We are your trusted independent brokerage for superior coverage in Florida and Georgia. Our client-focused approach simplifies insurance, offering tailored policies following personalized risk assessments. Backed by industry expertise, we ensure reliable, satisfying coverage. Choose Lifeline Insurance Group for comprehensive and personalized insurance solutions with a commitment to excellence.

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info@lifelineins.com

+1 (305)-677-9912

+1 (786)-319-7679

Protect your health

Find the perfect health plan
for you today.

Open Enrollment runs from November 1st., 2023 until January 15th, 2024.

Get your instant quote by entering some basic information.
You’ll receive affordable plan options for you and your family.

EXISTING CLIENTS

Do you need to report any changes for this 2024 Enrollment Period? 

Explore health plans

Health plans for everyone, from the growing up to the grown-ups.

We help you navigate through the process of purchasing and understanding your health insurance options. 

Let us help you make the best choice, by saving you money and getting you the best benefits possible.

Call us to get a personalized quote

Multiple Carriers

See and compare rates from several companies and pick the best for you.

Customized Service

We'll narrow down the options to better suit your needs and explain all the benefits.

Online Enrollment

In just a few simple steps, get a new health plan for you and your family.

Get a personalized Health insurance quote

What does a healthcare plan usually cover?

All individual and family health plans have a set of minimum essential benefits required by law. Keep in mind, that for adults, dental, vision  and hearing plans are sold separately. Here are some of the benefits being offered by most health insurance carriers.

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Frequently Asked Questions

1.What should I do if I want to keep my current health insurance plan?

As long as your current information and payments are up to date, your plan will automatically renew. If applicable, you will get a new ID card in the mail, effective Jan 2023.

2.Where can I see and compare the new rates for 2023?

Starting November 1st. you can view the new rates and apply at:
https://www.healthsherpa.com

3.How does a PPO plan work?

With a PPO plan the network tends to be larger than an HMO plan. Even if you go outside your network, you still have benefits (be careful ,your deductible is higher if you go outside the network).

4.How does an HMO plan work?

You have to stay in-network and you will have no benefits if you go outside the network. Note, not all HMO’s are created equally; some have only local coverage while some offer coverage nationwide. All plans have to cover you in case of an emergency even out-of-network.

5.What is a co-payment?

It's the amount you pay at a doctor’s office or facility for a visit. This can range from $1 or even more than $100, it depends on the plan you choose. Generally, co-pays for regular doctor's visit will tend to cost less, while a specialist visit will cost you more.

6.How does an EPO work?

An Exclusive Provider Organization (EPO) is a managed cared plan where benefits are covered if you stay in the plan's network. Except in an emergency, out-of-network services are not covered.

7.What is a deductible?

It's the amount you have to pay before the insurance company will pay for certain services. Generally, you pay a deductible for hospital stays, surgeries, and other major services (check you plan benefits for details)

8.What is coinsurance?

This is a percentage you pay after you already met your annual deductible. The amount you pay has a maximum amount you have to pay which is considered your maximum out-of-pocket cost.

9.What is the difference between in-network and out-of-network providers?

The difference is that you will always pay less if you stay in-network.

10.What's the best health insurance plan for me?

Everyone's needs are different. Have one of our licensed experts help you decide what is best for you and your family.

11.Why should I shop with you rather than buy a plan elsewhere?

Not only we do help you compare all the possible options available to you, we also make sure all your needs are being satisfied at the most affordable price. We also offer customer service all year round.

12.What is a tax credit or subsidy?

Certain individuals and their families may qualify for a reduction in the health insurance premium. Depending on different factors they may receive a monthly allowance for health insurance premiums, which goes directly to the carrier they choose. To qualify you cannot be offered insurance at work, and the allowance amount varies according to your income, age and number of dependents.
Medicare recipients will not qualify for this program.