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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 Beneficiaries:
877-734-3884 (TTY: 711)
All Other:
786-970-0740 (CELL)
Request An Affordable Care Act Quote!
Call today for quotes on health insurance for
Medicare-eligibles
or any other type of health or life insurance!

Medicare-Eligibles:
877-734-3884 (TTY: 711)

All Other:
786-970-0740 (CELL)

Supplemental Health Insurance Plans

You can purchase a supplemental health insurance plan like hospital indemnity; critical illness; first diagnosis cancer; heart attack/stroke/cancer policies; accident coverage; and gap plans as additions to basic health insurance policies.

Maximum issue ages differ between carriers, states, and types of plan, but generally all these plans can issue up to age 65.

Eligibility is based on answering some health questions that vary between type of policy and carrier. Most of these policies are issued on what is called a "simplified issue" basis, which means that it's generally easier to qualify for these policies than for fully underwritten plans. However, accident policies and the Inpocket gap plan have no medical underwriting and are issued on a guarantee-issue basis.

Why One of These Policies Makes Sense

Depending on need, individuals and families under age 65 should consider one or more of these policies, as premiums are based on age, and younger people can buy policies at very attractive premiums. For example, families with children should consider an accident policy; and critical illness policies will provide income in case of a critical illness.

Hospital indemnity plans are excellent supplements to Affordable Care Act policies with high deductibles. (For example, buying a Bronze level Health Savings Account plan together with a hospital indemnity policy may be more affordable than buying a silver or higher metallic level plan that has a lower deductible.)

An Inpocket gap plan can reduce the out-of-pocket maximum on an Affordable Care Act plan except for office visit copays (or professional fees for in-office visits), prescription drugs, and items not covered under a particular Affordable Care Act plan. These are excellent plans to consider for those on Bronze or Silver Affordable Care Act plans who are not on Cost Sharing Reduction plans who would like to have lower out-of-pocket maximums but can’t afford Gold or Platinum plans.

Learn more about each of these types of plans by clicking on the applicable button below. Call us at 786-970-0740 (cell), as there are many alternatives, options, carriers, and types of plans available.


Schedule For 2024
Affordable Care Act Enrollment

Affordable Care Act open enrollment for 2024 plans began November 1, 2023 and ended January 16, 2024 on the Federal Facilitated Marketplace (https://www.healthcare.gov).

You’re eligible to enroll ONLY if you have a Qualifying Life Event.
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.


2024 Annual Enrollment Period For Medicare Eligibles

The Annual Enrollment Period for Medicare-eligibles that ran from October 15 through December 7, 2023 for a January 1, 2024 effective date has ended.

You’re eligible to enroll now ONLY if you’re first becoming eligible for Medicare or are eligible for another type of enrollment period. Enrollment rules differ between Medicare Supplement plans and Medicare Advantage, Medicare Advantage Prescription Drug, and separate Medicare drug coverage (Part D).

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

family consulting

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.

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, gap, 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
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Get Rates & Plans
Or call today!
877-734-3884 (TTY 711)