The top-rated health insurance agent in Destin, Florida is Dave Morrow: Allstate Insurance, rated 4.9 stars across 220 reviews. Other highly rated options include Liufau McCall Insurance Group, Lucleon Insurance, The Baldwin Group (formerly Affordable Home insurance). This directory lists 16 health insurance agents serving Destin.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Dave Morrow: Allstate Insurance | 3997 Commons Dr W Ste H | (850) 650-0600 |
| 2 | Liufau McCall Insurance Group | 36008 Emerald Coast Pkwy Suite 601B | (850) 460-7490 |
| 3 | Lucleon Insurance | 305 Mountain Dr Ste G | (850) 361-2882 |
| 4 | The Baldwin Group (formerly Affordable Home insurance) | 4008 Legendary Dr Suite 400 | (850) 654-1567 |
| 5 | Health Care Exchange | 225 Main St Ste 12 | (850) 376-3459 |
| 6 | Norton Insurance of Florida | 4012 Commons Dr W STE 118 | (850) 244-1574 |
| 7 | Aqua Bay Insurance | 4507 Furling Ln STE 201 | (850) 269-0686 |
| 8 | Asshield Insurance | 415 Mountain Dr STE 3 | (850) 684-0164 |
| 9 | Acentria Insurance | 4634 Gulfstarr Dr | (850) 650-1950 |
| 10 | Defender Insurance Group | 4460 Legendary Dr Suite 300A | (850) 979-5225 |
Dave Morrow: Allstate Insurance serves Destin, Florida, and the surrounding Okaloosa County area as a health insurance agent. The company assists individuals and families in navigating their medical coverage options, including plan comparisons and enrollment guidance. Local clients rely on this agency for professional advice on selecting suitable health policies that meet their healthcare needs and budgets. In this region, it specifically handles Medicare supplement plans and individual health insurance enrollments for residents.
Liufau McCall Insurance Group offers a comprehensive range of health insurance plans for individuals and families in Destin, Florida. They develop customized coverage solutions and provide ongoing support, including policy adjustments during open enrollment periods and direct assistance with claims. Their annual plan reviews help clients adapt to changing healthcare needs. The agency services single-family homes, apartments, retail, and restaurants throughout the local area.
Serving Destin, Florida, and the surrounding Emerald Coast communities, Lucleon Insurance specializes in assisting clients with health insurance coverage. It handles individual and family plans, as well as small business group policies, to help secure local healthcare access. Navigating the Affordable Care Act marketplace and comparing Medicare supplement options are typical functions of its work. Each case is managed by first assessing personal health needs and budget, then matching those factors to a suitable plan network and benefits package.
The Baldwin Group, located in Destin, FL, serves homeowners, businesses, and property managers seeking health insurance agent services. It helps clients compare plans and navigate coverage options for individual and group needs. The agency handles enrollment periods and policy questions, ensuring customers understand their plan details. It also assists with Medicare supplement and short-term health policies for local residents. Beyond Destin, The Baldwin Group extends its services to the nearby community of Miramar Beach and neighboring parts of Walton County.
A health insurance agent can either assist with a single plan selection or provide ongoing support across policy renewals and life changes. Health Care Exchange in Destin, FL, helps clients compare individual health plans and understand their coverage options under the Affordable Care Act, Medicare, or private insurance. Service is available on a one-time, scheduled, or as-needed basis depending on each client’s preference for long-term guidance versus immediate enrollment needs.
Norton Insurance of Florida, based in Destin, serves as a local resource for health insurance coverage. The company offers plans that help individuals and families meet their medical needs, including major medical and supplemental policies. A knowledgeable agent guides clients through annual enrollment periods and changes in healthcare regulations. Norton also provides assistance selecting plans to manage costs while ensuring adequate access to doctors and hospitals. For those planning for long-term needs, the agency can add specialty options like dental and vision insurance.
Aqua Bay Insurance specializes in individual and family health insurance plans and also assists with Medicare supplement options for Destin residents. It helps clients compare policy benefits, navigate open enrollment periods, and understand coverage details for local healthcare providers. The agency further provides guidance concerning short-term health plans and prescription drug coverage. As seasonal changes affect outdoor activity patterns, it can address coverage needs for injuries related to boating or fishing during peak tourist months along the Emerald Coast.
As the Florida open enrollment window approaches, residents of Destin often look to review their coverage options. Asshield Insurance responds by guiding clients through available health plans for individual or family needs. They help explain the differences between high-deductible plans and those with more comprehensive networks, answering questions about out-of-pocket costs and provider access. Each new client is invited to schedule an initial consultation to review their current health needs and determine the most suitable coverage options available for the coming year.
Acentria Insurance serves the Destin, Florida area, providing health insurance agent services to individuals and families. The company assists clients in navigating various health coverage options to meet their medical needs and financial situations. As a local agent, it offers personalized guidance through complex enrollment processes and plan selections. Medicare supplement plans and individual health insurance policies are among the specific services it handles in this community.
Defender Insurance Group serves individuals and families in the Destin area, helping them navigate health insurance plans and enrollment periods. As a health insurance agent, the company specializes in connecting clients with coverage options suited to their medical needs and budgets. Its work includes explaining policy details and assisting with applications throughout open enrollment and special enrollment periods. The group can also support businesses seeking employee health benefits, offering guidance for offices, warehouses, and food service operations.
What Does a a Health Insurance Agent in Destin Cost?
The cost of using a health insurance agent in Florida is usually zero to the consumer because the agent earns a commission from the insurance carrier. For individual plans monthly premiums can range from 300 to 800 dollars depending on age income and plan type. Medicare plans may have no monthly premium or a premium up to 200 dollars. Costs vary by case and plan selection. This is general information not insurance advice.
About health insurance agents in Destin
A health insurance agent in Destin Florida helps individuals and families find coverage that fits their needs and budget. Florida law requires agents to be licensed by the state and follow strict guidelines under the Florida Insurance Code. Local agents understand the specific health plans available in Okaloosa County and can guide you through open enrollment or special enrollment periods.
Frequently Asked Questions
What does a health insurance agent in Destin do?
A health insurance agent helps you compare plans from different carriers like Florida Blue or Cigna. They explain deductibles copays and out-of-pocket maximums. They also assist with applications and can answer questions about Florida-specific rules like the 60-day special enrollment window after losing other coverage.
Do I have to pay a fee to use a health insurance agent in Florida?
In most cases you do not pay a fee directly. Health insurance agents in Florida are typically compensated by the insurance company through commissions. Always confirm the payment arrangement before you start working with an agent.
Can a Destin health insurance agent help me with Medicare?
Yes many agents in Destin are licensed to sell Medicare Advantage plans Medicare Supplement plans and Part D drug plans. Florida has a large Medicare population so agents are experienced with annual enrollment periods and special enrollment rules specific to the state.
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