The top-rated health insurance agent in Panama City, Florida is John Douglas Insurance & Financial Services, rated 4.9 stars across 404 reviews. Other highly rated options include Florida Health Connector / Florida Blue, Harry Grizzle Insurance, Peoples First Insurance. This directory lists 20 health insurance agents serving Panama City.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | John Douglas Insurance & Financial Services | 2217 St Andrews Blvd | (850) 769-7785 |
| 2 | Florida Health Connector / Florida Blue | 1041 Harrison Ave | (850) 249-1010 |
| 3 | Harry Grizzle Insurance | 2104 W 23rd St | (850) 598-0450 |
| 4 | Peoples First Insurance | 1022 W 23rd St Suite 250 | (850) 770-7047 |
| 5 | Ellis Agency Insurance | 1134 Harrison Ave | (850) 763-1627 |
| 6 | Daffin Insurance Services | 755 Harrison Ave | (850) 769-8183 |
| 7 | Acentria Insurance | 501 W 11th St | (850) 257-2990 |
| 8 | Specialty Insurance Group | 1143 Jenks Ave | (850) 747-4959 |
| 9 | Hutt Insurance Agency | 3106 W 23rd St | (850) 769-4888 |
| 10 | Providence Risk Insurance LLC | 5501 Cherry St | (850) 785-3717 |
John Douglas Insurance & Financial Services serves clients throughout Bay County, Florida, from its base in Panama City. As a health insurance agent, the company assists individuals and families in selecting medical coverage plans that fit their needs and budgets. It guides clients through the enrollment process and helps them understand policy details. Navigating open enrollment periods and comparing plan options are common tasks. The firm also handles supplemental insurance options such as dental and vision policies for residents in this coastal area.
Florida Health Connector / Florida Blue provides health insurance agent services across Panama City, Florida. Its team assists individuals and families with plan selection, enrollment, and ongoing policy management throughout the year. Service plans include guidance on open enrollment periods and assistance with claim questions or coverage changes. Regular maintenance support helps clients adjust plans when life events occur, such as marriage or job changes. The company services single-family homes, apartments, retail businesses, and local restaurants.
Harry Grizzle Insurance assists homeowners, families, and individual professionals in the Panama City area with their health insurance needs. The agency helps clients navigate plan options and enroll in coverage that aligns with their medical requirements and budget. Their services include reviewing policy details and explaining available benefits to ensure customers understand their choices. The team also helps residents across the broader Bay County metro and frequently serves clients in nearby Lynn Haven, providing access to local health insurance guidance.
Peoples First Insurance serves Panama City and the surrounding communities in Bay County, handling health insurance needs for individuals, families, and small groups. The agency guides clients through plan options like ACA marketplace policies and Medicare supplements. Its typical job begins with a no-obligation consultation to review current coverage and assess health care requirements. From there, it presents a selection of tailored plans, then assists with the enrollment process step by step, ensuring each policy aligns with the client’s budget and medical needs.
Navigating health coverage can involve either selecting a standalone temporary plan or establishing an ongoing relationship with a carrier for continuous protection. Ellis Agency Insurance in Panama City, FL, helps individuals and families understand these distinctions, guiding them through available options to match their medical needs and budget constraints. The agency clarifies how different policies manage routine care, prescriptions, and unforeseen emergencies. Their professional guidance is provided on a scheduled, as-needed basis, allowing clients to book consultations when they require assistance or are facing life changes that affect their insurance status.
Daffin Insurance Services specializes in helping individuals and families select a health insurance agent’s services in Panama City, FL. The company guides clients through plan options, enrollment procedures, and coverage details to find suitable policies. During annual open enrollment periods, when many residents face deadlines and plan changes, the team assists with timely policy comparisons and applications.
Acentria Insurance provides a broad range of health coverage options to individuals and groups in Panama City, Florida. As a dedicated health insurance agent, it specializes in matching clients with suitable medical, dental, and vision plans. The agency helps navigate plan benefits and enrollment periods to secure necessary protection. Its services can assist commercial sectors including professional offices, warehouses, and food service establishments with their employee health needs.
Specialty Insurance Group in Panama City, FL, assists residents with individual health insurance plans tailored to their personal medical needs. The agency also guides local businesses through commercial coverage options for employee benefits. Serving Panama City and the broader surrounding areas, agents help clients compare policies from various carriers during open enrollment periods. They provide ongoing support for claims or plan changes and schedule follow-up consultations to adjust coverage between regular annual review visits.
As open enrollment season approaches in Panama City, local residents often face confusion about plan options and subsidy eligibility. Hutt Insurance Agency responds by providing clear guidance through the selection process, helping individuals and families find suitable coverage that meets both their healthcare needs and household budgets. As a health insurance agent in the area, the agency can answer specific questions about network doctors and prescription drug tiers. An initial consultation is offered to review each client’s current situation and determine the appropriate plan to consider.
What Does a a Health Insurance Agent in Panama City Cost?
Health insurance agent services are typically free to consumers because agents earn commissions from insurance carriers. The cost of the health plan itself varies widely. In Florida, a mid-level ACA silver plan for a single 40-year-old may range from 400 to 700 dollars per month before subsidies. Subsidies based on income can lower that cost significantly. Medicare Advantage plans often have low or zero monthly premiums but may include copays and deductibles. This is general information and not insurance advice.
About health insurance agents in Panama City
Health insurance agents in Panama City, Florida help individuals and families find coverage that meets their needs and budget. Florida law requires agents to be licensed by the state and follow strict guidelines when advising clients. Agents can assist with Open Enrollment periods and Special Enrollment events due to life changes like marriage or job loss.
Frequently Asked Questions
What does a health insurance agent in Panama City do?
A health insurance agent helps you compare plans from different carriers and explains the benefits and costs. They guide you through the application process and can help you apply for subsidies if you qualify. Agents are paid by the insurance company, not by you, so their service is usually free to you.
When can I enroll in a health plan in Florida?
The annual Open Enrollment for ACA plans usually runs from November 1 to January 15 each year. You may qualify for a Special Enrollment Period if you have a qualifying event like losing other coverage, moving, or having a baby. Florida does not have a state-based exchange, so all enrollments go through the federal marketplace at HealthCare.gov.
Are there Florida-specific rules for health insurance agents?
Yes, Florida requires all health insurance agents to hold a valid 2-40 license from the Florida Department of Financial Services. Agents must complete continuing education every two years to keep their license active. Florida also has strict laws against misrepresentation and requires agents to clearly disclose their license status to clients.
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