its clients. Moreover, it offers financial and retirement planning solutions, as well as business income coverage and business interruption insurance.

License Verified:

License: 6572688

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 (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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
L&L Insurance logo
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License Verified:

License: 6598364

North Carolina Department of Insurance

L&L Insurance

2120 Old Lexington Road, Winston-Salem, NC 27107
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  • Individual Plans
  • Life Insurance

Business Description

L&L Insurance offers a variety of health protection options for clients in Winston Salem. Its offered health care policies include HMO plans, major medical coverages, surgical policies, dread disease policies, and hospital indemnities. The company's agents also assist in enrolling for individual plans through the Affordable Care Act. They help shoppers look for auto, home, life insurance, and commercial insurance products. L&L Insurance is an independent agency representing AAA, Berkley, and Chubb.

License Verified:

License: 6598364

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.
4.0

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
McGriff logo
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License Verified:

License: 1000006017

North Carolina Department of Insurance

McGriff

101 North Cherry Street, Winston-Salem, NC 27101
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  • Individual Plans

Business Description

McGriff Insurance Services, Inc., serves the insurance needs of residents and businesses in Winston-Salem and the surrounding communities. It carries health insurance options like long-term care, disability, and Medicare plans. It also has other personal insurance offerings, including coverage for properties and vehicles. Additionally, it provides commercial insurance services that include business auto and commercial liability policies. McGriff's origins can be traced back to 1886. Currently, the insurance agency is part of Truist Insurance Holdings, Inc..

License Verified:

License: 1000006017

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 (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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Mountcastle Insurance logo
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License Verified:

License: 2379030

North Carolina Department of Insurance

Mountcastle Insurance

916 West 4th Street, Winston-Salem, NC 27101
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  • Life Insurance

Business Description

Based in Winston-Salem, Mountcastle Insurance provides a host of products to individual and business clients. Its health insurance offerings include group health and self-funded healthcare insurance. The agency also handles individual medical insurance for clients who want some peace of mind. The other personal insurance products offered by the company include homeowners', cybersecurity, flood, and commercial auto insurance. To give back to the community, it offers support to different nonprofit organizations, which include American Children's Home and Pastor's Pantry.

License Verified:

License: 2379030

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 (14)
Facebook
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Piedmont Triad Insurance logo
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License Verified:

License: 1000075837

North Carolina Department of Insurance

Piedmont Triad Insurance

300 7th Street West, Winston-Salem, NC 27101
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  • Individual Plans
  • Life Insurance

Business Description

An independent agency, Piedmont Triad Insurance operates from Winston-Salem and offers insurance coverages for health, life, auto, home, and business risks. It represents multiple insurance agencies and works on the specific needs of individuals and businesses to offer them tailor-fit premiums and coverages. Its umbrella insurance solutions both for personal and commercial coverage also offer added protection. Moreover, Piedmont Triad Insurance helps its clients in updating an existing policy or putting in additional coverage options.

License Verified:

License: 1000075837

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 (41)
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
The Phoenix Company logo
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The Phoenix Company

1396 Westgate Center Drive, Winston-Salem, NC 27103
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  • Individual Plans
  • Life Insurance

Business Description

Founded in 1932, The Phoenix Company strives to provide reliable and affordable insurance products to residents and businesses in Winston Salem and the Piedmont Triad area. It offers comprehensive individual health insurance packages with options for additional coverage, such as Medicare Supplement policies and dental and vision plans. Employers may also avail of group insurance plans inclusive of key-man life, disability, and medical coverage. The Phoenix Company is a Trusted Choice independent insurance agency and a member of Correll Insurance Group.

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
4.0 / 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
Zach Carpenter logo
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License Verified:

License: 18101315

North Carolina Department of Insurance

Zach Carpenter

4680 Brownsboro Road, Winston-Salem, NC 27106
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  • Life Insurance

Business Description

Zach Carpenter is a State Farm health insurance agent who provides services to individuals, families, and businesses in Winston Salem and its surrounding communities. The health insurance policies that he offers include supplemental health, individual medical, and medicare supplement. In addition, he also provides coverage for life, home, rental property, condominium, auto, and motorcycle insurance. Zach is an active member of the community and has been helping Habitat for Humanity of Forsyth County as a passion project.

License Verified:

License: 18101315

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.
4.9
Google
4.0 / 5 (70)
Facebook
5.0 / 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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
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.

Read all FAQs