2024
Last updated:
Our Recommended Top 6
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Our goal is to connect people with the best local professionals. We scored San Bernardino 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.
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Providers
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Featured Provider
License: 0G30662
Why choose this provider?
Bernardini & Donovan Insurance Services caters to the San Bernardino area and helps clients secure health insurance options that meet their specialized individual or group needs. As part of its health insurance assistance, the agency aims to provide Medicare assistance, continuous coverage, tax advantages, and financial protection from unexpected medical spending. Its agents also assist employers seeking health insurance benefits for their employees. Bernardini & Donovan Insurance Services has been offering its services for over three decades.
- Health Insurance
License: 0G81267
Expertise.com Rating
Review Sources
- 4.0
(11)
Why choose this provider?
Based in San Bernardino, Alice's Insurance Services LLC and Income Tax is a health insurance agency that offers a full range of services under the categories of home insurance, auto and commercial insurance, and life insurance. It provides clients with life term insurance, whole life insurance, and universal insurance. The company also offers home insurance that covers replacement costs, living expenses in case of a disaster, liability, and personal possessions up to a certain amount. The company also provides notary services.
- Individual Plans
- Life Insurance
License: 0L44372
Expertise.com Rating
Review Sources
- 4.0
(7)
Why choose this provider?
Salazar Insurance and Financial Services is an insurance and financial agency offering its services to its clients in San Bernardino and the surrounding areas. The agency offers health, life, auto, home, renters, motorcycle, and commercial insurance policies. It also offers financial services such as personal and business income tax assistance and debt settlements. It has partnered with several insurance providers to have a wide range of options for their clients to choose their insurance policies.
- Life Insurance
License: 0563829
Expertise.com Rating
Review Sources
- 5.0
(3)
Why choose this provider?
Barich & Associates Insurance Marketing Services, Inc., is an independent insurance agency that has been serving clients in and around San Bernardino since 1979. It carries individual health insurance policies such as EPOs, HMOs, PPOs, health savings accounts, and short-term coverages. It also offers life insurance policies through its partner insurance companies, including The Hartford, Foresters, and MetLife. In addition, the agency works with business owners to implement employee benefit programs that help retain their employees.
- Individual Plans
- Life Insurance
License: 0I68178
Expertise.com Rating
Why choose this provider?
JoAnn Sanchez Insurance Agency is a full-service and independent company that offers insurance solutions to its clients around San Bernardino and its neighboring communities. The agency works with a vast network of health insurance companies that provide coverage for medical, surgical, medicare, group insurance, and hospital expenses. The firm can arrange Medicare Supplement Plans to cover deficiencies in its clients' existing policies. JoAnn Sanchez is a certified health insurance agent that sells Medicare & Group insurance.
- Individual Plans
- Life Insurance
License: 0G47539
Expertise.com Rating
Review Sources
- 5.0
(7)
Why choose this provider?
Based in San Bernardino, Welsh Insurance Services is a health insurance agency owned and operated by partners and independent insurance brokers Scott and Sarah Welsh. Co-founder Sarah has 25 years of experience in Medicare billing and Medicare Supplement insurance. She represents insurance carriers like Blue Shield, Aetna, and Healthnet. Meanwhile, Scott provides assistance in individual and family plans, business group health plans, and Covered CA plans. Together, they deal with a variety of Medicare services that also include hospital and medical insurance plans.
- Life Insurance
Compare our Top Health Insurance Agencies
Name | Expertise Rating | Address | Promotions | Learn more |
---|---|---|---|---|
Bernardini & Donovan Insurance Services | 1200 California Street, Redlands, CA92374 | View More | ||
Alices Insurance Services LLC & Income Tax | 1677 West Base Line Street, San Bernardino, CA92411 | View More | ||
Salazar Insurance & Financial Services, LLC. | 1455 West Highland Avenue, San Bernardino, CA92411 | View More | ||
Barich & Associates Insurance Marketing Services, Inc. | 1819 West Redlands Boulevard, Redlands, CA92373 | View More | ||
JoAnn Sanchez Insurance Agency | 104 E. State Street, Suite H, Redlands, CA92373 | View More | ||
Welsh Insurance Services | 1445 West Redlands Boulevard, Redlands, CA92373 | View More |
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.
Are Medi-Cal managed health plans available in San Bernardino?
Medi-Cal managed health plans are available in San Bernardino. It is a low-cost health coverage program provided to low-income individuals and families in California. Policyholders can access general health and specialized care, including mental health, pediatric care, laboratory, addiction rehabilitation care, radiology, and transgender services.
How much are Medi-Cal health plans in San Bernardino?
In San Bernardino, Medi-Cal coverage for kids is free. Their families do not pay for premiums, deductibles, or copays. However, if they have CCHIP coverage, their families pay $13 per month per child, roughly up to $39 per family. Medi-Cal policyholders can use their coverage even before they choose their Medi-Cal health plan.
Who qualifies for health insurance premium tax credits in San Bernardino?
