Expertise.com

2024

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Best Health Insurance Agencies in Racine

Our Recommended Top 8

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 Racine 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.

1466Reviewed

882Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

8825 South Howell Ave, Oak Creek, WI 53154
WebsiteLicense: 3001193541

Expertise.com Rating

Review Sources

Google
5.0 (6)

Why choose this provider?

Health Insurance Solutions is an independent agency that serves clients in Racine and nearby areas. It offers health insurance plans for families, older people, and businesses, including Medicare, employee benefits, dental, disability, and vision. It partners with multiple insurance carriers to provide coverage options that fit the needs and goals of clients. Health Insurance Solutions is a local family-owned and family-operated business for more than 50 years. To give back to the community, the agency hosts business meetings and participates in the 50 Plus Expo.

  • Medicare Supplements
  • Health Insurance

6790 N Green Bay Ave, Milwaukee, WI 53209
WebsiteLicense: 285068

Expertise.com Rating

Why choose this provider?

FHK Insurance is a financial services company that caters to clients in Racine. It primarily deals with health insurance solutions and offers individual and family plans. The company advises clients on concerns related to the Affordable Care Act, including cost-sharing subsidies. It also maintains the Medicare Advantage Helpline, which helps educate people on matters like prescription drug plans. The company is a family-owned enterprise that has been operating since 1971. It has been featured in the local NBC channel TMJ4.

  • Individual Plans
  • Health Insurance
  • Medicare Supplements

1115 North Main St., Racine, WI 53402
WebsiteLicense: 3001210358

Expertise.com Rating

Review Sources

Facebook
5.0 (6)
Google
5.0 (1)

Why choose this provider?

United Senior Services is an independent insurance agency that provides guidance to Racine clients who seek health coverage. The agency helps with the decision-making when it comes to Medigap healthcare coverage, life insurance, prescription drug plans, and long-term care. It provides assistance concerning Medicare Parts A-D. To offer products with value, its specialists are committed to regularly monitoring the insurance industry that benefits the senior market. They track rate increase history, premiums, and trends to give advice that matches clients' requirements and goals.

  • Life Insurance
  • Medicare Supplements

3716 Durand Ave, Racine, WI 53405
WebsiteLicense: 66548

Expertise.com Rating

Why choose this provider?

BWO Insurance is a local independent agency that has been serving families, individuals, and businesses in Racine since 1985. It offers health and disability insurance options, as well as coverage for life, dental, and long-term care. In addition, its personal insurance solutions include auto, homeowners, renters, and boats. The company also serves commercial clients through general liability, workers' compensation, and commercial property insurance products. BWO Insurance represents various insurance companies, such as Acuity and American Modern Insurance.

  • Life Insurance
  • Health Insurance
  • Individual Plans

P.O. Box 453, Somers, WI 53171
WebsiteLicense: 8688882

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

OMC Insurance Agency offers products and services to families and individuals in the Racine metro. It provides a range of health insurance coverages, including Medicare Supplemental and Metal Gap protection plans. These health insurance policies cover policyholders' medical expenses for cancer, stroke, and heart attack treatments. The company also processes life insurance, which includes term, whole, and universal coverages. Owner Oliver Clement is an independent insurance and annuity specialist who works with various carriers like National General and Delta Insurance.

  • Individual Health Insurance
  • Health Insurance

6233 Durand Ave, Suite 102-6, Racine, WI 53406
WebsiteLicense: 15754034

Expertise.com Rating

Review Sources

Google
4.5 (17)

Why choose this provider?

Tree Frog Insurance provides a wide range of personal and commercial insurance options to clients in Racine. It offers policies to cover medical expenses and personal injuries. It also provides Medicare Supplemental, Advantage, and prescription drug plans. The agency has term, whole, and universal life insurance plans. Additionally, it caters to commercial clients and carries policies for special events, surety bonds, and properties. Tree Frog Insurance has been in the industry for more than 15 years.

  • Medicare Supplements
  • Health Insurance

5401 Douglas Ave, Ste. D, Racine, WI 53402
WebsiteLicense: 6536727

Expertise.com Rating

Review Sources

Google
5.0 (238)
Yelp
5.0 (1)

Why choose this provider?

Michelle Christensen has been serving the insurance needs of Racine clients since 2001. She helps create a health insurance option to fit the needs of families, individuals, and senior citizens. She provides medical coverage, supplemental health, and Medicare supplement plans. Michelle also offers insurance policies to cover homeowners, automobiles, pets, life, and businesses. She is a third-generation State Farm agent who has been affiliated with the company since 1996. Services for banking, annuities, and mutual funds are also available.

  • Life Insurance

6015 Durand Ave # 300, Racine, WI 53406
WebsiteLicense: 100197719

Expertise.com Rating

Review Sources

Facebook
5.0 (18)
Yelp
4.0 (4)

Why choose this provider?

Robertson Ryan & Associates is an insurance agency that has been serving the Racine community since 1960. It offers group health insurance plans which can include different forms of managed care such as a preferred provider network and a health maintenance organization. Copay, coinsurance, and numerous deductible designs are also available. Its agents present a consultative approach to increase employee involvement and keep clients up-to-date with state and federal regulations. The agency's CEO, Christopher Illman, has an extensive background in administration, HR, and sales.

  • Health Insurance

FAQs

  • 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 the eligibility requirements for Racine residents to obtain health insurance?

    Residents of Racine must live in Wisconsin, have lawful U.S. presence, be free of incarceration, and not be on Medicare to obtain health insurance through the Wisconsin Marketplace. The plan's financial aid eligibility is determined by income and local Silver plan costs. Those with potentially expensive employer-provided insurance or who are ineligible for Medicaid or CHIP may still be eligible for Marketplace subsidies.

  • Is Medigap available for Racine residents under 65 with disabilities?

    Individuals in Racine under the age of 65 with disabilities and two years of disability benefits can join Medicare. Although federal guidelines do not guarantee Medigap access for beneficiaries under the age of 65, Wisconsin requires Medigap insurers to provide a basic plan to these enrollees. The six-month open enrollment period begins with Medicare Part B enrollment. However, premiums for those under the age of 65 are significantly higher, and few insurers offer alternative plans.

  • How do Advance Premium Tax Credits (APTC) function for Racine residents?

    The Advance Premium Tax Credits (APTC) program in Racine assists residents in lowering their monthly insurance premiums. They forecast their annual earnings when applying, and it's critical to promptly update the federal exchange about any income changes, such as lottery winnings or debt relief. Differences between advanced payments and actual tax credits have an impact on tax returns, either as owed amounts or as refundable credits. However, if a person is eligible for Medicare, Medicaid, or certain employer-sponsored health plans.

  • How do Racine insurance companies determine and handle "medically necessary" treatments?

    In Racine, insurance companies determine whether a treatment is medically necessary for a patient's well-being. Insurers may refuse payment if it is deemed unnecessary. While many insurance plans require prior authorization for specific procedures, obtaining this does not guarantee coverage. Consumers can appeal treatment denials, but any payments are based on the terms of the plan and the associated cost-sharing. It is critical to be proactive in learning about plan provisions.

  • How can Racine residents maintain health insurance after job loss?

    If an individual loses their job in Racine, they have several options for health insurance. They can enroll in a Marketplace plan up to 60 days before or after their current coverage expires, with eligibility and costs based on state and income factors rather than employment status. They may also explore financial assistance options through the Affordable Care Act and the American Rescue Plan or consider Medicaid. Additionally, the option of COBRA allows them to extend their previous employer's coverage for up to 36 months.

  • 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.