The top-rated health insurance agent in Ludlow, Massachusetts is The Gomes Agency, rated 4.7 stars across 51 reviews. Other highly rated options include Regina Jasak Independent Insurance, HUB International, Ideal Insurance Agency, Inc.. This directory lists 14 health insurance agents serving Ludlow.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | The Gomes Agency | 364 East St | (413) 610-1223 |
| 2 | Regina Jasak Independent Insurance | 193 Holyoke St | (413) 315-5775 |
| 3 | HUB International | 564 Center St | (413) 583-6424 |
| 4 | Ideal Insurance Agency, Inc. | 187 East St | (413) 589-0901 |
| 5 | Ludlow Travel Agency | 176 Winsor St | (413) 583-8578 |
| 6 | Duke Insurance Brokerage, Inc. | 200 Center St STE 15 | (413) 583-2611 |
| 7 | The Dowd Insurance Agencies | 563 Center St #2499 | (413) 538-7444 |
| 8 | Touched By An Angel, Inc | 343 Winsor St | (413) 284-1601 |
| 9 | James F. Shea & Sons, LLC | 200 Center St STE 6 | (413) 547-8135 |
| 10 | Griswold Home Care for Hampden & Berkshire Counties | 360 Sewall St | (413) 385-0012 |
The Gomes Agency, serving the Ludlow, Massachusetts area, operates as a health insurance agent assisting local residents and businesses. The company helps clients navigate individual health plans and family coverage options throughout Western Massachusetts. It also facilitates access to Medicare supplements and prescription drug plans for eligible seniors. Typical services include explaining plan benefits, enrolling new members, and managing annual policy renewals during open enrollment periods. The agency handles both Affordable Care Act marketplace plans and short-term medical insurance for those in transitional periods.
Regina Jasak Independent Insurance provides a comprehensive range of health insurance services, including plan selection assistance and enrollment support for individuals and families. The company also offers ongoing service plans to help clients review coverage options during open enrollment periods and manage claims or billing issues as they arise. Serving the Ludlow, Massachusetts area, this agency specializes in navigating the local healthcare landscape for its clients. It services a variety of properties, including single-family homes and apartments.
HUB International in Ludlow, Massachusetts, is known as an insurance broker offering a range of health insurance plans for individuals, families, and local businesses in the region. Its services include policy comparisons, enrollment assistance, and claims support for various medical and supplemental coverage options. The agency helps clients navigate plan changes during open enrollment and qualifying life events. A specialty service it can add on is dental insurance plan integration.
Homeowners and small business owners in the Ludlow area turn to Ideal Insurance Agency, Inc. for health insurance agent services. The agency helps clients navigate both individual and group health plan options, assisting with plan selection and enrollment each year. It also coordinates with local providers to match coverage with medical needs. Residents in neighboring Springfield rely on the same dedicated support for their health insurance solutions.
Based in Ludlow, MA, Ludlow Travel Agency serves as a local health insurance agent, bridging a key difference between short-term gap plans and comprehensive, year-round health coverage. Addressing coverage needs ranging from unexpected medical expenses to ongoing preventive care, the agency helps clients navigate plan structures available in the region. Verifying eligibility for subsidies and understanding out-of-pocket costs are part of its typical consultation process. Service is available on either a one-time enrollment consultation or an as-needed basis for plan updates throughout the year.
Duke Insurance Brokerage, Inc. in Ludlow, MA offers health insurance agent services focused on helping individuals and families select appropriate medical coverage plans. It also provides guidance to small business owners seeking group health benefits for their employees. The company works with clients to compare policy options from multiple carriers, translating complex terms into clear, straightforward explanations. This assists residents in making informed decisions during the annual open enrollment period or when a qualifying life event, such as job loss or a new child, creates an urgent need to secure new coverage.
Serving Ludlow, Massachusetts, and the surrounding communities, The Dowd Insurance Agencies provides health insurance guidance to individuals and families. The company handles plan comparisons, enrollment, and coverage questions for its clients. It works to understand each person’s specific medical needs and budget constraints before identifying suitable options from available carriers. This approach helps simplify the selection process for customers navigating complex policy terms and annual changes. The typical job begins with a thorough consultation to clarify coverage priorities and ends with a detailed breakdown of plan benefits, costs, and provider networks.
The changing health insurance needs of Ludlow residents, from open enrollment periods to life events, require careful guidance. Touched By An Angel, Inc provides local expertise as a health insurance agent. They help individuals and families navigate plan options, including Medicare and Affordable Care Act coverage. Their office focuses on explaining policy details clearly and finding appropriate coverage within a client's budget. A thorough initial consultation is scheduled to review current coverage and assess future requirements.
James F. Shea & Sons, LLC serves the Ludlow area by offering health insurance plans for individuals and families. The agency specializes in helping clients understand coverage options under the Affordable Care Act and supplemental policies that address specific medical needs. Health insurance brokers in this region typically guide people through enrollment periods and explain how different plans apply to routine care or hospital stays. The company can support local commercial sectors such as offices, warehouses, and food service operations.
What Does a a Health Insurance Agent in Ludlow Cost?
Health insurance agents in Massachusetts do not charge you directly for their services. Their compensation comes from the insurance carriers. However, the health plans themselves have costs like monthly premiums, deductibles, and copays. For 2024, average monthly premiums for an individual ACA plan in Massachusetts range from about $300 to $600 depending on age, income, and metal tier. Subsidies through the Health Connector can lower these costs significantly. This is general information, not insurance advice.
About health insurance agents in Ludlow
Health insurance agents in Ludlow, Massachusetts help individuals and families navigate the Massachusetts Health Connector and private insurance plans. These agents are licensed by the Massachusetts Division of Insurance and must follow state regulations including the Massachusetts individual mandate which requires most residents to have health coverage. Local agents understand the specific needs of Hampden County residents and can explain plan options from insurers like Blue Cross Blue Shield of Massachusetts and Harvard Pilgrim.
Frequently Asked Questions
What does a health insurance agent in Ludlow do?
A health insurance agent in Ludlow helps you compare and enroll in health plans from the Massachusetts Health Connector or private insurers. They explain plan benefits, costs, and provider networks. Agents also assist with subsidy eligibility and annual renewals.
Do I need to pay for a health insurance agents services in Massachusetts?
In Massachusetts, health insurance agents are typically paid by the insurance company, not by you. Their commission is built into the plan premium. You can use an agent without paying extra out of pocket.
What is the open enrollment period for health insurance in Massachusetts?
The Massachusetts Health Connector open enrollment period usually runs from November 1 to January 23 each year. Outside this window, you may qualify for a special enrollment period due to life events like losing other coverage, moving, or having a baby.