Turning 65 in Cullman? Your Mailbox Already Knows.
Forty plan flyers. Daily calls from out-of-state call centers. One decision that actually matters. Joey Pannell sorts it out with you in plain English — at your kitchen table if you want — and it never costs you a dime.
Annual Enrollment Period opens October 15
Get your plan review done before the rush — Joey has limited appointment slots.
Why Choose The Pannell Agency?
We're committed to making Medicare simple, stress-free, with plans to meet your unique needs.
Truly Independent Advice
We don't work for insurance companies — we work for you. We compare the Medicare plans available through the carriers we represent — Original Medicare options, Medicare Advantage, Medigap, and Part D prescription coverage.
Zero Cost to You
Our expert guidance is completely free. Insurance companies pay us directly, so you get professional help at no charge — ever.
Licensed Medicare Specialists
Our team consists of licensed insurance professionals who specialize exclusively in Medicare. We stay current on all plan changes and regulations.
Lifelong Support
We don't disappear after enrollment. Count on us for annual reviews, claims assistance, and answers to your Medicare questions — year after year.
Three Ways Joey Can Help This Week
No appointment needed. No sales pitch. Just answers.
Bring Me the Pile
Got a stack of Medicare mail you can't make sense of? Bring all of it. Joey will translate every flyer into plain English and tell you what matters and what's junk. No commitment, no pressure.
Call (256) 221-0417Free Prescription Cost Check
Tell Joey your prescriptions and your pharmacy, and he'll show you what each available plan would actually cost you per year. The flyers will never tell you this. Joey can in one conversation.
Call (256) 221-0417Free Second Opinion
Already enrolled? Joey will review your current plan in about 15 minutes and tell you honestly if it still fits — even if the answer is "stay put." No charge, no switch required.
Call (256) 221-0417Joey Comes to You.
Prefer to talk at your own kitchen table? Joey makes in-home visits across Cullman County and North Alabama — including Cullman, Hanceville, Good Hope, Vinemont, Holly Pond, Hartselle, and surrounding communities. No call centers, no waiting rooms — just a local agent who shows up.
If you'd rather meet by phone or video call, that works too. The point is you get to choose. Joey works around your schedule, not the other way around.
How to Reach Joey
- →Call or text: (256) 221-0417
- →Email: joeypannell@gmail.com
- →Office: 1904 Commerce Ave NW, Cullman, AL 35055
- →Hours: Mon–Fri, 9:00 AM – 3:00 PM CST
By calling or providing your information you agree to speak with a licensed insurance agent about Medicare Advantage, Part D Prescription Drug Plans or Medicare Supplements.
Insurance Plans We Help You Compare
We work with multiple carriers so you get unbiased guidance on the plan that fits your life — not a company sales quota.
Medicare Advantage (Part C)
Medicare Advantage plans bundle your hospital (Part A), medical (Part B), and usually prescription drug (Part D) coverage into one private plan. Premiums and extra benefits vary by plan, so we compare options side by side. Trade-off: you use a network of providers, and prior authorizations may be required for certain services.
Medicare Supplement (Medigap)
Medicare Supplement plans work alongside Original Medicare to cover the out-of-pocket costs Medicare doesn't pay — deductibles, coinsurance, and copays. With a Medigap plan you can see any doctor in the country who accepts Medicare, with no network restrictions and no referrals required.
Prescription Drug Plans (Part D)
Part D plans cover your prescription medications at retail and mail-order pharmacies. Every plan has its own drug formulary and cost structure, so choosing the right plan for your specific medications can save hundreds of dollars per year. We run a side-by-side comparison based on your actual prescriptions.
ACA Marketplace Plans
If you are not yet 65 or do not qualify for Medicare, we can help you find an Affordable Care Act (ACA) marketplace health plan. As an independent agent we compare options across multiple carriers — not just one company's lineup — to find the plan that fits your health needs and budget.
What This Costs You: Nothing. Here's Why.
Joey is paid by the insurance carriers, and he's paid the same no matter which plan you choose. That means his only incentive is finding the plan that actually fits you. You will never receive a bill, a fee, or an upsell from The Pannell Agency.
Why Working with an Independent Agent Matters
A captive agent represents one insurance company and can only sell that company's plans. An independent agent like Joey Pannell compares the Medicare plans available through the carriers we represent — Original Medicare options, Medicare Advantage, Medigap, and Part D prescription coverage — on your behalf.
- We represent multiple insurance carriers — not just one company's products.
- You pay the same monthly premium whether you enroll through us or go directly to the insurer.
- We can recommend a less expensive plan even if it means lower compensation for us.
- Our only goal is finding the right coverage for your situation, not hitting a company sales target.
The service costs you absolutely nothing. Insurance carriers compensate us directly, and your premium is identical whether you use an agent or enroll on your own. There is no reason not to use a licensed independent advisor. Learn more about Joey Pannell.
Based in Cullman, Alabama
Joey Pannell is based at 1904 Commerce Ave NW, Cullman, AL 35055. He serves clients in person across Cullman, Hanceville, Good Hope, Vinemont, Holly Pond, Hartselle, and surrounding North Alabama communities — including in-home visits for those who prefer to meet at their kitchen table.
Joey is licensed in Alabama, serving Cullman and North Alabama communities.
Licensed in:
Alabama
How It Works
Our simple 4-step process makes finding the right Medicare coverage easy and stress-free.
Free Consultation
Schedule a no-pressure conversation by phone or in-person. We'll discuss your health needs, current doctors, medications, and budget.
Personalized Analysis
We compare the Medicare plans available through the carriers we represent — Original Medicare options, Medicare Advantage, Medigap, and Part D prescription coverage.
Clear Recommendations
Receive easy-to-understand comparisons showing costs, coverage, and benefits. We'll explain the pros and cons of each option.
Simple Enrollment
Once you choose, we handle the paperwork and ensure you're enrolled correctly. We'll be here for ongoing support.
Common Medicare Questions, Answered
Plain-English answers to the questions we hear most often. Browse our full resource library →
Medicare Guides
Plain-English guides to every part of Medicare and the ACA Marketplace, written for folks in Cullman and across North Alabama.
Ready to Simplify Your Medicare?
Get your personalized Medicare plan comparison at no cost. Joey Pannell, licensed Medicare specialist, will review all available options and help you find a well-matched plan for your needs.
Call Us Directly
(256) 221-0417By calling this number or providing your information you agree to speak with a licensed insurance agent about Medicare Advantage, Part D Prescription Drug Plans or Medicare Supplements.
Office Hours
Monday - Friday: 9:00 AM - 3:00 PM CST
Closed Weekends
Service Area
Cullman, AL and surrounding North Alabama