Welcome to E Policy Review - Your Trusted Source for Long Term Care Insurance and More in the Sunshine State!

Florida’s aging population is growing, and so is the demand for long-term care. Navigating the sea of insurance options can be daunting. E Policy Review is here to simplify the process, connecting you with the best long term care insurance providers in Florida.

Why Consider Long Term Care Insurance Providers in Florida?

In the vibrant landscape of Florida, a haven for retirees, the likelihood of requiring aid with everyday tasks like dressing, bathing, and eating escalates as we grow older. Long-term care insurance emerges as a vital asset in this scenario, providing a safety cushion that guarantees optimal care for yourself or your cherished ones, all while safeguarding your hard-earned savings.

E Policy Review: Your Florida Long Term Care Insurance Specialist

At E Policy Review, we understand the intricacies of long-term care insurance in Florida. Here’s how we stand out:
Expertise: Our experienced team is well-versed with Florida’s long-term care insurance market, ensuring you get the most comprehensive coverage at competitive prices.
Personalized Guidance: Every individual’s needs are unique. We offer tailor-made solutions, aligning the best insurance options with your specific needs and budget.
Trusted Providers: We have an established network of the most reliable long-term care insurance providers in Florida. This ensures you get policies that are financially sound and offer excellent care benefits.

E Policy Review’s Comprehensive Insurance Services

While long-term care insurance is vital for many Floridians, it’s just one facet of your financial security net. At E Policy Review, we offer a range of insurance and financial services tailored to protect you and your loved ones:

Employee Benefits

Securing and retaining talent hinges on providing competitive benefits. We specialize in assisting businesses in discovering tailored employee benefit packages, thereby prioritizing the well-being of their teams while effectively managing expenses.

Disability Insurance

Life is unpredictable. Disability insurance provides a steady income if you’re unable to work due to illness or injury, ensuring you maintain your standard of living.

Life Insurance

Secure your family’s future with the right life insurance. Whether it’s term, whole, or universal life insurance, we’ll guide you through your options and find a policy that aligns with your goals.

Individual Health Insurance

Your health is an invaluable asset. We assist individuals in finding the best health insurance policies, ensuring access to quality healthcare without financial strain.


Safeguard your retirement with annuities. We provide guidance on fixed, variable, and indexed annuities, helping you create a stable income stream for your golden years.

Long-Term Care Insurance

Beyond helping you select the perfect long-term care insurance policy, we offer continuous support, policy reviews, and assistance with claims.

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Join the E Policy Review Family

With E Policy Review, you’re not just getting an insurance broker – you’re gaining a partner committed to your well-being. Our team prioritizes your needs, ensuring you make informed decisions that secure your future and that of your loved ones.
For expert guidance on long term care insurance providers in Florida and other vital financial services in Florida, reach out to us. Let’s craft your secure tomorrow, together.

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.

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