Nothing. Consultations, quotes and annual policy reviews are 100% free with Biscayne Bay Life & Health Insurance Group. Our agents are compensated directly by the insurance carriers, never by the client, so your monthly premium is identical whether you enroll alone on Healthcare.gov or through us. There are no fees, no retainers and no obligation at any point.

We specialize in 1099 and Schedule C income. Our agents model your ACA premium tax credit against the 2026 federal poverty guidelines, compare Florida Blue, Ambetter, Oscar Health, Molina, Cigna and Aetna side by side, and document your projected income correctly so you do not lose your subsidy at tax time — the single most common mistake self-employed filers make.

Most clients receive a same-day quote by phone or email, usually within 2 hours during business hours. Fully underwritten policies typically issue in 3 to 6 weeks once labs and medical records are collected, while simplified-issue and guaranteed-issue final expense policies are frequently approved in 24 to 72 hours.

Yes, and it is our busiest season. ACA Open Enrollment runs November 1 through January 15 for 2026 coverage. We build your Marketplace application with you, verify projected income, confirm your premium tax credit, and check that your Jacksonville doctors and hospitals are in-network before you submit anything.

Yes. Our agency holds Florida Department of Financial Services License 2-15 (Life, Health & Annuity) and License 2-40 (Health Insurance Only). We have been licensed in Florida since 2011, are A+ accredited by the Better Business Bureau since 2015, are NABIP members, and complete AHIP Medicare certification every year.

Absolutely, and it is free — even if you bought the policy somewhere else. We audit your death benefit, cash value, riders, premium structure and beneficiary designations, then tell you honestly whether to keep it, convert it or replace it. There is no obligation and never any pressure to change carriers.

A typical Medicare Advantage or Medigap enrollment takes 30 to 45 minutes once we compare your doctors, prescriptions and budget. Most Jacksonville clients finish in a single appointment and receive their carrier ID card within 10 to 14 days. We also offer evening video appointments until 8:00 PM ET during Annual Enrollment.

Yes. Our team provides full service in English, Spanish and Haitian Creole by phone, secure video or in person. Eight licensed agents and three bilingual support staff handle enrollments, claims and day-to-day policy service year-round, which matters a great deal for multilingual Jacksonville families.

We act as your claims advocate. Our office calls the carrier, submits the paperwork, tracks the claim status and follows up on your behalf — including death benefit claims for beneficiaries. Every client has a named contact, and every question receives a response within 24 hours, guaranteed in writing.

As of 2026, a healthy 40-year-old can typically qualify for $500,000 of 20-year term coverage starting near $32 to $52 per month, depending on health history, tobacco use and carrier underwriting. A healthy 30-year-old can often secure $250,000 of 20-year term for roughly $18 to $24 monthly. Final expense coverage generally runs $32 to $95 per month.

Yes. We design group health, dental, vision, life and disability packages for Jacksonville businesses with 5 to 50 employees, coordinate carrier quotes, and run on-site or virtual enrollment meetings so your staff understands their options. We also build Section 125 documentation and handle ongoing employee changes at no extra cost.

We have guaranteed-issue life insurance for ages 50 to 85 with no health questions and no medical exam, plus several carriers that accept controlled conditions such as diabetes, high blood pressure, high cholesterol and sleep apnea. On the health side, ACA Marketplace plans cannot deny you or charge more for pre-existing conditions.

A captive agent can only sell one company's products, and a comparison website cannot explain why a plan looks cheap but excludes your cardiologist. An independent agency is appointed with 18+ carriers, is paid the same regardless of which plan you choose, and is legally obligated to document the advice given. That is the difference between shopping and being advised.

Yes. Our phone line at +1-540-352-6249 is monitored 24/7 for urgent matters such as hospital admissions, claim denials and enrollment deadline emergencies. Routine questions are answered within 24 hours, and we never charge for policy service calls.