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Best Health Insurance Agencies in Virginia Beach

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Benefit Plans Inc. logo
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License Verified:

License: 110360

Commonwealth of Virginia State Corporation Commission

Benefit Plans Inc.

347 South Witchduck Road, Virginia Beach, VA 23462
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  • Individual Plans
  • Life Insurance

Business Description

Benefit Plans, Inc. is a health insurance agency based in Virginia Beach that has been operating since 1974. Its team of professionals has more than 100 years of cumulative industry experience. These agents deliver personalized services to individuals, families, and businesses by providing insurance products that meet the client's budget. They offer life insurance and voluntary benefits, as well as disability and supplemental Medicare coverages. Additionally, they partner with insurance carriers, such as OptiMed, Cigna, Aetna, Optima, and Anthem.

License Verified:

License: 110360

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)

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
––
Connie Phillips Insurance logo
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License Verified:

License: 108156

Commonwealth of Virginia State Corporation Commission

Connie Phillips Insurance

300 25th Street, Virginia Beach, VA 23451
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  • Life Insurance
  • Health Insurance

Business Description

Connie Phillips Insurance is an independent agency serving individuals, families, and businesses in Virginia Beach. Established in 1986, it assists in reviewing existing policies and finding insurance plans that match clients’ needs. The agency procures health insurance plans with coverages for medical bills, doctor fees, specialized care, prescription drugs, and surgeries. Other products include disability insurance, group benefits, and life plans. Connie Phillips Insurance also assists Spanish-speaking clients. Founder Connie Phillips is a Life Underwriter Training Council Fellow and a Certified Insurance Counselor.

License Verified:

License: 108156

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 (5)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Friedman Associates Insurance logo
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License Verified:

License: 111256

Commonwealth of Virginia State Corporation Commission

Friedman Associates Insurance

233 Business Park Drive, Virginia Beach, VA 23462
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  • Life Insurance
  • Individual Plans

Business Description

Friedman Associates Insurance is a company that serves clients from Virginia Beach and nearby regions. The firm provides a variety of health insurance products, such as group health, group dental, short-term disability, and long-term disability plans for employees. Insurance policies for business owners, properties, and vehicles are also available. Some of the company's insurance carriers include Safeco Insurance, Optima Health, The Hartford, Main Street America Insurance, and National General Insurance. Friedman Associates has been operating since 1976.

License Verified:

License: 111256

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.
4.8
Google
4.8 / 5 (28)
Facebook
5.0 / 5 (8)

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
Gina Lynch logo
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License Verified:

License: 571321

Commonwealth of Virginia State Corporation Commission

Gina Lynch

372 S Independence Blvd Suite 101, Virginia Beach, VA 23452
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  • Life Insurance
  • Health Insurance

Business Description

Gina Lynch is a second-generation State Farm insurance agent operating an office in the Virginia Beach metro. With more than 14 years of experience in the industry, she helps clients obtain health insurance coverages that meet their needs, including individual medical, supplemental health, and Medicare supplements. She guides customers in preparing for life's unforeseen circumstances through arranging disability and life insurance policies. In addition, State Farm banking solutions and annuities are also offered at her agency.

License Verified:

License: 571321

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 (329)
Yelp
3.5 / 5 (5)
Facebook
5.0 / 5 (4)

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 Shopper VA logo
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License Verified:

License: 115096

Commonwealth of Virginia State Corporation Commission

Insurance Shopper VA

977 Reon Drive, Virginia Beach, VA 23464
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  • Life Insurance

Business Description

Insurance Shopper VA is an independent insurance agency that serves Virginia Beach and the surrounding areas. It partners with several carriers like Stillwater Insurance Group, Titan Insurance, NationalGeneral, and Safeco to provide health, auto, home, and commercial insurance policies. In addition, the company specializes in insuring trucks, churches, daycares, and funeral homes. Umbrella policies are also available for clients looking for additional liability coverage beyond what traditional policies can provide. The company's staff has over 25 years of combined experience in the industry.

