Frequently asked questions
Plain answers to what people ask us most.
Short answers to what people ask us most. Call 863-308-8955 if yours is not here.
Is this Obamacare or Marketplace coverage?
No. We do not sell ACA or Marketplace plans, and nothing on this site is ACA coverage. If you want ACA coverage, visit HealthCare.gov.
Will a short-term plan cover my pre-existing condition?
Often not. Short-term medical plans commonly exclude pre-existing conditions and may exclude other benefits. Ask your agent to show you the exclusions in writing before you apply.
Can I be turned down?
Yes. Short-term medical plans usually ask health questions, and the insurer can decline an application. Fixed indemnity, dental, vision and telehealth products have their own rules.
How long does short-term coverage last?
It is temporary. Florida limits how long a plan can last and whether it can be extended, and the limits depend on when the plan is issued. Your agent will tell you the exact start date, end date and any waiting period before you apply.
Are dental, vision and telehealth insurance?
It depends on the product. Some dental and vision plans are insurance and some are discount memberships. Telehealth is usually a membership. None of them replace major medical coverage. Ask your agent which one you are being quoted.
Does a quote cost anything?
No. Requesting and receiving quotes from us is free. We may be paid by the insurance company if you buy a plan, and your agent can explain how.
Should I cancel my current coverage?
No, not yet. Keep your current coverage until the insurance company confirms in writing that your new plan is active. Do not drop major medical coverage to buy a supplemental plan.
Will I be contacted?
You will get the follow-up you asked for by email. If you gave a phone number and checked the separate consent box, an agent may also call or text. Consent to calls or texts is never required to get a quote.
Do you offer every plan in my area?
No. We offer plans only from insurance companies that have appointed us, and availability varies by county.
I live outside Florida. Can you help?
Right now we are licensed to help with Florida plans only. Outside Florida, contact your state's insurance department.
I'm 65 or older. Can I still use this site?
This site is for people under 65. At 65 most people move to Medicare. Call us and we can talk through your options.
Still have questions?
Visit our contact page, read the plan disclosures, or request a free quote.