Florida Health Agency

Today the Health Insurance Marketplace exists in a very complex state.  Obamacare, the Affordable Care Act, Short Term Plans, Limited Benefit Plans, Association Plans, and Health Sharing Ministry Plans all seem to inhabit very similar spaces, provide overlapping messages, and can lead most medical insurance consumers scratching their head.  So what can you do to make sense of it all.

BEWARE:  The marketplace for medical coverage changed with the advent of Obamacare (Affordable Care Act).  Prior to this legislation, you could buy or change health insurance whenever you wanted to.  Now, in general, you may apply for ACA (Affordable Care Act) coverage only during the annual election period which begins on November 1, 2019 and ends on December 15, 2019.  There are special election periods which do exist year round for some people.  Some examples of this are for people who moved, turned 26, got married (or divorced), lost their insurance from their job, or lost Medicaid coverage. To learn if a Special Election Period would apply to you, call us or make an appointment to speak with us by using our scheduling link.  We also have a more complete listing of Special Election Criteria on our website.

First, do you qualify for a subsidy?

Florida Health AgencyYou may qualify for a subsidy, here in the state of Florida, if you (or your spouse) does NOT have the availability of health insurance through your company AND your income is less than 400% of the Federal Poverty Level.  In 2019 the minimum income for a single person is $12,140 and for the enrollment period beginning in 2020 the number will increase to $12,490.  Below that number and you don’t qualify.  If you are close to that number (but below it) the key is to get to that number or just above it.  Getting to that number will allow you to get excellent health insurance benefits at an extremely competitive price.  There are tables to show you these results in more details which can be found at:  https://floridahealthagency.com/subsidy_tables.

Each year you may only have one choice to make the right decision for you and your family. In many cases, you will have several options in terms of choosing a health insurance provider.  Each of these companies often have several plans and each of those plans have unique Benefits and Doctor Networks.  Remember that the medical insurance coverage choice you make will impact your ability to get health coverage until you can make another choice, often this is one year away, so make this choice wisely.

First tip on saving money when looking at Medical Insurance Coverage:

Don’t smoke! In almost any situation the use of tobacco will increase your insurance cost.  With the Affordable Care Act (ACA) Health Insurance plans you can assume that the base cost for a smoker will increase by 25 percent.  Any subsidy will not increase to compensate for this, so smoking can often make Obamacare Insurance much, much more expensive then it would otherwise be.

 

The ACA Marketplace (Healthcare.gov):  If you get a large subsidy then you’ll be making choices mostly within the Federal Marketplace, using either and agent or going directly to www.Healthcare.Gov  We recommend that going to us, rather than the marketplace directly is that we have the ability to give you guidance as to how various health insurance plans work, their networks and how they may apply to you, and provide crucial support in making decisions about the income that you should attempt to achieve in order to get appropriate coverage at a cost effective price.  You can get to this information by calling us at (954)332-9768, or by using our scheduling link.

If you find that the cost of the insurance through the marketplace is too high, then alternatives may exist off of the marketplace.  If you have pre-existing conditions, or you want the protections offered by the Affordable Care Act in terms of pre-existing conditions, maternity coverage, mental health, or preventative benefits, then besides the marketplace plans, you can often find additional choices for full ACA coverage off of the federal marketplace.  If those considerations are not important then we can look at other alternatives.  To learn more about Obamacare Plans and some additional tips go to our webpage

First, you must decide what you really want.  Do you want plans that will just have some protection and cost the least?  If that is the case, then Short Term Insurance plans (especially if you have no pre-existing conditions) may prove the best bet, unless you qualify for a subsidy with the Affordable Care Act (Obamacare).  There are also Association Plans, Healthcare Sharing Ministry Plans, and some Limited Benefit Plans to also consider.  We recommend, in general, that talking to a well-respected, qualified agent is your best bet in making decisions among these various choices.

Obviously, we have a website (https://floridahealthagency.com) but we strongly recommend that you have a conversation with us.  Our goal is not necessarily to sell you something, but to assist you in making the choice that is in your best interest.  If you have a COBRA option, and that is the best option for you we will absolutely recommend that COBRA is the way to go.

