The top-rated health insurance agent in Santa Cruz, California is DCD Financial & Insurance Services, rated 5.0 stars across 241 reviews. Other highly rated options include Paul Nelson Insurance Services, Skip Leonard - State Farm Insurance Agent, Ace Althouse - State Farm Insurance Agent. This directory lists 13 health insurance agents serving Santa Cruz.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | DCD Financial & Insurance Services | 1123 Soquel Ave | (831) 423-8542 |
| 2 | Paul Nelson Insurance Services | 730 Mission St #201 | (831) 426-9900 |
| 3 | Skip Leonard - State Farm Insurance Agent | 1101 Water St | (831) 429-2700 |
| 4 | Ace Althouse - State Farm Insurance Agent | 1215 Mission St | (831) 420-1555 |
| 5 | Shockley Insurance Solutions | 519 Seabright Ave Suite #213 | (831) 600-8755 |
| 6 | HealthMarkets Insurance - Manfred Luedge | 505-A River St | (831) 750-9343 |
| 7 | Clarion Pacific Insurance Services | 2035 N Pacific Ave ste a | (831) 337-4661 |
| 8 | D and R Insurance Services | 542 Ocean St #J | (831) 427-3272 |
| 9 | Farmers Insurance - Doug Banks | 303 Potrero St Blg 45 Ste 108 | (831) 460-0700 |
| 10 | Cecy Insurance Services | 201 River St Suite 102 | (831) 477-1730 |
DCD Financial & Insurance Services serves the Santa Cruz, California area as a local health insurance agent. The company assists individuals and families by navigating available health plans and enrollment periods. They help clients compare coverage options from various private insurers to find suitable policies. Guidance on subsidies and cost-sharing reductions is also provided for eligible applicants. In this area, the agency handles plan selection for Affordable Care Act marketplace policies as well as short-term medical coverage.
Paul Nelson Insurance Services provides health insurance guidance, helping individuals and families in Santa Cruz, California, navigate plan options such as individual coverage, family policies, and potential short-term medical solutions. The company assists clients during open enrollment periods and qualifying life events, explaining plan benefits and confirming network availability. Ongoing support addresses policy questions and coverage adjustments. The agent works with a variety of property types, serving single-family homes, apartments, retail locations, and restaurants.
As a health insurance agent, Skip Leonard’s office serves individual residents, families, and local small business owners in Santa Cruz, California. The company helps clients find suitable health coverage plans that meet their medical needs and budget constraints. It also assists customers with policy questions, enrollment periods, and plan renewals to ensure continuous protection. The agency knows the specific healthcare landscape of Santa Cruz County and works with insurers to provide clear options. Its coverage area also extends to the neighboring communities of Capitola and Soquel.
Ace Althouse - State Farm Insurance Agent serves Santa Cruz and the surrounding communities of the Monterey Bay area, handling a full range of health insurance options. The agency works with individuals and families to find coverage that fits their medical needs and budget. Plans typically include major medical policies and supplemental accident or hospital indemnity products. The general approach uses personal consultations to compare available plans and guide each client through the enrollment process.
While a client may begin with a one-time policy comparison to establish coverage, ongoing needs often shift with life changes such as a new job or family addition. Shockley Insurance Solutions serves the Santa Cruz, CA area as a health insurance agent, assisting individuals and families in navigating plan options from available carriers. Their work involves explaining plan benefits, provider networks, and regulatory requirements. Service is offered on a one-time, scheduled, or as-needed basis to accommodate varying client preferences for enrollment support.
With open enrollment periods and life changes like starting a new job or turning sixty-five, residents of Santa Cruz often seek guidance on health insurance choices. HealthMarkets Insurance - Manfred Luedge serves this local need as a health insurance agent. The company connects clients with plans that provide medical and preventative care coverage. To begin, they schedule an in-person or virtual appointment to review a customer’s specific coverage needs and current situation.
As a health insurance agent in Santa Cruz, Clarion Pacific Insurance Services specializes in guiding clients through the complexities of individual and family medical plans. It also assists small businesses in selecting suitable group health coverage within the local market. Understanding the nuances of California’s health exchange, the agent helps residents find compliant policies that meet their budgets and care needs. As open enrollment season approaches, the company provides timely support to ensure clients avoid coverage gaps.
D and R Insurance Services helps residents of Santa Cruz secure health coverage that fits their personal medical needs and financial situations. The agency also assists local businesses with group health plans for their employees. Serving the Santa Cruz area, the team works to match individuals and companies with suitable insurance options from available carriers following an initial consultation. Clients often return for annual enrollment guidance or to adjust their policies when life circumstances shift between regular appointments.
Farmers Insurance - Doug Banks provides health insurance coverage to individuals and families throughout Santa Cruz, California. The agency specializes in connecting clients with individual health plans and group medical policies for small businesses. It offers guidance on options that comply with current healthcare regulations. Agents assist customers in selecting appropriate coverage for annual checkups, emergency care, and prescription drugs. These services are available to professional offices, warehouse facilities, and food service operations needing employee health benefits.
Cecy Insurance Services in Santa Cruz, CA, is a local health insurance agent that helps individuals and families navigate plan options during enrollment periods. It provides guidance on comparing coverage levels, premiums, and provider networks to match medical needs. A health insurance agent in this area also assists small business owners in finding group plans for their employees. For those requiring specialized assistance, Cecy Insurance Services can offer support with understanding Medicare supplemental policies.
What Does a a Health Insurance Agent in Santa Cruz Cost?
Health insurance agents in California do not charge consumers a fee for their services. Their compensation comes from the insurance companies whose plans they sell. Premium costs for plans vary widely based on age, location, income, and plan type. For example, a mid-level Silver plan through Covered California might cost between 300 and 600 dollars per month for an individual before subsidies. This is general information, not insurance advice.
About health insurance agents in Santa Cruz
Health insurance agents in Santa Cruz, California help individuals and families find coverage through Covered California or private insurers. Under California law, agents must be licensed by the California Department of Insurance and follow strict rules about plan disclosures. Local agents understand the specific needs of Santa Cruz residents, including access to providers like Dignity Health and Kaiser Permanente.
Frequently Asked Questions
What does a health insurance agent in Santa Cruz do?
A health insurance agent helps you compare plans, apply for coverage, and understand your options under the Affordable Care Act. They can assist with Covered California enrollment, Medicare plans, and short-term policies. Agents do not charge you directly; they earn commissions from insurance companies.
Can I get help with Covered California enrollment in Santa Cruz?
Yes, many licensed agents in Santa Cruz are certified to help with Covered California plans. Open enrollment typically runs from November 1 to January 31 each year. Special enrollment periods are available for life events like losing other coverage or moving.
Are health insurance agents in Santa Cruz required to be licensed?
Yes, all health insurance agents in California must hold a valid license from the California Department of Insurance. You can verify an agents license on the department website. Agents must also complete continuing education to stay current with state laws.
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