Expertise.com

2024

Last updated:

Best Health Insurance Agencies in St. Petersburg

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 St. Petersburg 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.

4611Reviewed

2769Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

6798 Crosswinds Drive North, St. Petersburg, FL 33710
WebsiteLicense: L088601

Expertise.com Rating

Review Sources

Google
4.0 (15)
Facebook
5.0 (5)

Why choose this provider?

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.

  • Group Plans
  • Individual Plans

6699 13th Avenue North, St. Petersburg, FL 33710
WebsiteLicense: L113791

Expertise.com Rating

Review Sources

Google
5.0 (7)

Why choose this provider?

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.

  • Individual Plans
  • Medicare Advantage Plans
  • Prescription Drug plans

110 Carillon Parkway, St. Petersburg, FL 33716
WebsiteLicense: L004627

Expertise.com Rating

Review Sources

Facebook
4.0 (11)
Google
4.0 (7)
Yelp
5.0 (1)

Why choose this provider?

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.

  • Individual Plans

750 4th Avenue South, St. Petersburg, FL 33701
WebsiteLicense: L081870

Expertise.com Rating

Review Sources

Google
5.0 (27)

Why choose this provider?

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.

  • Individual Plans

200 Beach Drive Northeast, St. Petersburg, FL 33701
WebsiteLicense: L071556

Expertise.com Rating

Review Sources

Google
5.0 (5)
Facebook
4.0 (3)
Yelp
5.0 (3)

Why choose this provider?

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.

  • Life Insurance

3446 49th Street North, St. Petersburg, FL 33710
WebsiteLicense: L069122

Expertise.com Rating

Review Sources

Google
4.0 (89)
Facebook
5.0 (14)
Yelp
5.0 (4)

Why choose this provider?

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.

  • Individual Plans
  • Life Insurance

330 5th Street North, St. Petersburg, FL 33701
WebsiteLicense: A124166

Expertise.com Rating

Review Sources

Google
5.0 (10)
Yelp
5.0 (1)

Why choose this provider?

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.

  • Individual Plans

742 2nd Avenue South, St. Petersburg, FL 33701
WebsiteLicense: L000997

Expertise.com Rating

Review Sources

Google
5.0 (52)
Facebook
5.0 (3)

Why choose this provider?

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.

  • Life Insurance

FAQs

  • 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 use your health insurance to pay for medical services in St. Petersburg?

    You will be asked to provide proof of insurance in the form of your insurance card during your hospital visit in Cary. Always bring your insurance card with you so that the healthcare provider can submit a claim to your insurer. Depending on your health insurance, you may be required to pay a deductible or a copayment upon admission. If you do not provide the information required to be forwarded to the insurer, you may be charged directly for the services.

  • How do you pay for medical expenses if you have more than one health insurance plan in St. Petersburg?

    In St. Petersburg, the coordination of benefits provisions determines which health insurance policies pay for your medical expenses within the limits of your coverage. For example, if you have a dual policy, the clause will specify which plan pays first, streamlining the claims process and preventing unnecessary payments from being made twice. Furthermore, the total benefit from the two policies cannot exceed the original claim amount.

  • How long can you keep short-term health insurance in St. Petersburg?

    Short-term health insurance policies in St. Petersburg can be maintained for 30 days to one year, with a maximum of three years. In addition to the annual open enrollment period, policy renewal is always available. This coverage, which is comparable to basic health plans, was chosen by individuals who required temporary medical coverage or could not afford comprehensive health insurance.

  • Will you be rewarded if you have not made a claim on your St. Petersburg health insurance?

    Health insurance in St. Petersburg may include a reward known as a No Claim Bonus if you go for a whole year without filing a claim for medical services. This incentive lowers the yearly premium by a set percentage with no changes in the overall coverage offered by the policy.

  • Do you need health insurance in St. Petersburg when enrolling as a foreign college student?

    Yes, all foreign students attending colleges in St. Petersburg are required to purchase items that can be obtained in their home country or upon arrival. The student must keep the coverage throughout their studies. Before students can register for classes, universities will require them to show proof of student health insurance.

  • 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.