We live by our motto:

we know, we care, YOU Decide!

Now let’s look at some of these options in depth.

Short Term Medical Insurance or Short Term Insurance is generally a policy which covers people for a short period of time.  These policies have gone through several iterations over time.  When Obamacare first was enacted these plans were limited to 90 days and buying these plans would subject you to a tax penalty if you didn’t have Obamacare coverage for a period exceeding 62 days.  The penalties no longer exist.  Neither do the limitations on 90 days.  Today, there are plans that exist for up to six months, plans that cover you for a year, and some that will guarantee you coverage for as long as 3 years.

Generally, these policies do ask you underwriting questions, and they may have no or limited preventative medical services.  Some of these plans have serious limitations when it comes to prescription coverage, or as an example mental coverage.  These plans usually do not cover maternity, at least not as of the writing of this blogpost.  Whereas an ACA plan for a young adult (ie 21) would cost over $200 in most places in Florida (without a subsidy), some Short Term Medical Plans offering a $1,000,000 or $2,000,000 in coverage may be less than $100.  To get specifics for your situation you can go to our website or by calling us at (954-332-9768).

In addition, Short Term Plans are generally PPO networks, using networks like, United Healthcare’s Choice Network, Aetna’s PPO network, PHCS- Multiplan Network, or First Health Network.  Each of these networks is very large and may provide superior network choice compared to many of the plans on the Florida Federal Government Marketplace.  You can get a good overview of the Short Term plans we offer by going to our Short Term Plan web page.

 

Association Plans:  Another option which is somewhere in-between the cost of Short Term Insurance but often less than the Affordable Care Act Plans are Association Plans.

These plans are relatively new options here in Florida.  They differ from the other plans because the cross state lines and provide almost all of the benefits of Affordable Care Act plans, generally using a National PPO Network like United Healthcare Choice or the CIGNA PPO Network, but because they ask health questions (and will disqualify those with pre-existing conditions) they end up having a much healthier pool of people for which they are providing insurance for and as such you will likely see significantly lower monthly premiums, especially for those who are over 50 years of age and who don’t qualify for large health insurance subsidies.  These plans generally have decent deductibles, manageable maximum out of pocket coverage protections, and copays for Doctor and may even cover lab work and X-Rays at no cost.  These plans, generally were not available until after the Obama administration left office.

Other Idea’s that may save you money on Health Insurance

How can I increase my ACA subsidy? 

