Plan disclosures

Short-term medical

• This coverage is not required to comply with certain federal market requirements for health insurance, principally those of the Affordable Care Act.
• It may exclude or limit coverage for pre-existing conditions and for some health benefits, including maternity, mental health and prescription drugs.
• It may have annual or lifetime dollar limits and no out-of-pocket maximum.
• It is not guaranteed issue. The insurer may ask health questions and decline your application.
• It is not minimum essential coverage. If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other coverage.
• Terms are limited. Florida limits how long a plan may last and whether it may be extended. Your agent will tell you the start date, end date and any waiting period before you apply.
• You will receive written disclosures and an outline of coverage, and you will be asked to sign the required disclosure when you buy.

Hospital and fixed indemnity

THIS IS A SUPPLEMENT TO HEALTH INSURANCE AND IS NOT A SUBSTITUTE FOR MAJOR MEDICAL COVERAGE.

• These plans pay set amounts for covered events, such as a hospital stay. The amounts do not depend on your actual medical bill and can be much less than the cost of care.
• They may have waiting periods and exclusions.
• They do not satisfy ACA requirements and do not replace major medical coverage.

Dental and vision

• Some dental and vision products are insurance and some are discount memberships. A discount plan is not insurance. It gives you reduced prices from participating providers and does not pay claims.
• Insurance products may have annual maximums, waiting periods and network rules.

Telehealth

• Telehealth products are usually memberships and are not insurance.
• They are not for emergencies. In an emergency, call 911.
• Services, hours and availability vary by state and by plan.

About quotes and plan documents

• Requesting a quote is free and is not an application. We will get your permission before we submit anything.
• Plan availability, prices, benefits, exclusions and eligibility depend on your location, your health and other factors, and are confirmed only by the insurance company.
• The plan documents, including the policy and the outline of coverage, control what is and is not covered. Read them before you buy.
• We offer plans only from insurers that have appointed us, and not every plan is available in every county.
• We may be paid by insurance companies when you buy a plan.
• We cannot guarantee any amount of savings or any claim result.

Before you buy

1. Ask whether the plan is insurance, and whether it is major medical coverage.
2. Ask what is excluded, especially pre-existing conditions.
3. Ask for the start date, end date, waiting periods and limits in writing.
4. Do not cancel any current coverage until the new plan is confirmed in writing as active.
5. If anything is unclear, call us at 863-308-8955 or your state insurance regulator.