About Us: Plain Health Coverage Advice in Land O' Lakes
Land O' Lakes residents come to us to sort out health, dental, vision and accident coverage without the insurance vocabulary. You share your priorities. We place plans from several carriers next to one another and explain, in everyday words, the price of each and what it really pays for.
How we came to work this way
Callers tend to arrive with the same complaint. They pulled up a plan comparison full of premiums, deductibles and copays, and still had no idea which plan would be cheaper across a whole year. On the phone, we give them that missing answer, briefly and honestly.
No single carrier owns our loyalty. Because of that, we can line up plans from different companies and show where they truly split apart: whether your doctors take the plan, how the deductible and out-of-pocket maximum play out, what your usual medications would run, and the premium left after any subsidy you qualify for on ACA Marketplace plans.
Come by our office, or talk with us by phone or video if that suits you better. The consultation is free. The carrier behind the plan you choose pays us, so a review of your options costs you nothing. It also leaves us no reason to push a more expensive plan. When a cheaper option covers what you need, we say so.
What you can expect from us
The direct answer first
Ask why your premium went up, or why one plan has a lower deductible but higher copays, and we tell you plainly. If we need to look something up, we say so and get back to you with the answer.
Cost drivers spelled out
Your age, tobacco use, the county you live in, the metal tier you pick and your income for subsidy purposes all move the price. We show you which of these affect your number and which ones you can actually change.
Doctors and medications checked before you enroll
We look up the providers and medications you name in each plan's network and drug list before you decide. A low premium does not help much if your doctor is out of network.
Still here after enrollment
Questions come up once the card arrives. If a bill looks off, your family changes, or open enrollment comes around again, call us and we will walk through it with you.
The communities we serve
Our clients live in Land O' Lakes and the surrounding communities, among them Lutz, Wesley Chapel, Odessa, Connerton and Cheval. Since most meetings happen by phone and video, comparing plans never requires a drive, though you can always visit our office for a face-to-face talk. More of the towns we serve appear on our Service Areas page.
- Land O' Lakes
- Lutz
- Cheval
- Wesley Chapel
- University
- Lake Magdalene
- Northdale
- Pebble Creek
- Odessa
- Connerton
- Egypt Lake-Leto
See the comparison before you decide
Let us know who needs a plan and which doctors you want to stay with. We will return with options from multiple carriers and an honest read on which ones suit you, free of charge.