Priority Insurance Advisor Agency

Protecting What Matters Most To You

Priority Insurance Advisor Agency provides expert guidance to help you find the perfect insurance coverage for your unique needs.

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Marketplace Plans

Affordable Health Insurance options available through the Health Insurance Marketplace.

What are Marketplace Plans?

Marketplace plans are health insurance plans available through the Health Insurance Marketplace established under the Affordable Care Act (ACA). These plans offer comprehensive coverage and potential financial assistance based on income.

Benefits of Marketplace Plans

  • Coverage for essential health benefits, including preventive care, emergency services, and prescription drugs
  • Premium tax credits and cost-sharing reductions based on income
  • Cannot deny coverage for pre-existing conditions
  • Annual open enrollment periods with special enrollment periods for qualifying life events

Plan Levels

Bronze & Silver Plans

Bronze plans have the lowest monthly premiums but highest out-of-pocket costs. Silver plans offer moderate premiums with moderate out-of-pocket costs and may qualify for extra savings.

Gold & Platinum Plans

Gold plans have higher monthly premiums but lower out-of-pocket costs. Platinum plans have the highest premiums but lowest out-of-pocket costs, ideal for those needing frequent care.

Get Expert Guidance on Marketplace Plans

Our licensed advisors can help you navigate the complexities of Marketplace plans and find the right coverage for your needs and budget.

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Private Health Insurance Plans

Comprehensive health insurance options offered directly by private insurance companies.

What are Private Health Plans?

Private health insurance plans are offered directly by insurance companies outside of the government Marketplace. These plans can offer flexible coverage options, broader provider networks, and can be purchased at any time.

Benefits of Private Health Plans

  • Greater flexibility in plan design and coverage options
  • Often feature wider provider networks
  • Available year-round, not limited to open enrollment periods
  • May offer additional benefits not included in standard Marketplace plans

Private Plan Types

PPO Plans

Preferred Provider Organization plans offer flexibility to see any doctor without referrals, with lower costs when using in-network providers.

HMO Plans

Health Maintenance Organization plans focus on preventive care and integrated health services with a primary care physician coordinating all care.

Explore Private Health Insurance Options

Our team can help you compare private insurance options from multiple carriers to find the right balance of coverage and cost.

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Open Enrollment

Understanding the annual period when you can enroll in or change your health insurance coverage.

What is Open Enrollment?

Open Enrollment is the annual period when individuals can enroll in a health insurance plan, change their current plan, or make adjustments to their coverage. This is the only time of year most people can make changes unless they qualify for a Special Enrollment Period.

2024 Open Enrollment Period: November 1, 2024 - January 15, 2025

For coverage starting January 1, 2025, enroll by December 15, 2024

Special Enrollment Periods

You may qualify for a Special Enrollment Period (SEP) if you've experienced certain life events, including:

  • Loss of health coverage
  • Changes in household (marriage, birth, adoption)
  • Changes in residence
  • Income changes affecting coverage eligibility
  • Becoming a U.S. citizen

Don't Miss Your Opportunity to Enroll

Our advisors can help you navigate the open enrollment period and ensure you get the coverage you need before the deadline.

Speak with an Advisor

Dental Plans

Comprehensive dental coverage for individuals and families.

Why Dental Coverage Matters

Dental health is an essential component of your overall wellbeing. Regular dental care not only prevents oral health issues but can also detect early signs of more serious health conditions. Dental insurance helps make preventive and necessary care more affordable.

Types of Dental Plans

DPPO Plans

Dental Preferred Provider Organization plans offer a network of dentists who have agreed to provide services at discounted rates, with the flexibility to see out-of-network providers at a higher cost.

DHMO Plans

Dental Health Maintenance Organization plans typically have lower premiums and defined copayments for services, but require you to choose a primary dentist from within the network.

Common Coverage Categories

  • Preventive Care: Routine cleanings, exams, and X-rays (often covered at 100%)
  • Basic Procedures: Fillings, extractions, and periodontal treatments (typically covered at 70-80%)
  • Major Procedures: Crowns, bridges, dentures, and root canals (usually covered at 50%)
  • Orthodontics: Some plans offer coverage for braces and other orthodontic treatments

Find Affordable Dental Coverage

We offer a range of dental insurance options that can be purchased separately or bundled with your health insurance.

Explore Dental Plans

Vision Plans

Comprehensive vision care coverage for eye exams, eyewear, and more.

The Importance of Vision Care

Regular eye exams are essential for maintaining not just your vision, but your overall health. Many health conditions can be detected during an eye exam, including diabetes, high blood pressure, and even certain cancers. Vision insurance helps make these critical exams and necessary eyewear more affordable.

What Vision Plans Cover

  • Routine Eye Exams: Comprehensive examinations to check vision and eye health
  • Prescription Eyewear: Allowances or discounts for glasses frames and lenses
  • Contact Lenses: Coverage for contact lens fittings and materials
  • Lens Enhancements: Discounts on options like anti-glare coating, progressive lenses, and transitions
  • Laser Vision Correction: Some plans offer discounts on procedures like LASIK

Vision Plan Types

Vision Benefits Packages

Comprehensive plans that include eye exams, glasses, and contact lenses with set copayments and allowances.

Discount Vision Plans

Lower-cost options that provide discounts on vision services and products rather than direct coverage.

Get Clear Vision at an Affordable Price

We offer standalone vision plans or packages that can be combined with your health and dental insurance for comprehensive coverage.

Explore Vision Plans

Contact Us

Let our insurance experts guide you in finding the perfect coverage for your unique needs. Reach out today for personalized assistance.

Get in Touch

Schedule a free consultation with one of our licensed insurance advisors.

Our Contact Information

3437 NW 55th ST FL 33309
+1 (305) 684-5711
info@priorityinsuranceadvisorsgrp.com

Business Hours: Monday - Friday, 9:00 AM - 5:00 PM EST