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Best Health Insurance Agencies in Ogden

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Angel Chaparro logo
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License: 127072

Utah Insurance Department

Angel Chaparro

3848 Washington Blvd, Ogden, UT 84403
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  • Medicare Supplements
  • Health Insurance
  • Life Insurance

Business Description

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.

License Verified:

License: 127072

Utah Insurance Department

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
Google
4.6 / 5 (64)
Facebook
5.0 / 5 (16)
Craig Speechly logo
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License: 33037

Utah Insurance Department

Craig Speechly

3619 Brinker Ave., Ogden, UT 84403
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Business Description

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.

License Verified:

License: 33037

Utah Insurance Department

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
4.9 / 5 (36)
Facebook
5.0 / 5 (2)
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
Insurance SoluTNS logo
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License Verified:

License: 249353

Utah Insurance Department

Insurance SoluTNS

3651 Wall Avenue, Ogden, UT 84405
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  • Health Insurance

Business Description

Insurance SoluTNS is an independent agency that assists in securing insurance plans for customers in Ogden and its nearby areas. Since 2011, it has focused on providing health insurance assistance through its extensive network of known and reputable health insurance carriers. The agency also educates clients about their Medicare options to ensure that clients get and understand the coverage their plans have. Additionally, its agents can arrange Medicare supplement plans to cover insufficiencies in clients' policies.

License Verified:

License: 249353

Utah Insurance Department

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 (17)
Facebook
5.0 / 5 (4)
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
––
Leonardi Benefit Design logo
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License Verified:

License: 65784

Utah Insurance Department

Leonardi Benefit Design

204 E 2500 S, Ogden, UT 84401
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  • Life Insurance
  • Health Insurance

Business Description

Established in 2005, Leonardi Benefit Design is an insurance agency serving clients in Ogden and the surrounding communities. It provides health insurance policies to individuals, families, and employees which cover their medical expenses. The company also offers other types of personal insurance such as dental, vision, life, long-term disability, short-term disability, and accidental death and dismemberment insurance. Karen Leonardi, the founder of the company, carries more than 24 years of experience in the health care field.

License Verified:

License: 65784

Utah Insurance Department

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
4.5 / 5 (182)
Switch logo
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License Verified:

License: 778303

Utah Insurance Department

Switch

707 24th St, Ogden, UT 84401
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Business Description

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.

License Verified:

License: 778303

Utah Insurance Department

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 (71)
Facebook
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
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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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