Expertise.com

2024

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Best Health Insurance Agencies in Richardson, TX

Our Recommended Top 6

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 Richardson 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.

2085Reviewed

1253Curated

6Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

610 Uptown Boulevard, Cedar Hill, TX 75104

Expertise.com Rating

Why choose this provider?

AV Towers Insurance Group is a team of Medicare consultants that serves the residents of Richardson. The company assists individuals in their Medicare enrollment before they turn 65 and inform them of alternative plan options, such as Medigap policies, Medicare Advantage, and Part D plans. Its professionals help clients aged 66 and older get covered by a group health plan in delaying Medicare enrollment until the coverage ends. Vicki and Fred Torres established the company in 2014.

  • Health Insurance

2435 North Central Expressway, Richardson, TX 75080
WebsiteLicense: 1866

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Review Sources

Facebook
4.0 (12)

Why choose this provider?

Headquartered in Richardson, Patterson & Associates Insurance provides insurance services to individuals, families, and businesses. It carries health insurance plans like Medicare supplements, trip/accident coverage, medical savings account, and long-term care. Ron Patterson founded the agency in 1983 after working for Safeco Insurance Company. It has grown to 35 employees since then. With 100 years of combined experience, it now represents many insurance companies, making it a one-stop insurance shop for clients.

  • Life Insurance

12900 Preston Road, Dallas, TX 75230
WebsiteLicense: 1763

Expertise.com Rating

Review Sources

Facebook
5.0 (1)

Why choose this provider?

Frederiksen & Frederiksen is a third-generation, independent agency that assists the risk management needs of Richardson residents. Included in its line of services is health insurance which covers vision, dental, and major medical coverage plans. Offering both individual and group health plans, the company has access to policies from multiple providers such as MetLife and Nationwide. Frederiksen & Frederiksen is led by Mark Frederiksen, a Certified Risk Manager and Certified Insurance Counselor, who joined the 72-year-old business in 1996.

  • Life Insurance

12655 North Central Expressway, Dallas, TX 75243

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Review Sources

Yelp
5.0 (7)
Facebook
5.0 (4)

Why choose this provider?

Ann Nguyen is a State Farm insurance agent serving residents in Richardson and nearby communities since 2007. She helps her clients personalize their health insurance, disability insurance, and liability insurance to fit their needs and goals. She also assists in banking and mutual funds, car insurance, home insurance, life insurance, and renter's insurance plans. Recognized for her commitment to clients, she received various awards, including Ambassador Club, Lone Star Leader, and Silver Scroll Awards.

  • Individual Plans
  • Life Insurance

1820 North Greenville Avenue, Richardson, TX 75081
WebsiteLicense: 7607

Expertise.com Rating

Review Sources

Facebook
5.0 (1)

Why choose this provider?

Grayhawk Insurance & Risk Management is an independent financial services firm and an insurance agency that serves clients in Richardson. It offers various healthcare, vision, disability, and dental insurance plans that provide financial security to beneficiaries. The agency has also been playing the role of insurance, risk, and financial advisor for over 19 years. Founder Gary Johnson, who had over 35 years of experience in the insurance industry, established the company in 1997. Rob Dreiling currently serves as company president.

  • Individual Plans

8750 North Central Expressway, Dallas, TX 75231
WebsiteLicense: 1360

Expertise.com Rating

Why choose this provider?

Roach Howard Smith & Barton is an independent insurance agency that renders its expertise in Richardson and its nearby areas. It offers health, home, auto, and other personal insurance options. It also provides specialized services such as kidnap and ransom, worldwide travel and medical, and excess liability coverage options. Its agents strive to customize insurance plans to cater to the client's lifestyle and capacities. Roach Howard Smith & Barton has over 75 years of history in the insurance industry.

  • Life Insurance
  • Group Plans
  • Group Health Benefits

Compare our Top Health Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
AV Towers Insurance Group
610 Uptown Boulevard, Cedar Hill, TX 75104
Patterson & Associates Insurance
2435 North Central Expressway, Richardson, TX 75080
Frederiksen & Frederiksen
12900 Preston Road, Dallas, TX 75230
Ann Nguyen
12655 North Central Expressway, Dallas, TX 75243
Grayhawk Insurance & Risk Management
1820 North Greenville Avenue, Richardson, TX 75081
Roach Howard Smith & Barton
8750 North Central Expressway, Dallas, TX 75231

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.

  • What can Richardson residents do if their health insurance denies a prescribed treatment?

    Richardson residents have the right to appeal treatment denials made by their insurance company. If a medical service is denied or approved at a lower standard, an appeal can be filed directly with the insurer, and healthcare professionals can advocate on their behalf. Independent review organizations can reassess the insurer's decision for denials based on medical necessity or claims for experimental treatments. In these situations, the Texas Health and Human Services Commission provides guidance and protects patients' rights.

  • How can Richardson residents appeal a denied medical coverage based on medical necessity?

    When medical coverage is denied on the basis of medical necessity in Richardson, enrollees can challenge the decision through utilization reviews. These assessments are made by utilization review agents using objective and clinically valid criteria. Before making a final decision, providers can discuss the patient's plan. If enrollment is denied, enrollees are informed of the reasons for the denial and have the option to appeal to an independent review organization (IRO). Direct appeals to IROs without going through internal processes are permitted in urgent cases.

  • How does health group coverage change in Richardson upon the death of an enrollee?

    According to Texas Administrative Code 28, insurers in Richardson are not required to maintain coverage beyond an enrollee's death date or last service date. However, dependent coverage continues until the end of the month after the sponsor notifies the insurer of ineligibility. Carriers must propose group continuation for dependents in accordance with COBRA and state guidelines. Texas regulations prioritize consumer protection over standards established by the Federal Small Business Health Options Program.

  • How does cost-sharing work for health plans in Richardson?

    Participants in Richardson's health plans contribute through cost-sharing mechanisms such as premiums, deductibles, copayments, and coinsurance. Deductibles are upfront amounts paid before insurance kicks in and can vary (in-network vs. out-of-network). Copayments are predetermined fees for services such as doctor visits or prescriptions. Coinsurance entails covering a percentage of the post-deductible cost, which is typically not covered by HMOs. Out-of-pocket costs are capped annually, but once reached, only premiums are payable for that plan year.

  • What is an allowed amount, and how does it differ for in-network and out-of-network providers in Richardson?

    The allowed amount in Richardson refers to the most a health plan will pay for a service. It's a set amount for in-network providers, co-funded by the patient and the plan. These providers are unable to bill beyond it. In the absence of a set rate agreement, out-of-network providers are reimbursed up to the plan's determined allowed amount. However, they might bill patients for any excess, termed balance billing, leading to potentially higher out-of-pocket expenses.

  • 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.