Expertise.com
2024

Last updated:

Best Health Insurance Agencies in Ogden

Our Recommended Top 3

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 Ogden 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.

1606

Reviewed

964

Curated

3

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

3619 Brinker Ave., Ogden, UT 84403
WebsiteLicense: 33037

Expertise.com Rating

Review Sources

Google
4.9 (36)
Facebook
5.0 (2)
Yelp
5.0 (1)

Why choose this provider?

Craig Speechly provides health insurance solutions to his clients residing in the Ogden area. Serving the community for over four decades, his agency applies its over 100 years of combined experience in the industry to guide clients to the insurance policies that fit their specific needs. Working together with State Farm, it also offers personalized insurance policies that cover automobiles, residential properties, businesses, health care, retirement, and pets, as well as financial products such as annuities and mutual funds.

707 24th St, Ogden, UT 84401
WebsiteLicense: 778303

Expertise.com Rating

Review Sources

Google
5.0 (107)
Facebook
5.0 (3)

Why choose this provider?

Switch is an insurance agency that caters to clients in the Ogden area. The company primarily offers health insurance policies for individuals and groups that cover expenses related to illnesses, medical procedures, and hospitalizations. It also provides transitional health insurance, which is temporary coverage for clients who are switching between policies. The firm also offers Medicare coverage, including supplemental insurance that covers costs outside of Medicare, along with Part D Drug Plans for prescription drug expenses.

3848 Washington Blvd, Ogden, UT 84403
WebsiteLicense: 127072

Expertise.com Rating

Review Sources

Google
4.7 (78)
Facebook
5.0 (26)

Why choose this provider?

Angel Chaparro is one of State Farm's 19,000 insurance agents and is serving clients in the Ogden area. He is dedicated to helping individuals and families secure their futures by walking them through the process of applying for life and health insurance policies. Chaparro also guides people with business and property insurance plans, bringing over 20 years of industry experience. He is an active member of the community and currently serves as a board member of the Salvation Army.

  • Medicare Supplements
  • Health Insurance
  • Life Insurance

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.

  • What are some health insurance options available to people living in Ogden?

    Health insurance options in Ogden include Health Maintenance Organizations, Preferred Provider Organizations, Point-Of-Service, and Fee-For-Service. With HMOs, all healthcare services pass through the primary care doctor, and a referral is needed for seeing other healthcare providers. With PPOs, the patient may consult their preferred healthcare professional, although selecting those within the network entails less out-of-pocket expenses. POS combines PPO and HMO features. In FFS, the healthcare provider is paid for their services.

  • What types of supplemental health insurance can Ogden citizens have?

    Some types of supplemental health insurance that Ogden citizens can have include Medicare and maternity supplemental policies. A Medicare supplemental plan offers individuals enrolled in Medicare assistance in items not covered by Parts A and B, including co-pays, co-insurance, and deductibles, in order to mitigate high out-of-pocket costs. A maternity supplemental plan assists in covering expenses up to childbirth, such as deductibles and co-payments.

  • What are the coverage options provided by Medicare Advantage to Ogden residents?

    Coverage provided by Medicare Advantage to Ogden residents may include Parts A, B, and D. Part A covers inpatient care, including hospital care, surgery, hospice, skilled nursing facilities, lab tests, and home health care. Part B covers outpatient expenses, including clinical research, medical equipment, ambulance and mental health services, and partial hospitalization. Part D provides prescription drug coverage. Medicare Advantage plans may also have vision, dental, hearing, and wellness coverage.

  • How can Ogden residents obtain a Medicare Advantage plan?

    Ogden residents must be qualified for or have Medicare parts A and B to get a Medicare Advantage plan. To be eligible, one must also live within the covered area and be at least 65 years old. It has a separate premium from original Medicare since it is obtained through private insurance providers instead of the government. It may be enrolled during the initial open enrollment period.

  • What does the ACA do for Ogden residents who need health insurance?

    The ACA, or the Affordable Care Act, establishes the required standards governing health insurance plans and mandates U.S. citizens to buy health policies. One of ACA’s primary goals is to expand coverage to those who have been previously unable to purchase insurance because of pre-existing conditions. The law lets applicants in Ogden shop for policies online in marketplaces administered and regulated by the government.

  • 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.

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