Terms and Conditions

Using This Website

This website belongs to Private Health Insurance Largo, a business serving clients in Largo, Florida and the surrounding area. It is a simple informational site. By reading it, you agree to these terms. If you do not agree, please stop using the site. If anything here is unclear, a free consultation by phone at (727) 761-9134 is the easiest way to get a straight answer.

General Information, Not Personal Advice

The pages here explain health, dental, vision and accident coverage in general terms. They are meant to help you get familiar with words like premium, deductible and open enrollment before you talk with us.

Nothing on this site is a recommendation for your situation. Every person and family is different, so the right plan depends on details we can only learn in a conversation.

Plans and Prices Come From the Carriers

Insurance companies issue the plans, not this website. Each carrier sets its own premiums, benefits, eligibility rules and enrollment dates, and these can change. Your policy documents are the final word on what a plan covers. We work to keep our pages current, but we cannot promise that every detail matches a carrier's latest terms.

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. Talking with us does not commit you to buying anything.

Contacting Us

The phone is the only way to reach us through this site. When you call, share only what you are comfortable sharing. We use what you tell us to answer your questions and compare plan options with you. Please do not rely on the website alone for decisions about your coverage.

Our Content

The words, layout and design of this site belong to Private Health Insurance Largo. You may read and share pages for personal use. Please do not copy or republish our content for commercial purposes without asking us first.

Limits on Responsibility

We offer this site as it is. We are not responsible for losses that come from relying on general website information instead of speaking with us or reading your policy documents. We also cannot guarantee the site will always be available or free of errors.

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.