Expertise.com
2024

Last updated:

Best Health Insurance Agencies in Clearwater

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 Clearwater 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.

2130

Reviewed

1282

Curated

10

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

5471 West Waters Avenue, Tampa, FL 33634
WebsiteLicense: L094268

Why choose this provider?

Vitality is a national insurance agency serving the Clearwater community. It provides individual and family health insurance with specialization in Medicare health plans. The policy includes critical illness, accident coverage, indemnity plans, hospital indemnity, and dental and vision plans. Its team of professionals also offers a variety of life insurance products, such as term, whole, and universal life plans. The agency currently serves 31 states and partners with various insurance companies to present a wide range of tailored coverage options.

  • Life Insurance

83 Park Place Boulevard, Clearwater, FL 33759
WebsiteLicense: E106418

Expertise.com Rating

Why choose this provider?

Brown & Brown Insurance Pinellas is a company that has been serving Clearwater and the surrounding areas for more than 82 years. It specializes in providing health insurance solutions to businesses. Some of its services include medical and pharmacy, dental and vision, group life and disability, and international benefits. Alex Shouppe has been serving as the company's executive vice president since 2009. Apart from work, he is active in giving back to the community and serves as the chairman of John Hopkins All Children's Hospital Foundation.

  • Life Insurance

4831 Ruen Drive, Palm Harbor, FL 34685
WebsiteLicense: L092591

Expertise.com Rating

Review Sources

Google
4.0 (91)
Facebook
4.0 (33)

Why choose this provider?

Headed by Dave and Chris Coleman, Coleman Insurance Agency offers Clearwater residents a varied selection of insurance policies. The agency's portfolio of insurance products includes family and personal health, automobile, homeowners', and commercial business insurance. Its insurance agents work to adjust a client's coverage plan based on their current situation and needs. In addition, they can assist clients in filing for insurance claims by explaining the factors involved, the timeframe of the process, and the expected outcome of a client's claim.

  • Health Insurance
  • Individual Plans

1435 Gulf to Bay Boulevard, Clearwater, FL 33755
WebsiteLicense: L011835

Expertise.com Rating

Review Sources

Google
4.4 (13)

Why choose this provider?

Dean Robinson is a Clearwater-based insurance agent working with State Farm. She has been serving families, individuals, and businesses for over 30 years. She offers life insurance options that are available in term, whole, and universal categories. She also offers insurance solutions that cover auto homeowners, renters, personal articles, and health. Dean also helps small businesses to avail themselves of insurance plans that cover vehicles, group health, and workers' compensation. She also has extensive experience in banking and annuities.

  • Life Insurance

1955 Drew Street, Clearwater, FL 33765
WebsiteLicense: R011533

Expertise.com Rating

Review Sources

Google
5.0 (21)
Facebook
4.8 (21)

Why choose this provider?

Fox Insurance Agency has been helping residents of Clearwater with their insurance needs for over 30 years. Its team of agents and brokers evaluates each client's needs and goals and translates them into the best insurance plans that suit their unique objectives. The company offers both individual and family health insurance, as well as dental, disability, long-term care insurance, and annuities. Fox Insurance Agency carefully selects the insurance providers they represent, only working with reputable insurers who handle claims promptly and fairly.

  • Individual Plans
  • Group Plans
  • Life Insurance

1070 Kapp Drive, Clearwater, FL 33765
WebsiteLicense: R002566

Expertise.com Rating

Review Sources

Google
5.0 (22)

Why choose this provider?

Serving Clearwater, Laake Financial Services is an insurance firm providing an array of insurance and financial solutions to clients in the metro. It offers insurance products like health, disability, long-term care, medical supplement, and life insurance policies. The company also has other insurance plans such as auto, boat or watercraft, property, condo, business, and workers’ compensation insurance. Laake Financial Services, a family-operated agency, was established in 1982. This full-service business is currently serving more than 3,000 individuals.

  • Life Insurance

11640 Zimmerman Road, Port Richey, FL 34668
WebsiteLicense: L093379

Expertise.com Rating

Review Sources

Google
4.0 (32)
Facebook
3.0 (7)

Why choose this provider?

