About Us

Our Commitment

Licensed, Insured and Compliant

We're committed to providing the best service to each of our Clients. Everyone needs effective and affordable health insurance. We focus on determining the best plan that's the right plan for You. We have many options to determine a plan that fits your lifestyle and budget.

Licensed, Insured and Compliant

Florida health insurance license W340977: insured and compliant with Center for Medicare and Medicaid Services (CMS) regulations.

Clients' Needed Coverage

Licensed, Insured and Compliant

Clients' Needed Coverage

We're focused on Affordable Care Act (ACA) Marketplace and Medicare health insurance beneficiaries. We can help You save on doctor visits, prescription medication and preventative health services.

What We Cover

ACA Marketplace / Off Marketplace / Short-Term Medical Plans

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 Supplement Plans ("Medigap")

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.

Medicare Advantage (MA) Plans (Medicare "Part C")

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.

Prescription Drug Plans (Medicare "Part D")

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.

Dental & Vision Plans

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.

Frequently Asked Questions

What is a deductible?

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.

When can I start an ACA Marketplace or STM plan?

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.

Do I need to start receiving Social Security benefits to be eligible for Medicare?

No. You can sign-up for Medicare health insurance coverage before your Social Security benefits begin.

When can I join, switch or drop a Medicare plan?

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!

What can I do with all this Medicare junk mail?

Give it to us - we'll explain the different programs, and shred any mail you don't want to keep!

Terwilliger Insurance Agency

Comprehensive Health Insurance coverage starts with a helping hand

Medicare Open Enrollment Period is almost here!

About Us

Our Commitment

Licensed, Insured and Compliant

Licensed, Insured and Compliant

Licensed, Insured and Compliant

Licensed, Insured and Compliant

Licensed, Insured and Compliant

Clients' Needed Coverage

Licensed, Insured and Compliant

Clients' Needed Coverage

What We Cover

ACA Marketplace / Off Marketplace / Short-Term Medical Plans

Medicare Supplement Plans ("Medigap")

Medicare Advantage (MA) Plans (Medicare "Part C")

Prescription Drug Plans (Medicare "Part D")

Dental & Vision Plans

Frequently Asked Questions

Terwilliger Insurance Agency

Comprehensive Health Insurance coverage starts with a helping hand

Medicare Open Enrollment Period is almost here!

About Us

Our Commitment

Licensed, Insured and Compliant

Licensed, Insured and Compliant

Licensed, Insured and Compliant

Licensed, Insured and Compliant

Licensed, Insured and Compliant

Clients' Needed Coverage

Licensed, Insured and Compliant

Clients' Needed Coverage

What We Cover

ACA Marketplace / Off Marketplace / Short-Term Medical Plans

Medicare Supplement Plans ("Medigap")

Medicare Advantage (MA) Plans (Medicare "Part C")

Prescription Drug Plans (Medicare "Part D")

Dental & Vision Plans

Frequently Asked Questions

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