The top-rated health insurance agent in Monterey, California is AAA Monterey Branch, rated 4.5 stars across 280 reviews. Other highly rated options include Farmers Insurance - Jessica Connally, Natalie Hungerford: Allstate Insurance, Capital Insurance Group. This directory lists 16 health insurance agents serving Monterey.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | AAA Monterey Branch | 53 Soledad Dr | (831) 645-1900 |
| 2 | Farmers Insurance - Jessica Connally | 404 W Franklin St Ste 102 | (831) 424-0829 |
| 3 | Natalie Hungerford: Allstate Insurance | 591 Hartnell St | (831) 642-6400 |
| 4 | Capital Insurance Group | 1 Lower Ragsdale Dr | (877) 200-4220 |
| 5 | Aspire Health | 10 Ragsdale Dr #101 | (831) 375-1462 |
| 6 | Cowell & Smith Insurance Agency | 2250 N Fremont St | (831) 372-5800 |
| 7 | Laurrie Pike Insurance Agency | 404 W Franklin St | (831) 373-3180 |
| 8 | Finch and Pirkle Insurance | 482 Alvarado St | (831) 372-1206 |
| 9 | HUB International | 401 Fremont St Unit 100 | (831) 373-4925 |
| 10 | Nikssarian Insurance Services, Inc. | 700 Camino El Estero | (831) 333-9600 |
AAA Monterey Branch serves the Monterey County area as a health insurance agent. The company guides clients through their options for medical coverage, helping individuals and families find plans that fit their needs. The local team assists with the enrollment process and explains plan details clearly. They handle plan comparisons and annual renewal guidance for residents in and around Monterey. The branch also helps with Medicare plan selections and helps small business owners explore group health coverage.
Farmers Insurance - Jessica Connally provides health insurance agent services in Monterey, California, offering consultations on individual and family health plans, along with short-term coverage options. The agency assists clients with plan selection, enrollment, and ongoing policy management to meet changing healthcare needs. It helps navigate open enrollment periods and life changes that require adjustments. The company services a diverse range of properties, including single-family homes, apartments, retail spaces, and restaurants.
Serving homeowners, renters, and small business owners in Monterey, Natalie Hungerford: Allstate Insurance provides health insurance agent services to help individuals and families find suitable coverage. The agency assists clients with comparing plan options and understanding policy details for medical needs. It also offers guidance on enrolling in plans that fit different budgets and life stages. This agency extends its services to the neighboring communities of Pacific Grove and Seaside, ensuring residents in those areas also have access to local health insurance support.
Capital Insurance Group serves the Monterey, California area and surrounding communities as a local health insurance agent. It handles individual and family health plans, Medicare options, and small business group coverage. Clients benefit from access to multiple insurance carriers and personalized plan comparisons. The agency begins each case with a detailed needs assessment to understand medical usage and budget, then presents a short list of suitable policies and explains key differences in coverage, deductibles, and networks before enrollment.
Unlike an insurance website offering quick quotes without guidance, Aspire Health provides personalized consultation on health coverage plans for individuals and families in Monterey, CA. Their service involves explaining policy nuances related to deductibles, networks, and prescription drug coverage to help clients choose appropriate plans. They also offer ongoing support for claims or questions throughout the year. Service is available on an as-needed basis, with appointments scheduled during regular business hours to address specific coverage needs upon request.
As a health insurance agent based in Monterey, CA, Cowell & Smith Insurance Agency specializes in helping individuals and families compare and select individual health plans. It also assists local businesses in finding suitable group coverage options for their employees. The agency works with clients to navigate the complexities of both private insurance and public exchange enrollment. It provides particular support during the annual Open Enrollment Period, helping Monterey residents secure compliant coverage before deadlines.
As the open enrollment season approaches in Monterey, residents often seek clear guidance for their health coverage options. Laurrie Pike Insurance Agency responds by providing consultations that break down available plans in the region. The agent helps clients understand how different policies address their medical needs and financial situations without using jargon. Every meeting begins with a thorough review of the individual’s current coverage and healthcare priorities to identify the most suitable alternatives before proceeding to a formal plan inspection.
Finch and Pirkle Insurance assists individuals and small groups in and around Monterey with their health coverage needs, specializing in serving those looking for plan details beyond basic offerings. This health insurance agency works as a local resource for navigating plan options and enrollment periods. Clients can find support for selecting plans that fit their medical and financial circumstances. The firm is equipped to handle the insurance needs of professional offices, warehouses, and food service establishments operating in the region.
Serving residents of Monterey, this agent provides individual health insurance plans for families and individuals. For local businesses, the office also arranges commercial health coverage for groups operating throughout the region. Each client receives a careful review of available plan options to match their specific medical needs and budget. Policies are explained clearly before enrollment, helping people navigate complex choices. After enrollment, the agent assists with claims questions and plan updates. Follow-up service is provided annually to review coverage needs well before the next open enrollment period.
Nikssarian Insurance Services, Inc. assists Monterey residents with their health insurance needs, helping individuals and families select appropriate medical coverage for their circumstances. The agency also serves local businesses by providing group health insurance options for commercial clients throughout the Monterey area. Their agents stay informed about California’s evolving health insurance marketplace to offer practical guidance. After an initial policy is in place, they remain available to answer questions and help with necessary adjustments between regular visits, ensuring clients can revisit their plans when circumstances change.
What Does a a Health Insurance Agent in Monterey Cost?
Health insurance agents in California typically do not charge a direct fee to consumers. Their compensation comes from the insurance carriers as a commission, which is factored into the plan premium. For individual plans through Covered California, premiums vary widely based on age, location, income, and plan tier. A mid-level Silver plan for a 40-year-old in Monterey might cost between $400 and $700 per month before subsidies. Medicare plans often have no monthly premium for Part A, with Part B premiums around $174.70 per month in 2024. This is general information, not insurance advice.
About health insurance agents in Monterey
Health insurance agents in Monterey, California help individuals and families find coverage through Covered California, Medicare, and private insurers. Under California law, agents must be licensed by the Department of Insurance and can assist with open enrollment periods and special enrollment events. Local agents understand the specific health care needs of the Monterey community, including access to providers like Community Hospital of the Monterey Peninsula.
Frequently Asked Questions
What does a health insurance agent in Monterey do?
A health insurance agent helps you compare plans from different carriers, explains coverage details, and assists with enrollment. They can help with Covered California plans, Medicare Advantage, Medicare Supplement, and individual private plans. Agents are licensed and must follow California insurance regulations.
Do I have to pay a fee to use a health insurance agent in Monterey?
In most cases, health insurance agents in California are paid by the insurance company, not by you. Their commission is built into the plan premium. You should confirm this with the agent before starting the process.
When can I enroll in a health plan with a Monterey agent?
You can enroll during the annual Open Enrollment Period, which for Covered California typically runs from November 1 to January 31. You may also qualify for a Special Enrollment Period if you have a qualifying life event like losing other coverage, moving, getting married, or having a baby.
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