Expertise.com
2024

Last updated:

Best Health Insurance Agencies in Melbourne

Our Recommended Top 8

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 Melbourne 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.

1459

Reviewed

878

Curated

8

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
Melbourne, FL
  • Health Insurance

Why choose this provider?

Harbor Financial Group provides risk management solutions to individuals, families, and business owners in the Melbourne metro. It offers health insurance, which includes individual and group coverages. The agency crafts customized Medicare Supplement, dental, vision, and hospital indemnity policies. These health insurance plans protect policyholders' from financial losses caused by medical expenses. Harbor Financial Group also processes homeowners', umbrella, and flood insurance. Its owner, Lynne Mills, is an insurance broker who has been in the industry for over 20 years.

License Verified:

License: A180253

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 (1)

Website
300 West New Haven Ave, ​Melbourne, FL 32901
  • Group Plans
  • Health Insurance

Why choose this provider?

One Insurance Group, Inc., helps clients in Melbourne obtain comprehensive health insurance plans. This agency's team of health insurance specialists customizes plans for individuals, families, and businesses. They also provide clients with individual and group ancillary benefits, including dental, vision, and life insurance. One Insurance Group is led by Chris Robinson, who has been in the industry since 1992. Together with his team of agents, Robinson coordinates with various insurance providers to help clients acquire protection against the unique financial risks they may encounter in the future.

License Verified:

License: L071823

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.
4.8
Facebook
4.8 / 5 (29)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2425 Pineapple Ave Suite 508, Melbourne, FL 32935
  • Medicare
  • Group Insurance
  • Individual Insurance

Why choose this provider?

Verus Health Partners is an independent insurance brokerage that serves families and employers in Melbourne. It assists with various individual and family health care options, including Marketplace plans, Gap coverage, and cost-sharing options. Additionally, the agency helps employers create group health benefits packages that fits their budget and their employee culture. Verus Health Partners also offers Medicare services. It is headed by J. Keith Giles, an ambassador for the Florida Association of Veteran-Owned Businesses.

License Verified:

License: L095933

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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
140 S Beach St #310, Melbourne, FL 32114
  • Life Insurance
  • Medicare Supplements
  • Health Insurance
  • Medicare

Why choose this provider?

Shawn E. Brown Insurance is an independent brokerage that helps Melbourne clients who need protection for their health. This firm specializes in individual health insurance plans and Medicare plan options. Its specialists also assist when it comes to life insurance shopping. They also guide employers in picking the right group health plans as a part of their corporate benefits. The agency adopts a business model that values efficiency, transparency, and honesty with its transactions. It represents companies including AdventHealth Advantage, Bright Health, Cigna, Molina, and National General.

License Verified:

License: L095147

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 (93)
Facebook
5.0 / 5 (59)
Yelp
5.0 / 5 (4)

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
1801 Sarno Rd Ste 2, Melbourne, FL 32935
  • Life Insurance
  • Individual Health Insurance

Why choose this provider?

Shoff Insurance of Florida is a family-owned company that has provided a wide variety of insurance plans, including health and life insurance for clients in Melbourne for more than 50 years. Its supplemental health insurance includes options for long-term disability, disease, or specialty prescriptions. Its team of agents guides its clients in acquiring the necessary health supplemental policy based on the client's status and needs. The company also offers insurance for auto, motorcycles, and recreational vehicles.

License Verified:

License: L087355

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
Facebook
5.0 / 5 (10)
Google
2.3 / 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
2240 N. Wickham Rd, Melbourne, FL 32935
  • Health Insurance

Why choose this provider?

Eric Ponce is a State Farm insurance agent who serves the health insurance needs of individuals, families, and businesses in and around Melbourne. He has been with the company since 1990, helping people with setting up a plan of protection from significant financial loss caused by unexpected medical, surgical, and hospital expenses. Additionally, he arranges Medicare supplement plans to cover deficiencies in clients' policies. Ponce also provides assistance with auto, home, property, business, and life insurance.

License Verified:

License: A209309

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.
4.8
Google
4.8 / 5 (225)
Facebook
4.6 / 5 (26)
Yelp
5.0 / 5 (4)

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
690 Eau Gallie Blvd., Melbourne, FL 32935
  • Health Insurance

Why choose this provider?

Intercoastal Insurance, Inc., is an agency assisting individuals and businesses in Melbourne. It helps clients in choosing a policy coverage that fits their needs and goals for health insurance. Its team partners with multiple insurance carriers to present a wide range of options including Cigna, Humana, and Delta Dental. The agency also serves as an HR department extension for businesses by conducting new employee meetings, guiding them in resolving claims issues, and keeping employers up-to-date with the changes in the insurance industry.

License Verified:

License: R002284

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.
4.5
Google
4.2 / 5 (5)
Facebook
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.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
730 E Strawbridge Ave, #101, Melbourne, FL 32901
  • Health Insurance
  • Medicare

Why choose this provider?

Twin Rivers Insurance, Inc., is a full-service independent insurance agency that serves clients in Melbourne and the surrounding areas. It offers a variety of health insurance products and services for individuals and businesses, including Medicare, dental, vision, and travel medical insurance. To provide coverage options that fit the needs and objectives of clients, it has formed partnerships with several insurance carriers, including Travelers, Bankers, and Hartford. The agency has been providing professional and technology-based insurance solutions since 2001.

License Verified:

License: R001426

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
Facebook
5.0 / 5 (19)
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.
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.

  • Is Medicare only for seniors in Melbourne?

    Yes. Medicare in Melbourne is a federal health insurance program created for people aged 65 years old and above. However, it can also cover seniors below 65 with certain disabilities and people of all ages with End-Stage Renal Disease. This health insurance pays for primary hospital care and related medically necessary services but doesn't pay for long-term care.

  • Who is qualified for Medicaid in Melbourne?

    In Melbourne, individuals of any age with low incomes can qualify for the health care program called Medicaid. Florida’s Statewide Medicaid Managed Care Program has three categories: Managed Medical Assistance, Long-Term Care, and Dental. Senior citizens can only be enrolled in one plan at a time. Seniors who are eligible for LTC cannot apply for MMA.

  • How long can you stay on your parent's health insurance plan in Melbourne?

    In Melbourne, you can stay on your parent's health insurance plan until the age of 25 years old. According to Florida law, adult children who are still living at home with their parents or are full-time students may remain on their parent's health insurance plans until they reach 26. Also, the law allows people up to the age of 30 who are single and without children to continue to be covered by their parent's health insurance plan.

  • What will happen if your health maintenance organization in Melbourne becomes insolvent?

    The Florida Office of Insurance Regulation ensures that every health maintenance organization remains solvent. If your Melbourne HMO provider becomes insolvent, it will be subject to liquidation, a process analogous to declaring bankruptcy. A court hearing will take place to liquidate the company's assets and liabilities. Then, part of the plan is to distribute the company's assets to policyholders according to the law and court approval.

  • What will happen to your health insurance coverage from your employer in Melbourne if you leave your job?

    If you leave your job in Melbourne, COBRA coverage can still be extended to you. This is also applicable even if you are terminated. Employees who resigned or were terminated have 30 to 60 days to sign up for an extension of their COBRA coverage. However, you will need to pay for the premiums since you are no longer employed by your employer. Premiums may be between 102% and 115% of the group health rate.

  • 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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