Medicare Insurance Agency - Pensacola Escambia County, FL

Floridainsuranceguide.com is owned and operated by Policy Guide, Inc., a Medicare insurance agency based in Pensacola, Florida. While we’re licensed in more than 40 states, Florida is our home, and we are especially proud to serve our neighbors throughout Escambia and Santa Rosa counties.

From the heart of Pensacola to the growing communities of Milton, Gulf Breeze, and Navarre, our mission is simple: to help people confidently navigate their Medicare choices with honesty, clarity, and personal attention.

Our Mission

We believe that choosing a Medicare plan shouldn’t feel overwhelming or confusing. That’s why we’ve built our approach around genuine connection and education. Every client conversation begins with listening first - understanding your unique needs, lifestyle, and goals - before making any recommendations. We treat each client like family, offering transparent guidance and support every step of the way.

How We Help You Find the Right Medicare Plan

We use a step-by-step, fact-finding process that puts your needs at the center:

1. Understanding Your Situation
   We ask thoughtful questions about your doctors, preferred hospitals, prescription medications, budget, and comfort level with out-of-pocket expenses. In Escambia and Santa Rosa, this often includes making sure clients’ providers at Ascension Sacred Heart, Baptist Health, or Santa Rosa Medical Center are covered.
2. Matching Plans to Your Needs
   With your information, we compare options side by side:
   • Medigap plans (like Plan G and Plan N) for predictable costs and nationwide provider access.
   • Medicare Advantage plans for those seeking lower premiums and willing to work within a local network.
   • Prescription drug coverage (Part D) tailored specifically to your medications.
3. Explaining in Plain English
   We don’t believe in jargon or high-pressure sales. Our goal is to make sure you truly understand how each option works and why it fits your needs.
4. Ongoing Support
   Medicare needs change over time. We stay in touch during Annual Enrollment and whenever life events create new opportunities to update your coverage.

Licensed Professionals You Can Trust

All of our agents maintain valid licenses in the states where they serve. For verification, you can always request their license numbers.

• Matt Kiggins: Resident 2–15 Florida Health & Life (including Annuities & Variable Contracts) Agent License – License #P116762 (Issued 10/1/2007).
• Mark Prip and Matt Kiggins: Licensed insurance agents who also oversee content production for this site, ensuring the information we provide is both accurate and easy to understand.

Why Local Matters

Because we live and work in the Florida Panhandle, we know the healthcare landscape here firsthand. Whether you’re in downtown Pensacola, Gulf Breeze, Pace, Navarre, or Milton, we understand which hospitals and networks are most relevant to your care. That local knowledge, paired with over a decade of Medicare expertise, helps ensure the plan you choose truly works for you.

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Lines of Authority

Below is a list of our active Florida licenses: