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Best Health Insurance Agencies in Spring Hill

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Accent Insurance Group Spring Hill logo
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License Verified:

License: L088293

Florida Division of Insurance Agent and Agency Services

Accent Insurance Group Spring Hill

4098 Commercial Way, Spring Hill, FL 34606
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  • Life Insurance
  • Individual Health Insurance

Business Description

Accent Insurance Group Spring Hill helps clients in the metro shop for health protection plans that conform to their needs. It offers individual and group health insurance products that cover consumers' medical, dental, prescription, and ophthalmologic expenses. Agents of this family-owned insurance brokerage offer health policies from various providers including UnitedHealthcare, Coventry Health Care, Cigna, Humana, and Aetna. Other indemnity products offered by Accent are life, retirement, Medicare Advantage, and Medicare Supplement programs. Co-founder Cheryl Johnson handles contract evaluation and oversees the company's operation.

License Verified:

License: L088293

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Facebook
5.0 / 5 (15)
Google
4.8 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Ayinde Matthews logo
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License Verified:

License: P226351

Florida Division of Insurance Agent and Agency Services

Ayinde Matthews

5278 Applegate Drive, Spring Hill, FL 34606
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  • Medicare Supplement Insurance

Business Description

Ayinde Matthews is an insurance agent located in the center of Spring Hill. He aims to help people achieve their future goals by offering various personal insurance products, such as auto, home, health, life, property, and pet insurance. In addition, he provides business insurance policies and financial services that involve banking and annuities. Ayinde has been a State Farm insurance representative for nine years, helping people in the local community and its nearby areas.

License Verified:

License: P226351

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (344)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Cutlip Financial logo
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License Verified:

License: L101869

Florida Division of Insurance Agent and Agency Services

Cutlip Financial

1328 Bishop Road, Spring Hill, FL 34608
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  • Health Insurance

Business Description

Cutlip Financial is an independent insurance agency serving Spring Hill and the neighboring areas. It specializes in providing health insurance solutions, including individual and group health, dental and vision, Medicare options, and Obamacare. The company also offers long-term insurance, life insurance, and retirement accounts such as traditional IRAs, Roth IRAs, and Annuities. In addition, senior citizens looking for additional coverage on top of their regular Medicare plans can choose from Medicare Advantage, Medigap, and Part D prescription drug coverage.

License Verified:

License: L101869

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (11)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Florida Best Quote Insurance logo
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License Verified:

License: L111455

Florida Division of Insurance Agent and Agency Services

Florida Best Quote Insurance

2715 Forest Rd, Suite A, Spring Hill, FL 34606
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  • Individual Health Insurance

Business Description

Florida Best Quote Insurance offers risk management solutions for personal and commercial clients in Spring Hill. It provides individual and group health insurance plans with customizable options and coverage and a choice of network and medical providers. Additionally, it has life plans that may cover funeral costs, debt settlements, and targeted costs. The agency also has policies to cover automobiles, homes, and businesses. Florida Best Quote Insurance was founded by Glenn Galish, who has over 20 years of industry experience.

License Verified:

License: L111455

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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Florida Elite Brokers logo
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License Verified:

License: L104053

Florida Division of Insurance Agent and Agency Services

Florida Elite Brokers

11217 Spring Hill Drive, Brooksville, FL 34609
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  • Life Insurance
  • Health Insurance

Business Description

Florida Elite Brokers is an insurance company serving the Spring Hill area. The health insurance service provider offers a range of Medicare coverages, such as PPO, prescription drug, Supplement, and Advantage plans. Medicare services are offered to people over 65 years of age and those with end-stage renal disease. Additionally, Florida Elite Brokers helps clients acquire dental and vision insurance. It also offers life insurance plans that include whole and final expense coverages.

License Verified:

License: L104053

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Healthcare Solutions Insurance Group Insurance Agency logo
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License Verified:

License: L092672

Florida Division of Insurance Agent and Agency Services

Healthcare Solutions Insurance Group Insurance Agency

4594 Commercial Way, Spring Hill, FL 34606
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  • Individual Plans
  • Group Plans

Business Description

Healthcare Solutions Insurance Group Insurance Agency serves Spring Hill and the surrounding areas. The company caters to clients that need assistance with their Medicare insurance and retirement. Whether it is for an individual or for a business, its professionals help customers shop for a coverage plan tailored to their needs. They provide a comparative analysis of insurance products in order for clients to review their options and benefits. The agency represents providers such as Humana, CarePlus, UnitedHealthcare, Freedom Health Plans, and Aetna Medicare.

