First Class
Advisors
Health
Financial Protection
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Accident Protection
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Prescription Coverage
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Preventative Care
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Hospitalization Support
✦
Peace of Mind
✦
Surgical Benefits
✦
Dental & Vision
✦
Affordable Rates
✦
Tax Benefits
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Financial Protection ✦ Accident Protection ✦ Prescription Coverage ✦ Preventative Care ✦ Hospitalization Support ✦ Peace of Mind ✦ Surgical Benefits ✦ Dental & Vision ✦ Affordable Rates ✦ Tax Benefits ✦
MEET
Jared
I GREW UP IN ORLANDO, FLORIDA, AND EARNED MY ECONOMICS DEGREE FROM FLORIDA STATE UNIVERSITY. DURING MY STUDIES, I DEVELOPED A DEEP UNDERSTANDING OF FINANCIAL MARKETS, RISK MANAGEMENT, AND CONSUMER BEHAVIOR—KNOWLEDGE THAT NOW HELPS ME GUIDE CLIENTS TOWARD THE BEST HEALTH INSURANCE SOLUTIONS. NOW, AS AN INSURANCE AGENT, I USE MY EXPERTISE TO HELP INDIVIDUALS AND FAMILIES FIND THE RIGHT COVERAGE TO PROTECT WHAT MATTERS MOST. WITH A STRONG PASSION FOR HELPING PEOPLE, I STRIVE TO PROVIDE PERSONALIZED SOLUTIONS AND PEACE OF MIND TO MY CLIENTS.
Expertise in Private and ACA options!
Licensed in 35 states across the nation!
Tailored solutions for
Individuals
PROTECT YOUR HEALTH WITH A CUSTOMIZED INSURANCE PLAN MADE JUST FOR YOU. I’LL HELP YOU FIND AFFORDABLE, PERSONALIZED COVERAGE THAT FITS YOUR UNIQUE HEALTHCARE NEEDS—FROM PREVENTIVE CARE TO UNEXPECTED MEDICAL COSTS.
families
SAFEGUARD YOUR FAMILY’S HEALTH WITH PERSONALIZED INSURANCE SOLUTIONS TAILORED TO EVERY NEED. WHETHER IT’S ROUTINE CHECKUPS OR UNEXPECTED MEDICAL SITUATIONS, I’LL HELP YOU FIND AFFORDABLE, COMPREHENSIVE COVERAGE THAT BRINGS PEACE OF MIND TO YOU AND YOUR LOVED ONES.
Small businesses
EMPOWER YOUR ORGANIZATION WITH CUSTOMIZED GROUP HEALTH INSURANCE PLANS. I’LL GUIDE YOU IN FINDING AFFORDABLE, HIGH-QUALITY COVERAGE THAT MEETS THE DIVERSE NEEDS OF YOUR TEAM, FROM ROUTINE CARE TO ESSENTIAL MEDICAL SUPPORT.
Risks of not having Insurance
01
Financial Exposure
Sources of Medical debt
WITHOUT HEALTH INSURANCE, YOU FACE SIGNIFICANT FINANCIAL EXPOSURE THAT CAN LEAD TO OVERWHELMING DEBT AND EVEN BANKRUPTCY.
MEDICAL COSTS, ESPECIALLY FOR EMERGENCIES LIKE HEART ATTACKS OR SURGERIES, CAN REACH TENS OR EVEN HUNDREDS OF THOUSANDS OF DOLLARS, LEAVING UNINSURED INDIVIDUALS TO PAY THE FULL, UNDISCOUNTED PRICE.
WITHOUT COVERAGE, MANY DELAY OR AVOID NECESSARY CARE DUE TO COST CONCERNS, WORSENING HEALTH CONDITIONS AND INCREASING FUTURE EXPENSES.
INSURANCE COMPANIES NEGOTIATE LOWER RATES WITH PROVIDERS, BUT WITHOUT IT, OUT-OF-POCKET COSTS FOR ROUTINE CARE, PRESCRIPTIONS, AND MAJOR MEDICAL EVENTS CAN BE DEVASTATING.
UNPAID MEDICAL BILLS CAN ALSO HARM CREDIT SCORES, LEAD TO COLLECTIONS, AND CAUSE IMMENSE STRESS, IMPACTING MENTAL HEALTH AND OVERALL WELL-BEING.
A SUDDEN ILLNESS OR ACCIDENT COULD WIPE OUT SAVINGS AND CREATE LONG-TERM FINANCIAL DISTRESS.
02
Peace of mind
HAVING HEALTH INSURANCE PROVIDES PEACE OF MIND BY ENSURING FINANCIAL PROTECTION, ACCESS TO QUALITY HEALTHCARE, AND SECURITY FOR YOU AND YOUR FAMILY. WITHOUT IT, MEDICAL EMERGENCIES, CHRONIC CONDITIONS, AND ROUTINE CARE CAN BECOME OVERWHELMING FINANCIAL BURDENS, LEADING TO STRESS, DEBT, OR EVEN BANKRUPTCY.
