Expertise.com

Best Health Insurance Agencies in Bellingham

Laurels
2023
Laurels

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Cascadia Insurance logo

License Verified:

License: 839126

Washington State office of the Insurance Commissioner

Cascadia Insurance

141 W. Kellogg Rd, Bellingham, WA 98226
  • Medicare Supplements
  • Health Insurance

Business Description

Cascadia Insurance helps clients choose suitable health insurance coverage in Bellingham. It guides consumers in navigating through the Marketplace when picking health coverages for themselves and their families. The firm provides information about preventive health services that individuals may opt for. It informs them about getting supplemental policies to cover heart disease, cancer, accidents, and hospital indemnity, as well as long-term care. Cascadia Insurance also offers Medicare assistance and seminars. It also provides life, home, auto, and commercial insurance plans.

License Verified:

License: 839126

Washington State office of the Insurance Commissioner

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 (9)
Google
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Group of Health Insurance Services LLC logo
Visit WebsiteWebsite

License Verified:

License: 231361

Washington State office of the Insurance Commissioner

Group of Health Insurance Services LLC

Visit WebsiteWebsite
4202 Meridian St. Ste 104, Bellingham, WA 98226
  • Health Insurance

Business Description

The Group of Health Insurance Services LLC serves clients in Bellingham. The locally owned and operated independent agency represents various companies offering health insurance plans for individuals, families, and business owners. Some of its carriers are Cigna, United Healthcare, Premera Blue Cross, Kaiser Permanente, Humana, and Regence Blue Shield. The company helps policy buyers make informed decisions in finding a coverage plan that meets their needs. It also has the authorization to provide products through the Washington Healthplanfinder.

License Verified:

License: 231361

Washington State office of the Insurance Commissioner

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 (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
Kimbler Insurance logo
Visit WebsiteWebsite

License Verified:

License: 1007852

Washington State office of the Insurance Commissioner

Kimbler Insurance

Visit WebsiteWebsite
316 E McLeod Rd. Suite 104, Bellingham, WA 98226
  • Health Insurance

Business Description

Kimbler Insurance is a locally-owned independent firm that serves clients in Bellingham. It offers health insurance plans that help policyholders prepare for the financial burden of medical costs and preventative healthcare. Its agents shop for policies that are tailored to a client's financial goals. In addition to health insurance, Kimbler Insurance handles various risk management solutions designed to protect automobiles, homes, rental properties, and recreational vehicles. It is currently operated by Alex Kimbler, who started his insurance career in 2016.

License Verified:

License: 1007852

Washington State office of the Insurance Commissioner

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 (14)

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
Northwest Health Plans logo
Visit WebsiteWebsite

License Verified:

License: 1015675

Washington State office of the Insurance Commissioner

Northwest Health Plans

Visit WebsiteWebsite
1313 East Maple Street, Bellingham, WA 98225
  • Life Insurance
  • Health Insurance
  • Individual Plans
  • Group Plans

Business Description

Northwest Health Plans offers various health insurance plans for families and individuals residing in Bellingham. Its agents value responsiveness and patience and strive to educate clients about their options. They work with a roster of reputable insurance carriers, including Ambetter, Delta Dental, and Petersen International. The insurance agency offers ancillary health insurance products for policyholders seeking to strengthen their existing plans against risks related to disability, critical illness, or accidental deaths. Northwest Health Plans also handles dental and vision insurance plans.

License Verified:

License: 1015675

Washington State office of the Insurance Commissioner

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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Tim Slesk logo

License Verified:

License: 742447

Washington State office of the Insurance Commissioner

Tim Slesk

2200 Rimland Drive #104, Bellingham, WA 98226
  • Health Insurance

Business Description

Tim Slesk is a State Farm insurance agent who offers his services to clients in the Bellingham metro. He caters to policy buyers in need of security through health insurance. Slesk also offers assistance in crafting personal liability, renters', recreational vehicle, and life insurance policies. In addition, he deals with related products, such as mutual funds. Slesk opened his State Farm office in 2001 and also serves nearby areas, such as Ferndale and Lynden.

License Verified:

License: 742447

Washington State office of the Insurance Commissioner

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
4.9 / 5 (153)
Yelp
3.5 / 5 (8)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
VibrantUSA logo

License Verified:

License: 212972

Washington State office of the Insurance Commissioner

VibrantUSA

3800 Byron Avenue, Bellingham, WA 98229
  • Health Insurance

Business Description

VibrantUSA is an independent insurance agency that serves clients in Bellingham. It provides coverage options for individual health insurance, Medicare Supplement plans, and retirement-oriented products. It works with several insurance companies, including Aetna, Amerigroup, and Cigna, to meet the specific insurance needs of clients. VibrantUSA was established in 2003 and formed a professional relationship with Primary Care Insurance Services in 2006. Being a Medicare specialist has helped the agency in coordinating with primary care physicians.

License Verified:

License: 212972

Washington State office of the Insurance Commissioner

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 (41)
Google
5.0 / 5 (22)
Yelp
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
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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.