  • Consider opening up an IRA. If you open an IRA and fund that IRA, the monies you place into that IRA will reduce your taxable income.  That may mean that you qualify for a bigger subsidy or perhaps allows you to get a Silver Plan with enhanced benefits.  Using this strategy may not only allow you to pay less taxes now, but lower your health insurance premium and get better coverage.  Pretty neat trick.  Don’t understand IRA’s, give us a call.  We don’t sell IRA’s but will gladly steer you in the right direction.  Some very low cost options for IRA”s would be Vanguard, Fidelity, TD Bank – Ameritrade, or Schwab.  You can also ask your financial advisor.
  • Consider opening up an HSA (Health Savings Account). Health Savings Accounts allow you depending on age to choose an HSA plan.  These plans give you special tax savings, and may offer you again to qualify for subsidies you would otherwise fail to be able to obtain.  In addition, these accounts allow you to pay for medical services with pre-tax dollars.  We recommend using HSA bank to set up your account, but we also recommend that you discuss this with your Accountant to make sure this type of account is right for you.
  • Buy a Higher Deductible Plan and couple that with GAP insurance GAP insurance is a policy which will pay you a benefit based upon certain specific incidents. We particularly like the GAP insurance which will pay you a cash benefit (which you can use to lower your exposure to medical costs) in the case of any accident or injury, along with a payment should you need to spend one or more nights in a hospital as an in-patient.  These are often the major expenses that will cause you to have to go out of pocket in a large way.  Coupling this additional coverage to a plan with a higher deductible often makes a great deal of sense.  Let us get you a quote on this valuable coverage.  Details of this plan can be found on our website.  While this is one approach there are many ways to use this technique.  Some carriers offer a range of cost reduction GAP plans which will pay you for cash benefit for a surgery (non-cosmetic), or certain tests (i.e. An MRI), or perhaps even for some doctor visits.  Another offering could be a benefit paid if you have a critical illness (cancer, stroke, heart attack).  Each of these options may make sense and the ones that are best suited for you is really deeply personal.  We look forward to assisting you in seeing if using this technique makes sense for you.
  • Considering buying separate plans for different family groups. While this can lead to a larger potential family out of pocket maximum, this strategy may make a great deal of sense.  Let’s say that one member of your family has a preexisting condition, while other’s do not.  Allowing the one person to get a suitable plan specific to their needs may reduce their health insurance costs and allow other family members to get different coverage that makes sense for them.  Don’t discount the use of Florida Kidcare in the equation as that may offer another valid option for you to consider.  You can calculate your cost for kidcare here and use that as a basis for other decisions you may need to make.  Florida Kidcare states “Florida children from birth through the end of age 18 are eligible for coverage. It is free to apply and with year-round enrollment, the time to apply is always now. Begin your family’s application by clicking the pink ‘Apply Now’ button. Then Florida KidCare does the rest. Based on the age of the child, household size, and family income, we automatically match each child with their best fit of the four Florida KidCare programs – Medicaid, MediKids, Florida Healthy Kids, or the Children’s Medical Services Managed Care Plan. It’s that easy!  Florida KidCare includes free, subsidized and full-pay options based on family income and household size. Most families pay nothing at all, and many pay as little as just $15 or $20 a month for all children in the household. Families who do not qualify for free or subsidized coverage may purchase a competitively priced full-pay plan.

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This guide helps you learn about the different parts of the Medicare program, including Medicare Part A and Part B (together, they are often called “Original Medicare”), Part C (often called “Medicare Advantage”) and Part D (the part of Medicare that covers your prescription medications).

We would like to help you.

Speak to us about your Health Insurance requirements.

This website and its contents are for informational purposes only. Nothing on the website should ever be used as a substitute for professional medical advice. You should always consult with your medical provider regarding diagnosis or treatment for a health condition, including decisions about the correct medication for your condition, as well as prior to undertaking any specific exercise or dietary routine.

Florida Health Agency is a licensed health insurance agency certified to sell Medicare products.
Medicare has neither reviewed nor endorsed this information.

Get In Touch

866-713-3267
English: 954-332-9768
Portuguese: 954-859-2602
Fax: 954-301-2282

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2211 East Sample Road Suite 101
Lighthouse Point, FL  33064

