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Best Health Insurance Agencies in Cleveland

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Agency Associates logo
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License Verified:

License: 969966

Ohio Department of Insurance

Agency Associates

5634 Broadway Avenue, Cleveland, OH 44127
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  • Individual Plans
  • Life Insurance

Business Description

Agency Associates is a full-service independent insurance agency serving the Cleveland area. It provides health insurance products, including individual health insurance, Medicare Supplement insurance, and Medicare Advantage plans. It also offers life insurance products, such as term life, youth life, universal life, whole life, and easy issue life insurance. James Trivisonno, the owner of Agency Associates, founded the company in 2012. He has more than 32 years of experience in the industry and has earned the designations of LUTCF, CLU, and ChFC.

License Verified:

License: 969966

Ohio Department of 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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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Alliance Insurance Agency logo
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License Verified:

License: 17493811

Ohio Department of Insurance

Alliance Insurance Agency

16004 Detroit Avenue, Lakewood, OH 44107
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  • Life Insurance

Business Description

Alliance Insurance Agency is a provider of various life insurance options, including universal life insurance, whole life insurance, and life term insurance. The insurance brokerage agency located in Lakewood serves Cleveland and the surrounding communities. The company offers classic car insurance, motorcycle insurance, ATV and motorsport insurance, and homeowners insurance. The agency's owner, Peter Spirollari, is involved in the company's day-to-day operations and serves as an active agent for Alliance Insurance Agency.

License Verified:

License: 17493811

Ohio Department of 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 (5)
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Brooks & Stafford logo
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License Verified:

License: 623

Ohio Department of Insurance

Brooks & Stafford

55 Public Square, Cleveland, OH 44113
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  • Individual Plans
  • Life Insurance

Business Description

Established in 1849, Brooks & Stafford is an insurance agency in Cleveland. It offers various insurance products for clients who are planning to protect their families and properties. These include health insurance plans covering the medical expenses of the clients and their dependents. It also caters to individuals who want to take care of their families even after their death by applying for life insurance services. Additionally, the agents at the company guide clients to ensure that the insurance policies are suitable for their needs.

License Verified:

License: 623

Ohio Department of 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.
4.6
Facebook
5.0 / 5 (13)
Google
5.0 / 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
Fred Heipp Insurance Agency Inc logo
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License Verified:

License: 12002

Ohio Department of Insurance

Fred Heipp Insurance Agency Inc

6087 Ridge Road, Parma, OH 44129
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  • Individual Plans

Business Description

Fred Heipp Insurance Agency Inc. is an independently owned and locally operated business serving the Cleveland area. Since 1980, it has been handling various types of health insurance plans, such as EPO, HMO, POS, and PPO. These healthcare programs cover medical, surgical, and hospital expenses. Clients can also add dental, mental health, and prescription drugs to their coverages. Fred Heipp Insurance Agency offers access to a wide range of insurance carriers, including Safeco, Foremost Insurance, Liberty Mutual, and Progressive.

License Verified:

License: 12002

Ohio Department of 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.
4.5
Google
4.5 / 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
Innovative Medicare Partners logo
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License Verified:

License: 1152493

Ohio Department of Insurance

Innovative Medicare Partners

600 Superior Ave. East, Cleveland, OH 44114
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  • Life Insurance
  • Health Insurance
  • Group Plans
  • Term Life Insurance
  • Whole Life Insurance
  • Medicare

Business Description

Innovative Medicare Partners works with insurance companies to design personalized life and health plans for clients in Cleveland. The company is partnered with multiple carriers, including Anthem, UnitedHealthcare, GTL, Bright Health, Humana, and Wellcare. It offers various life insurance policies such as term, final expense, universal life, and whole life insurance. Its insurance professionals also help clients make informed and well-researched decisions on which Medicare option best suits their needs, such as getting dual eligibility for Medicare and Medicaid, Medicare Advantage Plans, and group Medicare.

License Verified:

License: 1152493

Ohio Department of 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 (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
Keller National logo
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License Verified:

License: 18770826

Ohio Department of Insurance

Keller National

3109 Mayfield Road, Cleveland Heights, OH 44118
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  • Individual Plans
  • Life Insurance

Business Description

Keller National is a privately held insurance agency that caters to clients in and around Cleveland. It carries group health insurance policies, as well as dental, vision, disability, and long-term care insurance coverages. It also provides insurance plans that protect homes, valuable items, and vehicles. Additionally, it offers commercial property and general liability insurance options for businesses. The agency is affiliated with the Independent Insurance Agents and Brokers of America, Inc., and its CEO, David Keller is a certified insurance counselor.

License Verified:

License: 18770826

Ohio Department of 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 (84)
Facebook
5.0 / 5 (26)
Yelp
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
MR Insurance Partners Agency logo
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License Verified:

License: 959319

Ohio Department of Insurance

MR Insurance Partners Agency

3310 Prospect Avenue East, Cleveland, OH 44115
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  • Life Insurance

Business Description

MR Insurance Partners Agency has more than 40 years of insurance experience and continues to serve clients in Cleveland. It offers various healthcare, Medicare, dental, and vision insurance plans from several providers, such as Ameritas and Humana. Mark M. Ruzic established the agency in 2006, and its origins can be traced back to the experience of its founder who started his career in the insurance industry in 1976. Since its establishment, MR Insurance Partners has served 3,000 customers and works with 20 insurance carriers.

License Verified:

License: 959319

Ohio Department of 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 (3)
Google
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
United Agencies Insurance Group logo
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License Verified:

License: 1216

Ohio Department of Insurance

United Agencies Insurance Group

1422 Euclid Avenue, Cleveland, OH 44115
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  • Individual Plans
  • Life Insurance

Business Description

United Agencies Insurance Group is a locally owned insurance agency in Cleveland. It provides health insurance to individuals seeking to ensure that their future medical visits are handled with ease. In addition, the firm offers personal coverage such as life and dental insurance. The business also helps increase the appeal of companies through benefits for disability and group long-term care. United Agencies Insurance Group has been in the industry since 1972 and is committed to creating strong relationships with clients by providing optimal coverage.

License Verified:

License: 1216

Ohio Department of 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 (1)
Washington & Co Insurance Agency logo
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License Verified:

License: 33231

Ohio Department of Insurance

Washington & Co Insurance Agency

2565 Noble Road, Cleveland, OH 44121
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  • Individual Plans
  • Life Insurance

Business Description

Washington & Co Insurance Agency offers life and health insurance solutions to clients in Cleveland and the surrounding areas. The professionals in this company cater to individuals and families, helping them protect their future and assets. They provide various health insurance coverage, including HMP, PPO, and POS plans, in addition to life insurance policies, such as term life and final expense. Washington & Co Insurance Agency also serves commercial clients, offering commercial auto, business owners' policies, and general liability coverage.

License Verified:

License: 33231

Ohio Department of 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
4.8 / 5 (8)
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
Zak Insurance Group logo
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License Verified:

License: 7321744

Ohio Department of Insurance

Zak Insurance Group

4306 Ridge Road, Brooklyn, OH 44144
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  • Individual Plans
  • Group Plans
  • Life Insurance

Business Description

For 20 years, Zak Insurance has offered a wide variety of insurance policies and related products and services to its clients in Cleveland. The business offers auto, home, dental, life, and health insurance to their clients, both individual or group plans. In addition, the company also offers disability and retirement plans. Its team of expert insurance agents is committed to creating the right insurance policy for its customers by listening to their needs regarding the insurance.

License Verified:

License: 7321744

Ohio Department of 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)

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
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