Health Insurance

Health insurance in today's market can be very confusing.  With all the changes in government your health insurance options are changing.  Every county has different plans available so its important to make sure you are shopping for the best options in your area. You can visit www.healthcare.gov to see what options you have available.  Or you can contact us and we can do the shopping for you.  

Todays Health Insurance Options

Choosing a health insurance plan can be complicated. Knowing just a few things before you compare plans can make it simpler.
  • The 4 “metal” categories: There are 4 categories of health insurance plans: Bronze, Silver, Gold, and Platinum. These categories show how you and your plan share costs. Plan categories have nothing to do with quality of care.  
  • Your total costs for health care: You pay a monthly bill to your insurance company (a "premium"), even if you don’t use medical services that month. You pay out-of-pocket costs, including a deductible, when you get care. It’s important to think about both kinds of costs when shopping for a plan.
  • Plan and network types — HMO, PPO, POS, and EPO: Some plan types allow you to use almost any doctor or health care facility. Others limit your choices or charge you more if you use providers outside their network.

Find out if you get a tax credit to lower your payments. 
Use this quick tool to see if your income estimate falls in the range for a premium tax credit and lower out-of-pocket costs. The type of savings you qualify for may affect which plan category is the best fit for you.

Other Health Insurance Options

Contact Us About
Health Insurance:

(863) 226-5044
2298 Lakeland Hills Blvd
Lakeland, FL 33805
Click Here to Email Us
Short Term Insurance*

Short-term medical insurance is not guaranteed-issue and is a temporary health insurance plan designed for people who are without health insurance and are waiting for longer term, major medical insurance coverage.  Short term insurance plans may give you the protection you need and save you money over today's traditional insurance plans.  We can shop these plans and see if this would be a good option for you.  

Short Term insurance may be for you if you're:
  • Unable to apply for Affordable Care Act (ACA), also called Obamacare, coverage because you missed Open Enrollment and you don't qualify for Special Enrollment
  • Waiting for your ACA coverage to start
  • Looking for coverage to bridge you to Medicare
  • Turning 26 and coming off your parent's insurance
  • Between jobs or waiting for benefits to begin at your new job
  • Healthy and under 65
  • You have a higher income and the ACA is very expensive
For these situations and many others, Short Term health insurance might be right for you.  It can fill that gap in coverage until you can choose a longer term solution.

​Contact us today to find out more. 

Indemnity Plan*

An Indemnity plan is a fixed-benefit plan that provides coverage for out-of-pocket expenses incurred due to medicare care.  This type of plan offers affordable coverage with simple, straight-forward benefits and easy enrollment options.  You can design your coverage by selecting a plan that will fit your situation and budget.

Plan Highlights
  • Plans do not have open enrollment periods; you and your family can apply for coverage at any time for the year
  • The plan pays the fixed-benefit amount you select, regardless of the amount charged by providers
  • You have flexibility to choose any doctor or hospital in the United States, plus additional cost savings available when you choose a provider that is in-network
  • Plans are guaranteed renewable; you and your family cannot be singled our for a rate increase or cancellation based solely on changes to your health
  • Coverage is offered by insurance companies with and A rating by A.M. Best​

*Short term and indemnity plans are not a substitute for minimum essential coverage required by the affordable care act.  Lack of major medical coverage may result in an additional payment with your taxes.