The top-rated supplemental insurance agent in Winter Haven, Florida is Rob Semans - State Farm Insurance Agent, rated 4.9 stars across 984 reviews. Other highly rated options include Team Barfield - Barfield Insurance, Acceptance Insurance, Freeway Insurance. This directory lists 19 supplemental insurance agents serving Winter Haven.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Rob Semans - State Farm Insurance Agent | 639 1st St S | (863) 299-1274 |
| 2 | Team Barfield - Barfield Insurance | 141 5th St NW #302 | (863) 662-3134 |
| 3 | Acceptance Insurance | 910 Havendale Blvd NW #134 | (863) 733-7006 |
| 4 | Freeway Insurance | 1136 6th St NW | (863) 733-7003 |
| 5 | Barfield Insurance & Financial Services Inc. | 110 Spirit Lake Rd Unit 5 | (863) 293-5400 |
| 6 | Karen Bryan - State Farm Insurance Agent | 391 Ave A SW | (863) 268-2800 |
| 7 | Total Care Consultants Llc | 1503 Havendale Blvd NW | (863) 268-2972 |
| 8 | GreatFlorida Insurance: Brock Schnabel | 5658 Cypress Gardens Blvd | (863) 594-2600 |
| 9 | American Insurance Inc | 3610 Havendale Blvd | (863) 965-2886 |
| 10 | White Chip Insurance – Winter Haven | 1217 6th St SW | (863) 342-6723 |
Rob Semans - State Farm Insurance Agent serves the Winter Haven, Florida area as a supplemental insurance agent. The agency provides policies designed to cover gaps that major medical plans leave behind. Typical supplemental insurance options help clients manage out-of-pocket costs from accidents, hospital stays, or critical illnesses. These plans can offer cash benefits directly to policyholders for expenses like deductibles or lost wages. The agency handles Accident and Critical Illness insurance plans for residents seeking added financial protection.
Team Barfield - Barfield Insurance provides supplemental insurance agent services in the Winter Haven area, specializing in policies that fill gaps left by major medical coverage. Their available plans include accident, critical illness, and disability insurance options designed to cover out-of-pocket costs. They offer ongoing policy service reviews to adjust coverage as client needs change over time. This independent agency services both individual clients and local businesses, including single-family homes, apartments, retail shops, and restaurants.
Unlike one-time insurance purchases that cover a single transaction or event, Acceptance Insurance in Winter Haven, Florida provides ongoing supplemental coverage designed to fill gaps left by primary health or life policies. These plans help manage out-of-pocket costs such as deductibles and copays, ensuring greater financial protection for local residents facing medical expenses or unexpected illnesses. Operating in the Supplemental Insurance Agent category, the agency structures its service on an as-needed basis, allowing clients to adjust their coverage when their healthcare needs or budgets change.
Freeway Insurance serves homeowners, businesses, and property managers in Winter Haven, Florida, who seek supplemental insurance coverage for gaps left by standard policies. The agency provides access to various plans designed to help clients manage deductibles and unexpected expenses not covered by primary insurance. Its office offers personalized guidance to residents and commercial clients evaluating their specific risk exposure. The company also extends its supplemental insurance agent services to nearby communities within the greater Lakeland metro area.
Barfield Insurance & Financial Services Inc. serves Winter Haven and the surrounding Polk County communities, providing supplemental insurance coverage to local residents. This agency handles policies that help fill gaps left by major medical plans, such as accident, critical illness, and hospital indemnity plans. To serve its clients, it typically begins with a thorough review of an individual’s existing health coverage to identify specific needs, then presents options from multiple carriers. It follows up with clear explanations and regular policy reviews to ensure continued fit.
At Karen Bryan - State Farm Insurance Agent in Winter Haven, FL, clients choose between one-time policy setups for single needs or recurring coverage adjustments for ongoing protection. Supplemental insurance helps fill gaps left by major health plans, covering unexpected costs such as deductibles or copays. Policies address specific scenarios like accidents or critical illness. This agency focuses on helping individuals avoid financial strain from uncovered medical events. Service is available on a scheduled basis, with annual reviews or policy modifications arranged as needed to keep coverage relevant.
Total Care Consultants Llc specializes in supplemental insurance plans that help cover gaps left by primary health coverage. It serves residents of Winter Haven, FL, by offering policies designed to manage out-of-pocket medical costs, including copays, deductibles, and unexpected expenses not fully addressed by Medicare or group health plans. The company assists clients with their benefits during open enrollment periods and when life events occur, helping them adjust coverage as their healthcare needs change.
Winter Haven’s seasonal storms and unexpected health needs often leave gaps that standard policies do not fill. GreatFlorida Insurance: Brock Schnabel addresses these coverage shortfalls by specializing in supplemental insurance plans for local residents. The agency helps clients evaluate their existing health or life insurance to identify where additional support may be beneficial. Personalized consultations focus on policies that cover deductibles, copays, or other out-of-pocket expenses. Before any recommendations are made, an initial assessment of individual coverage gaps is conducted through a thorough review of current paperwork.
American Insurance Inc provides supplemental insurance solutions to individuals and businesses in the Winter Haven, Florida area. The agency focuses on offering add-on policies that help cover expenses not addressed by standard health or life plans, such as accident, critical illness, or hospital indemnity benefits. These policies aim to support clients financially during unexpected medical events. The company can serve commercial sectors including offices, warehouses, and food service establishments, tailoring coverage options to fit different workplace and operational needs.
What Does a a Supplemental Insurance Agent in Winter Haven Cost?
Supplemental insurance costs in Florida vary by plan type age and health status. Medigap plans in Winter Haven typically range from 100 to 300 dollars per month for a 65 year old. Medicare Advantage plans often have low or zero monthly premiums but include copays and deductibles. This is general information not insurance advice.
About supplemental insurance agents in Winter Haven
Supplemental insurance agents in Winter Haven Florida help residents find plans that cover gaps in Medicare or employer health coverage. Florida law requires agents to be licensed by the state and to follow strict disclosure rules. Many Winter Haven agents specialize in plans for retirees and seasonal residents.
Frequently Asked Questions
What is a supplemental insurance agent in Winter Haven?
A supplemental insurance agent is a licensed professional who helps you buy Medigap Medicare Advantage or other private health plans. They can explain how Florida insurance laws affect your coverage options. Agents in Winter Haven often work with local carriers like Florida Blue or Humana.
Do I need a separate agent for supplemental insurance in Florida?
You can buy supplemental insurance directly from a company but an agent can compare multiple plans for you. Florida allows agents to charge fees or earn commissions from insurers. Using an agent does not usually cost you extra.
What Florida laws apply to supplemental insurance agents?
Florida Statute 626.112 requires all insurance agents to hold a valid license. Agents must also follow the Florida Insurance Code which includes rules on advertising and disclosure. For Medicare supplements Florida has a six-month open enrollment window when you first turn 65.
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