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Angie C.
Angie C.
18:10 25 Oct 21
Absolutely amazing office. They really know what they are doing!! William is a master!! Highly recommended!!!
Irani G.
Irani G.
16:07 04 Oct 21
Rachel A.
Rachel A.
18:14 28 Sep 21
Holly J.
Holly J.
18:30 20 Sep 21
Priscilla was amazing and so helpful! I was lost on how to obtain insurance and she knew exactly what I needed. Highly recommend!
Aimee F.
Aimee F.
21:25 15 Sep 21
Called in desperate need of assistance and direction. Priscila and Bill took our call and spent hours with us everyday thereafter working hard to make sure we were in the loop and up to date. This is our insurance place hands down from here on out!
Daniel D
Daniel D
17:40 02 Sep 21
Very helpful. Very Couteous. Very knowledgeable. Excellent Commicator.Timely. Most of all felt like he was serving me like he would like to be served. Thank you William.
Scott H.
Scott H.
15:16 31 Aug 21
Jack L.
Jack L.
23:02 27 Aug 21
Katie S.
Katie S.
18:29 24 Aug 21
Priscilla was wonderful in helping my husband get a health care plan. She made sure that we were happy and taken care of!
Heidi S.
Heidi S.
13:15 18 Aug 21
Brianna M.
Brianna M.
21:28 17 Aug 21
Elza T.
Elza T.
23:46 16 Aug 21
Desde o primeiro dia que falei com a Senhora Gio, me senti confortável e confiante de estar sendo atendida por uma excelente profissional!Muito obrigado Senhora Gio por ajudar-me a conseguir o plano que se adaptava às minhas condições financeiras!!⭐️⭐️⭐️⭐️⭐️
Cristina G.
Cristina G.
21:17 14 Aug 21
Gio is an excellent health insurance agent, answers your questions quickly and with great knowledge of what she does, I recommend her! Thanks Gio!
Cristiane S.
Cristiane S.
21:59 13 Aug 21
Priscilla is an excellent professional !!! 🙂
isabela F.
isabela F.
21:49 12 Aug 21
Priscila was very professional and knowledgeable! She helped me choose the perfect insurance plan for my family!
Martha P.
Martha P.
19:11 12 Aug 21
I love everything about FHA. Excellent customer service and availability. Gio is very enthusiastic and energetic and most importantly, she takes interest in what is best for my family.
Érica Souza de O.
Érica Souza de O.
03:12 12 Aug 21
Encantada com o atendimento da Gio, uma pessoa extremamente disposta a ajudar, profissional, pró ativa e muito atenciosa. Ela está de parabéns 👏🏻
David P.
David P.
20:36 11 Aug 21
My agent Bill has been excellent. Always knowledgeable, responsive and really knows how to find the best plans for the situation and budget.
Cyd G.
Cyd G.
19:52 11 Aug 21
Excelente atendimento, fui atendido pela agente Priscilla, sempre solícita em esclarendo todas minhas dúvidas!
Haysa R.
Haysa R.
20:22 10 Aug 21
A Priscila é uma profissional muito séria, super competente e que nós atende com muita excelência.
Salomon Z.
Salomon Z.
19:48 10 Aug 21
Bill is a great agent. He gave me advice on what I really need instead of what he wanted me to have.
Meneftha P.
Meneftha P.
19:04 10 Aug 21
Gio was very helpful in assisting me with selecting the best plan! Not only was she responsive and well informed, she was patient with me as I worked through my options. Gio made sure I was knowledgeable to help me make an informed decision. She was also very nice so that helped! Overall a great experience.
val C.
val C.
14:12 07 Aug 21
Silmara Baccaro L.
Silmara Baccaro L.
15:13 03 Aug 21
Excelente atendimento da Priscila!
Ana G.
Ana G.
14:05 03 Aug 21
Foi maravilhosa! Muito profissionalismo e excelência em todo momento! Gio foi fantástica!
Ellen C.
Ellen C.
17:43 02 Aug 21
Robson S.
Robson S.
19:42 31 Jul 21
Priscila Ribeiro foi super atenciosa, indico…👊🏻💪🏻
Patricia Barison V.
Patricia Barison V.
20:04 29 Jul 21
VANN C.
VANN C.
20:16 28 Jul 21
SUPER TOP PRISCILA IS BEST CUSTOMER SERVICE HELP ME IN EVERYTHING IM NERD HELPS A LOT THANKS PRICILA YOU ARE NUMBER 1 THE BEST
Gisel F.
Gisel F.
20:37 27 Jul 21
Pricilla was very professional, helpful, and very knowledgeable made getting health insurance stress free... I would recommend to my family and friends...
Lucca C.
Lucca C.
18:24 27 Jul 21
Adorei o atendimento da Gio! Ela é muito atenciosa e gentil! Me ajudou muito com o meu plano de saúde. Parabéns pelo trabalho!
