I am just now updating this review. I only became upset at his response after he was rude to me. Despite not being able to offer instance for pre-existing conditions at the time, this salesman was very rude and condescending on the phone. Even though this was 8 years ago, I still remember this phone call. read more

My review was suppressed on Google. Rick Young also disabled reviews for his Facebook and BizARate pages. None of the posted reviews were anything like my actual experience with Rick Young. On 10-8-18, I inquired about health insurance from Rick Young. He gave me a Marketplace quote of: Blue Cross Select HMO Bronze 2018 plan = $21.33/month Lifesecure Personal Accident insurance = $38.20/month Out of Pocket protection plan = $35.28/month When I spoke to him again, he asked for information so that he could prepare an application. He also wanted me to give him payment information over my cell phone. I held off on providing my payment information. I wanted to talk to him in person first. Rick Young called me again during the weekend. He said that all he needs is payment information. I again told him that I don't want to give payment information over the phone & that I want to speak to him in person next week. Mr. Young wouldn't schedule an appointment. He told me to call him when I'm ready. I called other agents. The other agents explained that the Blue Cross Bronze plan quote for $21.33 was low. I would pay back any excess benefits I received at tax time. I was also told that the accident protection & out of pocket protection plans were unnecessary. The other agents also said they would meet with me rather than take my payment information over the phone. I decided not to get a plan from Rick Young. Rick Young contacted me on 10-23-18, though, to ask if I would accept his quote. I told him that I spoke with other brokers who told me that his quote was too low. When I asked what income he based the quote on, he based it on a figure that was $7000 less than my actual income from my new job. I pointed that out & said that I also have a part-time job that provides additional income. Mr. Young said there was a miscommunication. He provided a new quote of over $260 per month for the Blue Cross Bronze plan plus the personal accident & out of pocket plans. I told Mr. Young I would think about his new quote. I rejected it, then got coverage from another company. Mr. Young called me again on 10-31-18. I told him I had already gottten health insurance from another agent & that his last quote was too high. I also said that I had never had a personal accident or out of pocket protection plan before. Mr. Young told me that the coverage I obtained will be discontinued on 12-31-18, so I will need new coverage for 2019. He said that the quote of $260 was actually for a Blue Cross Silver plan. He can provide a Blue Cross Bronze plan for over $160. I asked why he didn't provided that price before? He said his staff gave him the wrong quote. He trusted his staff to do its job properly. I told Mr. Young that I would verify what he told me with the other agent. Mr. Young asked me to call him back. I talked to the other broker, who verified that the plan would end on 12-31-18, but that I can find another affordable insurance plan for 2019. I called Rick Young's office back during the afternoon on 10-31-18 & left a message with his secretary saying that I wouldn't accept any 2019 options from him. During the morning of 11-2-18, though, I got 2 e-mail confirmations that Rick Young had submitted 2 online applications for me for the personal accident & out of pocket protection plans without my permission. I called the 2 companies. I had the personal accident insurance application cancelled that morning. I had to wait till the following week on 11-5-18 to cancel the out of pocket protection plan application. When I called Rick Young, he told me that according to his notes he had offered the personal accident & protection plans to me. I told Mr. Young that I had never accepted those plans nor told him to submit applications for me. I also reminded Mr. Young that I had left a message with his secretary stating that I wouldn't get 2019 coverage from him. Mr. Young had nothing to say. I am surprised that he used information I had provided to submit 2 unapproved applications. I submitted a complaint against Rick Young with the Michigan Department of insurance at (877) 999-6442. I won't have anything to do with the Rick Young Agency again. read more

Terrible. Rude... Rude... Rude... He left his husiness card at my church, which he does not go to by the way. I made the mistake of blindly choosing an insurance agent this way assuming they would all be the same. A mistake. I went to his office to consult with him because I hate conducting business like this over the phone. While waiting in his grungy uncomfortable office i started thinking the place could really use a good cleaning, there was a spider web on the chair next to mine and dust bunnies everywhere. I was 15 mins early for the appointment and waited over 35 mins past the start time. Total time of 50mins waiting and I could see straight into his office where he was eating an early lunch at 11:00am by himself and texting or playing on his phone the whole time (not talking on it). I was about to leave when the receptionist, bless her heart went and "reminded" him I was waiting. She lead me to his door and the first thing he did was introduce himself, ask my name, and ask what I was there for(no apology for the wait). When I told him I was first looking to clear up some questions I had about different kinds of policies, he stopped me and told me "Im really sorry I dont have a lot of time right now, I have a meeting out of office and need to get going here shortly. I could leave you with one of my associates to answer your questions or point you to some good information online before I leave." He said this as if we did not have an appointment and I had just walked in off the streets. Im a rather passive person so I told him I would just look it up online and left. I have never been so offended by a business owner in my life. I guess Rick Young wants you to do all the work yourself so he can just collect the commission. I do owe thanks to Rick though because without him I would never have found my new agent who is amazing. Maybe this was a fluke (doubt it) but I could never recommend this business to anyone. Ever. read more

This review is for Rick Young at Rick Young Insurance. We are self employed, and long time clients of Rick Young. Each year Rick re-assesses our current health care plan, and that of the competition. We are grateful to have Rick on our side, now navigating the marketplace. He does all the work comparing the plans, and it costs us nothing. When a problem arises, we call Rick. He's quick to return the call. --We trust Rick Young, as we have for many years. He gives knowledge based, straight answers. Rick is the best! And, so is his support staff! read more

I recently changed jobs and needed to get health insurance on my own. I knew nothing about the process and was nervous. Troy Young was so patient, informative, and helpful - and wasn't pushy for a single second. He gives objective advice and I am grateful. If you need help with a policy, you should contact this agency. I'm so glad I did! read more

I've had nothing but great interactions with everyone at his office. I've been the one needing to be 'bugged' about paperwork and they have been extremely kind, patient and worked diligently to correct my problem. I highly recommend this agent and his team! read more

I recently moved back to Michigan from California. My husband and I needed to set up our own health insurance as the Cobra rates offered by our previous employers were very high. I went through a website online to receive insurance quotes which led me to Paul Roncelli at Rick Young Insurance. From the beginning Paul was extremely helpful, walking me through all details of insurance (since this was uncharted territory for me). He answered all my questions in detail and helped ensure I picked the right coverage for me and my husband. Even after my insurance was set up I had more questions and needed help which he didn't hesitate to provide. When it comes to something as daunting as health insurance I'm so happy I found such a good guide! If you find yourself in the same boat, I suggest you give him a call! read more

Their unprofessional (and possibly) illegal telemarketing spam calls are so 1990's. Really? An automated spam call to a workplace is a real annoyence. Please pass these guys over for someone with a least a little integrity. read more

Rick Young offers great health care choices at good rates. I have known him for many years and would highly recommend them. Very professional and knowledgeable about health care insurance and some alternatives. read more

Ed Ford is a Godsent. I would recommend Rick Young & Associates to anyone. Thank you, Ed, so very much for all your help and support.