Best Health Insurance Agencies in Baytown


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Jenny Montes logo

Jenny Montes

4808 East Fwy, Baytown, TX 77521
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Jenny Montes is an insurance agent who provides services to clients in and around Baytown. She administers a variety of health insurance policies and offers options such as individual medical coverage, supplemental health insurance, and Medicare Supplement insurance. Additionally, she handles other personal insurance plans, including property, home, auto, pet, and life insurance. Montes is a member of the Baytown Chamber of Commerce. She leads a team through State Farm and also caters to clients who speak Spanish.

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Larry Wilkey logo

Larry Wilkey

116 W Baker Road, Baytown, TX 77521
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  • Medicare Supplements

Larry Wilkey is a State Farm Insurance broker who serves clients in Baytown and the surrounding metro areas. Wilkey manages health insurance plans, assisting individuals and families in obtaining the most appropriate health coverage for their needs. He specializes in individual medical, supplemental health, and Medicare supplement plans. He also advises clients who want to update their insurance policies or file medical claims. Wilkey has worked for State Farm Insurance since 1978. He is also involved in community youth initiatives.

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Paul Wankowicz logo

Paul Wankowicz

3413 Garth Road, Baytown, TX 77521
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  • Health Insurance

Paul Wankowicz is an insurance agent who assists clients in Baytown and the surrounding areas. He offers health insurance coverage, including Medicare supplement insurance, individual medical coverage, and supplemental health insurance. He also provides coverage for life, home, automobile, property, and pets. Additionally, he handles other products and services, such as mutual funds, annuities, and banking. Paul Wankowicz has been leading a team through State Farm since 2004. His team has been awarded the State Farm Ambassador Travel and the State Farm Chairman’s Circle.

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Ray Grayson logo

Ray Grayson

8018 N Highway 146 Suite 2, Baytown, TX 77523-2206
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  • Life Insurance
  • Business Insurance

Ray Grayson is an insurance agent who serves clients in Baytown and the neighboring areas. He helps process health insurance claims and offers various policies, including Medicare supplement insurance, supplemental health insurance, and individual medical coverage. Other personal insurance plans that he covers include home, property, auto, and life. He assists artisan contractors and small business owners obtain protection with business insurance plans. Ray Grayson leads a team through State Farm. His office also caters to clients who speak Spanish.

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Frequently Asked Questions

Q: Is there a tax credit for having health insurance?

A: 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.

Q: Do employers have to offer health insurance?

A: 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.

Q: Do you have to pay a health insurance deductible upfront?

A: 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.

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