Expertise.com
2024

Last updated:

Best Health Insurance Agencies in Cape Coral

Our Recommended Top 10

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Cape Coral 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.

2953

Reviewed

1775

Curated

10

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
3501 Del Prado Boulevard, Cape Coral, FL 33904
  • Life Insurance

Why choose this provider?

AssuredPartners is an insurance brokerage based in Lake Mary. Serving businesses and individuals throughout Cape Coral, this company is comprised of a team of insurance specialists. The team offers a wide array of insurance products, including health insurance plans. The company represents multiple insurance carriers, offering single and family health policies with different levels of coverage. It also offers packages that include wellness benefits. In July 2021, AssuredPartners was named as the Top 11 Largest Broker of U.S. Business by Business Insurance.

License Verified:

License: E060221

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
4825 Coronado Parkway, Cape Coral, FL 33904
  • Life Insurance

Why choose this provider?

Cape Coral Insurance Center is an independent agency established in 2005. Serving clients in Cape Coral, it offers an array of health coverages for critical illness, accident, cancer, overseas travel, Medicare, and long-term care. The firm also has life insurance policies such as term and whole life, long and short-term disability, final expense, and mortgage protection. Its other available products include business plans like workers’ compensation, excess liability, and bonds. Cape Coral Insurance Center is affiliated with more than 50 insurance companies.

License Verified:

License: L024463

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.3 / 5 (19)
Facebook
4.7 / 5 (19)
Yelp
3.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4706 Chiquita Boulevard South, Cape Coral, FL 33914
  • Individual Plans

Why choose this provider?

USA Medicare Plan is a health insurance agency that serves clients in Cape Coral. The company provides Medicare Supplement insurance plans that cover the gaps in hospital and medical insurance policies. Its agents work closely with clients, learning about their specific concerns, explaining different options, and finding the plan best suited for their needs. The company also provides annual rate reviews to monitor any plan changes and will follow up with their clients for any remaining concerns.

License Verified:

License: P222011

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.1
Google
5.0 / 5 (43)
Facebook
3.0 / 5 (35)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1420 Southeast 16th Place, Cape Coral, FL 33990
  • Life Insurance

Why choose this provider?

LP Insurance Solutions, LLC., is an independent agency that caters to clients in Cape Coral and the surrounding communities. It assists clients aged 65 years old and above in obtaining Medicare Advantage, Medicare Supplement, and Medicare prescription drug plans. It also offers dental, vision, life, disability, and travel insurance policies. The agency's list of health plans includes HMO, PPO, point-of-service, and fee-for-service. Its agent, Lizzy Paredes, used to work for the Department of Insurance and Department of Revenue in Florida.

License Verified:

License: L097151

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
5.0 / 5 (12)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1216 Southwest 4th Street, Cape Coral, FL 33991
  • Individual Plans
  • Life Insurance

Why choose this provider?

Schuman Family Insurance is a locally owned and locally operated agency serving Cape Coral. It offers individual and group health insurance by partnering with various insurance carriers including Travelers, Progressive, Heritage Property & Casualty, and Safeco Insurance. Its team discusses multiple plan variables to clients such as deductible options, co-insurance percentages, waiting periods, and exclusions and conditions. The agency also specializes in different types of personal and commercial lines of insurance such as car, flood, business property, and general liability.

License Verified:

License: L072248

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.7 / 5 (26)
Facebook
4.2 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3046 Del Prado Boulevard South, Cape Coral, FL 33904

Why choose this provider?

Sunsure Insurance is a local Florida Blue agency that caters to Cape Coral residents with health insurance options and services. It offers Medicare plans such as Medicare Advantage and Prescription Drug. It also provides BluDental Copayment QF plans and USAble Life's Accident plans. The company values communication with its customers and ensures availability all year round. Its team also has Medicare specialists who can provide options for those who were not able to enroll in Medicare on time.

License Verified:

License: L061264

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Facebook
4.9 / 5 (14)
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
2708 Santa Barbara Boulevard, Cape Coral, FL 33914
  • Individual Plans
  • Life Insurance

Why choose this provider?

