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Best Health Insurance Agencies in College Station

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Camp Insurance Agency logo
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License Verified:

License: 1014048

Texas Department of Insurance

Camp Insurance Agency

1401 Sebesta Rd, College Station, TX 77845
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  • Health Insurance

Business Description

Camp Insurance Agency provides coverage to clients in the College Station area. The firm's individual health insurance adds to the benefits provided by company health plans. The policy covers costs for treatments, hospitalizations, and medical procedures. The company's life insurance plan can be used to pay off funeral costs and debts when the policyholder passes on, while its auto insurance covers the vehicle, its passengers, and other drivers. The firm also offers policies for homes and businesses.

License Verified:

License: 1014048

Texas Department of 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 (7)

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
––
Cole Campbell logo
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License Verified:

License: 2251338

Texas Department of Insurance

Cole Campbell

2911 Texas Ave. S., Ste 102, College Station, TX 77845
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  • Life Insurance
  • Health Insurance
  • Home & Auto Insurance
  • Business Insurance

Business Description

Serving College Station and the nearby areas, Cole Campbell is a State Farm agent who assists individuals and families to secure health insurance policies that fit their specific needs. He and his team aim to protect clients and their loved ones from significant financial loss caused by unexpected medical, surgical, and hospital costs. He also educates clients on other insurance products such as auto, homeowners', renters', and life insurance. Campbell is an active member of the Bryan College Station Chamber of Commerce.

License Verified:

License: 2251338

Texas Department of 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.
4.6
Google
4.7 / 5 (111)
Yelp
2.5 / 5 (4)
Kasper Insurance Group logo
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License Verified:

License: 13162

Texas Department of Insurance

Kasper Insurance Group

3525 Longmire Drive, College Station, TX 77845
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  • Life Insurance
  • Health Insurance

Business Description

Kasper Insurance Group delivers insurance solutions to individuals and small businesses in the College Station metro and the surrounding communities. It is a health insurance service provider that offers individual, group, dental, and Medicare coverages. Additionally, the company helps clients acquire other personal and business policies, including life, business overhead, and buy-sell insurance. Kasper Insurance Group is an independent agency that has been in the business since 1999. Founder Richard Kasper has served the Bryan-College Station Chamber of Commerce for six years.

License Verified:

License: 13162

Texas Department of 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

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
––
Khalid Alrashed logo
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License Verified:

License: 2615290

Texas Department of Insurance

Khalid Alrashed

505 University Drive E, STE 101, College Station, TX 77840
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  • Health Insurance

Business Description

Khalid Alrashed has been a State Farm insurance agent since 2008, serving the College Station metro. He offers health, life, auto, home, and business insurance plans. He aims to build relationships with policyholders by listening to their wants and fears and helping them find tailored solutions. Alrashed, a finance and management degree holder, is a member of the National Association of Insurance and Financial Advisors. He is also a member of State Farm's President's Club, Chairman's Circle, and Ambassador Club.

License Verified:

License: 2615290

Texas Department of 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 (98)
Facebook
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Wallace Health Insurance Group logo
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License Verified:

License: 2479250

Texas Department of Insurance

Wallace Health Insurance Group

1645 Greens Prairie Road West #303, College Station, TX 77845
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  • Individual Health Insurance
  • Health Insurance

Business Description

Led by Freddie Wallace, Wallace Health Insurance Group serves individuals, families, and businesses owners in College Station. The insurance agency mainly offers PPO health insurance, with Wallace and his staff helping clients find and tailor policies according to their coverage preferences and financial circumstances. These policies include coverage for things like accidents and catastrophic injuries alongside additional elements like nationwide coverage and out-of-network benefits. Wallace has been working in the insurance industry for almost two years.

License Verified:

License: 2479250

Texas Department of 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 (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
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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.

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