Expertise.com

2024

Last updated:

Best Health Insurance Agencies in Columbia

Our Recommended Top 7

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 Columbia 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.

2390Reviewed

1436Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

455 Saint Andrews Road, Columbia, SC 29210
WebsiteLicense: 5536857
Website

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Established in 1962, David M. Gilston Insurance Agency, a full-service brokerage, has been representing various carriers for lines of insurance such as health, life, disability, vision, dental, and the growing senior markets. With three locations, including one in Columbia, this general agency works with brokers to help find the comprehensive benefits packages available to meet the needs of consumers. It assigns dedicated representatives to work closely with brokers and their clients, striving to foster its relationships by strengthening support before, during, and after enrollment.

  • Individual Plans
  • Life Insurance
  • Group Plans

7554 Woodrow Street, Irmo, SC 29063
WebsiteLicense: 1912741912
Website

Expertise.com Rating

Review Sources

Google
4.0 (12)
Facebook
5.0 (4)

Why choose this provider?

Independent Insurance Brokers & Associates specializes in providing insurance solutions for individuals and businesses throughout Columbia. Headquartered in Irmo, the agency offers an extensive range of personal insurance products, such as health insurance plans. These can have various coverage options, including long-term care, vision and dental coverage, medical expenses, and surgical expenses. As an independent agency, it represents multiple insurance companies to create plans tailored to each client. The family-owned and family-operated business's team holds over 100 years of collective industry experience.

  • Life Insurance

8910 Two Notch Road, Columbia, SC 29223
WebsiteLicense: 1902839175
Website

Expertise.com Rating

Review Sources

Google
4.0 (6)
Facebook
3.0 (4)

Why choose this provider?

Alpine Agency is a full-scale general agency that has been serving clients with insurance solutions in Columbia and surrounding areas for 20 years. The agency offers businesses with small to large group health insurance for its eligible employees and their dependents. In addition, its insurance specialists provide supplementary options like vision, dental, and life insurance plans. They also handle Medicare solutions, including Medicare Supplements, Medicare Advantage, and Prescription Drug Plans for older residents and retirees. Its carrier partners include Companion Life Insurance Co. and Cigna.

  • Individual Plans
  • Group Plans
  • Life Insurance

3700 Forest Drive, Columbia, SC 29204
WebsiteLicense: 1902346811

Expertise.com Rating

Review Sources

Facebook
4.0 (29)
Google
4.0 (12)

Why choose this provider?

Insurance Management Group is a company that offers medical insurance plans to companies in Columbia and the surrounding areas. This full-service insurance agency partners with different carriers offering medical coverage plans that will attract applicants and retain existing employees. Its employee benefit programs also include life, disability, vision, and dental insurance. In addition, Insurance Management Group provides personal and commercial insurance plans, including auto, home, individual and group travel, cyber liability, and umbrella insurance policies.

  • Life Insurance

2718 Middleburg Drive, Columbia, SC 29204
WebsiteLicense: 1903325640
Website

Expertise.com Rating

Review Sources

Google
5.0 (19)
Facebook
5.0 (7)

Why choose this provider?

Turbeville Insurance Agency is a full-service independent company that has been developing specialized benefit plans for the community of Columbia since 1991. It works with more than 70 carriers to create coverages for life and health policies. In addition, the business offers disability insurance and accident policies. The Grant Thornton South Carolina 100 has included Turbeville Insurance Agency in its Top 100 Privately Owned Businesses in South Carolina list for the past three consecutive years.

  • Life Insurance

3321 Forest Drive, Columbia, SC 29204
WebsiteLicense: 1909339323
Website

Expertise.com Rating

Review Sources

Google
4.0 (102)
Facebook
5.0 (99)

Why choose this provider?

Lourie Life & Health offers health insurance solutions to individuals and families in Columbia. It offers health, dental, and vision insurance, as well as hospital indemnity. The business also provides life insurance coverage, including term, whole, and universal life, in addition to Medicare options, such as Medicare Part A, B, and D. Its owner, Joel Lourie, strives to stay updated on the market trends. Moreover, it represents multiple carriers, including Humana, Mutual of Omaha, EnvisionRx, and Care Improvement Plus.

  • Life Insurance

1225 Pickens Street, Columbia, SC 29201
WebsiteLicense: 1906204391
Website

Expertise.com Rating

Review Sources

Google
4.5 (11)
Facebook
5.0 (3)

Why choose this provider?

Vista Insurance Group is a full-service agency with a Columbia location providing personal and commercial insurance options. It handles health, umbrella, special dwelling, and auto insurance matters. The agency also provides retirement income planning services, including long-term care and legacy planning. It utilizes a paperless agency management system that allows clients to be alerted on changes with their carriers or premiums and safeguards their information from various threats. Vista Insurance Group has over 25 years of experience in the industry.

  • Individual Plans
  • Life 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.

  • How are Health Maintenance Organizations and Preferred Provider Organizations different in Columbia?

    While both HMOs and PPOs have a designated network of healthcare providers and facilities for residents in Columbia, HMOs limit services within this network. In contrast, PPO plan holders in Columbia can opt for healthcare outside the network, albeit at a higher cost. Another difference is that HMOs mandate referrals, while PPOs usually do not.

  • Is health insurance mandatory for residents of Columbia, and can employers offer it?

    In Columbia, it is necessary for individuals to possess a health insurance plan. If their employers provide health insurance as a benefit, they can acquire it through their workplace. However, employers are not obliged by either state or federal law to offer health insurance as part of their benefits.

  • Can you still continue your employee health insurance in Columbia even if you have already resigned?

    In Columbia, the Consolidated Omnibus Budget Reconciliation Act allows you to maintain health insurance through your former employer, even after leaving. This law ensures you can have continued coverage for up to 18 months if your employer has a minimum of 20 employees. Meeting other eligibility requirements like having 18 months of uninterrupted creditable coverage, not being eligible for Medicare or Medicaid, lacking health insurance, and applying within 63 days after losing coverage is essential.

  • Is there a government agency in Columbia that helps people who are ineligible for private health insurance?

    The South Carolina Health Insurance Pool serves individuals in Columbia who are denied coverage by insurance companies due to a medical condition or face premiums over 150% of the pool rate. However, note that SCHIP's plan does not include coverage for long-term or nursing home care, on-site clinics, disability or accident income insurance, and hospital indemnity.

  • Is there a government agency that offers health insurance plans for public employees in Columbia?

    In Columbia, the South Carolina Public Employee Benefit Authority provides two self-funded State Health Plans for employed individuals: Standard and Savings. These plans vary in premiums and deductibles. Standard comes with higher premiums but lower deductibles, whereas Savings plans have lower premiums but higher deductibles. Both cover essential medical services such as outpatient and inpatient care, prescription drugs, and physician's office visits.

  • 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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