Products
Health & Personal Insurance In Tampa, Florida
At Alliance Health Group, we help individuals and families worry less about their insurance protection, so they can spend time on the things most important to them. With our wide selection of products and carriers, we’re the only agency you need for all of your personal insurance needs.
Health Insurance
Because protecting one of your most valuable assets is serious business.
Group Insurance
We’ll proactively shop the market to find the best combination of coverage and price.
Life Insurance
Protect those who rely on you the most so they can maintain their lifestyle should you pass on.
Personal Insurance
Maximum coverage for your home and auto policies for pennies on the dollar.
Specialty Insurance
When you need robust insurance for your toys, we’ll ensure you can keep having uninterrupted fun.
Medicare Insurance
It’s critical that you get thorough and unbiased advice when it comes to choosing between Original Medicare and Medicare Advantage, we can help
Fast Turnaround
Bringing efficiency to everything we do to get you covered quickly.
Proactive Service
Our account managers are here to help you whenever you need it.
Carrier Selection
Our wide range of business insurance carriers ensures great pricing.
Personal Client Since 2016
We never knew it could be this easy...
“In the past, I’ve always tried to shop for my own insurance. The problem was, I didn’t really understand what I was looking at, and always felt like I was “getting sold” a bill of goods. Finally I decided to leave it up to a professional, and I’m so glad I did. Guidelight Insurance has been great from the beginning. We have fantastic rates, and I finally understand my coverages! I highly recommend them!”
Our Products
Medicare Supplement
Medicare Supplement insurance in Tampa, Florida, often referred to as “Medicare gap” insurance, is designed to cover the difference between what you are billed by a medical provider and what Medicare actually covers.
We'll help you make sense of Medicare Supplement Insurance in Tampa, Florida
Medicare Supplement insurance in Tampa, Florida, often referred to as “Medicare gap” insurance, is designed to cover the difference between what you are billed by a medical provider and what Medicare actually covers.
Because Medicare has cost sharing of 80/20, Medicare beneficiaries in Tampa, Florida are responsible for 20% of a Medicare-covered claim under Part B (medical insurance portion) of Medicare in Tampa, Florida.
This means that if you are covered under Medicare and it is your only source of insurance, having the proper Medicare Supplement plan in Tampa, Florida is a critical component.
If you are covered by both Medicare and a group insurance plan, either through your own employment or a spouses, you may not need your own stand-alone Medicare Supplement coverage because your group insurance could be functioning as your supplement.
There are multiple Medicare Supplement plans in Tampa, Florida to choose from, with varying coverage limits and pricing. Choosing the wrong plan can result in thousands of dollars in out-of-pocket costs, so it’s important that you choose wisely with the guidance of a knowledgeable medicare supplement provider.
Call our office today for personalized guidance with choosing your Medicare Supplement coverage.
As a Health Insurance Company in Tampa, FL we have access to multiple Medicare Supplement companies and plans in Tampa, Florida, such as Medicare Advantage Plans, so we can truly find the best possible plan and price for your unique situation and needs.
Medicare Part D
Choosing the right Medicare Part D plan in Tampa can be a confusing and daunting task. There are so many plans to choose from, and unless you understand the coverages, deductibles and formularies, you could make a mistake that you can’t take back,
Are you looking for a Medicare Part D Insurance in Tampa, Florida?
Choosing the right Medicare Part D plan in Tampa can be a confusing and daunting task. There are so many plans to choose from, and unless you understand the coverages, deductibles and formularies, you could make a mistake that you can’t take back, that could cost you thousands of dollars in out-of-pocket costs.
What’s more, each year Medicare Part D insurance in Tampa, Florida change their pricing, coverages and formulary, so it’s imperative that you stay up to date on your plan and formulary. Your medicare part D plan in Tampa, Florida should be reevaluated each year during the open enrollment period.
Our healthcare insurance company in Tampa can help you choose the best possible Medicare plan in Tampa, such as Medicare advantage plans, long term care insurance, home healthcare insurance, and more.
Call or click today to get started with your drug plan comparison.
Home Healthcare Insurance
Home health care in Tampa, Florida is a wide range of health care services that can be given in your home for an illness or injury.
Looking for Home Health Care in Tampa, Florida?
Home health care in Tampa, Florida is a wide range of health care services that can be given in your home for an illness or injury. It is usually less expensive, more convenient, and just as effective as the care you would get in a hospital or skilled nursing facility (SNF).
Examples of skilled home health services include:
- Wound care for pressure sores or a surgical wound
- Patient and caregiver education
- Intravenous or nutrition therapy
- Injections
- Monitoring serious illness and unstable health status
The goal of home health care in Tampa, FL is to treat an illness or injury. Home health care helps you get better, regain your independence, and become as self-sufficient as possible.
