Your Local Insurance Broker in Clearwater
Compare Medicare, ACA/Marketplace, Life Insurance, Final Expense, and Ancillary plans with an independent expert who knows the Clearwater market. Free, no-obligation consultations.
Why work with an independent broker in Clearwater?
Insurance isn't one-size-fits-all, and the plans available in Clearwater change every year. Working directly with one insurance company means you only see their plans. We show you everything.
- Unbiased AdviceWe represent 30+ top carriers, not just one. Our only goal is finding the right fit for you and your family.
- Local KnowledgeWe know which Clearwater doctors, hospitals, and pharmacy networks accept which plans — including providers across Pinellas County.
- All Products, One AgentFrom Medicare to Life Insurance to ACA, we handle every line of coverage so you never need multiple agents.
- Zero Cost to YouOur services are 100% free. You pay the exact same premium as if you called the carrier directly.
Insurance plans for every stage of life
We work with 30+ of the nation's top carriers to find a plan that fits your life and your budget in Clearwater.
Medicare Advantage
All-in-one Part C plans available in Clearwater that combine hospital, medical, and often prescription drug coverage — many include dental, vision, hearing, and fitness benefits at $0 premium.
Medicare Supplement (Medigap)
Medigap plans that work alongside Original Medicare to cover deductibles, copays, and coinsurance. See any doctor in Clearwater who accepts Medicare — no network restrictions.
Part D Prescription Drug
Standalone prescription drug plans that cover your medications. We compare formularies to find the plan that covers your specific prescriptions at the lowest cost in Pinellas County.
ACA / Marketplace
Affordable Care Act health insurance plans for individuals and families in Clearwater who don't have employer coverage. We help you maximize subsidies and find the right metal tier.
Life Insurance
Term, Whole Life, and Final Expense policies to protect your family's financial future. We offer no-exam options and guaranteed issue policies for Clearwater residents of any age.
Final Expense
Whole life policies designed to cover funeral and end-of-life costs in Clearwater. Easy approval, no medical exam, and guaranteed acceptance for seniors.
Dental & Vision
Standalone dental and vision plans that complement your health coverage. Affordable monthly rates for Clearwater residents — from cleanings to major dental work.
Ancillary Plans
Hospital indemnity, critical illness, short-term disability, and accident coverage to fill the gaps in your primary insurance. Protect your income and savings in Clearwater.
How it works in Clearwater
Book a Free Consultation
Schedule a 30-minute phone or in-person meeting with a licensed Clearwater agent. No pressure, no obligation.
Compare Plans Side by Side
We review your doctors, medications, and budget to find the best plans from 30+ carriers available in Pinellas County.
Enroll with Confidence
We handle the paperwork and enrollment. You get the right coverage at the right price — and ongoing support year-round.
Clearwater Insurance FAQ
What insurance plans does Health Plus One offer in Clearwater?
We help Clearwater residents compare and enroll in Medicare Advantage, Medicare Supplement (Medigap), Part D prescription drug plans, ACA/Marketplace health insurance, Life Insurance (Term, Whole Life, Final Expense), and Ancillary plans including dental, vision, hospital indemnity, and critical illness coverage.
Does Health Plus One charge fees for insurance consultations in Clearwater?
No. Our services are completely free to you. As independent brokers, we are compensated by the insurance companies when we help you enroll. You never pay more for your insurance by working with us.
Can Health Plus One help me compare Medicare plans in Pinellas County?
Yes. We work with 30+ top carriers and know which Clearwater doctors, hospitals, and pharmacy networks accept which plans. We compare Medicare Advantage, Supplement, and Part D options side by side so you can choose with confidence.
When can I enroll in Medicare in Clearwater?
Your Initial Enrollment Period begins 3 months before your 65th birthday month and ends 3 months after. The Annual Enrollment Period runs October 15 – December 7 each year. Special Enrollment Periods may apply if you lose coverage or move.
Also serving nearby communities
Ready to review your Clearwater insurance options?
Talk to a licensed agent today. No-obligation consultation, no commitment required.