Health Insurance

Covering Sarasota's Health Insurance Needs.

Let the Health Insurance experts At Valek Insurance Find The Right Policy For Your Needs.

Our experienced insurance agents will assist you in your search for the best health insurance coverage, because we work for you and not for a health insurance company.

A few questions to have in mind while deciding on health insurance plans:

What are the current and future health care needs in your household?
Do you think you will use health care services often or just rarely? That answer can help you decide whether to choose a plan that offers basic coverage, or one with broader benefits.

Do you want to keep your current doctors?
Will you want to keep seeing your doctor? That might dictate the type of plan you choose. HMO plans require that you use doctors in the network. So, check to see if your doctor is in the network. Or consider a Preferred Provider Organization plan. It lets you visit almost any doctor.

How much can you afford to pay for health insurance?
Knowing your price range can help narrow the options.

Valek Insurance will help make sure you understand your costs.

You will have a monthly cost for your plan and other expenses, such as an annual deductible or payments for office visits. Plans with higher monthly costs tend to have lower costs for office visits and other services. If you want lower monthly costs, you will pay higher costs for office visits and other services.

What health expenses will the plan cover?
When comparing plans, look to see what expenses are covered. Will the plan pay for physicals, shots and other preventive care? How about prescription drugs or dental care? Some plans cover expenses like these, some do not. Be sure to understand and assess the benefits of each plan you are considering.

Once you’ve found plans that interest you, it’s time to get a price quote. You can get a quote by contacting a Vakek insurance representative who will assist you in this process.

The quote will be an estimate. The real cost is calculated after a review.

Next you will need to apply:

Health Insurance Application Checklist
You’ll need this information for each person on the application:

• Date of birth
• Social Security Number
• Height/weight
• Current/past health insurance plans
• Medical history (diagnosis, treatment, dates of service, status)
• Prescription drug information (name, dose, date prescribed)
• Contact information for doctors (primary care and specialists)
• Please complete the application form. If you skip any questions, the review process will stop until we can get the missing information.

When you are approved we will ask for a deposit on your first months coverage to get you going.

We review your completed application as soon as we get it. This review process is called “medical underwriting”. We may call you to clarify information you’ve provided. The review process takes about 5 to 15 days.