Your Health Insurance Questions, Answered

  • What Types of Health Insurance Plans Do You Offer?

    We offer both Private and Governmental Insurance Plans, as well as Vision and Dental Insurance.

  • What Is a PPO Plan, and How Does It Differ From HMO/EPO?

    A PPO (Preferred Provider Organization) plan offers more flexibility in choosing healthcare providers and specialists without needing referrals. Unlike HMO (Health Maintenance Organization) or EPO (Exclusive Provider Organization) plans, PPOs generally allow you to see any doctor, including out-of-network providers, usually at a higher cost, while HMOs and EPOs require you to stay within a specific network and often require referrals for specialists.

  • Are Your Plans Available Outside of Florida?

    Yes, we are licensed in over 30 states nationwide!

  • Can I Get Coverage if I Have Pre-existing Conditions?

    Yes, we can help you find coverage options even if you have pre-existing conditions.

  • How Do I Know Which Plan Is Best for Me?

    Our skilled and fully trained staff provide free quotes and personalized assistance to help you select the health insurance plan that best fits your individual or family needs.

  • What Are the Biggest Differences Between These Types of Insurance Plans?

    ACA/Obamacare

    Best for those with pre-existing conditions or those needing maternity coverage. It is affordable if you are under the income threshold that qualifies you for government subsidies. If you aren't getting government assistance, it is extremely expensive. These plans are mostly high premium/high deductibles because anyone can get on them.


    Employer Plans

    Usually a good option for the employee due to a percentage off cost paid for by the employer.The downside is that the employer is not responsible for paying anything towards family add-ons. This causes the price to jump up significantly when adding family members and can get pretty costly because the family will be paying full price to be added to the plan.


    Private Insurance

    Generally offer a better selection of plans with better coverage. Private plans are customizable based on your health needs and basic demographic data.  Unlike government plans, they ARE NOT based on your income which can equate to much lower premiums versus full price government options.

  • What Are Health Insurance Prices Based on?

    Public Marketplace/ACA/Obamacare plans

    Based on income, zip code, and age. Provides protection without excluding pre-existing conditions.”


    ​Private plans

    Based on age, zip code and your specific health needs.  Don't assume every health plan will be fully comprehensive and protect you in an emergency. Short term, Limited Benefit and Cost Sharing plans can leave you financially exposed and have limited coverage. We specialize in full coverage plans that are priced based on your specific needs.

  • Do I Only Have the “Open Enrollment” Period to Be Able to Set Up Private Insurance?

    No. Private insurance is available year round!  Only the Public Marketplace/ACA/Obamacare plans have a specific enrollment period of November 1-December 15. However, both private and government plans can be cancelled at ANYTIME of the year allowing you flexibility to switch plans if you find something better!

  • Do You Only Work With Health Insurance? What About Dental, Vision, etc.?

    No! I can also write policies for dental, vision, life, supplemental, critical illness, accident, disability, etc. I have many trusted referral partners, so I am happy to guide you to one of them if you need something I can’t help with.