About Our Safety Harbor Health Insurance Agency
We look at what you already have before we suggest anything. We read your current plan, check your doctors and your budget, then tell you plainly what fits and what doesn't. We are a licensed independent insurance agency, so we compare plans from more than one carrier.
Why We Start With a Look, Not a Pitch
Most people who reach us already have some coverage. Or they had it until a job ended, a child turned 26, or the premium jumped at renewal. What they want first is a straight answer about where they stand. A sales pitch doesn't give them that.
So the first thing we do is review. We go through your summary of benefits line by line. We note the deductible, the out-of-pocket maximum, and what you pay for an office visit or a specialist. We check whether the doctors you see are in the plan's network. Then we lay out what we found in plain words, before we bring up a single new plan.
Sometimes the finding is that your plan is fine. When that happens, we tell you, and you keep it. The review doesn't cost you a cent. Our pay comes from the insurance company whose plan you end up picking, never from your pocket. So we have no reason to push a change you don't need.
How We Work With Clients
Your current plan comes first
Before we compare anything, we read what you have now. You'll know what your coverage really does and where the gaps are.
Findings in plain words
We skip the jargon. If your deductible is high for how often you see a doctor, we say so. If your network leaves out your doctor, you hear it from us first.
More than one carrier
Because we are independent, we aren't tied to one company. When a change makes sense, you get side-by-side plan options from multiple carriers, with the premium, deductible and network laid next to each other.
No fee for the consultation
Sitting down with us is free, and there's no pressure to enroll. You decide on your own time.
Where and How We Meet
We work with clients in Safety Harbor and nearby towns like Clearwater, Oldsmar, Dunedin and Palm Harbor. You can sit down with us at our office, or we can go over everything by phone or video if that's easier.
We help with individual health insurance, family health insurance, ACA marketplace plans, and dental, vision and accident insurance. Open enrollment is the busiest time, so starting the review a few weeks early gives you room to compare plans without a rush.
- Safety Harbor
- Clearwater
- Oldsmar
- Town 'n' Country
- Largo
- Palm Harbor
- Dunedin
- East Lake
- Citrus Park
- Westchase
- Belleair
Have Us Look at Your Coverage
Have your current plan papers nearby when you reach us, or just tell us what you know. We'll go through it with you and explain what we find.