Wildine Point Du J.
Wildine Point Du J.
17:56 27 Jul 21
Ms Priscilla was very very nice and helpful, I am glad I choose this location.
Chris B.
Chris B.
17:13 27 Jul 21
Gio Sartor was simply excellent! She explained everything in detail including, the various options. This helped us select the best plan for my Mother-In-Law. Gio was also very patient and kind as well in answering all of our questions. We’re deeply grateful!!
Sany O.
Sany O.
07:38 27 Jul 21
Mr William Kohn and Sonia are the absolute best. They’re definitely 5-star rated and I would give them one hundred stars if I could! They always return my calls in a matter of minutes and are always willing to help me with whatever I need. Together Bill and Sonia make an outstanding team. I have no words to thank them for their attention and care. This is the best place to help you with your health insurance and I strongly recommend Mr Kohn and Florida Health Agency.
Ss D
Ss D
22:02 23 Jul 21
Bill is phenomenal. Very caring, prompt in responding, thoroughly understanding the requirements and providing recommendations.
next L.
next L.
20:31 23 Jul 21
I spoke witch Pricscilla and she did a great Job of explaining me the different options for my health insurance and she helped me find a plan that meets my financial situation. She made things very easy for me and she was very polite which I really appreciate.
Lorena R.
Lorena R.
21:05 21 Jul 21
Melanie Keegan F.
Melanie Keegan F.
15:31 20 Jul 21
Bill made this process so much easier. His advice was invaluable, when deciding between insurance plans. Thank you!
Jackie R.
Jackie R.
15:15 20 Jul 21
Our agent, William Kohn, was extremely knowledgeable and responsive to all questions. He helped us navigate a wide array of resources to find the plan that worked best for us. Highly recommend!
Vanderlei B.
Vanderlei B.
02:26 20 Jul 21
Atendimento excelente, profissionais super qualificados e dispostos a tirar todas as nossas dúvidas! Super indico, e eu minha esposa ficamos muito satisfeitos.
Jumbo S.
Jumbo S.
21:34 16 Jul 21
After looking at health insurance on my own I realized I needed help. So many choices with similar names! It became very confusing fast. I call Gio and she was amazing in her knowledge and helped find what I needed. She has saved me thousands of dollars over the next year and I have recommended her to several friends already. She works for a very helpful company.
Mo Z.
Mo Z.
21:34 15 Jul 21
Gio was very helpful with my healthcare plan search. I highly recommend Florida Health Agency! Excellent, friendly service.
roseli P.
roseli P.
00:35 03 Jul 21
Very grateful for Priscilla Ribeiro's serviceFlorida Health Agency
Adriana S.
Adriana S.
20:23 30 Jun 21
Mari S
Mari S
15:58 30 Jun 21
A experiência da empresa tem sido uma das melhores em termos de planos de saúde. Minha família está muito feliz e satisfeita com o desempenho em nos ajudar com os planos. Nosso agradecimento especial ao Agente Gio Sartor.🙏🏻❤️
Hodge A.
Hodge A.
21:06 22 Jun 21
Explain things well very helpful and makes the process smooth I like working with William kohn and gio sartor very helpful .
Seçil A.
Seçil A.
17:34 22 Jun 21
Rejane R.
Rejane R.
15:11 22 Jun 21
Patrícia A.
Patrícia A.
23:15 21 Jun 21
Nicholas C.
Nicholas C.
15:32 17 Jun 21
Priscila was outstanding . Very professional and extremely helpful. We learned a lot with her and would highly recommend her to family & friends .Maria Regina Carollo
JOAO PAULO C.
JOAO PAULO C.
22:54 16 Jun 21
Fomos muito bem recebidos num escritório muito elegante.A nossa agente Priscila foi muito simpática, atenciosa e incansável. Uma profissional espetacular, muito competente e com um vasto conhecimento no seu campo de trabalho. Nos tirou todas as dúvidas e nos explicou minuciosamente todas as opções disponíveis.Saímos de lá seguros e confiantes que fizemos a melhor escolha. Vou indicar com certeza para meus familiares e amigos. Muito obrigada.
Jeff G.
Jeff G.
18:00 11 Jun 21
