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Best Health Insurance Agencies in Clifton

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2023
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Broad Reach Benefits logo

Broad Reach Benefits

4 Century Drive, Parsippany, NJ 07054
  • Group Plans
  • Life Insurance

Business Description

Broad Reach Benefits is an HR consulting company serving clients in the Clifton metro area. The firm assists private equity companies and law firms in providing individual and corporate health benefits to their employees. Its benefits advisors handle a variety of health insurance solutions from domestic and international carriers. Some of the team's specializations include medical, dental, and vision insurance. The group also delivers life insurance, disability income, and executive reimbursement plans. A subsidiary of the Alera Group, the company has been serving customers since 1991.

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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Chris Alevras logo
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License Verified:

License: 8051784

State of New Jersey Banking and Insurance

Chris Alevras

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595 Eagle Rock Avenue, West Orange, NJ 07052
  • Individual Plans

Business Description

Chris Alevras is an insurance agent of State Farm who has been serving clients in Clifton since 1989. He offers a wide range of insurance products, which include home, business, property, auto, and life insurance. Additionally, he also offers other products, such as annuities, banking, and mutual funds. Chris can speak both Spanish and Arabic. His State Farm-affiliated firm assists clients in finding health coverages for their needs. It offers supplemental health insurance, Medicare Supplement insurance, and individual health insurance.

License Verified:

License: 8051784

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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Chris Sules logo
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License Verified:

License: 9254030

State of New Jersey Banking and Insurance

Chris Sules

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780 Northfield Avenue, West Orange, NJ 07052
  • Individual Plans
  • Life Insurance

Business Description

Chris Sules is a State Farm insurance agent who has provided health insurance plans since 1994. He caters to both individual clients and groups in Clinton and its surrounding areas. Chris and his team offer in-person and virtual consultations for first-time and longtime policyholders. They provide health plans that cover general hospital service, critical illnesses, and long-term disability care. They also process policy changes or claims for Medicare and supplemental health plans. In addition, Chris provides home and life insurance policies.

License Verified:

License: 9254030

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)
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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Denise Porter-Davis logo
Visit WebsiteWebsite

License Verified:

License: 8307876

State of New Jersey Banking and Insurance

Denise Porter-Davis

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4 Chatham Road, Summit, NJ 07901
  • Group Plans
  • Life Insurance

Business Description

Denise Porter-Davis is an insurance agent providing an array of insurance and financial solutions to customers in Clifton. She is currently serving as Schechner Lifson Corporation’s account manager under its personal insurance team. Porter-Davis offers group employee benefits such as health insurance, dental insurance, vision insurance, long-term disability insurance, short-term disability insurance, and life insurance. She is also a Certified Professional Insurance Agent. As a member of Schechner Lifson Corporation, Porter-Davis aims to use a team approach in delivering insurance services.

License Verified:

License: 8307876

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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My Savoy Benefits logo

License Verified:

License: 9023707

State of New Jersey Banking and Insurance

My Savoy Benefits

25b Hanover Road, Florham Park, NJ 07932
  • Market Place
  • Life Insurance

Business Description

My Savoy Benefits, a partnership of insurance professionals, is located in Florham Park. Its CEO is Donald C. Savoy, an insurance producer whose aim is to provide health insurance coverage to individuals, families, and small employers. The clients can enroll in on-exchange and off-exchange plans. The options include health, dental, vision, and other benefit programs such as Medicare plans and individual plans. Being an independent broker makes it possible for the company to work with multiple carriers to provide the right plan for their clients.

License Verified:

License: 9023707

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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
RD Parisi Associates logo
Visit WebsiteWebsite

License Verified:

License: 1157934

State of New Jersey Banking and Insurance

RD Parisi Associates

Visit WebsiteWebsite
500 Prospect Avenue, West Orange, NJ 07052
  • Individual Plans
  • Life Insurance

Business Description

RD Parisi Associates is an insurance agency that serves Clifton and the surrounding areas. It specializes in providing health insurance solutions to individuals and commercial clients. Some of its services include employee health programs, group life insurance, short-term and long-term disability, and voluntary insurance products. RD Parisi Associate works with several carriers and sports several plan types, including HMOs, PPOs and POS plans, and traditional indemnity programs. Robert Parisi, the company's president, has over 20 years of experience in the industry. He has been married since 1993 and has two adult children.

License Verified:

License: 1157934

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
The Insurance Outfit logo

License Verified:

License: 1314688

State of New Jersey Banking and Insurance

The Insurance Outfit

32 Collis Lane, Chester, NJ 07930
  • Individual Plans
  • Life Insurance

Business Description

The Insurance Outfit is an independent agency that provides insurance products and services to individuals and businesses in the Clifton metro. It works with different insurance carriers in providing personalized health insurance plans suited to the clients' specific needs. Furthermore, the company helps clients obtain other plans such as life, umbrella, collector vehicle, jewelry, and disability insurance. Owners Sean Kelly and Brian Gallagher are former Allstate insurance agents who started forming the business in 2012. They are members of NAIFA.

License Verified:

License: 1314688

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 (4)
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

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.