When it comes to individual health insurance, the level of service you receive can make all the difference. 

We are proud that our sons Yoni and Noah Bick are specialists in this area. They represent all major carriers and bring an unparalleled level of expertise, ensuring clients receive personalized coverage tailored to their needs.

What sets Yoni and Noah apart is their meticulous and client-first approach. Many agents simply push plans without considering the unique needs of the individual. That is not how we operate. 

Yoni and Noah take the time to gather crucial information, including:

• Basic details such as address, dates of birth and genders of all family members
• Preferred doctors and healthcare providers
• Current medications
• Financial information to determine eligibility for subsidies under the Affordable Care Act 

They also ask about the client’s existing coverage to get a sense of the client’s likes and dislikes about their current benefits. 

With this information, they search for the best coverage options, selecting the best options that fit the clients’ needs. Then they generate quotes and send them to the client for review.

The next step is a personal consultation where they review the options in detail, answer any questions and clarify any concerns. If the client decides to move forward, the application process is completed seamlessly over the phone and coverage is bound immediately.

Why We Focus on Florida 

Yoni and Noah are licensed to handle individual health insurance exclusively in Florida. Individual health insurance plans can vary from State to State, even ones offered by the same companies. Because every State has its own unique market, it would be impossible to be an expert in every state. 

Ongoing Support

The service we provide does not stop at enrollment. After the policy is in place, Yoni and Noah continue to provide hands-on support throughout the year. 

Some common issues they help resolve include:

• Ensuring doctors recognize their participation in the insurance network
• Addressing payment processing errors with the insurance company
• Finding alternative methods for purchasing expensive medications
• Assisting with address changes, adding newborns or removing dependents from coverage

This level of dedicated service is rarely found in the industry. Yoni and Noah uphold the values of our family business: we treat every client the way we would expect to be treated ourselves.

When to Sign Up for Individual Health Insurance

Timing is critical when it comes to purchasing an individual health insurance policy. There are specific periods when people can enroll as well as special qualifying events that allow for coverage changes throughout the year.

The first is the Open Enrollment Period. This is the designated time each year when anyone can apply for or change their individual health insurance plan.

The second chance to enroll is a Qualifying Life Event. Outside of open enrollment, certain life changes allow individuals to enroll or switch plans. These include:

• Moving to a new state or service area
• Getting married
• Having a baby
• Involuntary loss of previous coverage, such as when an employer stops providing insurance or a carrier leaves the healthcare market

For expert guidance, a customized approach and ongoing support with your health insurance, Bick Insurance Consultants are here to help! Give us a call at 954-775-0275.