Terms and Conditions

Using This Site

This website belongs to Private Health Insurance Safety Harbor, an agency working with clients in Safety Harbor, FL and the surrounding area. By reading it, you agree to these terms. If you do not agree, please stop using the site.

The terms are short on purpose. The site is here to explain what we do and how to reach us. Nothing more.

General Information, Not a Quote

The pages on individual health insurance, family health insurance, ACA marketplace plans, dental insurance, vision insurance and accident insurance describe how coverage usually works. They are not advice for your situation, and they are not an offer of coverage.

Real answers come from a conversation. We look at what you have now, what you need and what you can afford, then tell you plainly what we found.

Plans, Premiums and Carriers

Insurance companies set their own premiums, deductibles, benefits and enrollment rules, and they can change them. Each carrier decides who it will cover. Any plan details we share by phone depend on the carrier's final approval and the plan documents it issues.

Read your plan documents when they arrive. If anything there differs from what you expected, call us and we will go through it with you.

Contacting Us

The phone is the only way to reach us through this site. A free consultation and side-by-side plan options from several carriers are one call away at (727) 761-4591. There is no fee for the consultation. It costs you nothing to have us check, because we are paid by the company you choose, not by you.

Calling us does not sign you up for anything. No plan starts until you choose one and the carrier accepts your enrollment.

Our Content

The words and layout on this site belong to us. You are welcome to read them, print a page for your own use or share it with family. Please do not copy the site or reuse its content for business purposes without our permission.

Limits on What the Site Promises

We work to keep the information here accurate and current, but rules and plans change. The site is provided as it is, without promises that every detail is complete or up to date. We are not responsible for decisions made from the website alone, without speaking with us.

Changes and Governing Law

We may update these terms from time to time. The version posted here is the one that applies. These terms are governed by the laws of the State of Florida.

If anything on this page is unclear, call us and ask. We would rather explain it than have you guess.