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Best Health Insurance Agencies in Scranton

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Capital Insurance Works logo
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License Verified:

License: 642015

Pennsylvania Insurance Department

Capital Insurance Works

3 West Olive St Suite 126, Scranton, PA 18508
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  • Individual Plans
  • Group Plans
  • Life Insurance
  • Health Insurance

Business Description

Capital Insurance Works is an independent agent that represents numerous insurance companies to serve clients' needs in Scranton and nearby locations. Its insurance professionals assess clients' insurance needs and provide a package that best fits specific situations and budget considerations. They have health insurance plans that are available for both individuals and families. Capital Insurance Works also have additional products, such as commercial property, workers' compensation, personal umbrella, recreational vehicle, and professional liability insurance plans.

License Verified:

License: 642015

Pennsylvania Insurance Department

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 (8)
Google
5.0 / 5 (1)
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
Connor-Helring Associates, Inc. logo
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License Verified:

License: 59270

Pennsylvania Insurance Department

Connor-Helring Associates, Inc.

1906 Sanderson Avenue, Scranton, PA 18509
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  • Health Insurance

Business Description

Connor-Helring Associates, Inc., founded in 1970, serves individuals, families, and businesses in the Scranton metro. The firm offers an array of personal and commercial insurance products, including health and voluntary benefits for self-employed individuals and small business owners with a limited number of workers. The independent agency represents different providers, including American Modern, The Hartford, Plymouth Rock Assurance, National General Premier, and Progressive. Other products include life, auto, business liability, commercial property, and workers’ compensation insurance.

License Verified:

License: 59270

Pennsylvania Insurance Department

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
Facebook
4.0 / 5 (8)
Google
4.7 / 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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Courtney Lisk logo
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License Verified:

License: 868448

Pennsylvania Insurance Department

Courtney Lisk

1759 Sanderson Avenue, Scranton, PA 18509
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  • Health Insurance

Business Description

Courtney Lisk is a full-service insurance agent with State Farm who serves individuals, families, and businesses in Scranton and the surrounding areas. One of her services is focused on health insurance. Lisk provides clients with insurance options that provide coverage for health care needs, such as long-term care and medical, surgical, and hospital expenses. Other products and services include life, home, and auto insurance. Lisk is also able to arrange Medicare supplement plans to cover deficiencies in clients' policies.

License Verified:

License: 868448

Pennsylvania Insurance Department

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 (59)
Facebook
5.0 / 5 (14)

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
Cummings Insurance logo
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License Verified:

License: 59798

Pennsylvania Insurance Department

Cummings Insurance

1301 Madison Avenue, Dunmore, PA 18509
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  • Individual Plans
  • Group Plans

Business Description

Cummings Insurance is an agency addressing the health insurance needs of Scranton residents. The company specializes in employee benefits, providing benefit brokerage, health care reform consultation, HR advocacy, wellness plan consultation, and self-insurance program evaluation services. It also serves individuals and families who are looking for home, auto, business, and commercial insurance policies. The organization has been offering comprehensive insurance and employee benefits coverages to businesses and people in northern Pennsylvania since 1993.

License Verified:

License: 59798

Pennsylvania Insurance Department

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 (8)
Google
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
Maria Evers logo
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License Verified:

License: 363861

Pennsylvania Insurance Department

Maria Evers

2601 Birney Avenue, Scranton, PA 18505
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  • Home and Auto Insurance
  • Business Insurance
  • Life Insurance
  • Health Insurance

Business Description

Maria Evers is a Scranton-based State Farm insurance agent. She and her team help individuals find and apply for an assortment of insurance products, ranging from individual health and pet medical coverage plans to short- and long-term disability insurance. They also help clients avail themselves of Medicare supplement plans. Evers also assists clients in changing their existing policies. Her team houses employees who are fluent in Spanish. Evers has been working in the insurance industry since 1991.

License Verified:

License: 363861

Pennsylvania Insurance Department

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 (15)
Facebook
4.2 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Millennium Administrators logo
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License Verified:

License: 652994

Pennsylvania Insurance Department

Millennium Administrators

Scranton, PA
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  • Individual Plans
  • Life Insurance
  • Health Insurance

Business Description

Millennium Administrators is an insurance service provider that caters to clients throughout Scranton and the surrounding areas. It offers Medicare Advantage, Supplements, and Prescription Drug Plans; other health and disability policies; and life insurance. The agency provides insurance policies from various carriers, including Aetna, Humana, Guardian, John Hancock, and Pacific Life. It helps clients assess their insurance needs and works with them to determine the right level of insurance coverage.

License Verified:

License: 652994

Pennsylvania Insurance Department

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

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
––
Northeast Benefit Administrators, LLC logo
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License Verified:

License: 324534

Pennsylvania Insurance Department

Northeast Benefit Administrators, LLC

428 Lackawanna Avenue, Scranton, PA 18503
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  • Individual Plans
  • Group Plans
  • Health Insurance

Business Description

Northeast Benefit Administrators, LLC, provides individual and group health policies from various providers in Scranton. Its agents take time to know clients and customize plans tailored to their personal goals and circumstances. They assist consumers in choosing Medicare, dental, vision, long-term care, and disability protection policies that suit their needs. Owner Susan Sariti is a Financial Services Certified Professional who has been helping people in their insurance and investment matters for over 20 years.

License Verified:

License: 324534

Pennsylvania Insurance Department

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Smith Insurance Services, Inc. logo
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License Verified:

License: 56881

Pennsylvania Insurance Department

Smith Insurance Services, Inc.

538 Spruce Street, Scranton, PA 18503
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  • Life Insurance
  • Health Insurance
  • Medicare

Business Description

Smith Insurance Services, Inc., offers an array of products to individuals, families, and business owners in the Scranton metro and nearby areas. It provides health insurance plans, which include Medicare Advantage Part A, B, and D coverages. These health insurance policies cover policyholders' medical expenses. Smith Insurance Services also serves clients who want to obtain life, long-term care, and mortgage protection insurance. Founder Bill Smith has been in the insurance industry for more than 35 years.

License Verified:

License: 56881

Pennsylvania Insurance Department

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.
3.0
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