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Best Health Insurance Agencies in Elizabeth

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Five Star Insurance Agency, LLC logo
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License Verified:

License: 1042950

State of New Jersey Banking and Insurance

Five Star Insurance Agency, LLC

446 New Brunswick Avenue, Woodbridge Township, NJ 08863
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  • Individual Plans
  • Life Insurance

Business Description

Five Star Insurance Agency, LLC is an insurance firm serving individuals, families, and businesses in Elizabeth. It was founded by Dennis Fitzpatrick in 1984. For over 35 years, it has provided insurance products such as health, home, commercial, life, flood, and auto insurance. As an independent agency, it represents multiple regional and national insurers. Its agents help clients search through design plans from these carriers to find the insurance coverage that suits the clients' situation.

License Verified:

License: 1042950

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.
4.8
Google
4.6 / 5 (45)
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.
4.0
Responsiveness
Friendliness
Helpfulness
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Detail
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H. Watkins Insurance logo
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License Verified:

License: 1508721

State of New Jersey Banking and Insurance

H. Watkins Insurance

714 Elm Street, Roselle, NJ 07203
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  • Individual Plans
  • Life Insurance

Business Description

H. Watkins Insurance is an agency servicing Elizabeth and surrounding communities. It offers a wide range of Medicare health insurance options for seniors including Medicare Supplement, Medicare Advantage, and prescription part D plans. Its team of independent agents assists clients in combing through a wide range of options to choose from based on their needs and preferences, whether they are on or newly eligible in Medicare. Moreover, the agency also provides life and final expense insurance policies.

License Verified:

License: 1508721

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

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
Insurance Associates Plus logo
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License Verified:

License: 8802611

State of New Jersey Banking and Insurance

Insurance Associates Plus

1523 Morris Avenue, Union, NJ 07083
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  • Group Plans
  • Life Insurance

Business Description

Insurance Associates Plus of New Jersey is an independent full-service insurance agency that serves clients in and around Elizabeth. Established in 1980, the agency offers personal and business insurance assistance to its clientele. The agency’s products include auto, business, and life insurance policies. It also provides clients with specialty products, such as watercraft insurance and group health insurance. Insurance Associates Plus of New Jersey represents carriers, such as Zurich, AIG, American Collectors Insurance, and Encompass Insurance.

License Verified:

License: 8802611

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
Google
4.0 / 5 (23)

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
Karing Is Mutual, LLC logo
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License Verified:

License: 3001234455

State of New Jersey Banking and Insurance

Karing Is Mutual, LLC

1575 Vauxhall Road, Union, NJ 07083
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  • Life Insurance
  • Group Plans
  • Individual Plans

Business Description

Karing Is Mutual, LLC, is a team of licensed insurance brokers that serves families and individuals in Elizabeth and surrounding areas. The company offers a range of health insurance options, including health savings accounts and HMO plans, and provides dental, medical, vision, and prescription drug coverages. Its professionals educate individuals and helps employer group’s implement insurance coverage with confidence that they can trust. Cassandra Gibson, the firm's CEO and president, is a licensed life and health insurance broker with over 25 years of industry experience.

License Verified:

License: 3001234455

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 (12)
Google
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Lubenow Agency logo
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License Verified:

License: 9020122

State of New Jersey Banking and Insurance

Lubenow Agency

15 Alden Street, Cranford, NJ 07016
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  • Individual Plans
  • Group Plans
  • Life Insurance

Business Description

Lubenow Agency specializes in offering health insurance solutions to the residents of Elizabeth and the surrounding areas. It provides individual and group benefits, such as dental, disability, long-term care, and supplemental insurance. Medicare Supplement plans are also available for senior citizens looking to get additional coverage not included in their original Medicare plans. Founder Doug Lubenow is an experienced agent with over 32 years in the industry. Outside of work, he is actively involved with Camden-based charity Dooley House.

