Long Term Care Insurance Companies In Florida

Your Premier Choice For Long Term Care Insurance Companies In Florida and More

Welcome to E Policy Review, where we’re dedicated to safeguarding your tomorrow. Nestled in the heart of the Sunshine State, we specialize in helping residents navigate the multifaceted world of insurance. At the forefront of our services is our expertise in long term care insurance companies in Florida, tailored specifically for residents. Read on to understand how we champion the cause of securing your future.

Florida’s Long-Term Care Insurance Experts

Florida boasts one of the highest proportions of elderly residents in the nation, making long-term care insurance crucial for many. This insurance is designed to cover personal and custodial care for those needing assistance with daily living activities. Whether you are planning ahead or addressing immediate needs, E Policy Review is your trusted partner in this endeavor.

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Why Choose Long Term Care Insurance Companies in Florida?

Coverage When You Need It Most: Long-term care insurance assists in covering costs that aren’t typically covered by health insurance, Medicare, or Medicaid. This includes assistance in everyday activities like bathing, eating, or dressing.
Protect Your Assets: Without proper coverage, the high costs of long-term care can quickly deplete your savings. Insurance helps to protect your assets and ensures that you get the care you need without financial strain.
Peace of Mind: Secure your future with the confidence that, should you require extended care, your expenses are covered, and your loved ones won’t bear the financial burden.


We’re partnered with the leading long-term care insurance companies in Florida, ensuring you get comprehensive coverage options at competitive prices.

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Holistic Insurance Solutions with E Policy Review

While long-term care insurance is one of our specialties, E Policy Review offers an extensive range of insurance brokering services tailored to meet individual and corporate needs.

Employee Benefits

Foster a thriving workplace environment by offering comprehensive benefits to your employees. From health and dental to retirement plans, we facilitate packages that attract and retain talent.

Disability Insurance

Unforeseen events can challenge our ability to earn. Our disability insurance solutions are designed to offer a safety net, ensuring you maintain your standard of living even when faced with unexpected incapacities.

Life Insurance

Leave behind a legacy, not liabilities. Our life insurance policies ensure that your loved ones remain financially secure, cushioning them against the uncertainties of life.

Individual Health Insurance

Your health is your wealth. We provide individual health insurance plans tailored to your unique needs, ensuring you and your family are always protected against unforeseen medical expenses.

Annuities

Secure your retirement with annuities that offer a steady income stream. Let us guide you through fixed, variable, and indexed annuities to find the best fit for your retirement planning.

Long-Term Care Insurance

As highlighted, our expertise lies in crafting long-term care insurance plans that offer you coverage when you most need it.

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Why E Policy Review for Long Term Care Insurance Companies in Florida?

Personalized Approach: Every individual and business is unique. We dedicate ourselves to understanding your specific needs, ensuring the solutions we offer are tailor-made for you.


Reputable Partnerships: Our collaboration with leading insurance companies in Florida guarantees that you receive top-tier policy options.


Experienced Team: Our team of seasoned experts is committed to guiding you through every step, from understanding your needs to finalizing the best policy for you.


Transparency: With E Policy Review, there are no hidden charges or surprises. We believe in open communication, ensuring you are well-informed about all aspects of your policy.


Customer-Centric: Your peace of mind is our priority. We’re always here to support, answer questions, and make your insurance journey smooth and hassle-free.

Featured Carriers

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Take the Next Step with E Policy Review

Your future deserves the best. With E Policy Review, you not only get the finest insurance solutions but also a partner that genuinely cares about your well-being. Whether you are exploring long-term care insurance or any of our other services, trust that with us, you’re in safe hands.
Reach out today and let’s embark on the journey of securing your tomorrow.

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!
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