Best Health Insurance Agencies in Jersey City

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Health Insurance Agencies FAQs

Last updated: October 1, 2022

Clover Health

P.O. Box 471, Jersey City, NJ 07303

Individual Plans
Life Insurance

Clover Health is a health insurance provider that serves Jersey City. It offers Part C and D Medicare advantage policies. These offer the advantages of original Medicare plans, such as doctor visits and hospital and drug coverage, but with added coverages for vision and dental. Vivek Garipalli started the company bringing his experience from CarePointHealth, another company he founded focused on serving uninsured and underinsured patients. He experienced the misalignment of insurance companies first-hand and decided that Clover Health can be part of the solution.

Dorfman Organization

28 Old Fulton Street, Brooklyn, NY 11201

Life Insurance

Dorfman Organization is a family-owned insurance brokerage firm serving Jersey City. It offers assistance to business owners by providing employee benefit plans, which include health, life, and disability insurance, as well as long-term care, and pensions. Additionally, the insurance specialists address personal insurance needs with homeowners insurance, personal automobile liability, umbrella insurance, and personal articles floater. Commercial insurance products, on the other hand, include general and cyber liability. Dorfman Organization has been operating since 1921

J&SCoverage

109 Lafayette Street, New York, NY 10013

Life Insurance

J&S Coverage Inc. is an independent insurance brokerage near Jersey City that offers tailored insurance solutions and services to clients in the metro. The firm has been in the insurance industry for more than 20 years and specializes in both personal and business insurance lines. It offers health insurance products such as individual health plans, HMOs, PPOs, and POSs. It also offers commercial health lines such as group health plans as well as employee health benefits.

Jimco Associates

41 Reeve Place, Brooklyn, NY 11218

Individual Plans
Group Plans
Life Insurance

Jimco Associates is a firm that specializes in insurance services and employee benefits consultancy in Jersey City. The firm was founded by James Cosares after 25 years of working for Prudential Insurance specializing in life insurance products. Some of his products include Medicare, group health insurance, group disability insurance, group life insurance, and voluntary benefits plans. The firm also offers business owners coverage for property damages, as well as casualties in the workplace.

New Jersey Medicare Brokers LLC

475 South Jefferson Street, City of Orange, NJ 07050

Individual Plans

New Jersey Medicare Brokers LLC is an independent agency serving Jersey City and the surrounding areas. It specializes in helping senior citizens navigate through more than 1000 Medicare plan combinations and finding one that suits their needs and circumstances. The firm offers Medicare Advantage and Medicare Part D Prescription Drug coverage to help clients get coverage that Part A and B do not cover. Additionally, the company's Medicare brokers take annual certification tests with the carriers they represent and the American Health Insurance Plans (AHIP).

Ravi Balchand

1983 Marcus Avenue, Lake Success, NY 11020

Life Insurance

Lake Success-based Ravi Balchand is a financial services professional representing New York Life. He offers insurance products to residents of Jersey City and its surrounding areas. Ravi provides assistance with disability income as well as individual and group health insurance products. His other products include life, long-term care, income annuity, and AARP life insurance. Additionally, he offers investments such as self-directed, tax-deferred, and Individual Retirement Account (IRA). Ravi has been a New York Life agent since 2009.

SValencia Insurance Agency

3613 New York Avenue, Union City, NJ 07087

Life Insurance

SValencia Insurance Agency is an independent agency that serves clients in Jersey City. Agent Sandra Valencia has years of industry experience having worked for independent agencies and brokers before setting up a business of her own. She provides services for individuals, families, and businesses in need of life insurance, health insurance, car insurance, homeowners insurance, and commercial insurance. She works with each client and explains the complexities of different policies to help them find the best coverage for their needs.

Tawanda Jackson

422 West Side Avenue, Jersey City, NJ 07305

Individual Plans
Life Insurance

Tawanda Jackson addresses the insurance and financial needs of clients in Jersey City and the surrounding communities. She specializes in a wide range of products, such as health, life, home, auto, and business insurance, in addition to mutual funds and banking services. Tawanda has received numerous industry awards, including the Chairman Circle, Ambassador Club, and Honor Club Qualifier from State Farm. She works with a multicultural team, and together they educate and help clients manage risks through their insurance products.

TotalBen

1374 East 28th Street, Brooklyn, NY 11210

Individual Plans
Group Plans
Life Insurance

TotalBen is an insurance company that specializes in providing employee benefits for small- and mid-sized businesses. Its team furnishes different types of protection plans, including individual and group health insurance that covers medical, vision, and dental insurance policies. In addition, the agents help companies provide employees with life and long-term care insurance along with travel insurance and pet coverage benefits. TotalBen has access to policies from different providers such as Aetna, HTH Worldwide, and Pet Assure.

TY Health Insurance Brokerage

42 Broadway, New York, NY 10004

TY Health Insurance Brokerage caters to clients in Jersey City. Its team of insurance brokers assists clients in finding the right solution and benefits for their medical needs. It offers dental, vision, payroll services, STD, DBL, and AD&D insurance products from Colonial Voluntary, Blue Cross Blue Shield, and AmeriHealth. It also sources products from Humana, Freedom Health, Coventry, and Optimum HealthCare, Inc. TY Health Insurance Brokerage was featured on Fox, ABC, CBS News, and iHeart Radio.

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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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