Health Insurance
Jacksonville, Florida
Legislators, health agencies, state governments, insurance carriers, medical providers and representatives for the consumer are all proposing proactive strategies to make healthcare more accessible.
Optimal Savings
The best coverage for you and your family
We believe that everyone should have access to quality and affordable health care. We’ll shop around for you to get the best coverage possible.
We believe in educating our clients
Coverage Explained
If you have healthcare coverage through your employer, your plan’s administrator can explain how legal reforms impact your group coverage and may offer alternatives for you to consider that can help you control the cost of health insurance. If you own a small business, regardless of the number of employees, our agents will review all of your opportunities. In fact, by offering group health insurance, your business may be eligible for substantial tax credits. If you’ve lost your job and are presently uninsured, or insured through COBRA, we can explain your options for individual health insurance coverage. Although individual coverage requires you to pay the entire premium on your own, there are alternatives, such as raising deductibles or reducing secondary coverage, that can help you manage out-of-pocket expenses.
Purchasing health insurance may not be atop your list of things to do but finding the right group health insurance or individual health insurance policy to protect your financial future can easily be the most important thing you need to do. For professional answers to your questions, call us today or use this website’s convenient features for a prompt email response.
FAQ
Frequently asked questions
Choosing the right life insurance policy depends on your financial needs, goals, and your beneficiaries’ requirements. The main types of life insurance include term life insurance, which provides coverage for a specific period, and permanent life insurance, such as whole life or universal life, which offers lifelong coverage and may accumulate cash value. Consider factors like coverage amount, term length, premium cost, and the policy’s cash value growth potential. Consulting with a financial advisor or insurance professional can help you make an informed decision.
Yes, you can make changes to your life insurance policy, but the options depend on the type of policy you have. For term life insurance, you might be able to convert it to a permanent policy without undergoing a medical exam. For permanent life insurance, you may adjust the death benefit or premium payments, or even access the cash value, subject to the policy’s terms and conditions. It’s important to review your policy regularly and discuss any potential changes with your insurance provider to ensure it continues to meet your needs.