Question 1

What is an independent insurance broker, and how does working with one cost me?

Accepted Answer

Working with an independent broker costs you nothing extra. Unlike captive agents who only work for one insurance company, we aren't tied to any single carrier. We shop across a wide range of top providers to find the exact health, Medicare, life, or dental plan that fits your needs and your budget — putting your interests first, not the insurance company's bottom line.

Question 2

When is Open Enrollment for health and Medicare insurance?

Accepted Answer

Medicare Annual Enrollment (AEP): October 15 – December 7 (for coverage starting January 1).ACA Marketplace Open Enrollment: November 1 – January 15.Note: Depending on your situation (like losing coverage, moving, or other qualifying life events), you may also qualify for a Special Enrollment Period to get covered year-round.

Question 3

Do I need a separate dental and vision plan?

Accepted Answer

Most standard health and Medicare Advantage plans offer limited or zero routine dental and vision coverage. Adding a dedicated dental or vision plan ensures your routine cleanings, X-rays, and major work (like crowns or fillings) are covered without breaking the bank. You can even run an instant quote on our site using our Delta Dental link.

Question 4

Can you help me compare different insurance options?

Accepted Answer

Yes. You can compare health, life, dental, and Medicare coverage with us. We also help you review ACA plans, Medicare Supplement options, Medicare Advantage plans, and final expense life insurance. You get clear explanations, simple comparisons, and support choosing coverage that fits your needs and budget.

Question 5

Can you help if you have a pre-existing condition?

Accepted Answer

Yes. Your options depend on the type of plan you want. ACA plans generally cover pre-existing conditions, while some private plans may ask health questions. We can help you compare your choices and find coverage that fits your needs.

Question 6

How does your health insurance coverage work?

Accepted Answer

You pay a premium to keep your plan active. When you need care, your plan helps pay for covered services based on your deductible, copays, coinsurance, and network rules. We help you understand those details in plain English so you know what your plan covers and what you may pay.

Question 7

How do I get started with a consultation?

Accepted Answer

It’s simple and zero-pressure. You can fill out our General Quote Form or call/text Robert directly at (727) 513-8338. We’ll review your situation, answer your questions in plain English, and help you find the right path forward.

Question 8

Do you handle tax preparation services?

Accepted Answer

Yes! Alongside our insurance guidance, we provide professional tax preparation services for individuals and small businesses. We make the process simple—just submit your documents, and we take care of the rest. Secure Intake Form

Question 9

What documents do I need to get started on my taxes?

Accepted Answer

To get started, we typically need:Your driver's licenseLast year's tax returnAll relevant income documents (W-2s, 1099s, etc.) and deduction recordsSecure Intake Form

Question 10

Can my tax preparation fee be taken out of my refund?

Accepted Answer

Yes, if you prefer, your tax prep fee can be deducted directly from your tax refund (standard bank processing fees apply).  Secure Intake Form

Frequently asked questions