Florida Supplemental Insurance Calculator

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

The Annual Enrollment Period (AEP) for enrolling in plans effective January 1, 2025 has ended. The AEP runs from October 15 to December 7 annually.

Enrollment in a Medicare Advantage, Medicare Advantage Prescription Drug, or stand-alone Part D Drug plan can now occur ONLY if a Medicare beneficiary is eligible for another election period [e.g., the Individual/Individual Coverage Election Period (ICP or ICEP)] when first becoming eligible for Medicare; a Special Election Period (for those who experience qualifying life events like an involuntary termination of their existing plan, moving outside of the plan’s service area, losing or becoming entitled to Medicare or Extra Help, declaration of a weather related emergency, etc.), or the Open Enrollment Period. Except for individuals desiring 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 with Medicare Advantage plans can enroll in Medicare Supplement plans during the Annual Enrollment Period or Open Enrollment Periods 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 association group health insurance plans

to those who can qualify and are looking for less expensive alternatives to Affordable Care Act plans.

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 coverage for a maximum of four months.

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.

First Name
Last Name
Email
Phone
State
Zip Code
Gender	Male Female
Date of Birth
Height	ft inch
Weight
What Type Of Supplemental Health Plan Do You Want?

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Do you have a spouse?	Yes No
Spouse Name
Gender	Male Female
Smoker?	Yes No
Date of Birth

Do you have children?	Yes No
Child 1
Full Name
Gender	Male Female
Smoker?	Yes No
Date of Birth
Child 2
Full Name
Gender	Male Female
Smoker?	Yes No
Date of Birth
Child 3
Full Name
Gender	Male Female
Smoker?	Yes No
Date of Birth
Child 4
Full Name
Gender	Male Female
Smoker?	Yes No
Date of Birth
Child 5
Full Name
Gender	Male Female
Smoker?	Yes No
Date of Birth


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Tobacco Use
Disabled
Diabetes
Diabetes Type
Diabetes Control
Latest A1C Rating

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Do You Take Any Medications?
Below, please list medical conditions one per line, and their corresponding medications and dosages. Conditions Medications/ Dosage or Units/ Frequency.
Please provide details about conditions you are currently being treated for as well as those you've been treated for in the last three years. Include hospitalizations, surgeries and include relevant details. Be as specific as possible.
If you previously have had cancer (except for basal cell carcinoma), a heart attack, or stroke, please provide complete details, including date of diagnosis and details of treatments and current health status.

How did you hear about us?
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