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Best Health Insurance Agencies in Lubbock

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2023
Laurels

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Galbraith Group logo
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License Verified:

License: 1497171

Texas Department of Insurance

Galbraith Group

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7007 Salem Park Drive, Lubbock, TX 79424
  • Individual Plans
  • Group Plans

Business Description

Galbraith Group is an insurance firm that delivers an array of policy options to individuals, families, and employers in Lubbock. The firm offers coverage for health, disability, dental, vision, and life. It has health plans for families and individuals, as well as employee benefits packages for small, medium, and large businesses. Galbraith Group represents several insurance carriers to help its clients manage and plan for any potential risk. The agency was established in 2018 by Zach Galbraith, who has more than 20 years of experience in sales and service.

License Verified:

License: 1497171

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 (10)
Facebook
5.0 / 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
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Detail
Sanford & Tatum logo
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License Verified:

License: 684363

Texas Department of Insurance

Sanford & Tatum

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5241 98th Street, Lubbock, TX 79424
  • Individual Plans
  • Life Insurance

Business Description

Sanford & Tatum is an independent heritage risk management company that delivers insurance products and services to clients in Lubbock. It offers health, life, disability, dental, and vision insurance. The agency also provides various types of personal insurance, business insurance, and aviation insurance. In addition, co-CEO and partner Diannah Tatum has been part of the company since 1978. She played a significant role in helping Sanford & Tatum grow, which led to the company's numerous IIABA’s Best Practices Award.

License Verified:

License: 684363

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.
4.3
Google
3.0 / 5 (7)
Facebook
5.0 / 5 (4)

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
Shamburger Agency logo
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License Verified:

License: 1994378

Texas Department of Insurance

Shamburger Agency

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12215 Quaker Avenue, Lubbock, TX 79424
  • Life Insurance

Business Description

Established in 1985, Shamburger Agency is an insurance agency that offers health insurance to individuals and employers in Lubbock and the surrounding areas. Its group health insurance includes dental insurance, vision insurance, critical illness insurance, and disability insurance. Additionally, Shamburger Agency provides term life insurance to its clients. Founder Ross Shamburger started his career in the insurance industry as a sales representative in 1980. Later on, he decided to become an independent insurance broker and formed his own company.

License Verified:

License: 1994378

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.
4.0
Google
4.0 / 5 (44)

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
South Plains Insurance Agency logo
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South Plains Insurance Agency

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5313 50th Street, Lubbock, TX 79414
  • Individual Plans

Business Description

South Plains Insurance Agency is an insurance provider with an office located in Lubbock. It assists clients in making informed decisions when selecting their insurance plans. The company is composed of insurance specialists who offer individual and family health insurance plans to give financial protection from catastrophic health expenditures. They also provide dental insurance that covers unforeseen dental problems and cater to the insurance needs of medium and large-sized businesses.

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 (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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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Texas Agribusiness Insurance logo
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License Verified:

License: 698680

Texas Department of Insurance

Texas Agribusiness Insurance

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8008 Slide Road, Lubbock, TX 79424
  • Group Plans

Business Description

Texas Agribusiness Insurance was formed in 2009 after a demand from the agribusiness community near Lubbock. Since its establishment, the independent insurance agency has helped business owners and clients personalize their employees' healthcare insurance plans through its extensive network of insurance providers. Additionally, Texas Agribusiness Insurance provides assistance with the Affordable Care Act. In addition to providing health insurance policies, the agency helps with mobile equipment, commercial umbrella, workers' compensation, and commercial property insurance plans.

License Verified:

License: 698680

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
Facebook
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
The Claborn Agency, Inc. logo
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License Verified:

License: 9386

Texas Department of Insurance

The Claborn Agency, Inc.

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2513 86th Street, Lubbock, TX 79423
  • Life Insurance

Business Description

The Claborn Agency, Inc., is an insurance brokerage firm that has been serving clients in and around Lubbock for more than two decades. It offers individual and family health insurance policies, including healthcare sharing ministries. It also assists clients aged 65 and above in obtaining Medicare Advantage and Medicare Supplement plans. Additionally, it helps business owners retain their employees by means of employer insurance programs. Its president, John R. Claborn, has been in the insurance industry since the late 1980s.

License Verified:

License: 9386

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 (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.

  • 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.