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Best Health Insurance Agencies in Roanoke

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Amanda Christiansen logo
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License Verified:

License: 140413

Commonwealth of Virginia State Corporation Commission

Amanda Christiansen

3002 Brandon Avenue SW, Roanoke, VA 24015
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  • Life Insurance

Business Description

Amanda Christiansen runs a State Farm insurance agency in Roanoke that has been serving clients since 2011. The office offers individuals and families health insurance options that cover their health needs. Its team, which has more than five decades of combined industry experience, matches renters, homeowners, and car owners with the right policies. Its representatives also offer life, property, flood, and business insurance products. Christiansen has earned the CPCU and Associate in Insurance Services designations. She is also a member of NAIFA.

License Verified:

License: 140413

Commonwealth of Virginia State Corporation Commission

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
4.8 / 5 (67)
Yelp
1.0 / 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
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Detail
Benchmark Benefits logo
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License Verified:

License: 127146

Commonwealth of Virginia State Corporation Commission

Benchmark Benefits

2770 Electric Road, ROANOKE, VA 24018
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  • Life Insurance
  • Health Insurance

Business Description

Benchmark Benefits offers health insurance products to clients in Roanoke. It deals with several benefits for employees, including medical, vision, pharmacy, wellness, telemedicine, and employee assistance programs. It also helps its clients needing healthcare reimbursement, flexible spending, and healthcare saving accounts. Additionally, it gives individuals an option to select insurance products that cover cancer, critical illness, disability, legal assistance, and accident. The carriers of the agency include Anthem, Cigna, Aetna, Optima Health, and United Healthcare.

License Verified:

License: 127146

Commonwealth of Virginia State Corporation Commission

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
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Branham Insurance Group logo
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License Verified:

License: 1139017

Commonwealth of Virginia State Corporation Commission

Branham Insurance Group

Roanoke, VA
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  • Life Insurance
  • Medicare Supplement Insurance

Business Description

Branham Insurance Group helps individuals in Roanoke find protection policies that suit their goals and requirements. It provides individual health insurance to younger clients and Medicare to qualified seniors and consumers. The agency also offers assistance in selecting appropriate coverages from advantage, prescription, and supplemental Medicare options. In addition, there are vision, dental, and cancer policy options. James Branham, who founded Branham Insurance Group in 2020, used to work as a captive agent before becoming an independent broker for various carriers.

License Verified:

License: 1139017

Commonwealth of Virginia State Corporation Commission

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)
Facebook
5.0 / 5 (1)
Burgess DeMarco & Flick Insurance logo
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License Verified:

License: 105622

Commonwealth of Virginia State Corporation Commission

Burgess DeMarco & Flick Insurance

730 Apperson Drive, Salem, VA 24153
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  • Individual Plans
  • Life Insurance
  • Individual Health Insurance

Business Description

Burgess DeMarco & Flick Insurance is an independent agency serving customers in Roanoke. Since 1984, its team has been furnishing insurance products, including health insurance plans for individuals and families. The company also helps clients find dental insurance policies and life insurance coverages. In addition, options for personal lines and commercial lines insurance are available. Burgess DeMarco & Flick was voted the Best Insurance Agent, Silver Overall, in Salem by the SWVA Living Readers' Choice for 2018, 2019, and 2020.

License Verified:

License: 105622

Commonwealth of Virginia State Corporation Commission

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.
3.8
Facebook
4.5 / 5 (57)
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
Business Solutions logo
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License Verified:

License: 112262

Commonwealth of Virginia State Corporation Commission

Business Solutions

303 E. Burwell St., Salem, Va 24153
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  • Life Insurance
  • Individual Health Insurance

Business Description

Business Solutions is an independent brokerage and consulting firm that serves individuals and families in Roanoke. It offers clients health insurance options that address and cover their health conditions. It has Medicare specialists on staff to assist clients who are senior citizens, plus some of the firm's management officers are members of the National Association of Health Underwriters. Since its founding in 1999, Business Solutions has also been providing consultancy services to businesses about employee benefits and business insurance. It also provides human resource consulting.

License Verified:

License: 112262

Commonwealth of Virginia State Corporation Commission

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 (10)
Facebook
5.0 / 5 (9)

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
Coastal Insurance Planning logo
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License Verified:

License: 134691

Commonwealth of Virginia State Corporation Commission

Coastal Insurance Planning

137 Gus Nicks Blvd., Vinton, VA 24179
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  • Life Insurance
  • Medicare Supplement Insurance

Business Description

Coastal Insurance Planning addresses the needs of families and individuals in Roanoke and the surrounding communities. It offers a wide selection of products, including Medicare and life insurance, in addition to annuities. Its Medicare options include medical and hospital insurance, which covers preventive, inpatient, and medically necessary care. This coverage encloses Medicare Advantage, Prescription Drug plans, and Part A and B. The agency has also partnered with various community organizations, including Advanced Diabetes and Sustained Meds.

