The top-rated health insurance agent in West Caldwell, New Jersey is Schumacher Insurance Agency, rated 4.9 stars across 382 reviews. Other highly rated options include Jesse M. Branson: Allstate Insurance, Fallivene Agency, Inc. Real Estate, John Urchak - State Farm Insurance Agent. This directory lists 11 health insurance agents serving West Caldwell.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Schumacher Insurance Agency | 551 Passaic Ave | (973) 237-1000 |
| 2 | Jesse M. Branson: Allstate Insurance | 603 Bloomfield Ave | (973) 228-3100 |
| 3 | Fallivene Agency, Inc. Real Estate | 1011 Bloomfield Ave #1A | (973) 882-1117 |
| 4 | John Urchak - State Farm Insurance Agent | 616 Bloomfield Ave APT 2A | (973) 226-0666 |
| 5 | Nicole Nickerson - State Farm Insurance Agent | 1010 Bloomfield Ave | (973) 521-7150 |
| 6 | Goosehead Insurance - Jesse Branson Jr. | 603 Bloomfield Ave Suite 2 | (973) 435-2509 |
| 7 | Fallivene Agency Inc., Insurance Division | 1025 Bloomfield Ave STE 1B | (973) 882-5577 |
| 8 | MDB Agency Inc | 185 Fairfield Ave # 1D | (973) 287-6105 |
| 9 | Raymond G. McCarthy & Company | 185 Fairfield Ave Suite 1-C | (973) 228-4141 |
| 10 | Benefits Providers LLC | 195 Fairfield Ave STE 3C | (973) 797-0993 |
Schumacher Insurance Agency serves the Essex County region from its base in West Caldwell, New Jersey, offering personalized guidance on health insurance plans. The agency helps individuals and families navigate the complexities of medical coverage, focusing on matching policies to specific needs and budgets. It also assists small business owners in finding suitable group health options for their employees. Common services include helping clients compare marketplace plans during open enrollment and explaining how different deductibles and copays affect out-of-pocket costs.
Jesse M. Branson: Allstate Insurance serves the West Caldwell area with a range of health insurance agency services, including individual plans and family coverage options. The company assists clients with understanding policy details and maintaining appropriate renewals to keep benefits current. It works with property owners in the region, offering its insurance services for single-family homes, apartments, retail locations, and restaurants.
Homeowners, businesses, and property managers in the West Caldwell, New Jersey area rely on Fallivene Agency, Inc. Real Estate for health insurance guidance. The agency assists clients in navigating plan options for individuals, families, and small groups, helping them find coverage that fits their needs and budget. By comparing marketplace and private policies, the agency works to secure appropriate medical and preventive care benefits. The team also serves clients throughout the Caldwells and surrounding Essex County communities, extending its reach to nearby Livingston and Verona.
John Urchak - State Farm Insurance Agent in West Caldwell, NJ, assists clients distinguishing between one-time plans, such as short-term medical coverage for temporary gaps, and recurring health insurance policies that provide ongoing protection. The agency helps individuals and families find plans that fit medical needs and budgets, navigating enrollment periods and policy details. Service runs on an as-needed basis, offering appointments for initial consultations, plan renewals, or coverage adjustments as life circumstances change.
Serving West Caldwell, New Jersey, and the surrounding communities, this agency specializes in health insurance coverage. Nicole Nickerson - State Farm Insurance Agent handles individual plans, family policies, and group options to meet diverse medical needs. The office guides clients through plan comparisons, deductibles, and network choices with clear explanations. To address a typical job, it evaluates a client’s healthcare usage and budget, then recommends suitable coverage from available carriers.
Goosehead Insurance - Jesse Branson Jr. offers guidance on health insurance plans, including individual and family coverage, as well as Medicare supplement options. As a local agent in West Caldwell, New Jersey, the agency assists clients in comparing policies from various carriers to find suitable benefits. This support becomes especially valuable during the open enrollment period or when a qualifying life event, such as a job change or new child, requires a special enrollment period.
As open enrollment season approaches in New Jersey, individuals and families in West Caldwell often seek guidance through the complexities of health plan options. Fallivene Agency Inc., Insurance Division connects clients with coverage that aligns with their medical needs and financial situations. The agency reviews current policies and upcoming changes to help clarify plan benefits, deductibles, and network requirements. An initial consultation typically begins with a review of the client's health priorities and budget to identify suitable plans from available carriers.
MDB Agency Inc operates in the West Caldwell, New Jersey area, offering guidance on health insurance plans for individuals and families. As a health insurance agent, the firm helps clients navigate program options and enrollment procedures. It also provides specialty add-on coverage like dental or vision benefits to complement major medical policies. The agency serves commercial sectors requiring group coverage, including offices, warehouses, and food service establishments.
Raymond G. McCarthy & Company serves residential clients in West Caldwell with individual health insurance plans, while also offering commercial coverage for local small businesses throughout the broader New Jersey area. The agency works with standard carriers to provide options that meet typical medical and prescription needs. Clients receive clear explanations of policy terms during the initial enrollment process. After each annual open enrollment period, the office routinely follows up with existing customers to review their coverage and address any necessary adjustments before regular visits are scheduled.
Benefits Providers LLC, based in West Caldwell, NJ, serves as a local health insurance agent helping individuals and families evaluate coverage options for medical needs. The agency assists clients in navigating plan selections, including major medical policies and supplemental insurance products tailored to various budgets and health situations. It provides guidance on enrollment periods and policy comparisons to simplify decision-making. For added protection, the company can also arrange stand-alone dental or vision plans to complement a primary health insurance package.
What Does a a Health Insurance Agent in West Caldwell Cost?
Health insurance agents in New Jersey typically do not charge you directly for their services. Instead they earn a commission from the insurance company when you enroll in a plan. Commissions vary by carrier and plan type but often range from 5 to 10 percent of the premium for individual plans. For Medicare plans commissions are set by the government and are usually a flat fee. Costs for you may include monthly premiums deductibles and copays. This is general information and not insurance advice.
About health insurance agents in West Caldwell
Health insurance agents in West Caldwell New Jersey help individuals families and small businesses find coverage that meets their needs. New Jersey law requires all residents to have minimum essential health coverage or pay a state penalty. A local agent can explain options like ACA marketplace plans short-term policies and Medicare supplements specific to Essex County.
Frequently Asked Questions
What does a health insurance agent in West Caldwell do?
A health insurance agent helps you compare plans from multiple carriers and enrolls you in coverage. They also assist with renewals changes and claims questions. In New Jersey agents must be licensed by the state Department of Banking and Insurance.
How do I choose a health insurance agent in West Caldwell?
Look for an agent who is licensed in New Jersey and has experience with the type of coverage you need. You can check a license status on the New Jersey Department of Banking and Insurance website. Ask about their familiarity with local hospitals and doctors.
What health insurance plans are available in West Caldwell New Jersey?
Plans include ACA marketplace plans off-marketplace private plans Medicare Advantage and Medigap. New Jersey also offers a state-based exchange called Get Covered New Jersey. An agent can help you find a plan that fits your budget and healthcare needs.
Health Insurance Agents in Other New Jersey Cities
Bayonne · Berlin · Bloomfield · Brick Township · Bridgewater · Cedar Grove · Cherry Hill Township · Chester · Clark · Clifton · Cranford · East Brunswick · Edison · Egg Harbor Township · Elizabeth