Bill is super knowledgeable and the kind of businessman and professional I wish everyone was. He went way beyond to provide me with incredible attention to detail and service despite the fact that I am just one individual. I felt that every person is vitally important and that he only has one speed: deluxe service and fast response.I would recommend him without reservation to anyone!
Nelson S.
Nelson S.
17:36 10 Jun 21
Office was very professional
Elizete T.
Elizete T.
17:35 09 Jun 21
Otima, principalmente com ajuda, atenção e rapidez da Priscila, inclusive quero agradecê-la por sempre que preciso de algo ela está pronta a ajudar!!!! Ótima profissional
LE Painting & S.
LE Painting & S.
02:13 08 Jun 21
Bill is very professional, knows everything about insurance and helped a lot get things done!He added my son and my premium was decreased, really amazing! Thanks a lot we really appreciate!!!
CARING PROFESSIONAL HEALTH C.
CARING PROFESSIONAL HEALTH C.
20:23 07 Jun 21
Kathleen C.
Kathleen C.
16:53 04 Jun 21
My husband and I were very pleased with Wiiliam’s knowledge and service. He is definitely 5-star rated. Highly recommend!Kathleen Cohn
Aubrey K.
Aubrey K.
15:14 29 May 21
William Kohn is a true professional, polite, knowledgable and efficient. He answered all my questions, made sure I understood all the options available and explained the differences in each of the health insurance policies.It will be a pleasure knowing that anyone I recommend him too will be treated with honor and respect.Thank you William Kohn for all you did for me to get health insurance for my daughter.
Robert S.
Robert S.
01:31 16 May 21
I strongly recommend Mr Kohn and Florida Health Agency. He was extremely knowledgeable about health insurance and provided invaluable information, options and assistance. He was very responsive to our questions and attentive to our needs.Thank you so much.
Fit S.
Fit S.
18:31 06 May 21
Happy Family E.
Happy Family E.
16:42 06 May 21
Donna D.
Donna D.
13:30 29 Apr 21
Mr William Kohn is the absolute best! In all my years of dealing with insurance agents I've never had anyone to explain a policy in it's entirety with such simplicity to which a child would be able to comprehend. I know he was God sent! He found a policy that is suitable for me & I'm completely satisfied thus I highly recommend Florida Health Agency!!!!
ashley w
ashley w
20:26 26 Apr 21
Bill was wonderful to work with and was able to save us money and get us better plans. I highly recommend contacting him for health insurance needs or questions.
Jeffrey M.
Jeffrey M.
15:59 23 Apr 21
hacho L.
hacho L.
01:02 21 Apr 21
Mr. Bill Kohan was great! He took the time to explain everything in detail. Thank you very much!Viviana Diaz
Srdjan S.
Srdjan S.
19:16 08 Apr 21
Bill was very kind and responsive. He knew exactly the plan we are eligible for and the process to get the plan was fast and painless. I strongly recommend Bill to others.
James C
James C
18:00 29 Mar 21
Inna P.
Inna P.
16:16 15 Mar 21
Great service ! Bill is great ! He was able to help me find insurance that would be accepted by all of my doctors and it would not break us financially. He is very detailed and explained everything we had questions about .
Paul M.
Paul M.
15:02 15 Mar 21
Always takes care of whatever is needed timely and very efficiently.Would never deal with anyone else to handle my Healthcare needs.Bill Chohen is tremendous 👏
daryll V.
daryll V.
19:40 10 Mar 21
Crashing Waves P.
Crashing Waves P.
17:59 09 Mar 21
Bill was a tremendous help with establishing our coverage. navigating through the world of health insurance has always been very intimidating for me. I am thankful to have had his assistance and would highly recommend his services!
Hallie R.
Hallie R.
21:51 02 Mar 21
Best experience I’ve ever had with an insurance agent. Listened to what we needed as a family and made sure we got the correct plan. Took his time with us and went through everything. ⭐️ ⭐️ ⭐️ ⭐️ ⭐️
Ruth W.
Ruth W.
13:50 27 Feb 21
lil M.
lil M.
22:18 21 Feb 21
Jennifer D.
Jennifer D.
22:48 06 Jan 21
William Kohn is absolutely the BEST insurance agent out there. He does his best to find exactly what you are looking for. He is professional and extremely knowledgeable about all the insurance plans from many different providers. He will walk you through all the necessary steps to make sure everything is done the right way. Thank you for you help.
