Carrier panel
Who we can quote, and why the panel matters
Independent means we represent the market rather than a company. The practical test of that is the list below, and whether it is long enough on the line you are actually buying.
Medicare Advantage and Part D
Availability is set county by county, sometimes by zip code.
- Kestrel Health PlansAdvantage and Part D across both counties.
- Northwind CareHMO and PPO Advantage, strong local networks.
- Cypress Ridge HealthAdvantage plans with dental allowances.
- Sandpiper Senior PlansDual-eligible and chronic-condition plans.
- Anchorline PlansPart D with preferred pharmacy pricing.
- Tidewater AssuranceSupplement and standalone Part D.
Medicare Supplement
Lettered plans are standardised, so carriers compete on price and rating method.
- Palmetto MutualSupplement plans with a long rate history.
- Ironwood MutualSupplement, with a household discount.
- Tidewater AssuranceSupplement and standalone Part D.
- Kestrel Health PlansAdvantage and Part D across both counties.
ACA Marketplace and individual
Marketplace participation changes each year. We confirm your county before quoting.
- Lanternway HealthMarketplace plans and cost-sharing Silver.
- Fernbrook HealthMarketplace and self-employed plans.
- Spindrift HealthIndividual and family cover under 65.
- Northwind CareHMO and PPO Advantage, strong local networks.
Group employee benefits
Medical, dental, vision and ancillary for Florida employers with 2 to 50 employees.
- Solace Benefit GroupGroup medical for 2 to 50 employees.
- Mirrorlake HealthGroup dental, vision and ancillary lines.
- Kestrel Health PlansAdvantage and Part D across both counties.
- Halcyon BenefitDental, vision and hearing.
Life, annuities and supplemental
Term, permanent, final expense, critical illness and hospital indemnity.
- Alderwood LifeTerm, permanent and final expense.
- Windward LifeTerm life and income protection.
- Quarrystone LifeCritical illness and hospital indemnity.
- Saltgrass BenefitAccident and supplemental cash plans.
- Halcyon BenefitDental, vision and hearing.
What a carrier panel actually changes
A panel decides what you are shown
A captive agent can only show you one company's products. If that company's plan is not the right fit for your doctors or your medication list, you will still be shown it, because it is all there is.
Appointments are per line, not per agency
An agency appointed with eight Medicare Advantage carriers may hold only three supplement appointments. Ask which carriers they can quote on the specific line you are buying.
Compensation does not vary by carrier on a line
Medicare Advantage and Part D compensation is set within federal limits, which removes most of the incentive to steer. On other lines we do not accept arrangements that pay more for one carrier over another.
Availability is local and changes annually
Plan availability is set county by county and sometimes by zip. A carrier writing in Pinellas may not write the same plan in Hillsborough, and carriers enter and leave the Marketplace each year.
What independent means here
We are independent. We are not employed by, owned by or captive to any single carrier, and we are not paid more to place one carrier over another on the same line.
We will also say when a carrier we represent is the wrong choice for you, and when the plan you already hold is the right one. Both of those cost us the sale, which is rather the point.
Ask which carriers we can quote for you.
Twenty minutes with someone who will ask for your doctor list before naming a plan. If the right answer is the plan you already have, that is what you will hear.
(727) 555-0241Mon - Thu 8:30 am - 5:30 pm · Friday 8:30 am - 3:00 pm · TTY 711 · Se habla español
No cost to you, ever. We are compensated by carriers, not by the people we advise.