Health & Life Insurance in Tampa Bay

Here are some Great questions to review

What important things do you need to know about your health insurance policy?

How high of an annual benefit do I have available? (50k or 2 million or some place in between)

How much will my out of pocket expense be for the benefit when I use it?

What is my deductible?

Do I have a stop loss benefit in my policy, not just an 80/20 or a 60/40 split?

What is a stop loss and how will this help me?

What will I owe if my hospital bill is over 100k?

Do I have real major medical or do I have a network discount benefit plan?

What is an indemnity benefit plan?

How does the Insurance company underwrite my policy, and what would cause me to be denied?

Last but not least, is the premium I invest each month going to cover my family’s needs

and keep me out of debt?

The reason for coverage for most of us is the assurance of knowing we are covered for an unexpected medical need and we will not suffer a financial loss. 

Please look over your policy to understand what you have. If you don’t know the answers to all the questions above or don’t have a policy, then please feel free to call me to set up an appointment

to review your coverage and determine what your insurance needs are.

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