About Our Palmetto Health Insurance Agency
We are a licensed independent insurance agency that helps people find health coverage that fits their budget and their doctors. We shop 50+ insurance carriers, lay the options out side by side, and tell you plainly what each plan does and does not cover.
How We Work With You
A lot of our clients reach us after trying to sort it out alone. A renewal notice came with a bigger premium, a new job offers no benefits, or a baby is on the way and nothing looks simple. Our first step is to listen. Which doctors matter to you? What prescriptions do you fill? What does an ordinary year cost, and what would a hard one cost?
Because we are independent, no one carrier owns us. We line up plans from several companies and walk through the parts that matter: monthly premium, deductible, copays, out-of-pocket maximum and whether your doctors are in network. That includes ACA Marketplace plans and private plans sold off the Marketplace. Sometimes the cheapest premium costs more by year's end, and we point that out when it happens.
Come by our office, or talk with us by phone or video if that is easier. The consultation is free. The carrier whose plan you pick pays us, so you never pay for our review and we gain nothing by steering you to one plan. Our goal is a plan that fits. We look after every client the way we would hope a neighbor would look after us.
How We Treat Clients
Clear answers, no pushing
We put terms like coinsurance and network tier into plain language. If your current plan already fits, we say keep it. You make the call when you're ready.
Help after enrollment
Questions surface once coverage begins. A claim is denied, a bill seems wrong, or your doctor leaves the network. Call us and we'll help sort out what happened and who to contact.
A new review each open enrollment
Plans and premiums shift every year. We look at your coverage before the deadline so a plan that got worse doesn't catch you off guard.
Dental, vision and accident plans as well
We also help with dental insurance, vision insurance and accident insurance, so everything can be handled in one conversation.
Serving Palmetto and Nearby Towns
We work with clients in Palmetto and around it, including Memphis, Ellenton, Bradenton, South Bradenton, West Bradenton, Bayshore Gardens, Samoset, West Samoset, Cortez and Longboat Key. Since we also meet by phone and video, distance is rarely an issue. Networks can differ a lot from one plan to the next, so we check which doctors and hospitals near you each plan includes before you sign up.
- Palmetto
- Memphis
- Bradenton
- South Bradenton
- West Samoset
- Ellenton
- Samoset
- West Bradenton
- Bayshore Gardens
- Longboat Key
- Cortez
Let's Look at Your Options Together
Tell us what you have now and what you need from your coverage. We will come back with side-by-side plan options from multiple carriers, at no cost to you.