Lay's Insurance Agency

09/02/2026

Yesterday Carol got a sneak peek at what’s coming for 2027 at the Florida Blue conference! 💙

We can’t share all the details just yet 🤫 but when November 1st gets here, we’ll be ready to help you navigate the changes and find the coverage that works best for you.

08/29/2026

Health Insurance Open Enrollment for 2027 is only 2 months away!

For Florida Marketplace health insurance, Open Enrollment runs from November 1, 2026 through January 15, 2027.

This is your opportunity to enroll in coverage, review your current policy, compare new options, and make sure your health insurance still fits your needs and budget for the year ahead.

At Lay’s Insurance Agency, we help individuals and families understand their options instead of simply picking a plan based on the monthly premium.

We can help you look at your doctors, prescriptions, deductible, benefits, expected medical needs, and overall costs so you can make an informed decision for 2027.

Do not wait until the deadline. Contact us and start preparing for Open Enrollment today.

Learn more at:
www.panamacityhealthinsurance.com

08/28/2026

Great soap shop - smells amazing. Check them out and welcome to

08/27/2026

Health insurance Open Enrollment is coming up soon. Now is a great time to start thinking about your coverage for the year ahead instead of waiting until the last minute.

At Lay’s Insurance Agency, we help individuals and families compare their health insurance options, understand their benefits, and find coverage that fits their medical needs and budget.

Contact us now for a free consultation so we can get to know your situation and help you prepare for enrollment season.

Let us help make choosing health insurance simpler, clearer, and less stressful.

Learn more at:
www.panamacityhealthinsurance.com

08/25/2026

🚨 3 Costly Marketplace Mistakes I See

Health insurance can be confusing, and a few simple mistakes could end up costing you money.

✅ 1. Not reporting income changes.
A raise, job change, or change in hours could affect your financial assistance. Updating your income can help prevent surprises at tax time.

✅ 2. Waiting too long to report major life changes.
Getting married, having a baby, moving, or losing other health coverage may affect your eligibility or give you a limited time to enroll or make changes.

✅ 3. Not filing and reconciling your taxes.
If you received a Marketplace subsidy, it’s important to file your federal tax return and reconcile your premium tax credit. Failing to do so could affect your eligibility for financial assistance in future years.

The Marketplace doesn’t have to be overwhelming. A quick review can often help you avoid costly mistakes.

08/24/2026

🔎 Need to find a doctor who accepts your Florida Blue plan?

Because Florida Blue has several different provider networks, a doctor may accept Florida Blue—but not necessarily your specific plan.

The easiest way to check:

1️⃣ Go to FloridaBlue.com
2️⃣ Log in to your member account
3️⃣ Select Find Care or Find a Doctor
4️⃣ Search by the doctor’s name, specialty or type of facility
5️⃣ Use the filters to narrow the results by location, distance and other preferences

Logging in is important because the website will automatically search based on your specific plan and network.

Before scheduling, it is also a good idea to call the provider’s office and confirm that they are still accepting your exact Florida Blue plan—not simply “Florida Blue.”

Taking a few minutes to check before your appointment could help you avoid unexpected out-of-network costs!

Florida Blue offers affordable health insurance plans to individuals, families, and businesses. Explore our medical, dental, and Medicare health care plans.

08/22/2026

Think your health insurance automatically includes dental coverage?

Not always.

A lot of people are surprised to learn that standard health insurance and dental insurance are often separate, especially for adults. That can lead to unexpected out of pocket costs for cleanings, X rays, fillings, and other dental care.

We created a simple guide to explain how dental coverage works, when it may be separate from your health plan, and why it is important to understand the difference before you need care.

Read our guide here:
https://www.panamacityhealthinsurance.com/post/is-dental-insurance-included-in-health-insurance

At Lay’s Insurance Agency, we help individuals and families understand the full picture so they can choose coverage with fewer surprises.

Learn more at:
www.panamacityhealthinsurance.com

A lot of people assume dental insurance is automatically included with their health insurance. That is a very common misunderstanding, and it can lead to surprise out of pocket costs when it is time for a cleaning, X rays, fillings, or other dental treatment. The short answer is that dental insuranc...

08/21/2026

Currently uninsured?

Short-term health coverage may be an affordable option for healthy adults ages 18 to 64 who need temporary protection.

Plans can last from 30 days up to 364 days and may cost less than traditional health insurance. Medical underwriting is required, and health concerns from the past two years could affect approval or coverage.

Call to see whether a short-term plan may be a good fit for you.

📞 850-271-2710

08/21/2026

Happy birthday Techspresso!

08/20/2026

Need help finding the right health insurance in Florida?

At Lay’s Insurance Agency, we help individuals and families understand their options, compare coverage, and find a plan that fits their needs and budget.

Whether you are preparing for Open Enrollment, exploring Marketplace coverage, looking into Florida Blue options, or trying to understand supplemental plans, we are here to make the process easier.

Health insurance can be confusing. You do not have to figure it out alone.

Let Lay’s Insurance Agency help you find the right coverage with clear guidance every step of the way.

Learn more at:
www.panamacityhealthinsurance.com