If you get your Medicare benefits through a Medicare health plan in Tampa, check with your plan to find out how it gives your Medicare-covered home health benefits.
If you have a Medicare Supplement Insurance (Medigap) policy, long-term care coverage, or other health insurance coverage, tell your doctor or other health care provider so your bills get paid correctly.
If your doctor or referring health care provider in Tampa, Florida decides you need home health care, they should give you a list of agencies that serve your area, but must tell you whether their organization has a financial interest in any agency listed.
What should I expect from Home Health Care in Tampa, Florida?
Doctor’s orders are needed to start care. Once your doctor refers you for home health services in Tampa, the home health agency will schedule an appointment and come to your home to talk to you about your needs and ask you some questions about your health.
The home health agency staff will also talk to your doctor about your care and keep your doctor updated about your progress.
It’s important that home health staff see you as often as the doctor ordered.
Examples of what the home health staff should do:
- Check what you’re eating and drinking.
- Check your blood pressure, temperature, heart rate, and breathing.
- Check that you’re taking your prescription and other drugs and any treatments correctly.
- Ask if you’re having pain.
- Check your safety in the home.
- Teach you about your care so you can take care of yourself.
- Coordinate your care.
This means they must communicate regularly with you, your doctor, and anyone else who gives you care.
How to get started on your quote
To get started on your quote, call AHG Brokers today or click over to our quotes page.
Either way we’ll make the process simple!
Medicare Advantage Plans
When someone becomes eligible for Medicare, unless they are covered by a group plan of some kind, they have two options — Original Medicare or Medicare Advantage (Medicare Part C).
Looking for a Medicare Advantage plan in Tampa, Florida?
When someone becomes eligible for Medicare, unless they are covered by a group plan of some kind, they have two options — Original Medicare or Medicare Advantage (Medicare Part C).
Medicare Advantage Plan in Tampa, FL is an alternative to the government issued “Original Medicare” program, and is administered by private insurance companies in Tampa, Florida, not the government.
Combining the hospital, medical, and prescription drug coverages into one plan is one of the benefits of medicare advantage plans in Tampa, FL . This means if you are in a Medicare Advantage plan in Tampa, Florida, you will have one identification card.
Medicare Advantage plan in Tampa are different from Original Medicare in many ways, including pricing, coverage levels, co-insurance, deductibles and more. There are also special rules surrounding Medicare Advantage plans.
It’s critical that you get thorough and unbiased advice when it comes to choosing between Original Medicare and medicare advantage plan in Tampa FL, because in some scenarios your final choice cannot be “undone”.
Because we are an independent agency in Tampa, Florida, we can provide you with objective advice that will educate you on the differences, pros and cons, and ultimately help you make your decision much easier.
How to get started on your quote
To get started on your quote, call our office or click over to our quotes page.
Either way we’ll make the process simple!
Long Term Care Insurance
Many people get overly concerned with their health insurance and/or Medicare, but its lack of Long Term Care coverage that often times will financially cripple you.
Looking for Long Term Care Insurance in Tampa, Florida?
Many people get overly concerned with their health insurance and/or Medicare, but its lack of Long Term Care coverage that often times will financially cripple you.
Long Term Care expenses in Tampa, Florida are the leading cause of bankruptcy during retirement, and the statistics show that over 75% of people over the age of 65 will need some form of Long Term Care at some point during their retirement.
It’s not a matter of if you will need Long Term Care in Tampa, it’s when and with the cost of Long Term Care inflating at record pace, not planning ahead will result in serious financial hardship at a time when you are supposed to be living out the rest of your life in peace.
When most people think of Long Term Care insurance in Tampa, Florida, they think of a traditional LTC policy, however there are several different ways to fund long term care outside of the typical LTC policy.
With more creative and flexible insurance products on the market now, it’s important to evaluate every single option you have, and thats exactly what we can help you do, so you can live the rest of your retirement knowing that you won’t be financial destroyed, or financial destroy someone else like a child or relative.
If you need assistance from a health insurance provider with any type of senior insurance product in Tampa, Florida, such as Medicare Part D, Hospital Indemnity Insurance, and Medicare Advantage Plans, be sure to give us a call, or head over to our contact page to begin the process.
How to get started on your LTC quote
To get started on your quote, call our office or click over to our quotes page.
Either way we’ll make the process simple!
Hospital Indemnity Insurance
When you’re hospitalized, chances are there will be expenses that you have to pay yourself, even with an existing healthcare plan.
