Expertise.com

2024

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Best Health Insurance Agencies in Midland

Our Recommended Top 5

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 Midland 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.

2499Reviewed

1501Curated

5Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

4305 North Garfield Street, Midland, TX 79705
WebsiteLicense: 2123745

Expertise.com Rating

Review Sources

Facebook
5.0 (2)

Why choose this provider?

Cain Insurance Solutions offers health insurance to clients in Midland. The business assists them in managing everyday life risks by providing health, group medical, and life insurance, in addition to long-term and short-term disability coverage. Its president, Teresa Cain, is a Certified Risk Manager and a Certified Insurance Counselor. She has been serving the industry for over 20 years. Furthermore, Cain Insurance Solutions supports various local organizations, including the Camp Fire of West Texas and the Trinity School of Midland.

  • Individual Plans
  • Life Insurance

901 W. Wall St., Suite 200, Midland, TX 79701
WebsiteLicense: 1460847

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Review Sources

Google
4.5 (17)
Facebook
5.0 (1)

Why choose this provider?

Based in Midland, InSource Insurance Group, LLC, specializes in insurance solutions for the oil and gas industry. The firm is an independent agency partnered with over 50 insurance providers in the area and offers diverse options for commercial, professional, and individual coverage. Some of its health insurance products include group medical insurance, long and short-term disability insurance, dental insurance, vision insurance, as well as key person insurance. It also offers HSE training services.

  • Life Insurance

307 West Dakota Avenue, Midland, TX 79701
WebsiteLicense: 1754585

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Review Sources

Google
5.0 (1)

Why choose this provider?

Specializing in different types of insurance, Hernandez Insurance Services Group is an independent firm serving customers in Midland. It offers Medicare services, including hospital insurance, medical insurance, and prescription drug plans. The company also provides coverages for homes, renters, businesses, and vehicles. Its other available products include workers’ compensation and 401(k) rollover. Hernandez Insurance Services Group works with several industry partners to build coverage portfolios from an array of available risk protection options for its clientele.

  • Life Insurance

6502 Slide Road, Midland, TX 79424
WebsiteLicense: 1394390

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Why choose this provider?

Rick Rosas is a State Farm insurance agent providing varied and comprehensive insurance policies in Midland. He began his career with State Farm in 1996 and opened his agency in January 2007. His clients are his main priority and he works with them to choose insurance plans that are right for them. Rick specializes in health insurance and offers products encompassing health coverage for families, individuals, and senior citizens. He also offers auto, home, property, business, and life insurance policies.

  • Life Insurance

1101 North Big Spring Street, Midland, TX 79701
WebsiteLicense: 1210367

Expertise.com Rating

Review Sources

Google
5.0 (3)

Why choose this provider?

Dustin Ptak Insurance specializes in commercial and personal risk management. It offers insurance solutions to businesses and individuals in the Midland area. The agency provides student select, short-term health, and group and individual health insurance policies through the several insurance companies it represents. It also handles commercial insurance policies that include professional liability, general liability, commercial auto, and business property. Dustin Ptak established the agency in 2006 after working for four years in the insurance industry.

  • Individual Plans
  • Life Insurance

FAQs

  • 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.

  • Is there a local organization in Midland that educates Medicare-eligible residents about health insurance options, and helps them select and enroll for the right option for their situation?

    The Texas Health Information, Counseling, and Advocacy Program assists Midland residents who qualify for Medicare with enrollment and counseling on available options. It educates on Medicare and Medicaid in collaboration with the Texas Legal Services Center and Area Agencies on Aging. In addition, this initiative clarifies Medicare Supplemental, Advantage, and Prescription Drug coverage. Its specialized Benefit Counselors assist residents in understanding and applying for appropriate programs, ensuring residents receive the services they require.

  • How do Medicare Supplements benefit Midland residents?

    Medicare Supplements, also known as Medigap, fill the gap in healthcare costs not covered by Medicare Parts A and B, such as coinsurance, copayments, and deductibles. These plans provide flexibility for Midland residents, allowing them to consult with any Medicare-accepting doctor, even without a specialist referral. Some plans also cover foreign emergency care. After enrolling in Medicare Part B, ideally at the age of 65 or older, a six-month open enrollment period for Medigap begins. Applying after this may require medical underwriting.

  • What do Midland residents need to know about the health insurance metal tiers in the Texas private insurance marketplace?

    There are five metal tiers in Midland's private insurance sector: Catastrophic, Bronze, Expanded Bronze, Silver, and Gold. The monthly rate and maximum out-of-pocket costs vary by tier. Catastrophic is for those under 30, Bronze is for sporadic healthcare users, Expanded Bronze is between Bronze and Silver, Silver offers balanced premiums and can come with cost-sharing reductions (CSRs) for lower incomes, and Gold is for regular medical service users.

  • How do preventive services work under federal health plans for Midland residents?

    Numerous preventive services, such as check-ups, mammograms, and flu shots, are free for Midland residents with federal health plans. To take advantage of these free services, go to a network-affiliated doctor. It is critical to consult your health plan because some services, such as surgeries or hospital admissions, may require prior approval. The plan may refuse payment if this consent is not obtained.

  • What happens to a resident's health insurance coverage in Midland if their provider faces financial challenges or discontinues a plan?

    If an insurer becomes insolvent in Midland, the Texas Life and Health Insurance Guaranty Association will handle health insurance claims up to legally mandated limits. It does not, however, apply to HMOs in which the insurance commissioner reallocates members to another local HMO. If a company abandons a plan, they must propose an alternative. Residents who leave their jobs may be able to obtain short-term coverage through COBRA.

  • 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.