HEALTH INSURANCE COVERS A SIGNIFICANT PORTION OF MEDICAL COSTS, GIVING YOU ACCESS TO TIMELY TREATMENTS, PREVENTIVE CARE, AND SPECIALIST VISITS WITHOUT HESITATION. IT SAFEGUARDS AGAINST UNEXPECTED EXPENSES, ALLOWING YOU TO FOCUS ON RECOVERY RATHER THAN WORRYING ABOUT BILLS.
FOR THOSE WITH CHRONIC CONDITIONS, INSURANCE ENSURES AFFORDABLE LONG-TERM CARE AND MEDICATIONS. EMPLOYERS ALSO BENEFIT BY OFFERING HEALTH COVERAGE, IMPROVING EMPLOYEE WELL-BEING AND RETENTION.
MOST IMPORTANTLY, HAVING HEALTH INSURANCE MEANS YOU CAN CONFIDENTLY PLAN FOR THE FUTURE, KNOWING YOU AND YOUR LOVED ONES ARE PROTECTED AGAINST LIFE’S MEDICAL UNCERTAINTIES.
IT’S NOT JUST ABOUT COVERING MEDICAL BILLS—IT’S ABOUT ENSURING FINANCIAL STABILITY, REDUCING ANXIETY, AND PRIORITIZING YOUR HEALTH WITHOUT FEAR OF FINANCIAL RUIN.
Financial Protection
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Emergency Coverage
✦
Preventative Care
✦
Prescription Coverage
✦
Hospitalization Support
✦
Surgery Coverage
✦
Accident Protection
✦
Dental & Vision
✦
Tax Benefits
✦
Affordable rates
✦
Financial Protection ✦ Emergency Coverage ✦ Preventative Care ✦ Prescription Coverage ✦ Hospitalization Support ✦ Surgery Coverage ✦ Accident Protection ✦ Dental & Vision ✦ Tax Benefits ✦ Affordable rates ✦
FAQ’s
“Can I change my health insurance plan mid-year?”
YOU CAN USUALLY CHANGE YOUR HEALTH INSURANCE ONLY DURING OPEN ENROLLMENT, UNLESS YOU QUALIFY FOR A SPECIAL ENROLLMENT PERIOD (SEP) DUE TO A LIFE EVENT LIKE MARRIAGE, BIRTH, OR LOSS OF COVERAGE. EMPLOYER PLANS ALLOW CHANGES DURING ANNUAL ENROLLMENT OR AFTER A QUALIFYING EVENT. PRIVATE HEALTH INSURANCE PLANS MAY OFFER MORE FLEXIBILITY, ALLOWING CHANGES YEAR-ROUND DEPENDING ON THE INSURER.
HMO, PPO, EPO, AND POS PLANS DIFFER IN PROVIDER FLEXIBILITY, REFERRALS, AND OUT-OF-NETWORK COVERAGE. HMO PLANS REQUIRE A PRIMARY CARE PHYSICIAN (PCP), REFERRALS FOR SPECIALISTS, AND ONLY COVER IN-NETWORK CARE (EXCEPT EMERGENCIES), MAKING THEM COST-EFFECTIVE. PPO PLANS OFFER MORE FLEXIBILITY, ALLOWING VISITS TO BOTH IN-NETWORK AND OUT-OF-NETWORK PROVIDERS WITHOUT REFERRALS BUT COME WITH HIGHER COSTS. EPO PLANS ARE A MIDDLE GROUND, COVERING ONLY IN-NETWORK CARE BUT WITHOUT REFERRAL REQUIREMENTS. POS PLANS COMBINE HMO AND PPO FEATURES, REQUIRING A PCP AND REFERRALS, BUT OFFERING SOME OUT-OF-NETWORK COVERAGE AT A HIGHER COST.
“What is the difference between an HMO, PPO, EPO, and POS plan?”
THE AFFORDABLE CARE ACT (ACA) MAKES HEALTH INSURANCE MORE ACCESSIBLE BY REQUIRING COVERAGE FOR ESSENTIAL BENEFITS, PROHIBITING DENIALS FOR PRE-EXISTING CONDITIONS, AND OFFERING INCOME-BASED SUBSIDIES. YOU CAN ENROLL IN A MARKETPLACE PLAN DURING OPEN ENROLLMENT OR A SPECIAL ENROLLMENT PERIOD. EMPLOYERS WITH 50+ EMPLOYEES MUST OFFER COVERAGE, AND LOW-INCOME INDIVIDUALS MAY QUALIFY FOR MEDICAID EXPANSION IN SOME STATES.
“What is the Affordable Care Act (ACA), and how does it affect me?”
“What is COBRA insurance, and how does it work?”
COBRA INSURANCE ALLOWS YOU TO KEEP YOUR EMPLOYER-SPONSORED HEALTH PLAN AFTER LOSING YOUR JOB, REDUCING WORK HOURS, OR EXPERIENCING CERTAIN LIFE EVENTS. IT PROVIDES TEMPORARY COVERAGE (USUALLY UP TO 18-36 MONTHS) BUT REQUIRES YOU TO PAY THE FULL PREMIUM, INCLUDING THE PORTION YOUR EMPLOYER PREVIOUSLY COVERED, PLUS A SMALL ADMIN FEE. THIS CAN BE EXPENSIVE, BUT IT ENSURES CONTINUED COVERAGE WHILE YOU TRANSITION TO A NEW PLAN.
