Terms and Conditions

What These Terms Cover

These terms apply to anyone who reads or uses this website, run by Private Health Insurance Clearwater in Clearwater, FL. The site is informational. It explains health, dental, vision and accident coverage in general terms, and the only way to reach us is by phone. By using the site, you agree to the terms below.

General Information, Not a Quote

Pages here describe how premiums, deductibles, copays and networks usually work. They are written to help you plan before you call. They are not a quote, a binding offer or personal advice for your situation.

Carriers set and change their own plan rules each year. The policy documents a carrier issues are what govern your benefits, not anything written on this site.

Quotes and Enrollment Happen by Phone

Side-by-side plan options from multiple carriers start with a phone conversation at (727) 594-4589, where we compare plans with you and explain how each one is built. Final premiums, eligibility and start dates come from the carrier. Enrollment depends on carrier approval and on timing rules such as open enrollment or a qualifying life event.

How We Are Paid

There is no fee for the consultation. It costs you nothing to have us check, because we are paid by the company you choose, not by you. That payment does not change the premium you pay for a plan.

Using the Site Fairly

Please use the site for its intended purpose: reading about coverage. Do not copy our text for commercial use, try to disrupt the site, or use it to collect information about other visitors. Written content on these pages belongs to Private Health Insurance Clearwater unless noted otherwise.

Limits of Our Responsibility

We work to keep the information accurate and current, but plan rules, carrier networks and enrollment dates can change before a page is updated. We are not responsible for decisions made from the site alone, without speaking with us or reading the carrier's own documents.

The site may be unavailable at times for updates or reasons outside our control.

Changes and Governing Law

We may update these terms when the site changes. The version posted here is the one in effect. These terms are governed by the laws of the State of Florida.

Questions About These Terms

If any part of this page is unclear, plain-language answers are a phone call away at (727) 594-4589, and we will walk through it with you line by line.