Expertise.com

Best Health Insurance Agencies in Lubbock

2023

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

Why choose this provider?

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
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Website
5241 98th Street, Lubbock, TX 79424
  • Individual Plans
  • Life Insurance

Why choose this provider?

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.
3.7
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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
Helpfulness
Detail

Website
8008 Slide Road, Lubbock, TX 79424
  • Group Plans

Why choose this provider?

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

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
12215 Quaker Avenue, Lubbock, TX 79424
  • Life Insurance

Why choose this provider?

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

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.

  • Can you keep your current health insurance plan if you move to Lubbock from another state?

    If you move to Lubbock from another state, you may be able to keep your current health insurance plan if it is a multi-state plan or if your insurer has a presence in Lubbock. However, it is critical to confirm this information with your insurance provider because certain plans may expire when you move or may not provide coverage in the new state.

  • Can your health insurance provider cancel your policy in Lubbock?

    Yes, your Lubbock health insurance company has the option to change or discontinue your coverage at the end of your contract. However, they are required to notify you of the change in coverage. Your insurance provider may also cancel your policy or refuse to pay your claims if you intentionally provide false information or omit important details.

  • Are there health insurance options for low-income individuals in Lubbock?

    Yes, Medicaid and the Children's Health Insurance Program (CHIP) provide health insurance to low-income people in Lubbock, including children, families, seniors, and people with disabilities. To be eligible, your income must be less than 198% of the federal poverty line. Adults may qualify for Medicaid due to factors such as disabilities, childcare responsibilities, age 65 or older, or participation in the Medicaid Buy-In program. Adults who are responsible for the care of children may also be eligible for Medicaid.

  • Are employers required to provide health insurance to their employees in Lubbock?

    In Lubbock, businesses with fewer than 50 full-time equivalent employees (FTEs) are not obligated to provide health insurance. On the other hand, The Affordable Care Act (ACA) specifically requires applicable large employers (ALE) with 50 or more employees to offer health insurance that meets the minimum essential coverage (MEC) criteria.

  • Can health insurance providers in Lubbock deny coverage based on pre-existing conditions?

    Health insurance providers in Lubbock are not allowed to refuse coverage or raise premiums based on pre-existing health conditions or disabilities. They are only allowed to consider factors such as your age, geographic location, tobacco use and cigarette smoking, and whether the policy is for an individual or a family when determining the cost of your coverage.

  • 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.