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Best Health Insurance Agencies in St. Petersburg

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2023
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Academy Insurance Agency logo
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License Verified:

License: L088601

Florida Division of Insurance Agent and Agency Services

Academy Insurance Agency

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6798 Crosswinds Drive North, St. Petersburg, FL 33710
  • Group Plans
  • Individual Plans

Business Description

Academy Insurance Agency is a St. Petersburg-based company established in 2005 serving the local metro and neighboring communities. This agency offers major medical plans and supplemental plans, including dental and vision programs. Its team of knowledgeable independent agents is equipped to survey the marketplace to deliver health insurance policies that best suit each client's personal situation. Academy Insurance Agency has 75 years of experience in delivering personal and commercial insurance lines to individuals, families, and business owners.

License Verified:

License: L088601

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
4.0 / 5 (15)
Facebook
5.0 / 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
Bayside Medicare logo
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License Verified:

License: L081870

Florida Division of Insurance Agent and Agency Services

Bayside Medicare

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750 4th Avenue South, St. Petersburg, FL 33701
  • Individual Plans

Business Description

Bayside Medicare is an agency that has been operating in St. Petersburg since 2002. It offers short-term individual health insurance plans that cover unexpected circumstances like accidents or illnesses. Medicare Advantage and Medicare Supplement plans are also available. Moreover, its team of independent agents provides assistance to employers and their employees for group health benefits. The local agency also specializes in life, dental, and vision insurance. Owner Dayna Schafer has 10 years of experience in the human resources field and she's now a Certified Medicare Insurance Planner.

License Verified:

License: L081870

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 (27)

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
Jenny Martin logo

License Verified:

License: E165247

Florida Division of Insurance Agent and Agency Services

Jenny Martin

1638 Doctor Martin Luther King Junior Street North, St. Petersburg, FL 33704
  • Individual Plans
  • Life Insurance

Business Description

Jenny Martin is a full-service insurance agent with State Farm who serves individuals, families, and businesses in St. Petersburg and its neighboring communities. She is a bilingual insurance agent, and she helps clients find and secure health insurance plans that provide coverage for medical, surgical, and hospital expenses. She also offers assistance for Medicare and disability insurance policies. In addition, Martin's portfolio of insurance services includes auto insurance, life insurance, home insurance, and property insurance.

License Verified:

License: E165247

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
4.0 / 5 (91)
Yelp
4.5 / 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
Melissa Ems logo
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License Verified:

License: L069122

Florida Division of Insurance Agent and Agency Services

Melissa Ems

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3446 49th Street North, St. Petersburg, FL 33710
  • Individual Plans
  • Life Insurance

Business Description

Melissa Ems is an independent insurance agency in St. Petersburg that offers personal and commercial insurance lines to clients in the metro. The firm is headed by Melissa Ems, an insurance professional with over 25 years of experience selling and underwriting life, home, and health insurance products. Some of its health plans include individual health, family health, temporary health, supplemental medical, and long-term care insurance plans. It also provides health coverage for business owners and employees.

License Verified:

License: L069122

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.
4.2
Google
4.0 / 5 (89)
Facebook
5.0 / 5 (14)
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
Moore Medicare Options logo
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License Verified:

License: A124166

Florida Division of Insurance Agent and Agency Services

Moore Medicare Options

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330 5th Street North, St. Petersburg, FL 33701
  • Individual Plans

Business Description

Moore Medicare Options assists clients in St. Petersburg with Medicare coverage options, such as the Medicare Part A, Part B, and Part D plans. Its other services include Medicare Advantage plans, Medigap policies, and health insurance for people under 65. Moreover, it was established by Lisa Moore, an independent insurance broker who has been in the industry since 1983. She has access to over 10 health insurance carriers. She also accommodates in-person and virtual meetings.

License Verified:

License: A124166

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 (10)
Yelp
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Morgan Senior Insurance Advisors, LLC logo
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License Verified:

License: L113791

Florida Division of Insurance Agent and Agency Services

Morgan Senior Insurance Advisors, LLC

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6699 13th Avenue North, St. Petersburg, FL 33710
  • Individual Plans
  • Medicare Advantage Plans
  • Prescription Drug plans
  • Dental and Vision Insurance
  • Group Plans
  • Medicare Supplements
  • Medicare Supplement Insurance
  • Medicare
  • Small Group

Business Description

Morgan Senior Insurance Advisors, LLC, is an independent Medicare insurance broker that serves clients in St. Petersburg. It offers various healthcare, Medicare, vision, hearing, and dental insurance plans from several insurance companies. Its Medicare-related services range from provider directory searches, yearly Part D analysis, and regular updates to claims resolution. Its staff has more than 30 years of experience in the health insurance industry and is well-versed in Medicare law. Marsha Marrullier serves as company president.

