Terms and Conditions

What This Site Is For

This website belongs to Private Health Insurance Palmetto, serving clients in Palmetto, FL and the surrounding area. It explains the kinds of health, dental, vision and accident coverage we help people compare. By using the site, you agree to these terms. If you do not agree, please stop using it.

General Information, Not Advice

What you read here is general. Premiums, deductibles, networks and benefits differ from one carrier to the next, and they change from year to year. Nothing on this site is a quote, an offer of coverage or advice about your own situation.

The plan documents from the carrier are what count. Read them before you sign up, and ask us about anything that seems unclear.

Calling Us Does Not Start Coverage

A phone call or a consultation with us does not put any plan in force. Coverage begins only after a carrier accepts your enrollment and your first premium is paid. Dates and rules for open enrollment and special enrollment are set by law and by the carriers, not by us.

How We Get Paid

There is no fee for the consultation. It costs you nothing to have us check, because we are paid by the company you choose, not by you.

The Phone Is How You Reach Us

This site has no forms, logins or online sign-up. To talk about plans, reach us at (941) 304-1818. Share only what you are comfortable sharing, and we will use it to help you compare options. Our Privacy Policy explains how we treat that information.

Outside Sites and Limits

We may mention carriers or government programs that run their own websites. We do not control those sites and are not responsible for what they say or do.

We work to keep this site accurate, but we cannot promise every detail is current. We are not liable for losses that come from relying on the general information here instead of talking with us or reading your plan documents. These terms are governed by the laws of the State of Florida.

Changes to These Terms

We may update these terms when our site or our work changes. The version posted here is the one that applies. If you have a question about any of it, give us a call and we will talk it through in plain words.