Expertise.com

Best Health Insurance Agencies in Palm Coast

2024

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Providers

Last updated:

Website
800 Belle Terre Pkwy, Ste 114, Publix Plaza - Town Center, Palm Coast, FL 32164
  • Life Insurance
  • Health Insurance

Why choose this provider?

Angel Hall is a State Farm agent who has been providing insurance solutions for individuals, families, and businesses based in Palm Coast since 2004. She offers individual medical coverage for people who do not have a health plan through an employer or another organization. She also handles supplemental health insurance, which is an add-on to the primary health coverage that gives a pre-determined benefit amount to cover unexpected expenses. In addition, Hall caters to the auto and home insurance needs of her clients.

License Verified:

License: L007506

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
Google
4.9 / 5 (320)
Facebook
5.0 / 5 (13)
Yelp
1.0 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
352 East New York Avenue, DeLand, FL 32724
  • Health Insurance

Why choose this provider?

Ference-Arison Insurance Services LLC is an insurance agency through Florida Blue that has been serving the Palm Coast area for more than 30 years. The company offers health insurance policies for individuals, families, and businesses, covering things like accidents, critical illness, dental visits, HMO, and hospital-surgical. The company can also cover cancer, hospital confinements, multi-plan offerings, short- and long-term disability, and vision. Ference-Arison Insurance Services is staffed by 40 insurance professionals.

License Verified:

License: R011565

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.
3.0
Facebook
3.0 / 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
Palm Coast, FL
  • Life Insurance
  • Health Insurance

Why choose this provider?

Retire Smart Palm Coast is an insurance solutions provider that caters to Palm Coast-based clients. It offers health insurance and is associated with several healthcare firms like United Healthcare, CarePlus Health Plans, Freedom Health, Humana, Aetna, and Optimum Healthcare, Inc. It also handles retirement planning, life insurance, and Medicare. The firm's attorney, Nadia Tupikina, is a Chartered Retirement Planning Counselor and is also Certified in Long-Term Care. She has a master's degree in business administration and is fluent in both English and Russian.

License Verified:

License: L114824

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

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
3200 East Moody Blvd, Bunnell, FL 32110
  • Individual Plans
  • Group Plans
  • Health Insurance

Why choose this provider?

Hayward Brown-Flagler, Inc., is a full-service insurance company that serves clients in Palm Coast. The firm helps individuals and businesses obtain a health insurance plan that can protect them from medical and financial hardships. The company represents over a dozen carriers that provide a variety of health coverage options, including temporary health, long-term care, dental and vision, medical expense, prescription, and travel health insurance. Co-owner Jeanie Boudreau has been offering personal and commercial insurance policies since 1978.

License Verified:

License: L017786

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 (24)
Facebook
4.5 / 5 (13)

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
15 Jasmine Dr, Palm Coast, FL 32137
  • Life Insurance
  • Health Insurance

Why choose this provider?

Murray & Murray Insurance, P.A., is a Palm Coast-based financial services company that caters to clients throughout the area. It provides health insurance products and advises clients on coverage options like hospital indemnity coverage. The company assists seniors in issues involving Medicare. It also deals with life insurance and offers options like whole and term life policies. Donna Murray, the company’s owner, has over 15 years of industry experience. She serves as a board member for the non-profit organization Grand Haven Women's Club.

License Verified:

License: E040510

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 (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.
3.3
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 it mandatory for Palm Coast residents to get health insurance, and how can they benefit from the Marketplace?

    While Florida lacks a mandate for residents to hold health insurance, the ACA upholds a national requirement that states that no tax penalties apply for non-compliance. Palm Coast residents aren't obligated to use the Health Insurance Marketplace, but leveraging it qualifies them for the Advanced Premium Tax Credit, diminishing their financial burdens.

  • How are health plans on Palm Coast's Marketplace structured in terms of coverage and costs?

    In Palm Coast, health plans on the Marketplace undergo the Department of Health and Human Services certification and align with specific tiers based on cost coverage percentages: Bronze (60%), Silver (70%), Gold (80%), and Platinum (90%). There's also a Catastrophic plan for individuals up to age 30 or, in special cases, set by HHS. To benefit from Advanced Premium Tax Credits or Cost Sharing Reductions, you must buy through the Marketplace. Direct purchases bypass the Marketplace.

  • Can long-term disability insurance in Palm Coast replace the need for health insurance?

    In Palm Coast, while long-term disability insurance offers a safety net by replacing income during prolonged illness or injury, it's not a stand-in for health insurance. This coverage aids with living expenses, including housing and groceries. However, the compensation probably won't match the costs of comprehensive medical care, making health insurance essential.

  • How can Palm Coast residents get ACA financial assistance for their health coverage?

    Palm Coast residents can obtain tax credits to diminish monthly premiums for any metal-tier plan bought via the official healthcare website of the United States, based on their yearly income forecast. Paid directly to insurers, if residents' real income surpasses limits, they'll refund the excess to the government. Additionally, those earning below 250% of the federal poverty threshold can receive subsidies for Silver plans to ease out-of-pocket costs.

  • How can Palm Coast children obtain health coverage through Florida KidCare?

    Palm Coast children up to 18 can enroll in Florida KidCare, with the program determining the best fit from Medicaid, MediKids, Florida Healthy Kids, or CMS Health Plan based on age, family size, and income. Enrollment is continuous. While many families get free coverage, some might pay minimal monthly fees, and others can buy a full-pay plan. The program emphasizes child-specific health and dental services from a variety of providers.

  • 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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