Business Details
Your Trusted Health Insurance Partner in West Palm Beach
Lovelace Insurance has been a trusted source for health and life insurance solutions for 20 years, serving clients in West Palm Beach, Florida, and across Florida and Georgia. As a family-owned business, we operate as an independent agent, offering unbiased guidance and access to a wide range of insurance products from top-rated carriers. Our commitment to exceptional service ensures clients receive personalized support in understanding complex insurance options, including deductibles, cost-sharing, co-pays, essential wellness benefits, and compliance with the ACA. We specialize in Medicare Advantage, Supplement, and Prescription Drug Plans, as well as individual health, life, and supplemental insurance products tailored to meet unique needs and budgets.With a focus on transparency and client education, we provide free resources to help clients make informed decisions about their coverage. Our team, led by licensed professionals Susan and David Lovelace, prioritizes long-term relationships and annual plan reviews to ensure ongoing alignment with client needs. We are proud members of the National Association of Health Underwriters, reflecting our dedication to industry standards and client advocacy.
Services
Health Insurance
Medicare Plans
Life Insurance
Supplemental Health Plans
Dental Plans
Vision Plans
Short Term Health Insurance
Travel Health Insurance
Disability Insurance
Long Term Care Plans
Highlights and features
- We offer 20 years of expertise in health and life insurance solutions.
- Our independent agency provides unbiased access to top-rated carriers.
- We specialize in simplifying Medicare enrollment and plan comparisons.
- Our family-owned business prioritizes personalized service and client education.
- We provide free resources to help clients navigate insurance complexities.
Associations and certifications
- National Association of Health Underwriters
Services
Medicare Insurance Plans
We specialize in Medicare Advantage, Supplement, and Prescription Drug Plans. Our services include comparing top-rated plans, lowering co-pays and premiums, and maximizing benefits for hospital stays, prescriptions, and travel needs. Clients receive expert guidance on enrollment periods and avoiding penalties.
Life Insurance
We offer term, permanent, and final expense life insurance to protect families and businesses. Policies help pay off debts, fund education, build wealth, or leave a legacy. We provide affordable premiums tailored to age, health, and financial goals.
Supplemental Health Plans
Our supplemental plans cover gaps in traditional insurance, including dental, vision, accident, and disability coverage. These affordable options provide cash benefits for unexpected expenses, ensuring financial stability during emergencies.
Dental & Vision Plans
We offer diagnostic, preventive, and corrective dental and vision care plans. These options reduce costs for routine checkups, prescriptions, and orthodontic treatments, especially for seniors bundling with Medicare Supplement plans.
Short Term Health Insurance
Non-ACA compliant short-term plans provide flexible enrollment up to two years. Ideal for bridging coverage gaps, these plans offer cost-effective solutions for individuals needing temporary protection without marketplace restrictions.
People
Susan Lovelace
Medicare Insurance Advisor
Susan Lovelace is a licensed Medicare professional with 20 years of experience. She specializes in helping clients compare Medicare plans, reduce costs, and ensure coverage aligns with their healthcare needs.
David Lovelace
Medicare Insurance Advisor
David Lovelace brings extensive expertise in Medicare enrollment and plan selection. He works closely with clients to navigate insurance complexities and secure affordable, comprehensive coverage.
Questions
What types of Medicare plans do you offer?
We offer Medicare Advantage, Supplement, and Prescription Drug Plans. Our team helps compare options to find the best fit for your healthcare needs and budget.
Can I enroll in health insurance outside the marketplace?
Yes, we offer non-ACA compliant short-term plans and supplemental insurance that can be purchased anytime, providing flexibility beyond marketplace enrollment periods.
Do you provide life insurance for seniors?
Yes, we offer term, permanent, and final expense life insurance tailored to seniors, ensuring affordable coverage for end-of-life costs or legacy planning.
Are dental and vision plans available for under 65?
Yes, our dental and vision plans cater to all ages, including orthodontic benefits for children and preventive care for adults.
What if I miss Medicare's open enrollment?
Special enrollment periods apply for qualifying events like moving or losing coverage. Contact us to explore options for late enrollment without penalties.
How do you help reduce insurance costs?
We compare plans from top-rated carriers, negotiate premiums, and identify subsidies or bundled options to lower out-of-pocket expenses for health and life insurance.
