Expertise.com
2024

Last updated:

Best Health Insurance Agencies in Memphis

Our Recommended Top 10

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 Memphis 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.

12576

Reviewed

7549

Curated

10

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
4216 Millbranch Road, Memphis, TN 38116
  • Individual Plans
  • Life Insurance

Why choose this provider?

Pete Mitchell & Associates, Inc. is an independent insurance agency serving the Memphis community for over 40 years. It helps clients find the right health insurance coverage at affordable premiums. The company covers four major health insurance policies, namely POS, PPO, HMO, and EPO. Its agents also handle other insurance lines, including life insurance, home insurance, auto insurance, and liability. The company's founder, Pete Mitchell, is a three-time Black Business Association Benny Award Winner for outstanding professional service.

License Verified:

License: 3674

Tennessee Department of Commerce & 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 (16)
Facebook
4.0 / 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.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
3264 West Sarazens Circle, Memphis, TN 38125
  • Individual Plans
  • Group Plans

Why choose this provider?

Shane Lackey is a Memphis-based insurance agent who works for USHealth Advisors, a company under UnitedHealthcare. He provides standard and tailor-made insurance plans for individuals, families, and commercial organizations. He explains different benefits such as 24/7 coverage, portable coverage, and health screenings. He also provides coverage for those facing critical or terminal illnesses. Shane can add dental coverage with specialized services like orthodontics and preventative care. He also offers vision coverage with annual frame allowance and comprehensive eye exams.

License Verified:

License: 2033794

Tennessee Department of Commerce & 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
Facebook
5.0 / 5 (16)
Google
4.0 / 5 (8)

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

Website
5118 Park Avenue, Memphis, TN 38117
  • Life Insurance

Why choose this provider?

Memphis’ Smith-Berclair Insurance—an independent insurance agency—serves the insurance needs of residents and businesses in the area. It carries packages like health and life insurance plans as well as home, auto, and yacht insurance. It first opened its doors to clients in 1966 when Cecil Smith decided to venture out on his own. His sons, Brad and Stan Smith, and son-in-law Herb Davis carried on the family business. It later acquired the Berclair Agency—which has served Memphis since 1923.

License Verified:

License: 628278

Tennessee Department of Commerce & 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 (4)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
606 South Mendenhall Road, Memphis, TN 38117
  • Group Plans

Why choose this provider?

Collier is an insurance agency that has been providing insurance services to individuals, families, and businesses in the Memphis area since 1911. The fourth-generation brokerage offers a wide array of risk management solutions, including group health, disability, and life insurance policies. Additionally, Collier provides extensive commercial coverage, such as inland marine coverage and technology, vineyard and winery insurance, and personal insurance policies. Clients can access the company's website for its client portal and online resources.

License Verified:

License: 722398

Tennessee Department of Commerce & 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
4.0 / 5 (14)
Facebook
5.0 / 5 (12)

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

Website
4515 Poplar Avenue, Memphis, TN 38117
  • Life Insurance

Why choose this provider?

Sneed Insurance is a health insurance agency serving clients from Memphis and nearby areas. The firm provides various health insurance products designed for employees, such as group health, group disability, dental, and vision plans. Founded by Thomas Robinson and George Sneed, the company has been providing its services to the community since 1957. It is currently led by Tommy Sneed Jr., who believes in providing clients customized insurance solutions and building long-term relationships with them.

License Verified:

License: 2179034

Tennessee Department of Commerce & 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 (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.
3.5
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
4899 Summer Avenue, Memphis, TN 38122
  • Individual Plans

Why choose this provider?

Medicare Insurance Advisors is a company that specializes in Medicare and dental insurance services. The local and independent insurance firm has locations in Memphis and the Tri-Cities. It partners with many carriers, and its team of advisors strives to help clients make informed decisions by educating them about the different Medicare options. Medicare Insurance Advisors was founded in 2012 as a community resource for seniors. It focuses on education and long-term support.

License Verified:

License: 2077347

Tennessee Department of Commerce & 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 (21)

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

Website
2657 Appling Road Ste 101, Memphis, TN 38133
  • Life Insurance

Why choose this provider?

