Benefits Now, LLC Apopka FL

ABOUT US

About Ashby Cockrell

Born in Virginia and attended William and Mary for undergraduate studies and University of Virginia for further studies. I have been in the insurance business in Florida since 1992.

I have always operated my business with the counselor sales approach. The more my prospect/client is informed, the better client they become and, most importantly, the better choices they can make for their own benefit.

My Specialty is "DRASTICALLY" reducing Health Costs for Christian Schools and small group Employers (under 50 employees). I utilize a little known provision in our current healthcare Rules and Regulations that allows Christian Schools and Small Employers to provide great coverages at a MUCH lower costs. I am not a small group insurance provider but utilize a number of new tools that can save both your employees and the School (business) considerable money.

I have been blessed to be married to my best friend, Sharon my entire life and with two children, Sarah and Ashby, Jr.

Probably the MOST important differentiation between me and my competitors is SERVICE. We've built our business on personal and professional service. I remain "On Call" for my clients on weekends. That's the service I would appreciate, and therefore the kind of service I provide for YOU.

Thanks for visiting my site and I look forward to discussing your needs with you and finding a great solution.

Clients Testimonials

What Our Clients Are Saying.

"Ashby was amazing in walking us through changing our Small group insurance saving us many thousands of dollars. I'm a customer for life."

Eugene S. - Tampa, FL

"I was getting inundated with phone calls and pushy sales people about my Medicare options. Then Ashby called and he was a "breath of fresh air". Calm, very professional and informative. He allowed me to make the best choice for me. Happy client."

Shirley S - Orlando, FL

"My family presents some health challenges and we were having great difficulty finding ANY coverage at all. Ashby worked with me, was extremely helpful and pleasant plus saved us $387.34/mo."

Evelyn C. - Jacksonville, FL

"My wife works with a relatively small Christian school here in Texas and although they pay for half of her medical insurance, the girls and I are paying $1,324.86/mo. for our coverage. Ashby showed us how to get the same or better coverage for $347.22/mo. We recommend Ashby highly."

Victor M - Katy, TX

CHRISTIAN SCHOOLS and SMALL GROUP (Under 50 employees) Health Benefits

Each client (school, group or person) is unique with their own set of needs and requirements. As a result, we do not provide "cookie cutter" solutions. We treat every client differently with the understanding that every Employer or individual has different needs.

Rather than anticipating your needs, we listen and learn what you value and dislike in your current health coverage and employee benefits. From there, we ask questions and develop a strategy with you to help you meet your goals. We can set up meetings to review the strategies we've implemented together to review or review via ZOOM meetings to ensure that you are moving closer to meeting your goals.

Many schools or small employers use their employee benefit packages to attract and retain valuable employees to keep their school or business thriving. At the very least, employee benefits can consist of health, dental, disability and life insurance.

We specialize in Christian Schools and Small Groups and most often can DRASTICALLY reduce your costs (30 to 50%), by utilizing new Health Insurance provisions in the law and regulations. We will assist you to develop a combination of carriers and products that meet your needs and expectations. We will work with you to develop strategies to ensure you are, at a minimum, in line with or better than your competition.

We would like the opportunity to earn your business. Click the link below to get more information or call: 321-228-4213.

Christian Schools or Small Group

Medicare Insurance (Over age 65)

Medicare Supplement Plans are accepted by over 95% of all doctors/providers in America. Referrals are not required. Many people love the freedom of choice for your medical provider, predictability of costs, and very low rate increase history with most carriers.

Medicare Advantage Plans are Guaranteed Issue, have No Pre-existing Limitations and usually offer co-pays for Doctor, Hospital and RX costs. Premiums are often $0 per month.

Get an instant quote or more information by using links below. Or call now. (321) 228-4213

Medicare Supplement Insurance

Medicare Advantage Insurance

Life Insurance

Life insurance is about taking care of your loved ones. It protects your family and lets you leave them a defined, non-taxable cash amount at the time of death. It can also replace your income, so your family can maintain their quality of life.

