Terms and Conditions

About These Terms

These terms cover your use of the website for Private Health Insurance Temple Terrace, a business serving clients in Temple Terrace, Florida, and the surrounding area. By reading or using the site, you agree to them. If something here does not sit right with you, please stop using the site.

General Information, Not Personal Advice

Our pages explain health, dental, vision and accident coverage in general terms. They describe how premiums, deductibles, networks and enrollment periods usually work, but they are not a recommendation for your situation.

The right plan depends on details only a conversation can bring out, such as your budget, the doctors you see and who needs to be covered. Please do not make a coverage decision based on the website alone.

Plan Details Come From the Carriers

Insurance companies set their own benefits, prices, eligibility rules and enrollment dates, and they change them from year to year. We work to keep our descriptions accurate, yet a carrier's official plan documents always take priority over anything written here. Coverage begins only when a carrier accepts an application, never because of something on this site.

Talking With Us by Phone

The phone is the only way to reach us through this website. Calling (813) 212-7908 does not create a policy, an obligation to buy or a client agreement on its own. During a call, share only what you are comfortable sharing; we use it to look at plan options with you. There is no fee for the consultation, because we are paid by the company you choose, not by you.

Using the Site Content

The writing and layout of this site belong to our business. You are welcome to read it, print a page for your own reference or share it with a family member. Copying it for commercial use, or trying to interfere with how the site runs, is not allowed.

Limits on Our Responsibility

The site is offered as it is. We cannot promise it will always be available or free of errors, and we are not responsible for losses that come from relying on general website content instead of reviewing actual plan documents.

Changes and Governing Law

We may update these terms when the site changes, and the version posted here is the one that applies. These terms are governed by the laws of the State of Florida. Questions about them can be raised with us by phone at (813) 212-7908.