License Verified:

License: 134691

Commonwealth of Virginia State Corporation Commission

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 (6)
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
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Diversified Insurance Brokerage logo
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License Verified:

License: 113860

Commonwealth of Virginia State Corporation Commission

Diversified Insurance Brokerage

2125 E Washington Ave #E, Vinton, VA 24179
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  • Individual Plans
  • Group Plans
  • Life Insurance

Business Description

Diversified Insurance Brokerage provides services to clients residing in Roanoke and the surrounding areas. It helps individuals protect their loved ones or families by offering different health insurance policies, including individual and group health coverage. It also caters to clients needing Medicare Supplement and Medicare Advantage health insurance solutions. The company carries products from Medico Insurance Company, Cigna, Anthem BlueCross BlueShield, and Aetna. Diversified Insurance Brokerage brings over six decades of experience in the industry.

License Verified:

License: 113860

Commonwealth of Virginia State Corporation Commission

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)
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Ellis Redford logo
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License Verified:

License: 590201

Commonwealth of Virginia State Corporation Commission

Ellis Redford

3029 Peters Creek Rd NW, Suite B, Roanoke, VA 24019
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  • Life Insurance

Business Description

Ellis Redford is a State Farm insurance agent that offers his services to clients in Roanoke and its surrounding areas. He crafts health-related risk protection programs, as well as life, auto, home, business, property, and pet insurance. He also handles policies for RVs, campers, ATVs, and snowmobiles. In addition, he attends to his clients' banking and annuity concerns along with his team. Redford has been assisting individuals with their insurance needs through State Farm for more than 10 years.

License Verified:

License: 590201

Commonwealth of Virginia State Corporation Commission

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.
4.1
Google
4.3 / 5 (13)
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
Innovative Insurance Group logo
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License Verified:

License: 136919

Commonwealth of Virginia State Corporation Commission

Innovative Insurance Group

2670 Electric Road, Roanoke, VA 24018
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  • Individual Plans
  • Over 65

Business Description

Innovative Insurance Group provides health protection plans for clients in Roanoke. It serves individuals and seniors with Medicare health, disability, short-term and long-term care, and dental insurance products. The company's agents also help businesses in building group benefits packages for employees that include health insurance, savings account, and reimbursement arrangements. Innovative Insurance Group is an independent agency that was formed in 2015. ts team members have 100 years of collective experience in Medicare, employee benefits, and individual insurance services.

License Verified:

License: 136919

Commonwealth of Virginia State Corporation Commission

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 (10)
Facebook
5.0 / 5 (7)

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
––
Muneris logo
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License Verified:

License: 103195

Commonwealth of Virginia State Corporation Commission

Muneris

2840 G-Hershberger Rd, Roanoke, VA 24017
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  • Life Insurance
  • Individual Health Insurance
  • Medicare Supplement Insurance

Business Description

Muneris is an agency that offers its health insurance services to the Roanoke metro. The company has been around since 1990 and it has been serving since then individuals, families, and businesses. Its insurance services are divided into two areas such as individual and family insurance and business and employer insurance coverage. Medicare benefits, life insurance, health insurance, disability insurance, and long-term care insurance fall under the individual and family type. Its business and employer insurance option includes group health insurance and retirement plans.

License Verified:

License: 103195

Commonwealth of Virginia State Corporation Commission

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 (11)

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
––
Scott logo
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License Verified:

License: 107581

Commonwealth of Virginia State Corporation Commission

Scott

10 Franklin Road, SE, Suite 550, Roanoke, VA 24011
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  • Group Plans
  • Dental and Vision Insurance

Business Description

Scott is an insurance company that was founded in 1864. It has an office based in Roanoke that provides individuals and families in the community and nearby areas with a broad selection of insurance products. It guides clients in securing health insurance plans that cover their personal needs. Its agents work closely with clients, helping them understand COBRA, Medicare, and Exchange plans. In addition, the firm offers assistance in matters like workers’ compensation and employee benefits.

License Verified:

License: 107581

Commonwealth of Virginia State Corporation Commission

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.
4.1
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
––
Trustpoint Insurance logo
Visit WebsiteWebsite

License Verified:

License: 103387

Commonwealth of Virginia State Corporation Commission

Trustpoint Insurance

16 E Church Ave, Roanoke, VA 24011
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  • Individual Plans
  • Life Insurance
  • Individual Health Insurance
  • Dental and Vision Insurance

Business Description

Trustpoint Insurance has been offering policies in the Roanoke area since 2006. Its personal health insurance adds to the coverage that company health plans provide. The plan offers compensation for medical tests, hospitalization, and medication. The firm also has life insurance that can cover the beneficiaries' future expenses after the policyholder passes on. In addition, clients can get coverage for their homes in case of theft, vandalism, or damage caused by flood, fire, or natural disasters.

License Verified:

License: 103387

Commonwealth of Virginia State Corporation Commission

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
Facebook
5.0 / 5 (12)
Google
4.4 / 5 (7)

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
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