Expertise.com

2024

Last updated:

Best Health Insurance Agencies in Providence

Our Recommended Top 5

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Providence Health Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

3224Reviewed

1936Curated

5Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1900 Pawtucket Avenue, East Providence, RI 02915
WebsiteLicense: 2089245

Expertise.com Rating

Review Sources

Google
3.0 (14)
Facebook
5.0 (1)

Why choose this provider?

Platinum Insurance Agency, Inc., is an independent insurance agency providing health insurance products to clients in Providence and the surrounding communities. In addition to traditional policies, the company also assists with Medicare Supplements, medical savings accounts, long-term care, and disability insurance. Other insurance plans offered include personal, life, and commercial coverage. Its life insurance options consist of universal, whole, term, and annuities. Platinum Insurance Agency, Inc., helps with group benefits insurance, covering health, life, disability, and dental needs.

  • Individual Plans
  • Life Insurance

1232 Mineral Spring Avenue, North Providence, RI 02904
WebsiteLicense: 1089510

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Aloisio Insurance Associates, Inc., has been helping families and businesses with their insurance needs for over 35 years. The firm works with its partner carriers to help communities in Providence obtain suitable insurance coverage. It includes health protections through medical plans designed for individuals and group benefits. Life, disability, home, condominiums, auto, business, and workers' compensation are among the company's other insurance programs. Aloisio Insurance Associates also deals with estate planning and financial services.

  • Life Insurance

75 Newman Avenue Suite L1, East Providence, RI 02916
WebsiteLicense: 3001274416
Website

Expertise.com Rating

Review Sources

Google
5.0 (5)
Facebook
5.0 (5)

Why choose this provider?

Eagle Insurance is a full-service agency serving Providence and surrounding communities. It helps individuals, families, and businesses in customizing insurance coverage for different needs and preferences, including health benefits for employees and Medicare eligibility. Its team of independent agents conducts consultations for individuals who are turning 65 and are seeking Medicare benefits, those who are over 65 and are looking to retire, or policyholders who want to review their coverage options. The agency also offers auto, workers' compensation, and homeowners' insurance.

  • Health Insurance

2050 Mineral Spring Avenue, North Providence, RI 02911
WebsiteLicense: 2337170

Expertise.com Rating

Review Sources

Google
5.0 (15)
Facebook
5.0 (15)

Why choose this provider?

Independent Benefit Solutions, LLC, is an insurance agency that caters to clients in Providence. It offers various health insurance policies, including critical illness, FSA, group benefits, HMO, and HSA. It also provides dental, individual, and vision insurance plans. Nicholas H. Pacheco, the owner, has more than 18 years of experience in financial services and insurance. He stays involved in his community by being a member of the Northern Rhode Island Chamber of Commerce and the Rhode Island Estate Planning Council. Nicholas holds a CLTC designation.

  • Individual Plans
  • Life Insurance

1309 Chalkstone Ave., Providence, RI 02908
WebsiteLicense: 1092696
Website

Expertise.com Rating

Review Sources

Google
4.9 (201)
Facebook
5.0 (18)

Why choose this provider?

Podmaska Insurance Agency is a local independent business serving clients in Providence. It provides health insurance options for individuals and groups that cover dental and vision care, as well as expenses for hospitalization, accidents, critical illness, and disabilities. Its agents strive to match products and services with the specific needs of each client. The company also creates specialized policies to protect homes and properties and risk management solutions for businesses. Podmaska Insurance Agency represents multiple carriers, including MetLife and Progressive.

  • Group Plans
  • Health Insurance

FAQs

  • 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.

  • Do you have to pay extra for health insurance in Providence if you are ill or have a pre-existing condition?

    In accordance with the Affordable Care Act, insurance companies in Providence are not allowed to raise your premiums because you are unwell or have a history of health issues. Your age, family size, and household income should be the only factors used to determine the cost of your health insurance.

  • What is typically covered by health insurance policies in Providence?

    The same fundamental set of healthcare services, such as ambulatory patient services, hospitalization, maternity and newborn care, pediatric treatments, and prescription medicines, must be covered by all health plans in Providence. Emergency services, treatment for mental illness and substance abuse, rehabilitation, management of chronic diseases, and laboratory tests should also be covered.

  • How much is the fine for Providence residents who do not have health insurance?

    The penalty for not having such coverage is determined in the same way as the individual requirement under the Affordable Care Act, meaning the fine might be a fixed fee of $695 or 2.5% of the offender's annual income, whichever is higher. Since 2020, the majority of residents of Providence and their family members must have basic essential coverage for each month of the year under Rhode Island's individual mandate.

  • What options do residents in Providence have for obtaining health insurance?

    Residents in Providence have several options for health insurance, including through their place of employment, the state-based Health Insurance Marketplace, a direct relationship with an insurance provider, or government-sponsored programs like Medicaid, the Children's Health Insurance Program, and Medicare. In order to allow citizens who are not qualified for other Medicaid programs or Medicare to obtain health insurance, Rhode Island also expanded Medicaid coverage in 2014.

  • What are the income criteria for Providence's Medicaid eligibility for different age groups?

    Recipients must achieve income qualifying standards expressed as a percentage of the federal poverty level in order to be eligible. The percentages are 133% for parents, 138% for childless adults, 253% for pregnant women, 261% for children, and 100% for seniors and people with disabilities. Low-income families, expectant mothers, senior citizens, individuals with disabilities, and others with special needs in Providence may be eligible for this publicly-funded healthcare Medicaid coverage.

  • 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.

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