Best Health Insurance Agencies in Clifton

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Health Insurance Agencies FAQs

Last updated: October 1, 2022

Broad Reach Benefits

4 Century Drive, Parsippany, NJ 07054

Group Plans
Life Insurance

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.

Chris Alevras

595 Eagle Rock Avenue, West Orange, NJ 07052

Individual Plans

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.

Chris Sules

780 Northfield Avenue, West Orange, NJ 07052

Individual Plans
Life Insurance

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.

Denise Porter-Davis

4 Chatham Road, Summit, NJ 07901

Group Plans
Life Insurance

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.

My Savoy Benefits

25b Hanover Road, Florham Park, NJ 07932

Market Place
Life Insurance

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.

RD Parisi Associates

500 Prospect Avenue, West Orange, NJ 07052

Individual Plans
Life Insurance

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.

The Insurance Outfit

32 Collis Lane, Chester, NJ 07930

Individual Plans
Life Insurance

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.

Wharton Group

101 South Livingston Avenue, Livingston, NJ 07039

Individual Plans
Life Insurance

Wharton Group is a third-generation insurance company that has been servicing Clifton since 1912. It offers different types of individual and family health insurance plans. Its team consists of 40 insurance professionals who assist its clients in choosing a health insurance policy depending on their needs and preferences. The company also caters to schools, financial institutions, non-profit organizations, and contractors. Moreover, it provides life, auto, and homeowners' insurance. Aetna, Cigna, and Foremost Insurance Group are some of the carriers that Wharton Group partners with.

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Frequently Asked Questions

Q: Is there a tax credit for having health insurance?

A: 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.

Q: Do employers have to offer health insurance?

A: 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.

Q: Do you have to pay a health insurance deductible upfront?

A: 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.

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