Since 2015, AA Insurance Consultants, Inc., has been providing health plans for clients in Clearwater. It focuses on helping individuals and their families receive insurance coverage for eyes and dental services. It also gives clients several Medicare options, such as supplements, prescriptions, and advantage plans, to help with their medical needs. In addition, the company is available for life insurance plans to help the clients' beneficiaries receive financial help. Its owner, Kelly Smith, previously worked as a sales manager with AIG for over seven years.

  • Individual Plans
  • Life Insurance

2454 McMullen Booth Road, Clearwater, FL 33759
WebsiteLicense: L086007

Expertise.com Rating

Review Sources

Google
4.0 (113)
Facebook
5.0 (14)
Yelp
3.0 (5)

Why choose this provider?

Craig Duncan is a professional who helps clients from Clearwater prepare for future medical emergencies through health insurance plans. As an insurance agent from State Farm, Craig provides clients with a variety of health insurance options, including individual health insurance, disability insurance, supplemental health insurance, and Medicare supplement insurance. He also provides assistance to clients who are requesting to change their policies. Craig has been in the insurance industry for more than three decades.

  • Individual Plans
  • Life Insurance

1408 North Westshore Boulevard, Tampa, FL 33607
WebsiteLicense: L052569

Expertise.com Rating

Review Sources

Facebook
4.0 (25)

Why choose this provider?

A&B Insurance and Financial is a local and full-service agency serving individuals, families, and businesses in the Clearwater metro. It is a health insurance provider that offers individual, accident, cancer, and income replacement coverages. The business also provides Medicare and Blue Cross Blue Shield products. The company's agents also create insurance policies for homes, autos, and businesses. A&B Insurance and Financial has been in the business for more than 29 years and employs over 300 insurance specialists throughout Florida.

  • Group Plans
  • Life Insurance

Clearwater, FL 33764
WebsiteLicense: W416908

Expertise.com Rating

Review Sources

Google
5.0 (4)

Why choose this provider?

Chris Carmichael is a Clearwater-based insurance agent affiliated with HealthMarkets Insurance. Carmichael can offer clients insurance products ranging from Medicare Advantage and supplement plans to small business health and family health insurance. Moreover, he assists clients throughout the insurance process by comparing policies from different carriers and finding the one that suits the client's current financial situation and needs. Carmichael has previously worked as the National Director of Sales for a technology company.

  • Individual Plans

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.

  • What should a Clearwater resident do if their individual health policy gets cancelled?

    In Clearwater, if one's health policy is terminated due to unpaid premiums but they believe payments were on time, they can file an insurance grievance. If non-payment caused the lapse, they must await the next open enrollment for a new policy. However, the ACA might allow a Special Enrollment Period during the year. It's advised to contact the federal Marketplace at 1-800-318-2596 for possible qualification.

  • Who qualifies for Florida Medicaid in Clearwater?

    In Clearwater, those seeking Florida Medicaid must reside in Florida and be a U.S. national, citizen, or possess valid legal status. They should need medical assistance due to low income. Eligibility also extends to pregnant individuals, guardians of a child under 19, the visually impaired, those with disabilities or households with disabled members, and seniors 65 or above.

  • How can Clearwater families access affordable health coverage for their children through Florida KidCare?

    Children in Clearwater, from birth to 18, can secure health benefits via Florida KidCare. With continuous enrollment and no application fees, kids are matched to suitable programs like Medicaid, MediKids, Florida Healthy Kids, or CMS Health Plan based on age, family size, and income. While most families receive complimentary services, some might pay $15-$20 monthly for their kids. A premium full-pay plan is available for families outside the subsidy bracket.

  • How does the Premium Tax Credit benefit Clearwater residents?

    For Clearwater residents purchasing insurance from the Health Insurance Marketplace or state exchange, the Premium Tax Credit aids in affording plans. If their income ranges from 100% to 400% of the federal poverty limit, then they're eligible. Monthly advance payments can subsidize premiums. For instance, a $650 plan with a $600 credit results in a $50 monthly expense. Residents can also claim the credit during tax filing, given certain conditions.

  • If a Clearwater resident is balance billed after an insurer covers part of an out-of-network claim, are they obligated to pay the remainder?

    Clearwater citizens may or may not owe the remaining amount, depending on several specifics. Florida's balance billing protections cater only to policies issued within the state. Those with policies from outside Florida should reach out to that respective state's insurance body. If covered by a self-insured employer, city, county, or state plan, the employer should be consulted.

  • 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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