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Best Health Insurance Agencies in Temple

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Barry Bandera logo
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License Verified:

License: 731007

Texas Department of Insurance

Barry Bandera

3513 SW HK Dodgen Loop Suite 106, Temple, TX 76502
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  • Individual Health Insurance

Business Description

Barry Bandera is a Temple-based insurance agent affiliated with Globe Life Family Heritage Division, a company that specializes in providing supplemental insurance products. Since 1993, he has provided a wide selection of health insurance products to clients with varying coverage needs. He also assists clients in selecting life insurance and individual insurance plans that can help them efficiently manage their finances. Bandera currently serves as a sales director in his agency, Texas Heritage National Providers.

License Verified:

License: 731007

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 (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
––
David Jennings logo
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License Verified:

License: 1029562

Texas Department of Insurance

David Jennings

1304 S First Street, Temple, TX 76504
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  • Individual Plans
  • Life Insurance

Business Description

State Farm Insurance provides a wide range of insurance products in Temple. It assists clients in understanding their credit limits and drafting protection strategies for their cars, homes, properties, and businesses. It also recognizes the need for contingency plans by providing health and life insurance policies. David Jennings, an insurance agent for State Farm, earned his degree in 1983. He helps homeowners and renters cover their valuables with personal articles insurance.

License Verified:

License: 1029562

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
4.8 / 5 (11)
Facebook
5.0 / 5 (2)
Yelp
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Evans, Ewan & Brady Insurance Agency, Inc. logo
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License Verified:

License: 9575

Texas Department of Insurance

Evans, Ewan & Brady Insurance Agency, Inc.

2404 Williams Dr., Georgetown, TX 78628
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  • Life Insurance

Business Description

Evans, Ewan & Brady Insurance Agency, Inc. offers group health insurance to clients in Temple and the surrounding areas. Usually applicable to company employees or organizational members, these types of plans spread risk among insured individuals. It also assists with other types of personal and business insurance plans. Evans, Ewan & Brady Insurance Agency, Inc. has been providing tailored insurance plans since 1928. It represents companies such as AllState, Hochheim Prairie, Blue Cross Blue Shield of Texas, and United Healthcare.

License Verified:

License: 9575

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 (500)
Facebook
4.6 / 5 (31)
Yelp
4.5 / 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
L & N Insurance Group, LLC logo
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License Verified:

License: 1606026

Texas Department of Insurance

L & N Insurance Group, LLC

4311 W Adams Ave Suite 209, Temple, TX 76504
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  • Life Insurance
  • Individual Health Insurance

Business Description

L & N Insurance Group, LLC, helps the residents of Temple and its neighboring communities find suitable protection plans like health care coverage. Through its partnership with various insurance providers, the company is able to provide customers with several options to cover their changing requirements and goals when getting health indemnity products. It also assists individuals in purchasing home, auto, business, renters, and life policy plans. In addition, the company's agents provide assistance in forwarding claims to insurance carriers.

License Verified:

License: 1606026

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)
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
––
Shaffin Wegener logo
Visit WebsiteWebsite

License Verified:

License: 2327169

Texas Department of Insurance

Shaffin Wegener

112 SW H K Dodgen Loop, Temple, TX 76504
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Business Description

Shaffin Wegener is a State Farm agent helping Temple residents protect their families and investments through insurance plans for health, life, homes, autos, and businesses. He takes the time to explain the benefits of each policy to assist clients in making decisions that match their budgets and needs. Wegener also offers guidance on annuities, banking, and refinancing VA and FHA loans. Since 1992, State Farm has provided insurance solutions to support people in managing everyday risks and achieving their goals.

License Verified:

License: 2327169

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 (144)
Facebook
5.0 / 5 (6)
Yelp
1.0 / 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
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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.

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