Health Insurance and Medicare

We’re Contracted With....

Blue Cross Blue Shield | Ambetter | Oscar | Humana | Aetna | Ultimate | Freedom | Pinnacle

Health Coverage Designed Around Your Needs

Health insurance is one of the most important financial protections you can have. Whether you are self-employed, between jobs, aging into Medicare, supporting a family, or simply exploring better coverage options, having the right plan in place can help protect both your health and your finances.

At ELDI Insurance and Financial Group, we help individuals and families navigate the often confusing world of health insurance by providing personalized guidance, education, and plan comparisons based on your unique situation and budget.

We understand that every client has different healthcare needs, preferred doctors, prescription requirements, and financial goals. Our licensed brokers take the time to explain your options clearly so you can make informed decisions with confidence.

Our Commitment

At ELDI Insurance and Financial Group, we believe education and transparency matter. We are committed to helping clients understand their options, feel comfortable with their decisions, and receive the support they deserve throughout the process.

Whether you are seeking affordable health coverage for your family or preparing for Medicare enrollment, our team is here to help protect your health, finances, and future.

Schedule Your Consultation Today

Speak with a licensed broker to review your options and receive personalized guidance based on your needs and budget.


Individual Healthcare Solutions

Individual & Family Health Insurance

Not everyone has access to employer-sponsored health coverage, and even those who do may still need additional protection or alternative options. We help clients explore individual and family health insurance plans designed to provide quality coverage while balancing affordability.

Our brokers can assist with:

  • Individual and family health plans
  • Marketplace / ACA plans
  • Dental and vision coverage
  • Short-term health insurance
  • Supplemental health products
  • Hospital indemnity plans
  • Critical illness coverage
  • Accident insurance

When reviewing health insurance options, we help clients evaluate:

  • Monthly premiums
  • Deductibles and out-of-pocket costs
  • Provider and hospital networks
  • Prescription drug coverage
  • Specialist and primary care access
  • Coverage flexibility and long-term needs

Health insurance should not be a one-size-fits-all solution. Our goal is to help you find coverage that protects your health while remaining realistic for your budget and lifestyle.

Current Issuing Companies

Our agency is contracted to sell health insurance through these companies both on the ACA Platform and Direct:

  • Blue Cross / Blue Shield (FloridaBlue)
  • Ambetter
  • Oscar
  • Philadelphia Life Insurance
  • Humana / Aetna / MetLife
  • Aflac (Supplementals)

Not all plans may be offered in your area.  Plans may not include your current doctor or medication; our agents will go through your list of medications and doctors to see if they take your plan before signing you up.  Open Enrollment starts on November 1st and runs through January 15th.  You may qualify for a special enrollment period if you lose your insurance, relocate, get married, have children.  That SEP lasts 60 days after the life changing event.

Group Healthcare & Employee Benefits

Current Issuing Companies

Our agency is contracted to sell health insurance through these companies:

  • Blue Cross / Blue Shield (FloridaBlue)
  • Humana
  • Aetna
  • Colonial Life (Supplementals)
  • Aflac (Supplementals)

Most of our issuing companies require a minimum of 10 participating employees, while some will allow as few as 3 for major medical insurance benefits.  If the plan is considered a high deductible, we have options that work with an HSA (Health Savings Account). In a voluntary plan, the minimum participation is 3 employees, for contributory options a minimum of 10 employees or 75% of eligible employees must be enrolled.  For a non-contributory plan, 100% of all qualifying employees must be enrolled.  Our Brokers will help you stay compliant with the tax requirements and regulations.

Group Health Insurance Options

Providing quality employee benefits is one of the most effective ways to attract and retain great employees. Group health insurance helps businesses support the health and well-being of their workforce while offering valuable financial protection for employees and their families.

At ELDI Insurance and Financial Group, we work with businesses of all sizes to design group health insurance solutions that align with their goals, budget, and workforce needs. Whether you are offering benefits for the first time or reviewing your current plan, our brokers help simplify the process and guide you through your available options.

We assist businesses with:

  • Small group health insurance plans
  • Employer-sponsored medical coverage
  • ACA-compliant group plans
  • Dental and vision coverage
  • Employee supplemental benefits
  • Voluntary benefit options
  • Health reimbursement strategies
  • New hire enrollment support
  • Annual renewals and benefit reviews

Our brokers work closely with business owners and decision-makers to compare plans, explain coverage options, and identify solutions that balance affordability with quality coverage.

We also help employers and employees better understand:

  • Monthly premiums and employer contributions
  • Deductibles and out-of-pocket costs
  • Provider and hospital networks
  • Prescription drug coverage
  • Enrollment requirements and eligibility
  • Tax-advantaged benefit opportunities

Because every business is different, there is no one-size-fits-all approach to employee benefits. Our goal is to help create benefit packages that support employee satisfaction while remaining financially manageable for the business.

Build a Better Benefits Package

Whether you are a small business owner, growing company, or established employer, we can help you explore group health insurance options designed around your business goals and employee needs.

Medicare

Medicare Solutions

Medicare can feel overwhelming, especially with the number of plans, deadlines, and coverage options available. Our goal is to simplify the process and help you understand your choices so you can enroll with confidence.

Whether you are turning 65, retiring, moving, losing employer coverage, or reviewing your current Medicare plan, our licensed brokers are here to help guide you through the process.

We help clients understand and compare:

  • Medicare Advantage Plans (Part C)
  • Medicare Supplement Plans (Medigap)
  • Prescription Drug Plans (Part D)
  • Original Medicare
  • Dental, vision, and hearing options
  • Hospital and medical coverage options

Our brokers can help explain:

  • Enrollment periods and eligibility
  • Plan costs and coverage differences
  • Provider network considerations
  • Prescription drug formularies
  • Potential gaps in coverage
  • Changes during Annual Enrollment Periods

Because healthcare needs can change over time, we also assist current Medicare beneficiaries with annual policy reviews to help ensure their coverage continues to meet their needs.

Disclaimer:  We do not offer every plan in your area.  Currently we represent 5 organizations which offer a number of products in your area.  Please contact Medicare.gov, 1-800-Medicare or your state or local health insurance program (SHIP) to get more information on all of your options.

Current Medicare Issuers

Our agency is contracted to sell Medicare through these companies:

  • Freedom
  • Optimum
  • Advantage
  • Aetna
  • Humana

Open Enrollment starts October 13th to December 7th.  Annual Enrollment Period starts Jan 1st through March 31st.  Initial Enrollment Period starts the year you turn 65, three months prior to your birthday, your birth month and three months after you turn 65.  You can qualify for a SEP through various qualifying life changes.

No Brokers of ELDI Financial and Insurance Group  are employed by any issuing Medicare Issuer or health insurance company, which also includes healthcare.gov, medicare.org and the health marketplace. ELDI Financial and Insurance Group is not affiliated with any issuer of Medicare or Health Insurance. Any Broker representing otherwise should be reported to our office immediately.  Our Brokers do not have the ability to guarantee benefits or premiums, we can only estimate the potential premium and benefits at the time of the consult. Final pricing and benefits will come from the issuer direct.  Our agents can not guarantee eligibility for Medicaid or subsidy assistance for any Medicare or ACA Health Plan.  We adhere to the guidelines of HIPPA, and the issuer’s ethics, policies and standards along with our own, to comply with State and Federal Regulations.

Health and Medicare News

Health Insurance Placeholder

New Look to Healthcare

Read more
Aetna Insurance Logo

Aetna Pulls Out of Florida

,
Read more