Florida Insurance Agency

Welcome To E Policy Review: Your Premier Florida Insurance Agency

When it comes to securing your future, you want the best; the best advice, the best services, and the best policies tailored just for you. At E Policy Review, we understand the unique insurance needs of Florida residents, and we pride ourselves on being the premier Florida insurance agency that you can trust. As Florida’s leading insurance broker, we offer a suite of services to ensure that every facet of your life is well-protected.

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Why Choose E Policy Review?

Expertise in Florida’s Market: With years of experience under our belt, we understand the distinct challenges and opportunities the Florida insurance market presents. Our team of professionals constantly keeps an eye on the ever-evolving landscape to give you the most up-to-date advice.
A Holistic Suite of Services: Beyond just standard insurance, we offer a comprehensive range of services tailored to meet individual needs.

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Our Services as your Florida Insurance Agency Include

Employee Benefits

Retain your best employees with top-tier benefit packages. We work closely with businesses to craft employee benefits packages that not only offer great value but are also compliant with all state regulations.

Disability Insurance

In the unfortunate event that you or a loved one becomes disabled, our disability insurance policies ensure that you’re financially secure, letting you focus on recovery without the burden of financial stress.

Life Insurance

Protecting your family’s future is paramount. Our life insurance solutions ensure that your loved ones are well taken care of, even in the most unexpected situations.

Individual Health Insurance

Health is wealth, and we firmly believe in securing it. Our individual health insurance policies are designed to provide comprehensive coverage, ensuring you and your family can access the best healthcare without the hefty bills.

Annuities

Planning for retirement? Annuities are a fantastic way to ensure a steady income during your golden years. We offer a range of annuity options to fit your financial goals and retirement plans.

Long Term Care Insurance

As we age, the need for long-term care can arise. With our long-term care insurance, you’re prepared for any eventuality, ensuring that you receive the best care without the strain on your finances.

Customer-Centric Approach

At E Policy Review, our customers are at the heart of everything we do. Our dedicated team is always on hand to assist you, whether you’re choosing a policy, making a claim, or simply seeking advice. We believe in forming lasting relationships, and our commitment to service excellence is a testament to that.

Transparent and Ethical Practices

In an industry that’s often clouded by jargon and complexity, we strive for transparency. Our team takes the time to explain every policy detail, ensuring you’re well-informed before making any decisions.

Commitment to Value

We believe in offering the best value to our clients. By partnering with some of the top insurance providers in Florida, we ensure that you receive the best coverage at competitive prices.

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Featured Carriers

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Contact the Best Florida Insurance Agency Now

Taking the first step towards securing your future has never been easier. Whether you’re seeking individual coverage or exploring options for your business, our team is here to guide you every step of the way. Schedule a consultation with one of our expert advisors today, and embark on a journey to a secure and prosperous future.
Don’t leave your future to chance. With E Policy Review, you’re not just getting an insurance policy; you’re getting peace of mind. Contact us today to learn more about how we can help safeguard what matters most to you.