Dawn Sullivan is an insurance agent from State Farm who serves the community of Cape Coral. Dawn aims to help clients prepare for unexpected medical expenses through health insurance plans. These health insurance policies include supplemental health insurance, individual health insurance, disability insurance, and Medicare Supplement insurance. She can also assist in filing health claims and policy change requests. Dawn is a native of Utica and has been with the State Farm organization for 27 years.

License Verified:

License: P063489

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.1
Google
4.0 / 5 (71)
Facebook
5.0 / 5 (12)
Yelp
2.5 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1949 Southeast 37th Street, Cape Coral, FL 33904
  • Group Plans
  • Individual Plans
  • Life Insurance

Why choose this provider?

Specht Insurance Group of Florida is an independent agency that serves Cape Coral and the surrounding communities. It offers health insurance policies, including vision and dental, individual and group health, disability, and long-term care plans. Commercial clients can also choose from a variety of business insurance policies, such as general liability, cyber liability, business owners' policies, and workers' compensation. Additionally, umbrella insurance policies are also available. Specht Insurance Group of Florida has been around for over 60 years.

License Verified:

License: L078639

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
13945 Bald Cypress Circle, Fort Myers, FL 33907
  • Life Insurance
  • Health Insurance

Why choose this provider?

VitalInsurance.org offers Medicare supplement, life, dental, and long-term care insurance plans in Cape Coral. Joe Ferrara, its independent agent and broker, educates clients about Medigap insurance policies and helps them determine whether they qualify for Medicare supplement plans. These qualifications include having paid Medicare taxes for at least 10 years due to employment or reaching 65 years old for legal permanent residents with at least five consecutive years of residency. Joe obtained his insurance license in 1989.

License Verified:

License: A083099

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1401 Viscaya Parkway, Cape Coral, FL 33990
  • Life Insurance

Why choose this provider?

Insurance Options, Inc. is a family-owned local health insurance agency established in 1995 in Cape Coral, Florida. The agency takes pride in providing Medigap insurance, Medicare Prescription plans, Medicare Advantage plans, and dental and life insurance policies. It has a team of professional agents with a combined experience of over 60 years in the insurance sector. Being an independent general agency, they partnered with top-rated insurance companies to provide the best health insurance coverage options that suit their clients' needs.

License Verified:

License: L085117

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (18)
Facebook
4.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • 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.

  • Which health plan provides Cape Coral residents with a way to save on healthcare costs while enjoying potential tax benefits?

    Health savings plans are tax-advantaged accounts designed to help Cape Coral residents save money for physician appointments, prescription drugs, and specific medical supplies. The account balance can grow over time through the accumulation of interest or by making investments. Such plans are accessible to individuals who have enrolled in high-deductible health insurance plans.

  • Who benefits from short-term medical insurance plans offered by carriers in Cape Coral?

    Short-term health insurance plans offer benefits to Cape Coral residents who have recently changed jobs, completed their college education, or decided to retire early. They are also valuable for individuals awaiting the commencement of their Medicare coverage or facing an unexpected loss of their healthcare benefits. Furthermore, these policies offer both peace of mind and financial security in case of unforeseen illnesses or accidents.

  • What is the most straightforward method for Cape Coral residents to obtain a health insurance plan?

    Acquiring a health plan in Cape Coral can be conveniently accomplished by obtaining one through Healthcare.gov. To do so, individuals are required to apply within the specified open enrollment period, which typically spans from November 1 to January 15 annually. Note that this is the only window during which residents can enroll unless they meet specific criteria for special enrollment.

  • How do Cape Coral citizens know the difference between deductibles and out-of-pocket costs?

    A deductible is an extra amount that Cape Coral residents must pay before their insurance provider begins covering their agreed-upon share. On the other hand, out-of-pocket expenses indicate the sum policyholders must bear before their insurance company assumes full coverage of their costs. Deductibles and out-of-pocket costs typically reset annually.

  • How can Cape Coral residents reduce their health insurance premiums?

    To lower health insurance premiums, Cape Coral policyholders can embark on a fitness regimen, shed excess pounds, and prioritize overall well-being. Moreover, quitting smoking is another effective means to secure reduced premiums for policyholders. Policy owners may also opt to raise their deductibles. This is a suitable choice for individuals with sufficient funds on hand to cover potential emergency expenses ranging from hundreds to thousands of dollars all at once.

  • 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.

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