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Best Health Insurance Agencies in San Angelo

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1CFCU Insurance Services logo
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License Verified:

License: 2039835

Texas Department of Insurance

1CFCU Insurance Services

3505 Wildewood Drive, San Angelo, TX 76904
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  • Individual Plans

Business Description

1CFCU Insurance Services offers its products to clients around San Angelo. Its health insurance policies cover medical, surgical, and hospital expenses along with prescription drugs and dental coverage. These policies also include long-term care and disability insurance as well as Medicare options for the necessities of seniors. Its advisors can scout for the best options for a client's needs through the company's partnership with firms such as CNA, Safeco Insurance, and Metlife. They also cover life, homeowners', and business insurance.

License Verified:

License: 2039835

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.
4.8
Google
5.0 / 5 (14)
Yelp
3.0 / 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
Benjamin Villarreal logo
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License Verified:

License: 1451642

Texas Department of Insurance

Benjamin Villarreal

1500 N Chadbourne Street Ste A, San Angelo, TX 76903
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  • Individual Plans
  • Life Insurance
  • Medicare Supplement Insurance

Business Description

Benjamin Villarreal is an insurance agent serving clients in San Angelo. His agency offers State Farm health, property, business, and life insurance policies. The agent and account managers team helps customers understand the types of medical care covered by the different health insurance plans. These types include health maintenance and exclusive provider organizations, as well as high-deductible health plans. Benjamin, an agent for over 10 years, helps customers find the right protection for themselves in order for them to leave lifelong legacies.

License Verified:

License: 1451642

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 (49)
Facebook
5.0 / 5 (13)

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
Cecil A. Ross Investment Insurance Group logo
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License Verified:

License: 772496

Texas Department of Insurance

Cecil A. Ross Investment Insurance Group

5301 Knickerbocker Rd., San Angelo, TX 76904
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  • Group Plans

Business Description

Cecil A. Ross Investment Insurance Group is a health insurance provider catering to the residents of San Angelo. It offers Medicare Supplement insurance policies that can fill in the gaps left open by the Affordable Care Act. The company also has group plans for employers. In addition, the business offers other non-life products, such as automobile and home plans. Company president Cecil Ross has been in the insurance industry since 1988. He is also a wealth manager.

License Verified:

License: 772496

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.
4.9
Google
4.9 / 5 (48)
Yelp
5.0 / 5 (1)

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
Floyd C. Petitt Insurance logo
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Floyd C. Petitt Insurance

5002 Knickerbocker Rd, San Angelo, TX 76904
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  • Individual Health Insurance

Business Description

Floyd C. Petitt Insurance offers a variety of protection plans for clients in San Angelo. It provides health care insurance coverage for different categories, including hospitalization, maternity and newborn care, prescription drugs, mental health and substance use disorder, and rehabilitative and habilitative services and devices. Dental and vision insurance plans are also available. Its agents also offer life, home and renters, and auto insurance policies. The professionals in the full-service independent insurance agency have over 118 years of combined industry experience.

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)
Yelp
5.0 / 5 (1)

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
Tim Smith logo
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License Verified:

License: 1001741

Texas Department of Insurance

Tim Smith

4117 College Hills Blvd, San Angelo, TX 76904
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  • Life Insurance

Business Description

Tim Smith has been a State Farm insurance agent since 2000. His agency helps individuals and families in San Angelo obtain health insurance policies that cover their health needs. Its team, which has more than 58 years of collective industry experience, also provides auto, home, life, commercial, small business, and farm and ranch insurance products. In addition, his agency partners with Trupanion to offer pet insurance. It also supports Quotes for Good, contributing to local charities in the local West Texas area.

License Verified:

License: 1001741

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.
4.9
Google
4.9 / 5 (172)
Facebook
5.0 / 5 (6)
Yelp
5.0 / 5 (1)

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
––
Younts Insurance Agency logo
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License Verified:

License: 1607917

Texas Department of Insurance

Younts Insurance Agency

202 West Beauregard Ave, Ste B, San Angelo, TX 76903
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  • Individual Plans
  • Individual Health Insurance

Business Description

Younts Insurance Agency is an independent company that has been serving San Angelo since 1985. It offers different types of health insurance coverage options, such as indemnity plans, managed care plans, and government-sponsored insurance. Its team of professionals works with multiple insurance carriers to provide tailored solutions, including Mutual of Omaha, Blue Cross Blue Shield, and MetLife. The agency started as a supplier of individual and group health insurance products. It has expanded its services to offer life, business, and homeowners' insurance coverages through the years.

License Verified:

License: 1607917

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.
4.7
Facebook
4.6 / 5 (11)
Google
5.0 / 5 (5)

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
––
Zesch & Pickett Insurance, L.L.P. logo
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License Verified:

License: 8477

Texas Department of Insurance

Zesch & Pickett Insurance, L.L.P.

430 West Beauregard, San Angelo, TX 76903
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  • Individual Health Insurance
  • Health Insurance
  • Group Health Benefits

Business Description

Zesch & Pickett Insurance, L.L.P., is a health insurance agency that has been offering group and individual health insurance policies to clients in the San Angelo metro for more than 25 years. It partners with various insurance organizations, including Aetna, Cigna, Humana, UnitedHealthcare, and Baylor Scott & White Health. It also focuses on providing rural crop insurance and Medicare supplement insurance in the metro. Its team has over 90 years of combined experience in the insurance industry.

License Verified:

License: 8477

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 (1)

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
––
Back to Providers

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.

Read all FAQs