License Verified:

License: 115096

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
Facebook
5.0 / 5 (19)
Google
4.0 / 5 (4)

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
––
Lee Hudson logo
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License Verified:

License: 143560

Commonwealth of Virginia State Corporation Commission

Lee Hudson

244 Mustang Trail, Virginia Beach, VA 23452
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  • Life Insurance

Business Description

Lee Hudson is an insurance agent the serves the Virginia Beach, Chesapeake, Norfolk, Portsmouth, and Hampton areas. He has been with State Farm since 2014, and helps personalize insurance plans for individuals and businesses. The Lee Hudson State Farm Agency offers health insurance coverage that is adjustable and affordable. Aside from being offered to individuals and families, its health insurance can also be tailored for senior citizens and the disabled. He also offers car, motorcycle, home, and condo insurance.

License Verified:

License: 143560

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 (149)
Facebook
5.0 / 5 (19)

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
––
Leffel Insurance Agency logo
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License Verified:

License: 569891

Commonwealth of Virginia State Corporation Commission

Leffel Insurance Agency

921 First Colonial Road, Virginia Beach, VA 23454
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  • Life Insurance

Business Description

Leffel Insurance Agency in Virginia Beach is an independent insurance agency that offers home, auto, life, and health insurance products to clients in the area. The firm has been in the insurance industry since 1982 and represents various insurance providers such as Anthem, National General, and Progressive. It offers health insurance products such as individual health coverage, group/family health coverage, disability insurance, and accident coverage. It also offers specialty lines such as general contractor insurance and employers' insurance.

License Verified:

License: 569891

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.
4.0
Google
4.0 / 5 (28)

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
Retha Rish Insurance Agency logo
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License Verified:

License: 627427

Commonwealth of Virginia State Corporation Commission

Retha Rish Insurance Agency

780 Lynnhaven Pkwy #400, Virginia Beach, VA 23452
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  • Medicare

Business Description

Retha Rish Insurance Agency serves Virginia Beach and nearby areas. Retha is a Medicare Expert and work with all the competitive carriers in Virginia as well as 21 other states. Retha Rish Insurance Agency focuses on working with pre-retirees in planning retirements and transitioning employee benefits such as health care policies, life insurance plans, and IRA. The agency also assists with prescription drug and Medicare plans and provides vision, hearing, and dental insurance. Founder Retha Rish is an independent insurance and financial consultant with more than two decades of experience. She is an Annuity-Planning Professional and Certified Long Term Care Planner. Retha is also a member of NAIFA.

License Verified:

License: 627427

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 (29)

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
––
Sharon Lynch logo
Visit WebsiteWebsite

License Verified:

License: 564937

Commonwealth of Virginia State Corporation Commission

Sharon Lynch

3617 Dam Neck Rd, Virginia Beach, VA 23453
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  • Health Insurance

Business Description

For over 31 years, Sharon Lynch has been serving clients as a State Farm insurance agent in Virginia Beach. Carrying the Life Underwriting Training Council Fellow designation, she helps customers procure health plans, whether individual medical, supplemental health, or Medicare supplement insurance. She also arranges protection for short and long-term disabilities. Other State Farm offerings, such as banking, mutual funds, and annuities, are also available. Sharon Lynch's agency has qualified for various recognitions, including State Farm's President's Club, Chairman's Circle, and Crystal of Excellence.

License Verified:

License: 564937

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
4.5 / 5 (182)
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Tim Johnson logo
Visit WebsiteWebsite

License Verified:

License: 650907

Commonwealth of Virginia State Corporation Commission

Tim Johnson

700 Independence Blvd, Virginia Beach, VA 23455
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  • Life Insurance
  • Health Insurance

Business Description

Tim Johnson leads the T Johnson Insurance Agency Inc., a company under State Farm. He handles health insurance claims and provides different options, such as individual medical coverage, supplemental health insurance, and Medicare Supplement insurance. He also offers other insurance policies, including life, pet, home, automobile, property, and business insurance. In addition, the agent assists clients with their annuities, mutual funds, and banking needs. Johnson is fluent in Hindi and volunteers for Habitat for Humanity. His team serves Virginia Beach residents.

License Verified:

License: 650907

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
4.5 / 5 (182)
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.
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