It is our job to work directly with you to find the right policy, with the right coverage, at the right price for you and your family.

Contact us NOW for a free quote ... (352) 690-9574

What We Do

We specialize in helping you obtain an option on money for future needs usings pennies on a dollar ... in case you get sick, hurt, die or live too long:

Is your plan a true Major Medical PPO Health Insurance Plan or does it have restrictions and  caps as to what the health insurance company will pay?

If you developed cancer or some other serious illness ... can you go to the doctor or hospital of your choice?

If you or your loved ones are faced with a $2M transplant operation ... are you sure you and/or your insurance company has the money ... or would you have to declare bankrupcy ... or worse yet not get the treatment you need ?

If any of the breadwinners in your family were to die ... how would the rest of the family survive financially?

If one of your "Key" employees died ... would your business survive?

If any of the breadwinners in your family were to become disabled and not be able to work ... where would the income come from for the family to live?

How to chose the best health plan for you and your family:

Look for these key features: 

• Hospital:  The policy should adequately cover your room and board plus any miscellaneous charges while hospitalized.
• Surgical:  This benefit pays your surgeons' fee plus related costs such as anesthesiologist.
• Physician:  Pays for visits by the doctor while confined in the hospital or on an outpatient basis.
• Ambulance Transport:  Pays for ground as well as air transport to the hospital.
• Catastrophic Coverage:  The plan should pay a high lifetime maximum to protect you against financial ruin in case of a catastrophic illness or injury.
• Co-insurance Maximums:  Commonly know as a "stop loss" - the plan pays 100%
  above a certain amount therefore limiting your financial exposure to a reasonable
  amount.
  

I am still confused about all the choices - how do I select what is best for me and my family?

That is where we come in!  We are full-service, Florida-licensed insurance agents
specializing in finding the best insurance available at an affordable price for the self-employed, independent contractors, small business owners, pre-retired and retired individuals and their families ... a "One Stop" shop.

Purchasing Health Insurance is not quite as easy as pushing a button and out comes an        
instant quote.  Some popular web sites do offer instant online quotes, however these quotes are for very basic plans commonly called "loss leaders" and do not constitute a final quote - rest assured, the final number will be significantly higher when you finally agree to meet with the agent to fill out the required application.

By law, a specific policy for a specific individual will cost the same no matter who you go with. Since the insurance company you choose pays us a fee for service, our professional services are essential free to you.

All our quotes are free for the asking, but you must talk to us so we can ask pertinent questions related to your age, sex, medication and overall health status.  We offer many plans and you have many excellent choices which ultimately will determine the final premium.

Takes about 5 -10 minutes and we can work with you any way you want ... by phone, email, snail mail, FAX or in person.

Plans Available In Florida ?

Many companies ... many plans ... in these broad categories:

• Major Medical Plans 
• MEDICARE Plans
• HSA-Qualified High Deductible
      Health Plans
  
• Short Term Medical
• Hospital Surgical Indemnity
     Plans
• Individual Guaranteed Issue
• Accident Plans
• Critical Illness
• Dental, Vision Plans
• Disability Income
• Life Insurance
• Annuities
• Long Term & Home Health
    Care Insurance
• Association Benefits 
• Preventive Healthcare
• Safe Money Growth Income
• Tax deferred Asset
    Accumulation
• Income for Life  

Most individual health insurance plans fall into these broad categories:

• Major Medical - Typically referred to as Preferred Provider Organizations
  (PPOs).  These types of plans offer broad coverage through a contracted agreement
  between the health insurance company and the health provider.
  
  
• Short Term Major Medical - Very similar to the aforementioned Major Medical PPO-type plan, but typically purchased to provide from one month to twelve months of temporary medical coverage.
  
  
• Indemnity Plan - Also known as "reimbursement" plans.  These plans allow you to
  chose your own doctors and hospitals.  The plans pay a set amount to you for medical
  expenses allowing you the freedom of using the benefit any way you want.  
   
• HSA-Qualified High Deductible Health Insurance Plan - Similar to Major Medical, but you can take contributions from your HSA for eligible health care expenses tax-free:
  
  *  Having a qualified, high-deductible health plan (HDHP) in place is a requirement under IRS code 223 to make contributions into a Health Savings Account.  HDHP is simply the acronym for the qualified health insurance plan. Contact us for your health plan options before you attempt to open an HSA.
  
   *  Annual contributions are  typically limited to the amount of your deductible.  Your own HSA contributions are tax-deductible.  Whatever money you deposit in your HSA will roll forward from year-to-year so you will never lose your contributions.  The IRS will penalize excess contributions.
   

       
        *  You can withdraw from
        your HSA account for eligible
        health care expenses 
        tax-free.  All other
        withdrawls prior to age 65
        are subject to a 10% penalty
        by the IRS.  It is 
        recommended you retain         all medical expense 
        receipts.  
                
  For More Information Visit:

 1.   HSA Center Information Site

 2. Official Government Site
           for HSA's

Florida's  Affordable  Insurance Markets  

Contact Hank Progar @  (352) 690-9574 
      or toll free 
@ (888) 820-SAVE

.... for more info ... free quote  ... no-obligation consultation