Voted Best Benefits Practice in Pinellas, three years running Annual Enrollment runs 15 October to 7 December.

Book your review

(727) 555-0241hello@harborlightbenefits.com

Mon - Thu 8:30am - 5:30pmTTY 711Se habla español

No cost to you. Call(727) 555-0241
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Consultant discussing financial plans with senior clients in a modern office setting, using documents and a laptop.

Independent and multi-carrier. There is no cost to you for our help on any line below.

All nine coverage lines
Serious young Hispanic female freelancer in casual outfit surfing on laptop at table near cup with drink at bright home with wardrobe with garments and plant with green leaves

Independent and multi-carrier. There is no cost to you for our help on any line below.

All nine coverage lines
A diverse group of professionals discussing project plans in a modern office setting.

Independent and multi-carrier. There is no cost to you for our help on any line below.

All nine coverage lines
A financial advisor discussing investment options with an elderly couple in a cozy living room.

Independent and multi-carrier. There is no cost to you for our help on any line below.

All nine coverage lines

Events

Come to a session before you ever call us

An hour of explanation, a question period that runs as long as it runs, and a card on the way out only if you want one. No dinner attached to a signature.

FreeEnglish and EspañolNothing sold in the room
A business seminar with a speaker addressing an attentive audience in a modern conference setting.
  • SeminarTuesday 14 October

    Turning 65: the seven-month window

    The session we run most often. What the Initial Enrollment Period actually is, when to delay Part B, and the one supplement rule that is easy to miss.

    Time
    10:00 am - 11:15 am
    Where
    Mirror Lake Community Library, community room, St. Petersburg
    Capacity
    32 seats
    Language
    English
    What is covered
    • Parts A, B, C and D in plain words, with no acronym left undefined
    • Your seven-month window and what each month does to your start date
    • Delaying Part B while working: when it is safe and when it is expensive
    • The six-month Medigap window and why it changes the Advantage decision
    • Open questions, as long as they last. Nothing is sold in the room
    Save a seatCall (727) 555-0241
  • WebinarThursday 16 October

    Annual Enrollment Period: what to re-check

    For people already on a plan. What changes every year, how to read your Annual Notice of Change, and the three things worth checking before 7 December.

    Time
    6:30 pm - 7:30 pm
    Where
    Online, link sent on registration, Online
    Capacity
    Unlimited
    Language
    English
    What is covered
    • Reading the Annual Notice of Change without falling asleep
    • Checking your doctors against next year's network file
    • Re-running your medication list against next year's formulary
    • What AEP can and cannot change, and what OEP is for in January
    • Live questions
    Save a seatCall (727) 555-0241
  • SeminarSaturday 18 October

    Medicare en español: sus opciones

    The same material as our English seminar, delivered entirely in Spanish, with printed plan summaries in Spanish to take home.

    Time
    10:00 am - 11:30 am
    Where
    Pinellas Park community room, Pinellas Park
    Capacity
    28 seats
    Language
    Español
    What is covered
    • Las partes A, B, C y D explicadas con claridad
    • Su período de inscripción inicial de siete meses
    • Medicare Advantage frente a un suplemento
    • Cómo funciona la Parte D y la ayuda adicional
    • Preguntas, sin presión y sin venta en la sala
    Save a seatCall (727) 555-0241
  • WebinarWednesday 5 November

    Health cover when you work for yourself

    A lunchtime session for 1099 earners. Estimating income for the Marketplace, what happens when you are wrong, and whether an HSA earns its keep.

    Time
    12:00 pm - 12:45 pm
    Where
    Online, link sent on registration, Online
    Capacity
    Unlimited
    Language
    English
    What is covered
    • What counts as household income when you are self-employed
    • Premium tax credits and the reconciliation at tax time
    • Silver with cost-sharing reductions against Bronze plus an HSA
    • Reporting a mid-year income change in about ten minutes
    • Questions
    Save a seatCall (727) 555-0241
  • Office hoursThursday 13 November

    Part D clinic: bring your medication list

    Drop in with your prescription list and we run it against every standalone Part D plan available at your address. No appointment, no charge, no follow-up calls unless you ask for them.

    Time
    9:00 am - 2:00 pm
    Where
    Harborlight office, 2210 Central Avenue, St. Petersburg
    Capacity
    Drop-in, 20-minute slots
    Language
    English and Español
    What is covered
    • Bring: prescription names, strengths, doses and your preferred pharmacy
    • We check tier placement, quantity limits and prior authorisation flags
    • We project the full year, not the monthly premium
    • We screen for Extra Help while you are here
    • You leave with a printed comparison, whatever you decide
    Save a seatCall (727) 555-0241
  • RadioEvery other Friday

    The Benefits Minute, on local AM radio

    One rule per segment, explained in six minutes. Past episodes have covered the Part D penalty, what creditable coverage means, and why January is when networks bite.

    Time
    8:40 am, roughly 6 minutes
    Where
    Local AM community affairs slot, Tampa Bay
    Capacity
    Listen live or catch the recap
    Language
    English
    What is covered
    • One narrow topic per episode, never a sales pitch
    • Listener questions read out and answered on air
    • Transcripts posted to the guides section afterwards
    • No phone number given out during the segment, by choice
    Save a seatCall (727) 555-0241

What a session is actually like

  • No applications are taken in the room, and no plan is recommended from the front.
  • Printed handouts in English or Spanish, with the acronyms defined on page one.
  • Questions taken until they stop, including the awkward ones about how we are paid.
  • An interpreter or an accessible venue arranged on three business days' notice.
  • No attendance list sold, shared or passed to a carrier. Ever.
Attendees listening at a community benefits workshop

Sessions are free and nothing is sold in the room. Seats are limited where a room is involved; call the office for accommodation requests.

Call to reserve a seat, or just turn up.

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) 555-0241

Mon - Thu 8:30 am - 5:30 pm · Friday 8:30 am - 3:00 pm · TTY 711 · Se habla español

Talk to an advisorSave a seat at a seminar

No cost to you, ever. We are compensated by carriers, not by the people we advise.

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