The top-rated health insurance agent in Toms River, New Jersey is NJ Life and Health Insurance Group, LLC, rated 5.0 stars across 806 reviews. Other highly rated options include Steve Meehan - State Farm Insurance Agent, American Income Life - Eric Giglione & David Ackerman, Dolly Wasielewski: Allstate Insurance. This directory lists 18 health insurance agents serving Toms River.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | NJ Life and Health Insurance Group, LLC | 10 Allen St STE 4A | (848) 226-6897 |
| 2 | Steve Meehan - State Farm Insurance Agent | 617 NJ-37 | (732) 473-0100 |
| 3 | American Income Life - Eric Giglione & David Ackerman | 616 Washington St 2nd Floor | (732) 225-6190 |
| 4 | Dolly Wasielewski: Allstate Insurance | 229 Washington St | (732) 557-6200 |
| 5 | Arctic Risk Specialists Inc. | 1415 Hooper Ave #203 | (732) 372-4348 |
| 6 | Aaron Friedman: Allstate Insurance | 147 NJ-70 Ste 4 | (732) 901-7719 |
| 7 | Arocho Insurance Agency | 730 Jamaica Blvd | (732) 877-7680 |
| 8 | BHI Insurance | 240 Main St | (732) 349-2300 |
| 9 | Best insurance Toms River | 231 Main St | (732) 201-8633 |
| 10 | Secure Senior Benefits | 1400 Hooper Ave Suite 228 | (848) 288-5968 |
NJ Life and Health Insurance Group, LLC serves Ocean County and the surrounding areas from its base in Toms River, New Jersey. The company focuses on helping individuals and families navigate health insurance options. It works with private plans and marketplace policies to match coverage to different needs. Clients may receive assistance with understanding deductibles, network choices, and premium subsidies. Specific services include enrollment in Affordable Care Act plans and consultation on Medicare supplements.
Steve Meehan - State Farm Insurance Agent serves clients in Toms River, New Jersey, offering a range of policies to meet diverse protection needs, including health insurance coverage. Its service approach focuses on helping individuals and families review their medical coverage options and adjust plans as circumstances change. Common maintenance tasks involve periodic policy reviews to address life events such as job changes or family growth. The agency services various properties, including single-family homes, apartments, retail locations, and restaurants.
American Income Life - Eric Giglione & David Ackerman serves local homeowners, renters, and small business owners in Toms River, New Jersey, by providing health insurance agent services. The company helps clients compare individual and family health plans, guiding them through policy options to meet coverage needs and budgets. They assist with enrollment questions and provide ongoing support for claims management. Their service area extends to neighboring Brick Township and other communities throughout Ocean County.
Dolly Wasielewski: Allstate Insurance serves clients in Toms River and the surrounding New Jersey Shore communities. It handles health insurance plans to help individuals and families find coverage for routine and unexpected medical needs. The agent works directly with clients to explain plan options such as deductibles, copays, and network choices. To handle a typical job, it begins with a consultation to understand the client’s healthcare usage and budget before presenting suitable health plan alternatives from available insurers.
Arctic Risk Specialists Inc. offers guidance on health insurance plan selections and policy transitions for individuals and families in Toms River, New Jersey. The agency assists clients in comparing coverage options from various carriers, helping them understand deductibles, network restrictions, and out-of-pocket limits. It also manages routine policy renewals and enrollment period adjustments. When Open Enrollment ends or a qualifying life event occurs, such as a job change or a new child, Arctic Risk Specialists helps residents secure timely coverage adjustments to avoid lapses in protection.
Aaron Friedman: Allstate Insurance in Toms River, NJ, assists clients in distinguishing between one-time enrollment periods for individual health plans and recurring service options such as employer-sponsored annual renewals. Coverage guidance focuses on matching policy benefits to regional medical providers and adjusting protection for changing health needs. The agent’s service model operates primarily on a scheduled basis for plan year consultations and in response to special enrollment events.
During open enrollment season in Toms River, residents often seek guidance on selecting appropriate plans, and Arocho Insurance Agency assists clients by explaining coverage options clearly. As a health insurance agent in this area, the company helps individuals and families compare policies from major carriers to match their medical needs and budgets. Their process begins with a thorough inspection of each client’s current coverage and an initial assessment of their healthcare priorities.
BHI Insurance offers health insurance agent services in the Toms River, NJ area, focusing on guiding clients through plan selection and enrollment. As a local agency, it assists individuals, families, and businesses with understanding coverage options and managing policy renewals. The company provides support for choosing medical plans, including preventive care and prescription drug benefits. It can serve a range of commercial sectors, such as offices, warehouses, and food service establishments with their employee health insurance needs.
Best Insurance Toms River assists residents in Toms River, New Jersey, with securing health coverage that fits their individual needs. The agency also offers commercial health insurance options for local businesses and extends its services throughout the surrounding area. As a health insurance agent, the company helps clients understand plan details and navigate enrollment periods. After initial policies are in place, they provide follow-up support to address any questions or adjustments that may arise between regular plan renewal visits.
What Does a a Health Insurance Agent in Toms River Cost?
Health insurance agents in New Jersey do not charge you directly; they earn commissions from insurance companies. The cost of a health plan itself varies widely based on your age, income, and coverage level. For an ACA silver plan in Ocean County, monthly premiums can range from 400 to 800 dollars for an individual before subsidies. Subsidies based on income can lower your cost significantly. This is general information, not insurance advice.
About health insurance agents in Toms River
Health insurance agents in Toms River, New Jersey help individuals and families find coverage that meets their needs and budget. New Jersey requires all residents to have health insurance under the state individual mandate, and agents can guide you through options like ACA marketplace plans, Medicare, and short-term policies. Local agents understand Ocean County healthcare networks and can explain how NJ state laws affect your choices.
Frequently Asked Questions
What does a health insurance agent in Toms River do?
A health insurance agent helps you compare plans from different carriers, enroll in coverage, and understand your options. They are licensed in New Jersey and can assist with ACA plans, Medicare, and private insurance. Agents do not charge you a fee; they are paid by the insurance company.
Do I need health insurance in New Jersey?
Yes, New Jersey has a state individual mandate that requires most residents to have health insurance or pay a penalty. The penalty for 2024 is up to 2.5 percent of household income or 695 dollars per adult. An agent can help you find a plan that satisfies this requirement.
When can I enroll in a health plan in New Jersey?
Open enrollment for ACA marketplace plans runs from November 1 to January 15 each year. You can also enroll after a qualifying life event like losing job-based coverage, moving, or having a baby. Medicare enrollment periods vary; an agent can explain your specific deadlines.
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