Expertise.com

Best Health Insurance Agencies in Youngstown

Laurels
2023
Laurels

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Cailor Fleming Insurance logo
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License Verified:

License: 23602

Ohio Department of Insurance

Cailor Fleming Insurance

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4610 Market Street, Youngstown, OH 44513
  • Health Insurance

Business Description

Cailor Fleming Insurance serves residents of Youngstown with health insurance plans. It offers a variety of individual coverage options, including medical, vision, dental, and short and long-term disability insurance plans. It also provides accidental death and dismemberment insurance. Other insurance plans offered by the company are life, home, and auto insurance. It also provides assistance with employee benefits and commercial insurance needs. Cailor Fleming Insurance has been in the business for more than 90 years.

License Verified:

License: 23602

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.
4.4
Google
4.2 / 5 (6)
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
Jan Cefalu logo

License Verified:

License: 28901

Ohio Department of Insurance

Jan Cefalu

727 E Western Reserve Rd, Poland, OH 44514
  • Life Insurance
  • Health Insurance
  • Home & Auto Insurance
  • Business Insurance

Business Description

Jan Cefalu is a State Farm insurance agent who has been serving the insurance needs of Youngstown-based individuals, families, and businesses since 1989. Cefalu and her team of insurance agents offer health insurance plans to prepare ahead in case critical illness strikes. They have supplemental health coverage that reimburses potential medical costs, such as emergency room visits, unexpected child care, extra transportation or meals, and outpatient surgery. Jan Cefalu is a member of the Youngstown Warren Chamber of Commerce Boardman Optimist Club.

License Verified:

License: 28901

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
4.9 / 5 (105)
Facebook
4.3 / 5 (6)

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
McCamon-Hunt Insurance Agency logo

License Verified:

License: 2239

Ohio Department of Insurance

McCamon-Hunt Insurance Agency

8150 Market St, Youngstown, OH 44512
  • Health Insurance

Business Description

McCamon-Hunt Insurance Agency is an independent firm that has been providing a wide range of insurance solutions to individuals, families, and businesses in the Youngstown area for over 80 years. It delivers health insurance plans that cover financial losses due to medical emergencies, including injuries and illnesses. They have different types of health plans, such as dental, long-term care, health maintenance organization, and preferred provider organization. Homeowners', auto, business, and life insurance products are also available.

License Verified:

License: 2239

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 (5)
Google
5.0 / 5 (3)

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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Paige & Byrnes Insurance logo
Visit WebsiteWebsite

License Verified:

License: 687156

Ohio Department of Insurance

Paige & Byrnes Insurance

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9400 E Market St, Warren, OH 44484
  • Individual Plans
  • Life Insurance
  • Medicare Supplements
  • Health Insurance
  • Personal Insurance

Business Description

Since 1921, Paige & Byrnes Insurance has been a family-owned and family-operated company serving individuals and businesses in Youngstown, Hubbard, Canfield, and the surrounding areas. It helps clients protect themselves financially in case they get sick by providing them with individual health insurance. It also offers auto, home, Medicare Supplement, flood, disability, and general liability insurance. Sharon Evinsky, one of the owners of the firm, sits on the Agent Advisory Council with Celina Insurance Group.

License Verified:

License: 687156

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
4.9 / 5 (120)
Facebook
4.8 / 5 (17)
Yelp
4.5 / 5 (7)

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
––
R. Kashmiry and Associates, Inc. logo
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License Verified:

License: 3026

Ohio Department of Insurance

R. Kashmiry and Associates, Inc.

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250 DeBartolo Place, Suite 2550, Boardman, OH 44512
  • Individual Plans
  • Group Plans
  • Health Insurance
  • Medicare

Business Description

R. Kashmiry and Associates, Inc., is an insurance agency that serves the Youngstown area. It provides health insurance plans for self-employed individuals, students, and early retirees. The company also offers group health insurance plans for employers looking to retain key employees. Short-term health insurance policies are provided for new college graduates and clients who are in between jobs. R. Kashmiry and Associates has access to protection plans from UnitedHealthcare, Anthem, Humana, Aetna, and Medical Mutual.

License Verified:

License: 3026

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
4.6 / 5 (10)
Facebook
5.0 / 5 (4)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Suburban Insurance Agency logo
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License Verified:

License: 1116043

Ohio Department of Insurance

Suburban Insurance Agency

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1416 South Raccoon Road, Youngstown, OH 44515
  • Individual Plans
  • Group Plans
  • Life Insurance
  • Home and Auto Insurance
  • Business Insurance
  • Home & Auto Insurance

Business Description

Founded in the 1940s, Suburban Insurance Agency is an independent health insurance firm serving clients in the Youngstown area. Allied with Grange Insurance, the agency covers individual and group health options for those who do not have work benefits as well as those seeking occupational safety between the employer and its staff. The firm’s insurance specialists collaborate with the employer in determining the correct insurance policy based on the business location and the covered staff’s age and number.

License Verified:

License: 1116043

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 (19)
Facebook
5.0 / 5 (5)

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
––
Yost Insurance Agency logo
Visit WebsiteWebsite

License Verified:

License: 1148252

Ohio Department of Insurance

Yost Insurance Agency

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125 Deal Drive, Youngstown, OH 44408
  • Life Insurance

Business Description

Yost Insurance Agency offers health insurance policies to residents of Youngstown and the surrounding areas. It was founded in 2017 by Dave Yost, an insurance agent with over 13 years of experience in the industry. The company specializes in providing Medicare plans for senior citizens. Some of these policies include Medicare Advantage, Medicare Supplements, and Medicare Prescription Drug Plans (PDP). Other products provided by Yost Insurance Agency are auto, homeowners, business, and life insurance. Umbrella policies are also available for clients who wish to have coverage beyond the traditional limits.

License Verified:

License: 1148252

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.
4.2
Google
4.0 / 5 (22)
Facebook
5.0 / 5 (6)
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

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.