Terms and Conditions

What This Website Is

This site belongs to Private Health Insurance St Petersburg, an insurance agency serving clients in St. Petersburg, FL and the surrounding area. It explains the kinds of coverage we help with and how to reach us. By using the site, you agree to these terms. If you don't agree, please don't use it.

General Information, Not Advice

The pages here describe plans in general terms. They are not advice about your situation, and they are not a quote.

Premiums, deductibles, benefits and enrollment rules change from year to year and from carrier to carrier. The official plan documents from the carrier always control. If something on this site differs from those documents, go by the documents.

Calling Us

The phone is the only way to reach us. A free consultation is one phone call away at (727) 349-5211, and there is no fee for it. We are paid by the company you choose, not by you.

Share only what you are comfortable sharing. We use it to talk through your options and compare plans with you, nothing more.

A Call Is Not Coverage

Talking with us does not put a plan in place. Coverage starts only after you complete enrollment and the carrier accepts it. The carrier, not us, sets the final premium and decides eligibility.

Using the Site Fairly

You may read and print pages for your own use. Please don't copy the content for another business, try to break into the site, or use it to send harmful code. Carrier names and logos mentioned anywhere belong to those companies.

Limits on Our Responsibility

We work to keep the site accurate and running, but we can't promise it will always be current or free of errors. To the extent the law allows, we are not responsible for losses that come from relying on the site alone instead of the plan documents or a conversation with us. These terms follow the laws of the State of Florida.

Changes to These Terms

We may update this page from time to time. The version posted here is the one that applies. If you have a question about any of it, pick up the phone and ask us.