65 & Up Health Insurance

In September 2022, Medicare enrollment in Florida was 4,898,260, about 22% of the state’s population, compared to 19% nationally. Eligibility is at age 65 or due to disability. Around 10% of Florida’s beneficiaries are disabled, while 90% are 65+.
Medicare offers options like Advantage plans from private insurers or Original Medicare from the government, with coverage including hospital stays (Part A) and outpatient care (Part B). Medicare Advantage combines coverage with extras like dental and vision.
Enrollment periods include a fall window (Oct 15 – Dec 7) and an open enrollment period (Jan 1 – Mar 31) for changes. In fall 2022, over 53% of Florida’s Medicare beneficiaries chose private plans, mostly Medicare Advantage. Florida has a notable 46% nationwide enrollment in Advantage, led by Humana with 31% market share in 2022. (See Table Below)
Medigap Plans in Florida Medigap plans supplement Original Medicare, covering out-of-pocket costs like coinsurance and deductibles. The Florida Office of Insurance Regulation (FLOIR) offers a user-friendly website for comparing Medigap plan premiums by county. In 2020, around 913,759 Florida Medicare beneficiaries had Medigap coverage, though this number had decreased from the previous year due to the rise of Medicare Advantage enrollment.
Medigap Coverage in Florida for Those Under 65 Federal rules standardized Medigap plans and provide a six-month guaranteed-issue window for those turning 65 and enrolling in Original Medicare. Florida allows a similar window for residents under 65, starting from Medicare Part B enrollment. While premiums are higher for those under 65, they can switch to lower-cost plans at age 65.
Medicare Part D in Florida Original Medicare lacks prescription drug coverage, but beneficiaries can get it through Medicare Advantage, employer plans, or stand-alone Medicare Part D plans.
As of September 2022, about 1.4 million Floridians were in stand-alone Part D plans, and nearly 2.5 million had Part D integrated with Advantage plans. Stand-alone Part D enrollment dropped as Advantage plan enrollment rose.
2023 Part D Plans in Florida There are 23 stand-alone Part D plans in Florida for 2023, with premiums ranging from $8 to $170 per month. Enrollment occurs during the fall window (October 15 – December 7), also used for Medicare Advantage plans.

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Featured Carriers

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frequently asked questions

The Florida Health Insurance Marketplace, also known as the Health Insurance Exchange, is an online platform where residents of Florida can shop for and purchase health insurance plans. It was established as part of the Affordable Care Act (ACA) to provide individuals and families with access to affordable health coverage.
The Open Enrollment period typically runs from November 1st to December 15th. During this time, you can enroll in a new health insurance plan, renew your existing plan, or make changes to your coverage. It’s important to enroll during this period to ensure your coverage starts on January 1st of the following year.
You may qualify for a Special Enrollment Period (SEP) if you experience certain life events such as getting married, having a child, losing other health coverage, moving to a new area, or experiencing other qualifying circumstances. SEPs allow you to enroll in or change your plan outside of the standard Open Enrollment period.
The Florida Marketplace offers different levels of health insurance plans: Bronze, Silver, Gold, and Platinum. These plans vary in terms of cost-sharing and coverage. Bronze plans have lower premiums but higher out-of-pocket costs, while Platinum plans have higher premiums but lower out-of-pocket costs.
Yes, financial assistance in the form of Premium Tax Credits and Cost-Sharing Reductions is available for eligible individuals and families. These subsidies can help reduce monthly premium costs and lower out-of-pocket expenses like deductibles and copays.
You can use the Florida Marketplace’s online tools to calculate your eligibility for financial assistance. The calculation takes into account factors such as your household size, income, and location.
Medicaid is a government health insurance program for low-income individuals and families. As of my last update in September 2021, Florida had not expanded Medicaid under the ACA. However, policies and regulations can change, so it’s recommended to check for the most up-to-date information.
You can apply for health insurance through the Florida Marketplace by visiting the official website (HealthCare.gov) during the Open Enrollment period or a Special Enrollment Period. The website guides you through the application process and helps you find the best plan for your needs.
Yes, the Florida Marketplace has certified enrollment counselors, navigators, and agents/brokers who can provide in-person assistance. They can help you understand your options, complete your application, and select the right plan.
If you miss the Open Enrollment period and don’t qualify for a Special Enrollment Period, you may have to wait until the next Open Enrollment period to apply for coverage. In the meantime, you might consider short-term health insurance or other options to bridge the gap.

our client testimonials

I can't recommend E Policy Review enough for their exceptional life insurance and employee benefits services. As a small business owner, I was looking for a comprehensive package to offer my employees, and E Policy Review delivered beyond my expectations. Charles guided me through the entire process, helping me choose the right policies that perfectly fit our company's needs and budget.
Chad B
Chad B
The entire process was smooth and efficient, with their team providing constant support and timely updates. Doug truly cares about his clients' well-being and goes above and beyond to provide personalized solutions. Thanks to Doug and the team for getting me hooked up!
Lisa M
Lisa M
As a family looking for life insurance options and employee benefits, we were fortunate to come across E Policy Review. Their team's responsiveness and knowledge impressed us right from the start. Def make sure to reach out!
Terrance W
Terrance W

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