About Joey Pannell
An independent Medicare advisory serving Cullman and North Alabama — at no cost to clients.
Our Story
The Pannell Agency is an independent Medicare advisory based in Cullman, Alabama. Joey Pannell is not employed by any insurance company and does not represent any single carrier's products.
That independence means one thing for clients: the recommendation you get is based entirely on what fits your health needs and budget — not on a company sales target.
Joey compares Medicare Advantage, Medicare Supplement, Prescription Drug, and ACA marketplace plans across multiple carriers to find the right fit for each client's unique situation.
Licensed in Alabama
From Building Fences to Building Trust
Joey Pannell is Cullman born and raised. Before insurance, he spent 18 years running his own contracting business, building fences across North Alabama with his own hands. The work taught him one thing: do it right, stand behind it, and your name is everything in a small town.
Six years later, Joey runs The Pannell Agency the same way he ran job sites: show up, explain things straight, and never sell somebody something they don't need. His advice costs clients nothing, ever — carriers pay him the same no matter which plan a client chooses, so the only thing that drives his recommendation is what fits the client.
Credentials and Licensing
- National Producer Number (NPN):19365784
- AHIP Certified
- NABIP Board Member
- Licensed In:Alabama
- Status:Independent agent representing multiple carriers, not employed by any insurance company
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.
Our Mission
"To empower Alabama seniors with the knowledge and support they need to make confident Medicare decisions, ensuring access to quality healthcare without financial stress."
Meet Our Team
Licensed Medicare professionals dedicated to serving you.
Joey Pannell
Founder & Licensed Medicare Advisor
Joey Pannell founded The Pannell Agency to help Alabama seniors navigate Medicare with confidence and clarity.
Our Values
The principles that guide everything we do.
Integrity
We provide honest, transparent advice — even if it means recommending a less expensive option.
Expertise
Continuous education keeps us informed about every Medicare plan change and healthcare regulation.
Accessibility
We're available when you need us — by phone, email, video call, or in-person meetings.
Advocacy
We fight for your best interests, helping with claims issues and plan changes throughout the year.