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We're committed to providing exceptional service to each of our clients. Health insurance is a necessity, and everyone deserves options that are both effective and affordable.
Our focus is on finding the best plan that fits your needs, lifestyle, and budget. With a variety of choices available, we work to ensure your coverage provides the protection and peace of mind you deserve.
We are proud to hold a Florida health insurance license (W340977) and remain fully insured and compliant with Center for Medicare and Medicaid Services (CMS) regulations. This ensures that we provide trusted, reliable, and regulated guidance to meet your health insurance needs.
We specialize in assisting Affordable Care Act (ACA) Marketplace and Medicare health insurance beneficiaries. Our goal is to help you save on doctor visits, prescription medications, and preventive health services while ensuring you have the coverage you need for peace of mind and better health.
If your employer doesn't offer complete health insurance plans, we can help find plans through the ACA Marketplace, and/or to cover short periods of time where you might otherwise be without coverage. Short-term medical (STM) plans can cover just a few months up to a full year, and have renewability options. Various details are important to understand to know what plan will provide the best coverage at the best rate.
Medicare Supplements work as a complement to Original Medicare, filling some of the "gaps" that Original Medicare doesn't cover. Monthly premiums cover the unexpected amount of deductibles, copayments and coinsurance portions of doctor and procedure bills. Knowing YOUR health care coverage is handled by a set budget amount gives you complete Piece of Mind.
Several private health insurance companies have available Medicare health insurance plans with low monthly premiums, that include various deductibles, copayments and coinsurance. Many of these insurance companies offer Medicare Advantage with Prescription Drug (MAPD) plans.
--> We'll help you find the plan that meets YOUR needs and anticipated usage.
Medicare health insurance beneficiaries can cover their prescription drugs through two (2) primary plan types - Medicare Advantage with Prescription Drug Plans (MAPDs) or stand-alone Prescription Drug Plans (PDPs). The MAPD plans are a combination of the private insurance company MA plans that include prescription drugs. The stand-alone PDPs are offered to those that do not have a MAPD or MA-only plan.
If your health insurance plan doesn't include Dental and/or Vision coverage, we can search our database of available plans to find a plan will meet your coverage and budget needs. Nationwide networks are available for several of these plans as well.
Contact us with your unanswered questions.
A deductible is an amount that you're responsible for in the event of a claim. This is the amount you pay out-of-pocket, and insurance covers the remainder.
The open enrollment period (OEP) for ACA Marketplace plans is generally November 1st through December 15th each year (2021 OEP has been extended, but coverage may be delayed), and STM plans can generally start at any time through the year, depending on your situation.
No. You can sign-up for Medicare health insurance coverage before your Social Security benefits begin.
There are generally three (3) opportunities to join, switch or drop a Medicare Plan: Initial Enrollment, Annual Enrollment and Medicare Advantage Open Enrollment - we'll explain each of these; just give us a call or send us an email request!
Give it to us - we'll explain the different programs, and shred any mail you don't want to keep!
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