Terms and Conditions

Using This Website

This website belongs to Private Health Insurance Oldsmar, which helps clients in Oldsmar, FL and the surrounding area compare health, dental, vision and accident coverage. By reading or using the site, you agree to these terms. If you do not agree, please stop using the site.

General Information, Not Personal Advice

The pages here explain how coverage works in general terms: premiums, deductibles, benefits and enrollment periods. They are a starting point, not a recommendation for your situation.

Nothing on this site is a quote, an offer of coverage or a promise that a plan will be available to you. Carriers set their own prices and rules, and those change. The plan documents from the carrier are the final word on what a policy covers.

Reaching Us by Phone

The phone is the only way to contact us through this site. Your free consultation starts with one conversation at (813) 565-9202, and from there we can meet 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. Please share only what you are comfortable sharing, and what is needed to compare plans for you.

Your Coverage Decisions

You make the final choice on any plan. Acceptance, pricing and start dates depend on the carrier, your eligibility and the timing of open enrollment or a qualifying life event. We cannot guarantee that a carrier will approve an application or keep a premium the same from year to year. Before you enroll, read the plan summary and ask us about anything that is unclear.

Content on This Site

The words, layout and graphics on this site belong to us. You are welcome to read, print or share pages for your own personal use. Please do not copy them for commercial purposes or present them as your own.

Limits of Our Responsibility

We work to keep this site accurate and current, but it is provided as is. Rules and plan details can change faster than a web page. To the extent Florida law allows, we are not responsible for losses that come from relying on site content alone without speaking with us or reviewing carrier documents.

Changes and Governing Law

We may update these terms from time to time, and the version posted here is the one that applies. These terms are governed by the laws of the State of Florida. Questions about anything on this page are welcome by phone.