Health Insurance Agent Florida

E Policy Review: Your Premier Health Insurance Agent In Florida

Welcome to E Policy Review! Nestled in the heart of the Sunshine State, we are committed to simplifying the intricate world of insurance for you. As your dedicated health insurance agent in Florida, we’re here to guide you through the maze of policies, premiums, and paperwork, ensuring you get the coverage you truly need.

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Why Choose E Policy Review for Health Insurance in Florida?

Expertise and Experience: With years of service in the Florida insurance market, our agents have developed an in-depth understanding of the state’s unique healthcare landscape. We leverage this expertise to tailor insurance plans that suit your individual needs and budget.
Comprehensive Coverage: At E Policy Review, we believe in offering you the full spectrum of health insurance options. From HMOs to PPOs, high deductible plans to comprehensive ones, we find the best fit for you.
Transparent Consultation: We prioritize your health and financial wellness over everything. With no hidden fees or terms, we ensure you understand every aspect of your chosen policy.
Personalized Support: Every Floridian has different health needs. That’s why we focus on individualized consultations, assessing your specific situation and recommending solutions accordingly.

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More Than Just Health Insurance

While health insurance is a crucial element of your well-being, at E Policy Review, we understand that your insurance needs are multifaceted. That’s why we offer a wide array of solutions utilizing the best health insurance agent in Florida to cater to various aspects of your life:

Employee Benefits

A motivated workforce is the backbone of a successful business. We help companies design comprehensive employee benefits packages that not only attract top talent but also retain them. From health insurance to retirement benefits, we’ve got you covered.

Disability Insurance

Uncertainties in life can arise unexpectedly. Our disability insurance solutions ensure you’re financially secure if an injury or illness prevents you from working. With E Policy Review, peace of mind is a policy away.

Life Insurance

Life is unpredictable, but ensuring the financial well-being of your loved ones doesn’t have to be. From term to whole life policies, our expert agents guide you in choosing the right life insurance to protect your family’s future.

Individual Health Insurance

Not covered by an employer’s plan or seeking additional coverage? Our individual health insurance plans are tailored to safeguard your health without burning a hole in your pocket.

Annuities

Planning for retirement is essential. With our annuities, you can secure a consistent income stream post-retirement, helping you live your golden years with dignity and comfort.

Long Term Care Insurance

Aging is a part of life, and with it come challenges that can be daunting. Our long-term care insurance solutions are designed to assist you with the costs associated with assisted living or home care, ensuring you get the care you deserve without straining your finances.

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Why Florida Trusts E Policy Review

Florida’s diverse demographics and healthcare needs require an insurance agent that understands its nuances. E Policy Review has been at the forefront of delivering tailored insurance solutions to Floridians, always putting their needs first.
We’re not just another insurance broker. We’re your partner in ensuring you and your loved ones are protected, no matter what life throws your way.

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Contact your Health Insurance Agent in Florida

Navigating the world of insurance can be daunting, but you don’t have to do it alone. With E Policy Review by your side, rest assured that you’re in expert hands. Whether you’re exploring health insurance options or seeking to protect your future with life insurance or annuities, we’re here to guide you every step of the way.
Connect with our expert health insurance agents in Florida today and discover a world where your insurance needs are met with expertise, care, and dedication.

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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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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