Expertise.com

Best Health Insurance Agencies in Clifton

2024

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Providers

featured provider = Featured Provider

4 Chatham Road, Summit, NJ 07901
WebsiteLicense: 8307876

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Why choose this provider?

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.

  • Group Plans
  • Life Insurance

25b Hanover Road, Florham Park, NJ 07932
WebsiteLicense: 9023707

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Why choose this provider?

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.

  • Market Place
  • Life Insurance

4 Century Drive, Parsippany, NJ 07054

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Why choose this provider?

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.

  • Group Plans
  • Life Insurance

595 Eagle Rock Avenue, West Orange, NJ 07052
WebsiteLicense: 8051784

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Why choose this provider?

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.

  • Individual Plans

780 Northfield Avenue, West Orange, NJ 07052
WebsiteLicense: 9254030

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Review Sources

Facebook
5.0 (3)
Yelp
5.0 (1)

Why choose this provider?

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.

  • Individual Plans
  • Life Insurance

32 Collis Lane, Chester, NJ 07930
WebsiteLicense: 1314688

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Review Sources

Google
5.0 (4)
Facebook
5.0 (2)

Why choose this provider?

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.

  • Individual Plans
  • Life Insurance

500 Prospect Avenue, West Orange, NJ 07052
WebsiteLicense: 1157934

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Review Sources

Facebook
5.0 (1)

Why choose this provider?

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.

  • Individual Plans
  • Life 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 Clifton residents be aware of when choosing low-cost health insurance?

    Residents of Clifton who select health plans with lower premiums frequently face higher deductibles and personal costs. As a result, significant medical expenses may be incurred. Lower-value metal tiers are distinguished by lower monthly rates but higher maximum out-of-pocket expenses, making them ideal for those anticipating limited healthcare needs.

  • What government health insurance options are available for Clifton residents?

    Medicaid provides coverage to Clifton residents with incomes less than 138% of the FPL, benefiting the elderly, pregnant women, and the permanently disabled. Meanwhile, Medicare serves residents aged 65 and up, as well as those with specific disabilities or illnesses. Part A covers inpatient care, Part B covers certain doctor services and outpatient care, and Part D covers medication costs.

  • How can Clifton residents register for a Marketplace health plan in New Jersey?

    Individuals in Clifton who want to enroll in an ACA Marketplace plan should go to GetCoveredNJ, the state's official health insurance marketplace. Residents can compare various health insurance policies, determine their eligibility for federal and state financial aid, and finalize their enrollment, whether during the regular open enrollment period or a special enrollment period. Licensed professionals or approved direct enrollment entities can also help with the process.

  • What should Clifton residents do if they require medical care before securing health insurance coverage?

    Residents of Clifton should seek medical attention immediately if they require emergency treatment. Various health facilities, such as hospitals, Federally Qualified Health Centers, and specialized care centers, can direct them to the Presumptive Eligibility (PE) scheme, a short-term coverage option. Furthermore, by answering a few more questions during the PE application process, individuals can explore extended coverage options through NJ FamilyCare.

  • How can small businesses in Clifton provide insurance and access tax benefits?

    The Small Business Health Options Program (SHOP) assists Clifton-based small businesses with 1-50 employees in providing private health insurance. The main benefit is the ability to claim the Small Business Health Care Tax Credit, which can reduce up to half of the employer's contribution if eligibility requirements are met. SHOP plans can be obtained directly from insurers or through a SHOP-affiliated broker or agent. Enrollment is usually open all year.

  • 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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