Business Details
23 Years
experience
Trusted Health Insurance Solutions in Sarasota, FL
With over 25 years of experience in the insurance industry, Insurance Solutions Now has established itself as a trusted partner for businesses and individuals seeking comprehensive health insurance solutions. Founded in 2003 by Michael Kristof, our firm specializes in group health insurance, individual coverage, and Medicare supplement programs across Connecticut, New York, and Florida. Our approach combines deep industry expertise with personalized service, ensuring clients receive tailored recommendations that optimize benefits while controlling costs.We pride ourselves on transparency, accessibility, and a commitment to resolving claims efficiently, which has earned us a reputation for exceptional client satisfaction. Our focus on small businesses and sole proprietors, coupled with our ability to navigate complex insurance landscapes, positions us as a strategic advisor for both organizational and personal insurance needs.
Services
Group Health Insurance
Medicare Supplement Insurance
Individual Health Insurance
Long Term Care Insurance
Details
- Year established: 2003
Highlights and features
- We offer 25+ years of health insurance expertise tailored to small businesses
- Our consultative approach prioritizes cost optimization and coverage improvement
- We provide transparent recommendations without hidden fees or conflicts
- Our founder maintains direct client relationships for personalized service
- We have a proven track record of saving clients thousands annually
What people say
Saved thousands annually
Personalized recommendations
Expert Medicare guidance
Transparent approach
Responsive service
Services
Group Health Insurance
We design customized group health insurance solutions for small businesses with up to 100 employees. Our approach evaluates traditional carrier options alongside innovative self-funded programs to control premium costs while maintaining comprehensive coverage. Our expertise in analyzing claims data helps identify cost-saving opportunities that have saved clients thousands annually.
Medicare Supplement Insurance
Our specialized Medicare guidance helps clients navigate complex supplement options. We provide clear comparisons of Plan A-N variations, explain enrollment timelines, and identify coverage gaps in existing policies. Our focus on long-term care integration ensures clients maintain financial security while accessing quality healthcare services.
Individual Health Insurance
We offer personalized health insurance solutions for individuals and families seeking coverage outside employer plans. Our service includes detailed analysis of network providers, prescription drug coverage, and out-of-pocket cost projections. We help clients understand ACA-compliant options while identifying potential eligibility for premium tax credits.
Long Term Care Insurance
Our long-term care specialists evaluate clients' financial situations to recommend appropriate coverage levels. We partner with top-rated insurers offering inflation protection riders and home care benefits. Our guidance helps protect assets from nursing home costs while maintaining independence through comprehensive coverage options.
People
Michael Kristof
Founder
Award-winning insurance professional with 35+ years industry experience. Established Insurance Solutions in 2003 after senior roles at major carriers. Specializes in small business solutions and Medicare planning.
Questions
What health insurance options exist for small businesses?
We offer traditional group plans, self-funded programs with premium credits, and association-based coverage. Our analysis compares carrier networks, claims history, and cost trends to find optimal solutions.
How can Medicare beneficiaries reduce out-of-pocket costs?
We identify appropriate supplement plans, coordinate with prescription drug coverage, and explain eligibility for programs like Extra Help. Our analysis considers future healthcare needs and budget constraints.
Do you work with businesses outside Florida?
Yes, we serve clients in Connecticut, New York, and Florida. Our virtual consultation process accommodates businesses nationwide through secure digital platforms.
What sets your long-term care planning apart?
We focus on asset protection strategies, combining insurance with estate planning. Our partnerships with top-rated carriers ensure comprehensive benefits including home care and inflation protection.
How do you handle insurance claims issues?
We act as client advocates, investigating denied claims and negotiating with carriers. Our founder personally oversees complex cases to ensure timely resolution and policy compliance.
