Affordable Florida Health & Medicare Insurance

ACA Health Insurance

Affordable Health Insurance Plans That Work For You. Explore comprehensive coverage and potential premium savings for eligible households.

Why Choose Our Service:

• Licensed Broker Support: Expert guidance from Mercy’s local Miami team.
• Simplified Enrollment: A streamlined, stress-free enrollment process.
• Quote Comparison: Review available South Florida carriers and plans side by side.

Policy Benefits Often Include:

• Subsidized Marketplace Plans: Access Obamacare and financial assistance.
• Preventive Care: Eligible in-network checkups and screenings may be covered without cost sharing.
• Copay Structures: Compare plan-specific costs for services and prescriptions.
• Provider Networks: Check current carrier directories before enrollment.

Medicare Insurance

Compare and Simplify Your Medicare Selection Easily compare top Medicare Advantage, Medigap and Part D plans. Turning 65? Already enrolled? We make the comparison and enrollment process easier to understand.

What We Offer:

• Medicare Advantage (Part C) with Benefits
• Medigap Supplements to Cover Out-of-Pocket Gaps
• Prescription Drug Plans (Part D) to Lower RX Costs

Why Us?

• ✓ Compare top Medicare plans in your specific zip code
• ✓ Expert help with enrollment and plan changes
• ✓ Local Miami support in states where Mercy is licensed
• ✓ Schedule a free, zero-pressure consultation

Life Insurance

Coverage That Protects What Matters Most. Help protect your family’s financial future, cover final expenses, or build cash value with a reliable life insurance policy tailored to your goals.

Options We Offer:

• Term Life Insurance: Affordable protection for families when they need it most.
• Whole Life: Permanent coverage that builds long-term cash value over time.
• Final Expense: Specialized plans to cover end-of-life costs for residents.
• Simplified Issue: Some products may not require a traditional medical exam; eligibility, approval, and timing depend on carrier underwriting.

Why It Matters:

• ✓ Provide a death benefit that is generally income-tax-free for beneficiaries
• ✓ Create financial protection for your loved ones
• ✓ Compare available premiums, policy terms, and underwriting requirements

Indemnity & Supplemental

Insurance Cash Benefits When You Need Them Most

Supplemental policies may pay fixed cash benefits for covered events, subject to the policy’s eligibility rules, limits, exclusions, and waiting periods.

Coverage For Unexpected Costs:

• Hospital Stays: Some policies include benefits for covered admissions or ICU care.
• Accidents & Injuries: Accident policies may cover listed services and injuries.
• Critical Illness: Eligible diagnoses may trigger a defined policy benefit.
• Cancer Care: Certain policies include benefits for covered cancer treatment.
• Disability: Separate disability policies may replace part of eligible income.

Why Add An Indemnity Plan?

• ✓ May help with eligible costs not paid by major medical coverage.
• ✓ Benefits are paid according to the selected policy’s terms.
• ✓ Can complement major medical coverage when the policies are compatible.

Dental and Vision

Affordable Dental and Vision Coverage

Get dental and vision plans with preventive care designed for your family’s budget.

Benefits Include:

• Eligible cleanings, exams, and diagnostic X-rays
• Plan-specific benefits for basic and major dental services
• Vision options that may include exams, glasses, or contacts
• Some plans offer discount programs for additional services

Why It’s Worth It:

• ✓ Compare preventive and major-service benefit schedules
• ✓ Check current participating provider networks
• ✓ Review effective dates and waiting periods by plan

Private & Short-Term Health Insurance

Flexible temporary health coverage for freelancers and gap periods

Ideal For:

• Professionals or students waiting on employer benefits
• Freelancers needing reliable private health insurance
• Eligible temporary residents reviewing limited-duration coverage

Key Advantages:

• Application and effective-date timing varies by carrier and applicant
• Available deductibles and benefit levels vary by policy
• Medical underwriting, exclusions, and coverage limits may apply
• Short-term coverage is not ACA-compliant major medical insurance

International Medical & Travel Insurance

Travel medical options for digital nomads, students, expatriates, and other eligible travelers. Benefits differ by policy, destination, trip length, residency, and visa requirements.

Available Benefits May Include:

• Emergency medical, evacuation, or repatriation benefits
• Eligible inpatient or outpatient care within the policy network
• Separate travel benefits for certain delays or baggage losses

Why Choose This:

• ✓ Compare geographic coverage and current provider-assistance networks
• ✓ Review claim procedures before traveling
• ✓ Confirm the policy satisfies any applicable visa rules
• ✓ Request available proof of coverage when required

Small Business Group Health Insurance

Cost-effective employee benefits for growing teams Equip your staff with top-tier group medical insurance covering hospital visits, preventive screenings, and wellness programs, all designed to fit your local company's specific budget.

Includes:

• Full inpatient and outpatient medical coverage
• Annual wellness exams and preventive screenings
• Maternity and newborn healthcare services
• Flexible dental and vision add-ons

Why Choose This:

• ✓ Budget-friendly plans for teams of 2–50 employees
• ✓ Tax-advantaged health benefits for business owners
• ✓ Strengthen employee retention and workplace morale
• ✓ Seamless digital claims through local South Florida networks
• ✓ Build a custom plan with wellness tracks and extra coverage