Christea B.
Christea B.
22:26 02 Dec 20
Trying to choose the best insurance plan can be a daunting task. I am so pleased I chose Florida Health Agency to assist me. I have the perfect health plan for myself. William (Bill) Kohn was patient, highly knowledgeable and led me to the ideal policy based on my own health circumstances. Mindy was wonderful, warm and professional and available to answer all your questions. You are in excellent hands with this company!
Karina C.
Karina C.
19:06 27 Oct 20
I really recommend this company. I was very well attended and most importantly, Gio's feedback was and is still being exemplary. Thank you very much for assisting me in choosing my health plan.Karina Criscoullo
marie C.
marie C.
18:00 17 Oct 20
Ryan H.
Ryan H.
18:16 15 Oct 20
Laura V.
Laura V.
14:58 15 Oct 20
Gabriel was awesome, he helped me with lower rates and better insurance.
Salvatore C.
Salvatore C.
13:20 15 Oct 20
Priscilla is awsome agent she answer all my questions very patiently
Joannie B.
Joannie B.
12:54 14 Oct 20
Kevin M.
Kevin M.
14:48 07 Oct 20
John V.
John V.
20:40 23 Sep 20
This company has a culture of caring about their customers. I could see that from my first conversation with William. Something that is hard to find in the world we live in today. William and Sonia delivered incredible service. They definitely earned my business for my future health insurance needs.
Elliott B.
Elliott B.
20:05 03 Sep 20
Agent Priscilla has been more than competent in making sure her clients have all their documents in good standing order. In spite of multiple procrastinations on my end, she faithfully and patiently followed up with me until 24 hours of my deadline. Her professionalism speaks volumes and as a business owner myself, I know her employer must be proud having such a star employee.
Ruth M.
Ruth M.
19:12 21 Aug 20
Priscilla was very helpful in answering all my questions and getting me the best policy for my budget. Thank you
sahyli M.
sahyli M.
03:15 30 Jul 20
Sonia and William are a great team of professionals. They are extremely helpful. I am very happy with the help and direction I have gotten from them.
Freda E.
Freda E.
20:12 17 Jul 20
Caring, kind, dedicated and very professional!
Geisa A.
Geisa A.
17:35 13 Jul 20
Wendy V
Wendy V
20:51 26 Jun 20
Priscilla is very informative, professional and caring! The best insurance agent!
Karolina Bertoloni S.
Karolina Bertoloni S.
19:49 26 Jun 20
Priscila is awesome!! I’m so glad I found her to help me with my insurance needs... I totally recommend her!!!
George M.
George M.
21:14 24 Jun 20
Kate
Kate
18:44 02 Jun 20
I was very impressed with Pricilla Ribeiro and her willingness to find me a great policy at a great price! She is professional and so nice to work with. I highly recommend you call her!
Michelle S.
Michelle S.
17:40 24 May 20
Bill is AWESOME!! I had placed so many errors on my obamacare application and had gotten denied. Everyone knows healthcare in America is soo evil and conniving but this company shows compassion and helps you get the best plan possible!! The heathcare plan we got cost pennies on the dollar and everything was amazing!!! Bill is AMAZING!!!!
Ricardo A.
Ricardo A.
17:39 24 May 20
Bill was awesome !!! He helped my wife and I find great healthcare at a great price. Would recommend 10/10 wish I could rate more than 5 stars.
Jorge B.
Jorge B.
23:54 23 Apr 20
Janet G.
Janet G.
16:38 23 Apr 20
Thank you Sonia for helping me today, I really appreciate the kind and prompt response and results oriented service that Sonia provides. Bill was quick to call me back and follow up on my inquiry. Together Sonia and Bill make an outstanding team. I refer them to my friends and family whenever possible and will continue to spread the word.
Amit B.
Amit B.
19:06 17 Apr 20
The representative that helped me was Sonia.She is very professional and kind, she solve my problem fast and explain me everything that she is doing.Thank you.
Julian E.
Julian E.
16:50 01 Apr 20
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