Looking for Hospital Indemnity Insurance in Tampa, Florida?
When you’re hospitalized, chances are there will be expenses that you have to pay yourself, even with an existing healthcare plan. A hospital indemnity insurance plan in Tampa, Florida can cover a percentage of your income while you’re out of work and in the hospital.
It provides a cash benefit paid directly to you, which can help with your out-of-pocket expenses. One form of this plan is known as hospital confinement indemnity insurance.
While traditional health insurance in Tampa, Florida pays for specific medical services after deductible or copayment amounts are satisfied, hospital indemnity insurance in Tampa triggers coverage when specific events associated with hospital stays occur.
A type of supplemental insurance, hospital indemnity plans pay out when a policyholder checks into a hospital for an overnight stay, entitling him to claim a certain amount – say $450 – against the policy.
For each additional night’s stay he can add another $450 on top. A three-day sojourn at the local infirmary would entitle him to $750 and so on.
In addition to a hospital per diem, a more robust plan might feature payments per ambulance trip, surgery or maternity visit, or increased payments for intense ailments such as stroke or cancer. Benefits can disburse in lump sums for short admittances or on a daily or weekly basis during longer visits.
How to get started on your quote
To get started on your quote, call our office or click over to our quotes page.
AHG brokers will help you choose from our wide array of insurance products, such as Medicare part D, disability insurance, medicare advantage plans, and more!
Disability Insurance
Alliance Health Group has got you covered!
Throughout your working lifetime, you are three times more likely to become disabled than you are to die before age 65. Makes a convincing case for having disability insurance, right?
Looking for Disability Insurance in Tampa, Florida?
Alliance Health Group has got you covered!
Throughout your working lifetime, you are three times more likely to become disabled than you are to die before age 65. Makes a convincing case for having disability insurance, right?
Why then is it that people have historically been more likely to buy life insurance, not disability insurance?
The answer is simple: insurance consumers are confused by disability insurance in Tampa, Florida. There are so many terms to understand that people typically give up, and end up not purchasing coverage at all.
If that sounds like you, don’t worry. The team at Alliance Health Group is here to help.
Disability Insurance in Tampa, Florida is critical in ensuring that your income is protected in the event you can no longer work due to an injury or illness.
If you search the internet you’ll see a ton of different results from companies and brokers in Tampa, Florida claiming to offer the best policy, but it’s important that you understand this type of coverage before you make a decision.
The Two different types of Disability Insurance in Tampa, Florida
There are two different types of disability coverage in Tampa, Florida:
Long Term Disability
Long Term Disability (LTD) policies in Tampa, Florida have a waiting period of several weeks to several months with a maximum benefit period ranging from a few years to the rest of your life
Short Term Disability
Short Term Disability (STD) in Tampa, Florida policies have a waiting period of 0 to 14 days with a maximum benefit period of no longer than two years.
Important Disability Insurance Conditions in Tampa, Florida
Non-cancelable
This means the policy cannot be canceled by the insurance company, except for nonpayment of premiums. This gives you the right to renew the policy every year without an increase in the premium or a reduction in benefits.
Guaranteed renewable
This gives you the right to renew the policy with the same benefits and not have the policy canceled by the company. However, your insurer has the right to increase your premiums as long as it does so for all other policyholders in the same rating class as you.
More things to consider
In addition to the traditional disability policies in Tampa, Florida, there are several options you should consider when purchasing a policy:
- Additional purchase options
Your insurance company gives you the right to buy additional insurance at a later time. - Coordination of benefits
The amount of benefits you receive from your insurance company is dependent on other benefits you receive because of your disability. Your policy specifies a target amount you will receive from all the policies combined, so this policy will make up the difference not paid by other policies. - Cost of living adjustment (COLA)
The COLA increases your disability benefits over time based on the increased cost of living measured by the Consumer Price Index. You will pay a higher premium if you select the COLA. - Residual or partial disability rider
This provision allows you to return to work part-time, collect part of your salary and receive a partial disability payment if you are still partially disabled. - Return of premium
This provision requires the insurance company to refund part of your premium if no claims are made for a specific period of time declared in the policy. - Waiver of premium provision
This clause means that you do not have to pay premiums on the policy after you’re disabled for 90 days.
If this sounds confusing, don’t worry. The team at Alliance Health Group is here to walk you through your options, such as long term care insurance, medicare part D, medicare supplement, hospital indemnity insurance and more to make sure you get the best possible coverage for your needs and budget.
How to get started on your quote
To get started on your quote, call our office or click over to our quotes page. Either way we’ll make the process simple!