Contact Our Lutz Health Insurance Agency
The phone is the one way to reach us. A short call gets you a free consultation with an advisor and side-by-side plan options from multiple carriers, each explained in plain terms.
Where we work
Lutz, FL
University, Land O' Lakes, Lake Magdalene, Northdale, Cheval, Wesley Chapel
Hours
- Mon-Thu
- 10am-7pm
- Fri
- 10am-4pm
- Sat-Sun
- Closed
All hours Eastern Time.
What happens when you call
The first few minutes go to the basics: the people the plan must cover, the physicians you see now and any medicines you refill each month. Those details point us to the provider networks and drug formularies that matter, so we can set aside plans that leave out your doctors or put your medicines in a costly tier. As an independent insurance agency, we work for you rather than for one company. We shop 50+ insurance carriers and place the closest matches next to each other.
Then we walk through each line: premium, deductible, out-of-pocket maximum and copays, plus whether a plan is an HMO or PPO and why that changes what a specialist visit costs you. There is no fee for the consultation. Having us look costs you nothing, since our commission comes from the carrier you end up picking and never from your pocket. We can talk on the phone or set up a video meeting, and you decide when or whether to enroll.
What to have ready before you call
- Dates of birth for everyone who needs coverage and the county you live in, since premiums are priced by age and location.
- Your best estimate of income for the coming year, which decides whether you qualify for ACA Marketplace savings.
- A list of your doctors and the medications you take, so we can check each plan's network and drug list.
- If you already carry coverage, keep your member ID card or that plan's benefits summary nearby so we can compare it line by line.
See your plans side by side
One conversation is enough to see how your options compare on cost and coverage. Bring your questions and we will answer each one in plain English.