Florida Health Insurance Online sponsored by Richard E Smith, Licensed Florida Insurance Broker
Richard E Smith
I’m licensed and reside in the state of Florida, so I only work with Florida residents. If you’re located in South Florida, please feel free to make an appointment to see me at my office.
The worldwide pandemic has changed the way we sell insurance, I’ve moved all of my client interactions online with virtual meetings and consultations.
If you have an internet-connected device with a camera and microphone, I host secure, online meetings via Zoom video conferencing or Google Meet.
I understand how important your health care needs are. As a broker, I represent multiple exchange and short term health insurance providers. I also work with America’s largest independent insurance agency. I don’t care who you go with, I just want you to have the best health care coverage at a price you can afford!
13791 Metropolis Ave, Fort Myers, FL 33912
How May I Assist You Today?
FREE Open Enrollment Virtual Consultation
A special 2021 Open Enrollment Period runs from March 1 to May 15, 2021.
IMPORTANT: 2021 Open Enrollment is only a few weeks!
If you don’t act by May 15, you can’t update or change your 2021 coverage unless you qualify for a Special Enrollment Period.
FREE SEP (Special Enrollment Period) Virtual Consultation
A time outside the yearly Open Enrollment Period when you can sign up for health insurance. You qualify for a Special Enrollment Period if you’ve had certain life events, including:
- losing health coverage
- getting married
- having a baby
- adopting a child
Depending on your Special Enrollment Period type, you may have 60 days before or 60 days following the event to enroll in a plan. If you miss your Special Enrollment Period window, you may have to wait until the next Open Enrollment Period to apply.
You can enroll in Medicaid or the Children’s Health Insurance Program (CHIP) any time of year, if you’re eligible, whether you qualify for a Special Enrollment Period or not.
Job-based plans must provide a Special Enrollment Period of at least 30 days.
- See if you qualify for a Special Enrollment Period due to a life event like losing other coverage, getting married, or having a baby.
- See if you qualify for Medicaid or the Children’s Health Insurance Program (CHIP). You can apply for these programs any time.
FREE Short-Term Health Plan Virtual Consultation
BE ADVISED: If you buy a plan outside the Marketplace any time, during Open Enrollment or not, you can’t get premium tax credits or other savings based on your income.
We offer private, short-term health plans from various providers with terms from 3 months to 3 years. These plans are not considered minimum essential coverage. However, with supplemental insurance, they offer a significant financial advantage over COBRA plans!
FREE Health Coverage Mitigation Virtual Consultation
If you live in Florida, you know how really expensive health insurance can be. Even with tax subsidies, you’re still responsible for $1000s in deductibles before the plan will pay for anything.
Because of the expense, many are simply going without coverage. But that makes you and your family vulnerable to a major financial catastrophe should an accident or major illness arise.
Health Coverage Mitigation puts you in control. We use short-term health plans, supplemental insurance, and discount health/RX programs to provide custom, affordable solutions for our clients.
There are no special periods, deadlines or any other hoops to jump through – you may contact us at anytime!