Heath Johnson is an insurance agent who offers health insurance for individuals and businesses in Memphis and its surrounding areas. He has been a State Farm agent for over 28 years. He offers different health insurance policies such as supplemental health, individual medical, and medicare supplement. Aside from health insurance, he also provides policies for businesses like commercial auto, workers' compensation, and business owners' policy. Heath focuses on establishing a personal relationship with his clients to understand their needs better.

License Verified:

License: 2319458

Tennessee Department of Commerce & 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 (46)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
2670 Union Avenue, Memphis, TN 38112
  • Individual Plans
  • Life Insurance

Why choose this provider?

Lipscomb & Pitts Insurance is an independent insurance brokerage in Memphis that has been offering personal and business insurance solutions to clients in the metro since 1954. It works with dozens of insurance providers in the region and offers diverse quotes for health insurance plans. Some of its health plans include individual health coverage, chronic illness coverage, critical illness coverage, long-term care coverage, and disability insurance policies. It also provides specialized insurance products for businesses in the trucking industry.

License Verified:

License: 2002507

Tennessee Department of Commerce & 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
4.0 / 5 (17)
Facebook
5.0 / 5 (13)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
4735 Spottswood Avenue, Memphis, TN 38117
  • Life Insurance
  • Individual Plans
  • Group Plans

Why choose this provider?

Insurance Consulting Group, Inc., is a health insurance firm that serves clients in Memphis and nearby areas. The company offers a wide range of health insurance products, such as group medical insurance, as well as employer health, vision, and dental plans. The privately held firm has been providing its services to the community since 1986. Moreover, its founder, Steve Rodgers, is an insurance professional who has been working in the industry for more than 35 years.

License Verified:

License: 2513

Tennessee Department of Commerce & 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 (5)

Website
5165 Poplar Avenue, Memphis, TN 38117
  • Group Plans
  • Life Insurance

Why choose this provider?

Larry E. Crum & Associates is an insurance agency founded in 1968 by Larry E. Crum, Sr., who has been in the field since 1967. The primary products of the company include life, group health, auto, homeowners', and business insurance. It also offers specialized products like farm, earthquake and flood, and workplace violence insurance. Starting from an office in Memphis, the agency grew through the years and is now offering its services to nine locations in the states of Tennessee, Arkansas, Mississippi, and Missouri.

License Verified:

License: 2237987

Tennessee Department of Commerce & 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 (25)
Facebook
5.0 / 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

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.

  • What is coinsurance in Memphis?

    Coinsurance in Memphis refers to the part of your medical expenses you are responsible for paying after reaching your deductible and when your health insurance in Memphis becomes active. If, for example, your coinsurance rate is 20%, your insurance company will cover 80% of the remaining 20% of your eligible medical costs.

  • What is Health Maintenance Organization (HMO) in Memphis?

    Health Maintenance Organization is a health insurance plan in Memphis that often restricts coverage to medical services provided by practitioners employed by or under contract with the HMO. Non-emergency out-of-network care is typically not included. You may need to reside or work within the HMO's service region to qualify for this insurance. HMOs often prioritize coordinated healthcare focused on wellness and preventive measures.

  • Is it necessary to utilize the Health Insurance Marketplace in Memphis?

    Using the Memphis marketplace is optional, although it's commonly utilized because it's the sole route to access the Advanced Premium Tax Credit. You can enroll with any insurer with your desired health insurance policy if you think you won't qualify for tax credits or financial aid. If your income exceeds the threshold for affordable healthcare coverage through the marketplace, exploring alternative options might be a more economical approach.

  • When should one obtain short-term health insurance in Memphis?

    If you're seeking temporary coverage in Memphis, you might want to look into short-term health insurance. Here are some instances:

    • You're in a job transition phase.
    • You're awaiting the commencement of coverage at a new job.
    • You're no longer covered by your parent's health plan due to turning 26.
    • You've passed the enrollment period for obtaining Obamacare.
  • What conditions could result in a health insurance coverage denial in Memphis?

    The process of obtaining approval for a short-term health insurance plan in Memphis may pose considerable difficulty if you find yourself dealing with any of the mentioned health conditions below:

    • Epilepsy.
    • Congenital heart ailment.
    • Congestive heart issues.
    • Renal or kidney ailment.
    • Autoimmune conditions.
    • Chronic obstructive pulmonary disease.
    • Asthma.
    • Malignancy.
  • 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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