License Verified:

License: L092672

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.6 / 5 (11)
Individual Retirement Solutions LLC logo
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License Verified:

License: L076423

Florida Division of Insurance Agent and Agency Services

Individual Retirement Solutions LLC

12577 Spring Hill Drive, Spring Hill, FL 34609
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  • Individual Health Insurance

Business Description

Individual Retirement Solutions LLC helps clients in Spring Hill make informed decisions when shopping for health policies. It assists consumers in navigating through the options from the Affordable Care Act. Its agents also present clients with details about United Healthcare products and Medicare plans. President Keith Hansen has combined experience in insurance, real estate, and finance. In addition to educating people about risk protection, he informs them about IRAs, business planning, and simplified employee pensions.

License Verified:

License: L076423

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Marsha Reiniers Insurance Services, LLC logo
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License Verified:

License: L096395

Florida Division of Insurance Agent and Agency Services

Marsha Reiniers Insurance Services, LLC

14391 Spring Hill Drive, Suite 116, Spring Hill, FL 34609
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  • Individual Plans
  • Group Plans
  • Market Place
  • Life Insurance

Business Description

Marsha Reiniers Insurance Services, LLC, offers protection coverages to clients in the Spring Hill area. Its independent insurance agent, Marsha Reiniers, helps individuals obtain Medicare and health insurance policies that cover dental care services. For services not covered by regular health insurance, she offers traditional and hybrid long-term care plans. She also assists clients seeking life insurance coverages and planning to buy an annuity. Reiniers has been in the insurance industry for close to two decades.

License Verified:

License: L096395

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (2)
Total Retirement Security logo
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License Verified:

License: L064066

Florida Division of Insurance Agent and Agency Services

Total Retirement Security

7076 Mariner Blvd, Spring Hill, FL 34609
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  • Life Insurance

Business Description

Based in Spring Hill, Total Retirement Security is a general agency that provides a wide variety of insurance options to clients in the metro. Its team of professionals assists clients in selecting a health insurance plan by conducting thorough assessments of their financial situations and identifying their goals for the future. The firm also provides other financial services, such as legacy planning and social security maximization. Managing partner, Thomas J. Tyrkala, has been helping individuals and businesses manage their finances for over 32 years.

License Verified:

License: L064066

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Facebook
5.0 / 5 (5)
Google
4.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
USA Benefits Group logo
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License Verified:

License: E115246

Florida Division of Insurance Agent and Agency Services

USA Benefits Group

404 Suzanne Drive, Spring Hill, FL 34607
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  • Life Insurance
  • Health Insurance

Business Description

USA Benefits Group has been providing the health and life insurance needs of individuals, self-employed people, and small business owners in Spring Hill since 1988. It offers a wide range of insurance products, including accident, critical illness, dental, and gap plans. Additionally, the company provides Medicare-related policies and products that cover annuities and long-term care. It partners with AllRisk in delivering risk management solutions. Moreover, USA Benefits Group conducts comprehensive training programs to keep its agents up-to-date with current trends.

License Verified:

License: E115246

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.6 / 5 (25)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
––
Detail
––
Van Wilder logo
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License Verified:

License: A284588

Florida Division of Insurance Agent and Agency Services

Van Wilder

2189 Mariner Boulevard, Spring Hill, FL 34609
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  • Life Insurance
  • Individual Health Insurance

Business Description

Van Wilder is a State Farm insurance agent who has been providing insurance options to families and individuals in the Spring Hill metro since 1978. He is committed to assisting them when changes happen in their life, offering them health insurance policies. He also guides them to other products, including life, home, property, auto, flood, and business insurance. Wilder has earned the Chartered Life Underwriter and Chartered Property/Casualty Underwriter designations. He is also active in community and church engagements.

License Verified:

License: A284588

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.8
Facebook
4.3 / 5 (24)
Yelp
2.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Back to Providers

Frequently Asked Questions

Introduction

If you're looking for health insurance for yourself or your family, an agent can help you save time, understand your options, and manage your costs. Insurance agents must be licensed in the state where they operate. They can provide information about on- and off-exchange plans to help you weigh all of your options, and they can see if you qualify for tax credits that can lower your monthly premiums. There's no cost to work with an agent, and they can help you save quite a bit by recommending the best plan for your needs. Here's what you should know before you get started.

