Expertise.com

Best Health Insurance Agencies in Union City

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2023
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MassMutual Metro New York logo
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License Verified:

License: 9465823

State of New Jersey Banking and Insurance

MassMutual Metro New York

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250 West 34th Street, New York, NY 10119
  • Individual Plans
  • Life Insurance

Business Description

MassMutual Metro New York is an insurance broker that strives to help individuals in Union City achieve financial stability through insurance solutions. Its team of insurance agents develops a financial strategy and assists in understanding different life insurance options. They offer life insurance plans to protect loved ones when the policyholder dies. They have term life and permanent life insurance plans that may include death and living benefits. In addition, MassMutual Metro New York provides annuities and disability income insurance. CEO Stephen Grossman joined the financial services industry in 1991.

License Verified:

License: 9465823

State of New Jersey Banking and Insurance

MedChoice Advisors logo
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License Verified:

License: 17761272

State of New Jersey Banking and Insurance

MedChoice Advisors

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448 64st West, West New York, NJ 07093
  • Individual Plans

Business Description

MedChoice Advisors is a boutique health insurance agency founded in Northern New Jersey and serves Union City. The company is also licensed in different states such as Connecticut, Georgia, and Florida. The insurance agency has a team that dedicates themselves to helping their clients find the health insurance plans that meet their needs. They provide various health plans such as individual health insurance, group health insurance, and Medicare Advantage Plans. It also offers prescription discount plans, dental, and vision plans.

License Verified:

License: 17761272

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 (2)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
SBLI USA Life Insurance logo

SBLI USA Life Insurance

100 West 33rd Street, New York, NY 10001
  • Individual Plans
  • Life Insurance

Business Description

SBLI USA Life Insurance is an insurance company that caters to individuals and families in Union City in designing insurance solutions. Its team mainly offers life and health insurance products such as income continuation term and final expense whole life, as well as worksite accidents and critical illness insurance. In addition, the professionals provide options for clients who are in need of Medicare Supplemental plans. Its team also assists with individual and group life claims as well as annuities. The company was established in 1916.

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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Tawanda Jackson logo
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License Verified:

License: 1089270

State of New Jersey Banking and Insurance

Tawanda Jackson

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422 West Side Avenue, Jersey City, NJ 07305
  • Individual Plans

Business Description

Tawanda Jackson is a State Farm insurance agent who serves clients in Union City. She offers various types of health insurance policies, including long-term care and Medicare Supplemental Plans. Tawanda also offers other types of insurance products and services, such as auto, home, life, annuities, and pet insurance. She and her multicultural team have been serving clients in their communities since 2008. Among the recognitions that she received were State Farm Chairman Circle Qualifier, Ambassador Club Qualifier, and Honor Club Qualifier.

License Verified:

License: 1089270

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 (31)
Facebook
5.0 / 5 (10)

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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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.