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Best Health Insurance Agencies in Brick

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Advanced Insurance Agency LLC logo
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License Verified:

License: 85328

State of New Jersey Banking and Insurance

Advanced Insurance Agency LLC

1225 Bay Ave, Point Pleasant, NJ 08742
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  • Life Insurance

Business Description

Advanced Insurance Agency LLC has been serving prospective clients and policyholders in Brick and the surrounding communities since 1991. Its team furnishes health insurance policies for individuals and groups. In addition, it helps customers protect their hard-earned assets by providing coverages for homes, businesses, cars, recreational vehicles, and boats. Advanced Insurance Agency is a member of the International Association of Insurance Professionals. It represents various insurance providers, including Progressive, Foremost, Travelers, and United Property and Casualty.

License Verified:

License: 85328

State of New Jersey Banking and 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
4.5 / 5 (57)

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
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Alliance Benefit Solutions logo
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License Verified:

License: 1691421

State of New Jersey Banking and Insurance

Alliance Benefit Solutions

1800 Route 34, Suite 207, Wall, NJ 07717
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  • Life Insurance
  • Medicare Supplement Insurance
  • Group Health Insurance Plans

Business Description

Alliance Benefit Solutions is a full-service and independent agency that offers insurance solutions to businesses and their employees around Brick and its nearby areas. The agency represents a vast network of health insurance companies that provide medical insurance, prescription plans, Medicare supplements, disability insurance, and life insurance. Additionally, Alliance Benefit Solutions assists with setting up long-term care, dental, and vision insurance for company employees. Other services include commercial insurance, human resource support, and benefit communications.

License Verified:

License: 1691421

State of New Jersey Banking and 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 (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
Better Insurance Management logo
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License Verified:

License: 1604738

State of New Jersey Banking and Insurance

Better Insurance Management

459 Jack Martin Blvd Floor 2, Suite 8, Brick, NJ 08724
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  • Individual Plans
  • Life Insurance
  • Medicare Supplement Insurance

Business Description

Better Insurance Management helps individuals and businesses in Brick in finding protection plans appropriate for their goals and needs. It helps clients navigate through various Medicare options like the supplement, prescription drug, and advantage plans, educating them of the benefits and requirements to help in making informed decisions. In addition, Better Insurance Management's agents introduce group health insurance options to companies that are building benefits packages for their employees.

License Verified:

License: 1604738

State of New Jersey Banking and 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
Facebook
5.0 / 5 (9)
Yelp
3.0 / 5 (8)
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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Blue Ocean Benefits & Consulting logo
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License Verified:

License: 1295255

State of New Jersey Banking and Insurance

Blue Ocean Benefits & Consulting

1971 State Hwy 34, Suite 202, Wall, NJ 07719
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  • Group Plans
  • Individual Health Insurance
  • Dental and Vision Insurance

Business Description

Blue Ocean Benefits & Consulting is an independent insurance agency that serves families and businesses in Brick. It offers health insurance options for individuals and groups, as well as coverage for dental and vision. The agency also assists small and medium-sized businesses in planning value-packed employee benefits. It has partnered with NJMedicare65 to provide a wide range of plan options for Medicare, Medicare Advantage, and Supplements. Blue Ocean Benefits & Consulting has been in the industry since 2011.

License Verified:

License: 1295255

State of New Jersey Banking and 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 (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
Condon, Bergen and Santoro Insurance, Inc logo
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License Verified:

License: 9139590

State of New Jersey Banking and Insurance

Condon, Bergen and Santoro Insurance, Inc

2517 Rt. 35 Bldg. A, Suite 101, Manasquan, NJ 08736
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  • Life Insurance
  • Dental and Vision Insurance
  • Medicare Supplement Insurance

Business Description

Condon, Bergen and Santoro Insurance, Inc. helps customers in Brick find health care policies for their business and personal needs. Its individual insurance products include dental, disability, and long-term care coverage. It also offers employee benefits plans with key person, life, and vision coverages. It is an independent agency that represents carriers like Progressive, Liberty Mutual, and Hartford. President Bill Condon received the Director of the Year award from NJ Young Insurance Professionals in 1996.

License Verified:

License: 9139590

State of New Jersey Banking and 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 (3)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Conover Beyer Associates logo
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License Verified:

License: 8011605

State of New Jersey Banking and Insurance

Conover Beyer Associates

2600 NJ-35, Manasquan, NJ 08736
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  • Life Insurance
  • Individual Health Insurance

Business Description

Conover Beyer Associates serves individuals and businesses in Brick and the surrounding areas. It provides group and personal health insurance, which covers dental and vision, voluntary benefits, identity theft protection, and legal service plans. It also offers other types of programs, such as auto, homeowners', flood, boat, and motorcycle insurance. The company has been in business since 1882. It also provides risk management solutions that minimize the effect of claims through methods like modified duty programs and contingency planning.