License Verified:

License: 9020122

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 (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
New Jersey Medicare Brokers logo
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License Verified:

License: 1634100

State of New Jersey Banking and Insurance

New Jersey Medicare Brokers

475 South Jefferson Street, City of Orange, NJ 07050
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  • Individual Plans

Business Description

New Jersey Medicare Brokers is a Medicare insurance brokerage that has been serving Elizabeth and the surrounding areas for 10 years now. Representing leading carriers in New Jersey, the company helps retiring individuals and those with permanent disabilities choose the right Medicare health insurance plans. The plans offered include a Part A plan, a Part B plan, a Prescription Drug Plan, and a Medicare Advantage Plan. To get insured with additional medical care not covered by these plans, Medicare Supplements such as Medigap are available.

License Verified:

License: 1634100

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 (17)
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
TE Freuler logo
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TE Freuler

52-54 Rome Street, Newark, NJ 07105
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  • Individual Plans
  • Group Plans
  • Life Insurance

Business Description

TE Freuler Agency, Inc., is a full-service insurance agency serving Elizabeth and other communities throughout New Jersey. For more than 54 years, it has been offering all lines of insurance for business, home & auto, life, and health. The variety of health insurance options include individual and family plans, long term care, and disability insurance. These plans are provided by a wide range of carriers in the region, including Oxford Health Plans, Horizon, Qual Care, and AmeriHealth.

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
Google
4.0 / 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
The Fig Leaf Agency logo
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License Verified:

License: 1090716

State of New Jersey Banking and Insurance

The Fig Leaf Agency

21 West Blancke Street, Linden, NJ 07036
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  • Life Insurance

Business Description

The Fig Leaf Agency is a full-service insurance agency serving clients in Elizabeth, Linden, and the surrounding areas for over 40 years. It specializes in offering health insurance plans carried by multiple companies, including Cigna, Aetna, HealthNet, and Amerihealth. It also offers families and individuals a variety of insurance options that cover vehicles, homes, boats, life, and personal articles. Businesses can also benefit from coverage plans for workers' compensation, general liability, employee benefits, and special contractor policies. The Fig Leaf Agency strengthened its standing in the industry when it acquired Walgert's Agency in 2008.

License Verified:

License: 1090716

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.
4.0
Google
4.0 / 5 (10)
Facebook
4.0 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
The Julius A. Rose Agency logo
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License Verified:

License: 1974446

State of New Jersey Banking and Insurance

The Julius A. Rose Agency

194 Broadway, Bayonne, NJ 07002
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  • Individual Plans
  • Group Plans
  • Life Insurance

Business Description

The Julius A. Rose Agency is a family-owned independent insurance agency serving individuals, families, and companies in Elizabeth and neighboring areas. Established in 1902, the agency operates with experience in providing individual and group health insurance, life insurance, and disability income insurance. It offers insurance policies that secure clients' homes, commercial properties, and automobiles. The agency delivers business insurance products, including business owner's insurance policies, general liability insurance, commercial umbrella insurance, and workers' compensation insurance.

License Verified:

License: 1974446

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.
4.7
Google
5.0 / 5 (2)
Yelp
3.0 / 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
––
Upix Agency logo
Visit WebsiteWebsite

License Verified:

License: 1695834

State of New Jersey Banking and Insurance

Upix Agency

991 US Highway 22 West, Bridgewater, NJ 08807
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  • Individual Plans
  • Life Insurance

Business Description

Upix Agency opened its doors in 2019 to provide insurance services in the Elizabeth metro and the surrounding areas. The firm's insurance professionals offer consultation services for various types of insurance, such as life and health, homeowners' and rental, property, and auto insurance. Leading the company's operations is Sintia Matos. Aside from being an insurance agent, Sintia is also well-versed in tax preparation, immigration consultation, and notary solutions. The agency's services are also available in Spanish.

License Verified:

License: 1695834

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.
4.0
Google
4.0 / 5 (28)

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