Terms and Conditions

What These Terms Cover

These terms apply to anyone who reads or uses this website, run by Private Health Insurance Lutz in Lutz, FL. By using the site, you agree to them. If you do not agree, please stop using the site. Nothing here limits any rights you have under Florida or federal law.

General Information, Not Personal Advice

Our pages explain how health, dental, vision and accident coverage works: what a premium pays for, how a deductible differs from an out-of-pocket maximum, when open enrollment runs. That explanation is general. It cannot account for your income, your doctors, your medications or the plans sold where you live.

Reading a page does not make you a client, and it does not create an advisor relationship. Advice that fits your situation starts with a conversation by phone or video.

No Coverage Until a Carrier Approves It

Nothing on this site is a quote, an offer of insurance or a promise of coverage. Benefits, networks, premiums and eligibility rules are set by each insurance carrier and by government programs, and they change from year to year. Coverage begins only when a carrier accepts your application and the policy's effective date arrives. The policy documents the carrier issues are what control your benefits.

Calling Us

The phone is the only way to reach us through this site, at (813) 565-3269. When you call, share only what you are comfortable sharing. What you tell us is used to look at plan options with you, and how we handle it is described in our Privacy Policy.

Accuracy of What You Read

We try to keep plan terms, dates and rules current, but carriers revise benefits and enrollment periods can shift. Some details may be out of date by the time you read them. Before you make a decision, confirm the specifics with us by phone and with the plan's own documents.

Use of Site Content

The text and layout of this website belong to us. You are welcome to read, print or share pages for personal use. Copying the content to republish it, sell it or present it as your own is not allowed without our permission.

Limits on Responsibility

We provide this website as it is. To the extent the law allows, we are not responsible for losses that come from relying on its general information, from brief outages, or from errors in details supplied by carriers or third parties.

Changes and Governing Law

We may update these terms as the site changes. The current version is the one posted on this page. These terms are governed by the laws of the State of Florida.