How Our St. Petersburg Agency Helps You Pick a Plan
Clients across St. Petersburg come to us, a licensed independent insurance agency, to sort out health, dental, vision and accident coverage. We pull plans from several carriers and add up what each one will really cost over twelve months of use, not just what the monthly premium says.
Why we look at the whole year, not just the premium
Most people shop health insurance by the monthly premium. That number matters, but it is only part of the bill. The deductible, the copays, the out-of-pocket maximum and the provider network decide what you actually pay once you start using the plan.
So that is how we work. We can meet in person at our office, or over a phone or video call if that fits your day better. The first questions are always about how you used your coverage last year. Which doctors you see. What medications you take. Whether a baby, a surgery or a job change is coming. Then we line up plans side by side and run the numbers for a quiet year and a rough one.
No single carrier signs our checks, so we can put plans from several companies on the table and say plainly which one fits. Sometimes the lowest premium wins. Often it does not. Either way, you see the reason before you sign anything.
What working with us looks like
A free first conversation
You pay nothing to sit down with us. Our commission comes from the carrier whose plan you pick, so a review of your options is free to you.
Real numbers, side by side
For each plan we line up the monthly premium, the deductible and the out-of-pocket cap. Then we show the yearly total for a light year and a heavy one, so the monthly price is never the only number you see.
Your doctors checked first
A cheap plan is no bargain if it leaves out the doctor you rely on. Before you sign up, we look up your providers and prescriptions in each plan's network and drug list.
A fresh look every renewal
Coverage shifts from year to year as carriers raise prices, trim doctor lists and rework benefits. When open enrollment arrives, we can review your plan together and tell you honestly if it still fits or if a change makes sense.
Serving St. Petersburg and nearby towns
We work with clients across St. Petersburg and nearby, including Gulfport, South Pasadena, Pinellas Park, Kenneth City, Lealman, St. Pete Beach, Treasure Island and Tierra Verde. Visit our office, or handle everything on a phone or video call. Plenty of clients get through the whole process without leaving the couch.
Our work covers individual health insurance, family health insurance, ACA marketplace plans, and dental, vision and accident insurance. If you are self-employed, between jobs or adding a spouse or child to your coverage, those pages explain what to look at first.
- St. Petersburg
- Lealman
- Gulfport
- South Pasadena
- Kenneth City
- Pinellas Park
- West Lealman
- Bardmoor
- St. Pete Beach
- Treasure Island
- Tierra Verde
Talk it through before you pick a plan
Bring your current plan card or just a list of questions. We will go over your options and lay out plans from several carriers next to each other, and the conversation costs you nothing.