Question 1

What is the difference between Medicare Advantage and Original Medicare?

Accepted Answer

Original Medicare (Parts A & B) is the federal program covering hospital and outpatient care. Medicare Advantage (Part C) is offered by private insurers approved by Medicare — it bundles Parts A, B, and usually D (drugs) into one plan, often with extra benefits like dental and vision. The right choice depends on your health needs, budget, and preferred doctors.

Question 2

When can I enroll in a health insurance plan?

Accepted Answer

The ACA Open Enrollment Period runs November 1 – January 15 each year. Outside of that window, you can enroll during a Special Enrollment Period (SEP) triggered by a qualifying life event such as losing job-based coverage, getting married, having a baby, or moving to a new area. SEPs typically give you 60 days from the event.

Question 3

Do I qualify for a subsidy on the ACA Marketplace?

Accepted Answer

You may qualify for premium tax credits if your household income is between 100% and 400% of the Federal Poverty Level — and recent legislation has expanded eligibility beyond that threshold. Many Floridians are surprised to find they qualify for significant savings. Our agents can calculate your exact subsidy at no cost.

Question 4

Does my homeowners insurance cover hurricane damage?

Accepted Answer

Standard homeowners policies cover wind damage from hurricanes, but with a separate hurricane deductible — typically 2–10% of your home's insured value, not a flat dollar amount. Flood damage from storm surge or rain is NOT covered by homeowners insurance and requires a separate flood insurance policy.

Question 5

What is the minimum auto insurance required in Florida?

Accepted Answer

Florida requires a minimum of $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). However, these minimums are often insufficient to fully protect you. We recommend reviewing your coverage to ensure you're adequately protected.

Question 6

Should I get flood insurance even if I'm not in a flood zone?

Accepted Answer

Yes — FEMA data shows more than 25% of flood insurance claims come from properties outside high-risk flood zones. Florida's flat terrain and heavy rainfall make flooding a real risk statewide. Flood insurance is often more affordable than people expect, especially outside designated flood zones.

Question 7

How much life insurance do I need?

Accepted Answer

A common starting point is the DIME method: add up your Debt, multiply your Income by 10–15 years, add your Mortgage balance, and estimate Education costs for your children. For most Florida families, this results in $500,000–$1.5 million in coverage. Our agents can run a detailed needs analysis for your specific situation.

Question 8

What is the difference between term and whole life insurance?

Accepted Answer

Term life provides coverage for a set period (10, 20, or 30 years) at a lower cost — ideal for covering a mortgage or child-rearing years. Whole life provides permanent coverage that never expires and builds cash value over time, but at a higher premium. The right choice depends on your goals and budget.

Question 9

Can I get life insurance if I have a pre-existing health condition?

Accepted Answer

In many cases, yes. Different carriers specialize in different risk profiles. Conditions like diabetes, heart disease history, high blood pressure, and others can often be covered — sometimes at standard rates. Working with an independent agent who shops multiple carriers is key to finding the best option for your health history.

Question 10

How much does it cost to work with Just Insurance Svcs?

Accepted Answer

Our services are completely free to you. We are compensated by the insurance carriers, not by our clients. You get expert, unbiased guidance at no cost — and our goal is always to find you the best coverage, not the highest commission.

Question 11

Is my personal information kept confidential?

Accepted Answer

Absolutely. We are fully HIPAA compliant and take the privacy of your health and personal information seriously. Your data is never sold or shared with third parties outside of the insurance application process. All digital communications are encrypted and handled in accordance with applicable privacy laws.

Question 12

How quickly can I get coverage?

Accepted Answer

It depends on the type of insurance. Health insurance through the ACA Marketplace can take effect as soon as the first of the following month. Life insurance can sometimes be issued within days for simplified-issue policies. Auto and home insurance can often be bound the same day. Our agents will give you a realistic timeline based on your specific situation.

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