License Verified:

License: L113791

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 (7)

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
Sam Bond Benefit Group logo
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License Verified:

License: L071556

Florida Division of Insurance Agent and Agency Services

Sam Bond Benefit Group

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200 Beach Drive Northeast, St. Petersburg, FL 33701
  • Life Insurance

Business Description

Sam Bond Benefit Group is an independent insurance agency that serves clients in St. Petersburg. It specializes in offering various healthcare, vision, and dental insurance plans from providers that include BlueCross BlueShield, Aetna, UnitedHealthcare, and Humana. The company also provides other insurance products and services that cover workers' compensation, non-profit organizations, and professional employer organizations. President and CEO Samantha Bond Richman established the agency in 2001. She has been working in the consulting and the insurance business since 1990.

License Verified:

License: L071556

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.
4.7
Google
5.0 / 5 (5)
Facebook
4.0 / 5 (3)
Yelp
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Stahl & Associates Insurance logo
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License Verified:

License: L004627

Florida Division of Insurance Agent and Agency Services

Stahl & Associates Insurance

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110 Carillon Parkway, St. Petersburg, FL 33716
  • Individual Plans

Business Description

Founded in 1983, Stahl & Associates Insurance is a privately held insurance agency serving private and commercial clients in St. Petersburg. It provides a range of services, including commercial insurance, employee benefits, and health insurance. It also provides accidental insurance and medical coverage for travelers. Additionally, the agency offers its People Safe Solutions, a proprietary behavioral-based safety program. Its president and CEO, Robert L. Stahl, has previously worked as a claims adjuster. Stahl also worked in the marketing department of Royal Insurance Company.

License Verified:

License: L004627

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
Facebook
4.0 / 5 (11)
Google
4.0 / 5 (7)
Yelp
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Veritas logo
Visit WebsiteWebsite

License Verified:

License: L000997

Florida Division of Insurance Agent and Agency Services

Veritas

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742 2nd Avenue South, St. Petersburg, FL 33701
  • Life Insurance

Business Description

Veritas is an independent insurance agency that has been serving clients in St. Petersburg since 2003. It offers a range of risk management solutions, including health and life insurance as well as disability insurance. Additionally, it provides coverage for homeowners, renters, floods, and off-road vehicles. The brokerage is a division of Priority One Financial Services, Inc., and a subsidiary of Berkshire Hathaway, Inc. It works with specialty insurance carriers to give clients a variety of programs that meets their needs.

License Verified:

License: L000997

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 (52)
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.
4.0
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.

  • 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.

  • What is health insurance?

    Health insurance policies are contracts that require an insurer to pay some or all of a beneficiary's health care expenses in exchange for a premium and deductible. Plans cover preventive care and emergency medical services arising from an injury or illness. They may also offer optional coverage for dental and vision.

  • How do health insurance companies make money?

    Health insurance companies make money by collecting premiums from consumers and reinvesting the funds. Federal law requires insurers to put approximately 80-85% of collected funds toward claims, and 15-20% is used to pay for administrative expenses.

  • What is subsidized health insurance?

    Subsidized health insurance is available exclusively through the Health Insurance Marketplace. This system applies federal tax credits that can reduce or eliminate premiums. Tax credits are available to consumers who earn up to 400% of the federal poverty level based on household size.

  • What is a health insurance deductible? 

    A deductible is a fixed amount you must pay out-of-pocket before normal copays or coinsurance rates apply. Under the Affordable Care Act, some services, such as annual physicals and wellness screenings, must be covered at no charge.

  • Is it illegal to not have health insurance?

    No. Starting in 2019, the federal government eliminated the penalty that applied to individuals who could afford health insurance but chose not to purchase it. Financial penalties still apply in California, Massachusetts, New Jersey, Rhode Island, Vermont, and Washington, D.C.