Terms and Conditions

What These Terms Cover

These terms apply to anyone who visits the Private Health Insurance Zephyrhills website. We work with clients in Zephyrhills, Florida, and the surrounding area. By using this site, you agree to the points below. They are short, and we have tried to keep them in everyday language.

General Information, Not Personal Advice

The pages here explain health, dental, vision and accident coverage in general terms. They are meant to help you understand your options before you talk with us. Nothing on this site is a quote, an offer of coverage or advice about your own situation.

Premiums, deductibles, networks and benefits are set by each carrier and can change from year to year. The only way to know what a plan will do for you is to go over it with us and read the carrier's own plan documents.

How Working With Us Happens

This website has no forms, accounts or online enrollment. Our phone line is the one way to reach us, and you can find us at (813) 531-8920 to set up a conversation. We meet with clients by phone, by video or at our office. There is no fee for the consultation, because we are paid by the company you choose, not by you.

Coverage begins only after the carrier accepts your enrollment. Talking with us, or reading this site, does not put any plan in force.

Keeping the Site Accurate

We review these pages and update them when plan rules or enrollment dates shift. Even so, some details may fall out of date between reviews. If something you read here does not match what you hear on a call, the information from the carrier and your plan documents is what counts.

Using the Site Fairly

You are welcome to read, print or share pages for your own personal use. Please do not copy our text or design for another business, try to break or overload the site, or use it for anything unlawful.

Limits on Our Responsibility

We offer this site as it is, for general reference. We are not responsible for losses that come from relying on its content alone, from short outages or from decisions made without talking the details through with us or reviewing the carrier's plan documents.

Florida Law and Future Updates

These terms are governed by the laws of the State of Florida. We may update them from time to time, and the version posted here is the one that applies. If you have a question about any of it, give us a ring and we will walk through it with you.