The top-rated health insurance agent in Modesto, California is Cost-U-Less Insurance, rated 4.9 stars across 813 reviews. Other highly rated options include SaveDirect Insurance Agency, LLC, Farmers Insurance - Maria (Candy) Melara, Acceptance Insurance. This directory lists 27 health insurance agents serving Modesto.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Cost-U-Less Insurance | 123 Burney St | (209) 560-6118 |
| 2 | SaveDirect Insurance Agency, LLC | 1800 Tully Rd G | (209) 857-5877 |
| 3 | Farmers Insurance - Maria (Candy) Melara | 2507 E Hatch Rd Ste B | (209) 556-9946 |
| 4 | Acceptance Insurance | 2045 W Briggsmore Ave Ste A-6 | (209) 375-7112 |
| 5 | Freeway Insurance | 1801 H St Ste A1 | (209) 585-3788 |
| 6 | TSM Insurance Services | 1317 Oakdale Rd #910 | (209) 524-6366 |
| 7 | Nick Winters - State Farm Insurance Agent | 1532 Standiford Ave Ste A | (209) 521-9540 |
| 8 | insureCAL Insurance Agency | 3508 Dale Rd | (209) 250-0269 |
| 9 | SANDRA HOLT | 2605 Coffee Rd # 100 | (209) 604-1128 |
| 10 | Omega Pacific Insurance Solutions | 1016 12th St Ste. A | (209) 338-5500 |
Cost-U-Less Insurance serves the Modesto, California area as a health insurance agent. The company assists local residents and businesses in finding individual and group health coverage plans. Its agents guide clients through the enrollment process and help compare various policy options available in the region. The company also handles Medicare supplement plans and short-term health insurance for individuals seeking temporary coverage in the Modesto area.
SaveDirect Insurance Agency, LLC provides a full range of health insurance agent services, including plan comparisons, enrollment assistance, and annual policy reviews for individuals and families. Its service approach includes personalized consultations to help clients navigate open enrollment periods and manage changes in coverage needs over time. The firm also offers maintenance support for existing policies, such as claims guidance and update notifications. It services single-family homes, apartments, retail locations, and restaurants in the Modesto, California area.
Serving Modesto and the surrounding Central Valley communities, Farmers Insurance - Maria (Candy) Melara handles health insurance plans for individuals and families. The agency works to explain coverage options, including deductibles and networks. For a typical client, the agent reviews current health needs and compares policy benefits. To complete a job, the agent coordinates directly with insurance carriers to finalize enrollment details and confirm policy start dates.
Acceptance Insurance serves homeowners, renters, and small business owners in Modesto, California, offering health insurance agent services to help clients navigate plan options and find coverage that fits their needs. The agency assists with explaining policy details, comparing plans, and managing enrollment periods. Residents across the Modesto area can access these services, with support also extending to the neighboring community of Ceres.
Freeway Insurance in Modesto, California offers health insurance coverage through both one-time policy purchases for immediate needs and recurring service options for ongoing plan management. Their agents help clients navigate individual and family health plans, as well as Medicare supplements. Service can be arranged on a one-time, scheduled, or as-needed basis depending on the client's preference for periodic enrollment support or annual plan reviews.
TSM Insurance Services in Modesto, California focuses on helping clients select individual and family health plans, along with Medicare supplement options. It guides customers through the enrollment process and explains policy details for various coverage levels. The company assists with understanding deductibles, copayments, and network provider choices during the annual open enrollment period. It also provides support for sudden coverage needs following a job change or a major life event, such as turning sixty-five and navigating new Medicare deadlines.
As annual enrollment season arrives in Modesto, many residents review their coverage needs for the coming year. Nick Winters - State Farm Insurance Agent provides guidance on health insurance options that fit individual budgets and medical requirements. The agency explains plan differences, including deductibles and provider networks, without high-pressure sales tactics. Clients receive clear answers about policy exclusions and preventive care benefits for local medical facilities near Stanislaus County. Every consultation begins with a thorough review of the applicant’s current prescriptions and physician preferences during an initial needs-assessment interview.
insureCAL Insurance Agency in Modesto, CA assists individuals and families with navigating their health insurance options and securing appropriate coverage for their needs. The agency further specializes in enrolling clients in ancillary benefits, such as dental and vision plans, to complement major medical policies. These agents help local residents understand plan provisions, including deductibles and network requirements, during open enrollment and special enrollment periods. Their services extend to guiding small business owners in the region, covering commercial sectors like offices, warehouses, and food service operations.
Omega Pacific Insurance Solutions serves residents of Modesto and the surrounding region with individual health insurance plans that address medical needs and budget considerations. The agency also assists local businesses by facilitating commercial group coverage options for their employees. Their work involves reviewing available policy choices and explaining the differences in deductibles, networks, and prescription benefits. Clients regularly return for annual plan comparisons during open enrollment, and the agency provides ongoing support between those scheduled appointments to address any billing or coverage questions that arise.
What Does a a Health Insurance Agent in Modesto Cost?
Health insurance agents in California do not charge you directly for their services because they receive commissions from insurance carriers. The cost of your health insurance plan depends on your income, age, and plan tier. For 2024, monthly premiums for a mid-level Silver plan in Modesto can range from about 400 to 800 dollars for an individual before subsidies. This is general information, not insurance advice.
About health insurance agents in Modesto
Health insurance agents in Modesto, California help individuals and families find coverage through private plans or Covered California, the state marketplace. Under California law, agents must be licensed by the California Department of Insurance and can assist with special enrollment periods if you experience a qualifying life event. These professionals provide local expertise on network options and subsidies available in Stanislaus County.
Frequently Asked Questions
What does a health insurance agent in Modesto do?
A health insurance agent helps you compare plans from different carriers and enroll in coverage. They can explain how California regulations affect your options and assist with subsidy calculations through Covered California.
How do I find a licensed health insurance agent in Modesto?
You can search for agents on the California Department of Insurance website or check the Covered California agent directory. Look for an agent who is active in Stanislaus County and has experience with local health plans.
When can I enroll in health insurance in Modesto?
Open enrollment for Covered California typically runs from November 1 to January 31 each year. You may qualify for a special enrollment period if you lose other coverage, move, or experience another qualifying life event.
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