How can you find affordable health insurance? 

Affordable insurance is available through employers, Medicare, Medicaid, and the federal Health Insurance Marketplace, which offers subsidies in the form of tax credits. You can also purchase coverage through private insurance companies and independent agents. Nearly half of all Americans have employer-sponsored health insurance, and about 10% of the population is uninsured.

What is health insurance?

Health insurance policies are contracts that require an insurer to pay some or all of a beneficiary's health care expenses in exchange for a premium and deductible. Plans cover preventive care and emergency medical services arising from an injury or illness. They may also offer optional coverage for dental and vision.

How do health insurance companies make money?

Health insurance companies make money by collecting premiums from consumers and reinvesting the funds. Federal law requires insurers to put approximately 80-85% of collected funds toward claims, and 15-20% is used to pay for administrative expenses.

What is subsidized health insurance?

Subsidized health insurance is available exclusively through the Health Insurance Marketplace. This system applies federal tax credits that can reduce or eliminate premiums. Tax credits are available to consumers who earn up to 400% of the federal poverty level based on household size.

What is a health insurance deductible? 

A deductible is a fixed amount you must pay out-of-pocket before normal copays or coinsurance rates apply. Under the Affordable Care Act, some services, such as annual physicals and wellness screenings, must be covered at no charge.

Is it illegal to not have health insurance?

No. Starting in 2019, the federal government eliminated the penalty that applied to individuals who could afford health insurance but chose not to purchase it. Financial penalties still apply in California, Massachusetts, New Jersey, Rhode Island, Vermont, and Washington, D.C.

Does health insurance cover therapy? 

All Marketplace plans must cover behavioral health care services, including counseling, inpatient care, and substance abuse treatments. However, there are coverage limits, and preauthorization may be required.

What is a copay?

A copay is a fixed price that you pay at the time of service after your deductible is satisfied. Insurance companies set specific rates for primary and specialty care and other services, such as emergency room visits and X-rays. Alternatively, plans may have coinsurance rates that require beneficiaries to pay a certain percentage of covered charges.

What is the Health Insurance Marketplace?

The Health Insurance Marketplace is a federal service designed to help consumers compare and purchase subsidized health insurance plans that comply with the Affordable Care Act. A number of states operate their own insurance marketplaces, including California, Colorado, New York, and Pennsylvania.

How can you find health insurance without a job?

Individuals who don't have access to health insurance through their job can purchase ACA-compliant plans through the Health Insurance Marketplace. Off-exchange plans are also available through private insurers and independent agents. The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives certain individuals who are losing their coverage the right to maintain the same plan for a limited time period. 

Can you cancel health insurance at any time? 

Consumers can cancel their health coverage at any time. Cancellations may be effective immediately or at a specified date. However, you must wait until Open Enrollment to sign up for a new plan unless you qualify for a Special Enrollment period.

Can you have more than one health insurance policy?

It's possible to have primary and secondary health insurance. This is most common with Medicare and Medicaid beneficiaries, including dual enrollees and individuals who purchase supplemental plans. Secondary plans can cover some additional expenses, but you're still responsible for premiums and deductibles.

Is health insurance pretax?

Premiums for employer-sponsored health plans are generally deducted from the worker's pretax income. The same is true for voluntary contributions made to Flexible Spending Accounts and Health Savings Accounts that are paired with a qualifying high-deductible health plan.

How long can a child stay on a parent\'s health insurance policy?

Children can stay on their parents' health insurance plan until their 26th birthday. There's a 60-day special enrollment period following this date. Exemptions allow disabled adult children to remain on their parents' policy beyond this age.

Do you have to pay a health insurance deductible upfront?

In most cases, out-of-pocket expenses for approved services count toward your deductible. However, it's increasingly common for hospitals to request all or part of the deductible upfront when scheduling major services, such as CT scans and surgeries.

Do employers have to offer health insurance?

The Affordable Care Act requires companies with at least 50 full-time employees to make essential health benefits available to 95% of their workforce. Companies that choose not to offer such benefits may have to pay a penalty.

Is there a tax credit for having health insurance?

The Advance Premium Tax Credit is a federal tax rebate designed to lower the cost of health insurance plans purchased through the Marketplace. Eligibility is based on income and household size. Consumers can decide how much of their tax credit to put toward their premiums.

Read all FAQs