Get an instant quote or more information by using links below. Or call now. (321) 228-4213

Term Life Insurance

Whole Life Insurance

Final Expense Insurance

Dental / Vision Plans

Dental Coverage include coverage for preventive care, like routine exams, cleanings, and X-rays. Many plans also include coverage for additional services like fillings, extractions, root canals and crowns.

Vision Plans typically cover the cost of an annual eye exam and prescription eyeglasses and/or contact lenses.

Get an instant quote or more information by using links below. Or call now. (321) 228-4213

Dental Plans

Vision / Hearing Plans

Supplemental Insurance

Critical Illness and Cancer Plans help cover your out of pocket costs for heart attack, cancer, stroke and additional diseases. Many expenses incurred due to a critical illness are not covered by traditional health insurance plans, such as deductibles, co-pays, experimental treatments, travel, and more.

Get an instant quote or more information by using links below. Or call now. (321) 228-4213

Critical Illness Plans

Accident Insurance

Hospital GAP Plans

Additional Information

How much does ACA insurance cost in Apopka, FL?

There is a lot that goes into determining the price of an ACA health insurance plan. Price determining factors will likely include:

1. Your plan choice.
2. Your age.
3. Whether or not you are eligible to receive a subsidy.
4. The county in which you reside.

If you are a U.S. citizen or permanent U.S. resident, you are likely eligible for insurance coverage via the Affordable Care Act. For more information, give us a call.

How can I get health insurance or Medicare insurance coverage in Apopka, FL?

We can assist you in finding an individual or family health insurance plan, as well as a Medicare Supplement or Medicare Advantage plan. Please contact us now. We serve the Apopka, Orlando, FL and Winter Park, FL regions.

How can I find the best health insurance plan for me and my family?

When comparing different health insurance options, you should start by considering you and your family's medical status. Look at the type of treatment you've received in the past. Consider the prescription drugs you or a family member are currently using. Note if there are specific physicians that you or a family member must have access to.

Next, learn about deductibles, coinsurance and maximum out-of-pocket benefits. It is important to have a good understanding of how these plan components work. Comparatively, from plan to plan, these benefits can vary greatly. They determine how much you could be responsible for in medical bills should the unexpected occur.
Lastly, compare the monthly premiums of the various plans that are available to you. Know how much you can afford. If you are considering an ACA health insurance plan, find out if you qualify for a subsidy.

Where can I get health insurance near me?

Our licensed health insurance agents will be happy to help you find the right plan for your needs. We service the Apopka, Orlando, FL and Winter Park, FL regions.

Where can I get Medicare supplement insurance assistance near me?

Our office provides expert assistance with Medicare Supplement and Medicare Advantage plans. We service the Apopka, Orlando, FL and Winter Park, FL regions.

How can I find out if I qualify for an Affordable Care Act (Obamacare) health insurance plan?

If you are a U.S. citizen under 65 years of age, you are very likey to qualify for an Affordable Care Act (Obamacare) health insurance plan. Any issues of qualification usually have to do with when you apply. This is why it is important to apply as soon as possible.

Can I qualify for an Affordable Care Act (Obamacare) health insurance plan if I have a medical condition?

Your medical status is not a factor when applying for an Affordable Care Act plan.

Can you help me find more affordable group health insurance coverage?

Yes. Thanks to new health insurance regulations and guidelines, you can likely realize significant savings by reviewing your group health insurance coverage now.
Please give us a call: (321) 228-4213.

Can you get me rates and benefit details for the 2023 Affordable Care Act health insurance plans?

We can instantly provide you with rates and benefit details for all of the 2023 Affordable Care Act (Obamacare) Health insurance plans. We can also help you choose and apply for the ACA plan that best suits your needs and budget. Please give us a call: (321) 228-4213.

I just moved to Florida. Can you help me sign up for a 2023 ACA health insurance plan?

We are happy to assist you in applying for Affordable Care Act (Obamacare) health insurance coverage in the state of Florida. We can also help you compare plan rates and benefits in order to find the best health insurance plan for your needs. Please give us a call: (321) 228-4213.

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