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Best Health Insurance Agencies in Columbus

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Central Ohio Insurance Services logo
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License Verified:

License: 36319

Ohio Department of Insurance

Central Ohio Insurance Services

1205 Hill Road North, Pickerington, OH 43147
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  • Individual Plans
  • Life Insurance

Business Description

Central Ohio Insurance Services is an independent insurance agency offering its services to Columbus. It helps clients understand the different types of health insurance products available to them. Its health insurance policies help clients pay for surgical, medical, and hospital expenses. Some of its health insurance policies also cover prescription drugs, immunizations, preventive health care, and dental expenses. Bill Lutz and David Rosen founded Central Ohio Insurance Services in 2007. They have nearly 20 years of combined experience in the insurance industry.

License Verified:

License: 36319

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 (58)
Yelp
1.0 / 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
Detwiler-Brofford Insurance logo
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License Verified:

License: 3243337

Ohio Department of Insurance

Detwiler-Brofford Insurance

130 East Chestnut Street, Columbus, OH 43215
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  • Individual Plans
  • Group Plans
  • Life Insurance

Business Description

Detwiler-Bradford is an insurance agency that caters to individuals and businesses in the Columbus area. The company offers group benefits, such as health, dental, vision, and disability plans. Furthermore, it provides assistance to people who are approaching or in their senior years through Medicare insurance policies. The agents at Detwiler-Bradford handle other services, such as home, auto, and commercial insurance. Founder Bob Detwiler established the agency in 1984 and was in the industry for over 21 years prior to his retirement.

License Verified:

License: 3243337

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 (64)
Facebook
5.0 / 5 (38)
Yelp
5.0 / 5 (3)
Hyers & Associates logo
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License Verified:

License: 32562

Ohio Department of Insurance

Hyers & Associates

240 Collins Avenue, Columbus, OH 43215
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  • Individual Plans

Business Description

Hyers & Associates is an independent insurance provider that serves clients throughout Columbus and the neighboring communities. This insurance brokerage offers a wide array of insurance products, specializing in life and health insurance policies. Its team of agents provides a variety of life insurance plans, including funeral expense insurance, single premium insurance, and term life insurance. It also offers universal and whole life insurance policies. Company founder Adam Hyers established the business in 2002. Adam has been a licensed insurance agent for over two decades.

License Verified:

License: 32562

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 (18)
Facebook
5.0 / 5 (4)

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
John Dawson Associates logo
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License Verified:

License: 1788

Ohio Department of Insurance

John Dawson Associates

6025 Cleveland Avenue, Columbus, OH 43231
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  • Life Insurance

Business Description

John Dawson Associates has been providing clients in Columbus with health insurance since 1958. It customizes coverage options to fit the clients' specific needs. Its health insurance products include individual and group health plans, long-term care, and Medicare Supplement plans. In addition, the independent agency offers life insurance options, which cover term life, low-cost term life, universal life, final expense insurance, and mortgage insurance. It has access to various providers, such as Progressive, MetLife, and Donegal Insurance Group.

License Verified:

License: 1788

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.
4.0
Google
4.0 / 5 (250)

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
––
Medicare Resource Center logo
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License Verified:

License: 1252315

Ohio Department of Insurance

Medicare Resource Center

5212 North High Street, Columbus, OH 43214
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  • Individual Plans
  • Life Insurance

Business Description

Medicare Resource Center is a Columbus-based health insurance agency specializing in Medicare insurance plans. Its team of agents helps clients understand Medicare options available to them and guides them through the application and claims process. They offer assistance on Medicare Advantage, Medicare Supplements, prescription drug coverage, and other Medicare plans. The company has a roster of experienced and licensed agents who have in-depth knowledge of Medicare and are equipped to help clients navigate and maximize their Medicare coverages.

License Verified:

License: 1252315

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.
4.3
Google
4.0 / 5 (8)
Facebook
5.0 / 5 (2)
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
MMA Insurance logo
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License Verified:

License: 9857231

Ohio Department of Insurance

MMA Insurance

670 Windmiller Drive, Pickerington, OH 43147
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  • Individual Plans
  • Life Insurance

Business Description

MMA Insurance provides comprehensive health insurance solutions to its clients in Columbus and the surrounding communities. The independent business looks for carriers on behalf of self-employed individuals that can cover preventive healthcare, including checkups, screenings, and vaccines. Its agents also help customers to score flexible healthcare coverage to match their lifestyles and needs. The coverage depends on the policyholders' risk and health status. The company has two five-star insurance professionals on board, Amanda Barnes and Christy Senalik.

License Verified:

License: 9857231

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.
4.9
Google
4.0 / 5 (91)
Facebook
5.0 / 5 (60)

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
Ohio Group Insurance Consultants logo
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License Verified:

License: 10814777

Ohio Department of Insurance

Ohio Group Insurance Consultants

2955 Donnylane Boulevard, Columbus, OH 43235
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  • Individual Plans
  • Life Insurance

Business Description

Ohio Group Insurance Consultants is a full-service insurance firm based in Columbus serving individuals, families, and small businesses in the area and its surrounding areas. With more than 80 years of combined experience, its team can deliver health, life, long-term care, and disability insurance policies. Ohio Group Insurance Consultants has access to more than 50 insurance carriers to provide its clients with comprehensive coverage plans that can best respond to their potential needs. Moreover, the company is a member of The Shield Companies.

License Verified:

License: 10814777

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)
Spiralight Group Benefits logo
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License Verified:

License: 36793

Ohio Department of Insurance

Spiralight Group Benefits

565 Metro Place South, Dublin, OH 43017
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  • Individual Plans
  • Group Plans

Business Description

Spiralight Group Benefits is an insurance agency that serves clients in Columbus. In collaboration with various insurance providers, it develops healthcare, life, long-term care, disability, dental, and vision insurance plans for its clients and their employees. The agency also offers human resource consulting solutions that cover employee retention, occupational training, and workforce development programs. To synchronize employee data across various applications, Spiralight Group Benefits uses an employee benefits administration software called Onboarding & Administration Software Integration Solution (OASIS).

License Verified:

License: 36793

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)
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
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