Request An Affordable Care Act Quote!
Call today for quotes
on health insurance
for Medicare beneficiaries
or any other type of
health or life insurance!

Medicare-Eligibles call:

561-734-3884 (TTY: 711) 877-734-3884 (TTY: 711)

All Others:

786-970-0740 (CELL)

Request An Affordable Care Act Quote!
Call today for quotes on health insurance for
Medicare beneficiaries
or any other type of health or life insurance!

Medicare-Eligibles call:

561-734-3884 (TTY: 711) 877-734-3884 (TTY: 711)

All Others:

786-970-0740 (CELL)

Diabetic Life Insurance FAQ’s

01. What Is The Most Common Reason A Diabetic Is Declined For Coverage?

There are two: lack of control and applying to the wrong carrier. Both issues can be avoided with the right agent.

02. If There Are So Many Solutions Out There, Why Was I Declined Last Year?

Your agent might have unknowingly submitted your case to a carrier that doesn't take diabetics or applied to a carrier that you did not qualify for health-wise. We have very few declines because we know what is likely to issue before we ever send it in.

03. I Have Life Insurance Already. Why Should I Talk To You?

Because of widespread misconceptions in products and agent understanding, you may be paying more than you could or should be. We know where the best rates are and can quickly tell you whether the policy you have is a good deal compared to what we can do for you.

04. I Was Recently Told That I Cannot Get Coverage Because I Have Diabetes.

You were told wrong. This is pretty common. The person who told you that was probably trained that way. They may not know better.

05. Do Your Policies Have A Two Year Waiting Period?

In most cases, NO. Two year waiting periods apply to policies that are graded, modified or guaranteed issue. While we do offer those policies, the vast majority of what we offer does not require a 2-year wait.

06. Are These Guaranteed Issue Policies?

In most cases, NO. Most diabetics qualify for an immediate death benefit. We offer guaranteed issue products for clients with severe health issues but, happily, we don't have to resort to them very often.

07. I Heard That I Cannot Get Life Insurance Because I Take Insulin. Is This True?

No. This is a common misconception. Insulin use will not disqualify you in getting coverage from one of our specialty carriers.

HEALTH

DENTAL

MEDICARE

DISABILITY

LIFE

Schedule For 2025
Affordable Care Act Enrollment

Affordable Care Act open enrollment for 2025 plans began November 1, 2024 and ends January 15, 2025 on the Federal Facilitated Marketplace (https://www.healthcare.gov)

You DO NOT need a Qualifying Life Event to qualify.
There are no pre-existing condition limitations.

Call Us At 786-970-0740 (Cell)
to determine what kind of plan you may be eligible for.

2025 Annual Enrollment Period For Medicare Beneficiaries

Marketing for 2025 Medicare Advantage, Medicare Advantage Prescription Drug, and separate Medicare drug coverage (Part D) began October 1, 2024. Medicare beneficiaries can enroll in or change plans for 2025 by enrolling during the Annual Enrollment Period between October 15 and December 7 for a January 1, 2025 effective date. Individuals who want to keep their present plans, if they are available for 2025, do not need to submit enrollment applications. Individuals with terminating plans have until February 28 to enroll in a new plan but should enroll by December 31 to have a January 1, 2025 effective date. Except for individuals wishing to enroll in a Chronic Special Needs Plan, there are no health questions to qualify.

Medicare beneficiaries can enroll in a Medicare Supplement plan within 6 months of their Part A and B effective dates without answering health questions. Generally, individuals with Medicare Supplement plans can change plans at any time but in many cases will need to answer health questions to qualify. Individuals who have Medicare Advantage plans can enroll in Medicare Supplement plans during the Annual Enrollment Period but in most cases will have to answer health questions. There are special rules for individuals with “trial rights” or eligibility for guaranteed issue policies that don’t require answering health questions.

Call us at 561-734-3884 or 877-734-3884 (TTY: 711) for details.

Request An Affordable Care Act Quote!

We offer a comprehensive set of Affordable Care Act (“Obamacare”) plans

to individuals and families qualified to buy health (tax- and non-tax subsidized) insurance and dental/vision and/or hearing plans through the Federal marketplace (this is called buying “on-exchange” or “on-marketplace”) or directly from insurance carriers (this is referred to as buying “off-exchange or -marketplace”). Our Affordable Care Act policies comply with the Affordable Care Act and contain all of the “essential health benefits” required by that law.

We offer individual group health insurance plans

as an alternative to individual and family Affordable Care Act plans to those who can’t qualify
and/or who are looking for less expensive alternatives.

The dental/vision and/or hearing insurance

products are available both on an insured or discount basis

We offer short-term health insurance policies

for those who are looking for more inexpensive coverage and shorter term alternatives.

We offer Medicare Supplement, Medicare Advantage, and Part D Drug plans

to Medicare-eligibles. Our site is compliant with federal, state, and carrier guidelines in selling these policies. See the Medicare-eligibles section of this site for details.

We represent many carriers that offer supplemental benefits

to both individuals and families and Medicare beneficiaries, and the site contains information about hospital indemnity, cancer, critical illness, accident, and international medical insurance offered by many different carriers. This section of the site also contains valuable information and tools about lowering the cost of prescription medications. Call us if you want more information about or would like to enroll in one of these products.

We also offer Short- and Long-Term Disability products

and can also help you meet the costs of long-term care, nursing home, or short-term (recovery) care needs.

Finally, we have a complete array of Life, Final Expense, and Annuity products

and offer pre-need services in Florida, as we have both life insurance and pre-need licenses in that state.

You pay nothing for our services:

we’re paid directly from the carriers we represent, Premiums are NEVER EVER marked up to include paying us for our services: you pay the same whether you order directly from the carrier or the marketplace on your own or directly through us or from our site.

We ONLY offer alternatives that are suitable for you and for which we feel meet YOUR needs.
When or if we feel a product or service is not appropriate for you from either a cost or benefit point of view we will tell you so.

We’re fully compliant with privacy and security guidelines, have signed all required privacy and security agreements, have developed a privacy and security policy, and take extraordinary steps to safeguard your protected health and personal information.
In short, we’re experts in all aspects of health and life insurance and also have relationships with professionals who can help you with very specialized situations.

More choices
Lower rates!

Calculate your health Insurance cost!

Get Rates & Plans

Or call today!

561-734-3884 or 877-734-3884
(TTY 711)

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11632 Dove Hollow Avenue, Boynton Beach, FL 33437

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561-734-3884
or
877-734-3884 (TTY:711)

A licensed insurance agent contracted with multiple carriers offering Medicare Advantage
and Prescription drug plans each with a Medicare contract.
Enrollment depends on contract renewal.
Contact may be made by a licensed insurance agent or insurance company.

This is a solicitation of insurance. Contact may be made by an insurance agent or insurance company.
Not affiliated with or endorsed by any government entity or agency.

We do not offer every plan available in your area.
Currently we represent 19 organizations which offer 8 products in your area.
Any information we provide is limited to those plans we do offer in your area.
Please contact Medicare.gov or 1-800-MEDICARE (TTY: 1-877-486-2048)
24 hours a day, 7days a week, or your local State Health Insurance Program (SHIP)
to get information on all your options.