Individuals in San Bernardino qualify for health insurance premium tax credit if their individual income is between $12,880 and $51,520. Under the American Rescue Plan Act of 2021, more people might be eligible for reduced health insurance premiums or subsidies due to expanded eligibility requirements for subsidies. Individuals may also qualify for $0 health insurance premiums.
When can San Bernardino residents apply for Affordable Care Act health insurance?
Residents in San Bernardino can apply for Affordable Care Act health insurance during the annual open enrollment period. This period usually happens from November 1 to December 15 yearly. However, if they fail to apply for health insurance during the open enrollment period, they can still apply during a special enrollment period.
How can San Bernardino individuals qualify for a Health Insurance Payment Plan?
Individuals in San Bernardino can qualify for a Health Insurance Payment Plan if they have high-cost medical conditions, including organ transplant, pregnancy, and HIV/AIDS. They should not be enrolled in a Medi-Cal managed care plan. Moreover, they may qualify if they have a current private health coverage policy or employer-provided health insurance.
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.
What is health insurance?
Health insurance policies are contracts that require an insurer to pay some or all of a beneficiary's health care expenses in exchange for a premium and deductible. Plans cover preventive care and emergency medical services arising from an injury or illness. They may also offer optional coverage for dental and vision.
How do health insurance companies make money?
Health insurance companies make money by collecting premiums from consumers and reinvesting the funds. Federal law requires insurers to put approximately 80-85% of collected funds toward claims, and 15-20% is used to pay for administrative expenses.
What is subsidized health insurance?
Subsidized health insurance is available exclusively through the Health Insurance Marketplace. This system applies federal tax credits that can reduce or eliminate premiums. Tax credits are available to consumers who earn up to 400% of the federal poverty level based on household size.
What is a health insurance deductible?
A deductible is a fixed amount you must pay out-of-pocket before normal copays or coinsurance rates apply. Under the Affordable Care Act, some services, such as annual physicals and wellness screenings, must be covered at no charge.
Is it illegal to not have health insurance?
No. Starting in 2019, the federal government eliminated the penalty that applied to individuals who could afford health insurance but chose not to purchase it. Financial penalties still apply in California, Massachusetts, New Jersey, Rhode Island, Vermont, and Washington, D.C.
Does health insurance cover therapy?
All Marketplace plans must cover behavioral health care services, including counseling, inpatient care, and substance abuse treatments. However, there are coverage limits, and preauthorization may be required.
What is a copay?
A copay is a fixed price that you pay at the time of service after your deductible is satisfied. Insurance companies set specific rates for primary and specialty care and other services, such as emergency room visits and X-rays. Alternatively, plans may have coinsurance rates that require beneficiaries to pay a certain percentage of covered charges.
What is the Health Insurance Marketplace?
The Health Insurance Marketplace is a federal service designed to help consumers compare and purchase subsidized health insurance plans that comply with the Affordable Care Act. A number of states operate their own insurance marketplaces, including California, Colorado, New York, and Pennsylvania.
How can you find health insurance without a job?
Individuals who don't have access to health insurance through their job can purchase ACA-compliant plans through the Health Insurance Marketplace. Off-exchange plans are also available through private insurers and independent agents. The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives certain individuals who are losing their coverage the right to maintain the same plan for a limited time period.
Can you cancel health insurance at any time?
Consumers can cancel their health coverage at any time. Cancellations may be effective immediately or at a specified date. However, you must wait until Open Enrollment to sign up for a new plan unless you qualify for a Special Enrollment period.
Can you have more than one health insurance policy?
It's possible to have primary and secondary health insurance. This is most common with Medicare and Medicaid beneficiaries, including dual enrollees and individuals who purchase supplemental plans. Secondary plans can cover some additional expenses, but you're still responsible for premiums and deductibles.
Is health insurance pretax?
Premiums for employer-sponsored health plans are generally deducted from the worker's pretax income. The same is true for voluntary contributions made to Flexible Spending Accounts and Health Savings Accounts that are paired with a qualifying high-deductible health plan.
How long can a child stay on a parent\'s health insurance policy?
Children can stay on their parents' health insurance plan until their 26th birthday. There's a 60-day special enrollment period following this date. Exemptions allow disabled adult children to remain on their parents' policy beyond this age.
Do you have to pay a health insurance deductible upfront?
In most cases, out-of-pocket expenses for approved services count toward your deductible. However, it's increasingly common for hospitals to request all or part of the deductible upfront when scheduling major services, such as CT scans and surgeries.
Do employers have to offer health insurance?
The Affordable Care Act requires companies with at least 50 full-time employees to make essential health benefits available to 95% of their workforce. Companies that choose not to offer such benefits may have to pay a penalty.
Is there a tax credit for having health insurance?
The Advance Premium Tax Credit is a federal tax rebate designed to lower the cost of health insurance plans purchased through the Marketplace. Eligibility is based on income and household size. Consumers can decide how much of their tax credit to put toward their premiums.
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