License Verified:

License: 8011605

State of New Jersey Banking and 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 (8)

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
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Medicare Insurance Specialists logo
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License Verified:

License: 1214770

State of New Jersey Banking and Insurance

Medicare Insurance Specialists

1187 Coughlin street, Lakewood, NJ 08701
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  • Medicare Supplement Insurance
  • Over 65

Business Description

Medicare Insurance Specialists offers several health protection options to Brick residents. It guides individuals in navigating Medicare policies, providing information about the eligibilities and enrolment periods of supplements, advantages, and prescription drug coverages. In addition, the independent agency furnishes health, long-term care, dental and vision, and medical travel insurance from carriers like Aetna, Cigna, and WellCare. President Steven Zaidman, who passed the Centers for Medicare & Medicaid Services annual certification process, has been educating Americans in entering Medicare for the past 14 years.

License Verified:

License: 1214770

State of New Jersey Banking and 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)

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
Osborn Insurance Agency logo
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License Verified:

License: 88965

State of New Jersey Banking and Insurance

Osborn Insurance Agency

1868 NJ-88, Brick, NJ 08724
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  • Individual Plans

Business Description

Osborn Insurance Agency offers assistance to clients in the Brick metro who are in need of health insurance. The insurance agency offers a variety of health coverage plans and benefits for clients and their families to help them cut back on medical costs. The health insurance products include affordable care act, individual family and health insurance, individual disability insurance, and Medicare. Osborn Insurance Agency is an independently owned agency that has been operating since 2000, providing insurance services for homes and businesses.

License Verified:

License: 88965

State of New Jersey Banking and 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Robert G. Haggan II Insurance Agency logo
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License Verified:

License: 1010110

State of New Jersey Banking and Insurance

Robert G. Haggan II Insurance Agency

2850 Yorktowne Blvd. Unit 24, Brick, NJ 08723
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  • Medicare Supplement Insurance

Business Description

Robert G. Haggan II Insurance Agency offers protection policies to clients in the Brick area. It provides Medicare plans that provide compensation for medical procedures, hospitalization, and rehabilitation expenses. The firm also offers Part D coverage for prescription drugs. In addition, clients can get life insurance that protects policyholders' beneficiaries by covering funeral expenses, outstanding debts, and future costs like college tuition. The agency partners with different carriers, including UnitedHealthcare, Humana, and Aetna.

License Verified:

License: 1010110

State of New Jersey Banking and 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.
3.0
Responsiveness
Friendliness
––
Helpfulness
Detail
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Senior Moments Medicare Solutions logo
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License Verified:

License: 3000697689

State of New Jersey Banking and Insurance

Senior Moments Medicare Solutions

106 Union Ave, Manasquan, NJ 08736
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  • Medicare Supplement Insurance

Business Description

Senior Moments Medicare Solutions serves clients in the Brick community. It strives to provide answers to all questions that seniors or qualified customers about Medicare plans. Striving to provide individuals with suitable packages, the agents pull up products from a wide range of carriers. They furnish customers with all options available and guide them in understanding the differences among supplement, drug, and advantage plans. One of the Medicare consultants at the firm is Jake Whalen, who is licensed in 15 states.

License Verified:

License: 3000697689

State of New Jersey Banking and 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

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
Stark Associates Insurance logo
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License Verified:

License: 1208413

State of New Jersey Banking and Insurance

Stark Associates Insurance

55 Gilbert St. North, Tinton Falls, NJ 07701
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  • Individual Plans
  • Group Plans
  • Individual Health Insurance
  • Medicare Supplement Insurance

Business Description

Established in 2009, Stark Associates Insurance Agency provides health insurance plans to individuals, families, and businesses in Brick. It helps individuals and families prepare for emergencies with health insurance, disability insurance, long-term care, and Medicare supplement policies. Both employees and employers also benefit from its business insurance packages, including group dental, vision, health, and life insurance policies. For its long-term care plans, the company works with carriers such as Genworth Financial, TransAmerica, and MedAmerica Insurance Company.

License Verified:

License: 1208413

State of New Jersey Banking and 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 (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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
TE Freuler logo
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License Verified:

License: 8619510

State of New Jersey Banking and Insurance

TE Freuler

270 Davidson Ave, Suite 101, Somerset, NJ 08873
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  • Individual Health Insurance

Business Description

TE Freuler is a full-service insurance agency serving businesses, employees, and individuals throughout the Brick metro for more than 54 years. It provides a wide range of insurance products, such as health, home, life, auto, general liability, and workers' compensation insurance. It collaborates with several thoroughly sought-out carriers, including Oxford Health Plans, The Hanover Insurance Group, Oscar Health, Allstate, and Brighthouse Financial. TE Freuler also offers special programs for lawyers, contractors, and restaurants.

License Verified:

License: 8619510

State of New Jersey Banking and 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.
4.2
Facebook
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.
5.0
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