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Best Health Insurance Agencies in Miami Gardens

Our Recommended Top 4

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 Miami Gardens 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.



4Top Picks

Learn about our selection process.


featured provider = Featured Provider

5881 NW 151 Street Suite 125, Miami Lakes, FL 33014
WebsiteLicense: A002714 Rating

Review Sources

4.8 (49)

Why choose this provider?

GEFS Insurance and Tax Services serves clients in Miami Gardens and the surrounding communities. An independent insurance brokerage firm, GEFS helps customers acquire health insurance plans, including coverages for individuals and groups. Its professionals also advise people regarding life insurance policies, long-term care benefits, and retirement plans. When GEFS was founded in 1997, it focused primarily on the needs of government employees, such as law enforcement officers, firefighters, and teachers, eventually opening its doors to the general public in 2005.

  • Life Insurance

2018 Northeast 164th Street, North Miami Beach, FL 33162
WebsiteLicense: P163782 Rating

Review Sources

4.0 (23)

Why choose this provider?

Rodrigo Planter is a State Farm insurance agent who provides health insurance plans to individuals and businesses in Miami Gardens and the surrounding areas. His health insurance products include Medicare Supplement, individual medical coverage, and supplemental health. In addition, he offers other insurance coverage, such as home, auto, business, pet, and life plans. The agent also assists clients in handling banking, mutual funds, and annuities. Planter leads a team that caters to clients who speak English, Spanish, and Portuguese.

  • Life Insurance

5901 Northwest 183rd Street Suite 101, Miami, FL 33015
WebsiteLicense: L107855 Rating

Why choose this provider?

HighLine Insurance, Inc., offers a comprehensive suite of insurance solutions for individuals and families throughout the Miami Gardens area. Its service offerings include health insurance plans. The company assists clients in selecting the level of coverage for their needs. Its personal insurance products also include life, personal auto, boat and RV, and general and professional liability insurance. Homeowners', renters', and commercial property insurance plans are also offered. A locally owned and family-operated company, HighLine Insurance represents multiple insurance carriers as an independent agency.

  • Individual Plans
  • Group Plans

1810 NE Miami Gardens Dr, Miami, FL 33179
WebsiteLicense: R007954 Rating

Review Sources

4.4 (43)
5.0 (8)
3.5 (3)

Why choose this provider?

Skylake Insurance carries a wide range of insurance products and services. Serving the Miami Gardens metro, the independent agency helps individuals and families obtain customized health insurance plans suited to their needs. Its agents also offer other personal policies for homes and automobiles. In addition, they serve business owners who want to acquire general liability and workers' compensation coverages. Skylake Insurance has been in business for over 25 years. It maintains an affiliation with the Florida Association of Insurance Agents.

  • Health Insurance


  • 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.

  • Why is it beneficial for Miami Gardens residents to purchase long-term care insurance?

    Residents in Miami Gardens are encouraged to purchase long-term care insurance to help them pay for out-of-pocket expenses if they need everyday living assistance. They should have this type of insurance because health insurance coverage does not cover long-term care expenses, including dressing, bathing, transferring, and eating.

  • What does health insurance in Miami Gardens cover?

    Health insurance in Miami Gardens typically covers outpatient, preventive, and mental health care expenses, including routine care, vaccinations, checkups, and substance use treatments. Moreover, it helps policyholders pay for CT scans, blood work, ambulance rides, emergency room visits, and physical therapies after an injury. In addition, it covers newborn and maternity care and pediatric services.

  • What expenses are not covered by health insurance in Miami Gardens?

    In Miami Gardens, health insurance does not cover unnecessary medical-related treatments or procedures. This type of insurance does not pay for off-label prescriptions, new medical technologies, cosmetic procedures, and fertility treatments. However, policyholders can file an appeal if their doctors say some treatments or procedures are necessary. They have to provide supporting documentation.

  • Is Medicare Part A in Miami Gardens free?

    Generally, individuals and families in Miami Gardens need to purchase Medicare Part A. However, they can obtain this type of coverage for free if they stay on top of their Social Security taxes for 10 years or 40 calendar quarters. If they receive Part A coverage for free, they pay a monthly premium.

  • How do Health Maintenance Organization plans in Miami Gardens work?

    In Miami Gardens, the Health Maintenance Organization insurance plans provide families and individuals with a network of healthcare providers. If they need a specialist, they should get a referral from their primary care doctor. This type of insurance offers lower co-payments. However, their choice of healthcare provider is limited.

  • 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.