Protect What Matters Most — Your Health & Peace of Mind
Jaffe Tilchin Independent Insurance Services, a trusted independent agency in Tampa Bay, offers personalized health insurance solutions. We partner with multiple carriers to help you find affordable plans that fit your family's needs—without paying for extra coverage you don’t need.
What Is Health Insurance?
Health insurance helps cover medical and healthcare expenses—everything from routine doctor visits and emergency room care to prescription medications and preventive services. Policies may include components like deductibles, co-payments, coinsurance, and out-of-pocket maximums.
Coverage Options We Provide
Individual & Family Plans
Healthcare and dental coverage tailored to fit your
Group Employer
Plans
Flexible offerings for small businesses, nonprofits, and corporations.
Medicare Supplements & Advantage Plans
Complementary coverage options for Medicare-eligible individuals.
Short-Term & Specialized Plans
Temporary or niche health policies designed for transitional or specific needs.
Why Choose Jaffe Tilchin for Your Health Insurance?
1. Independent Expertise That Saves You Time
We compare health plan options across numerous top-rated carriers—so you don’t have to. One call gives you multiple plan proposals from trusted providers.
2. Local Guidance, Real Support
When you need help, you're not routed through an 800 number—you connect directly with a Tampa Bay based agent who understands your community and your needs.
3. Clarity You Can Trust
Insurance can be overwhelming. We simplify the process, guiding you clearly through benefits, restrictions, and out-of-pocket costs.
4. Content That Educates—and Engages
We believe in providing more than just quotes: expect informative articles, FAQs, and videos to help you understand healthcare options better before choosing.
Plan Features Explained
| Feature | What It Means for You |
|---|---|
| Deductible | The amount you pay out-of-pocket before your insurance kicks in. |
| Co-payment / Coinsurance | Flat fee or shared percentage you pay when receiving care. |
| Out-of-Pocket Maximum | The most you'll pay in a year—after reaching it, the insurer pays 100%. |
| In Network vs Out of Network | You'll pay less when you stay within the insurer’s approved provider list. |
| Prior Authorization | Some services or prescriptions may need insurer approval before coverage. |
| Formulary | List of covered medications under your plan. |
Tips for Choosing the Right Policy
- Prioritize benefits that matter—for example, mental health, maternity care, or prescription drug coverage.
- Understand annual costs—don’t just focus on premiums; check deductibles, coinsurance, and out-of-pocket limits.
- Think about your doctors—choose a plan that includes your preferred providers if possible.
- Plan for unexpected health needs—emergency care or chronic condition coverage can make a big difference.
- Ask about local discounts or wellness incentives—you might qualify for savings or preventive perks.
Frequently Asked Questions
We compare multiple carriers and plans side-by-side, so you can trust you're getting the best value for your unique needs.
Let's Get You Covered—Effortlessly
1. Request a free quote
tailored to your needs.
2. Compare plan options
side by side.
3. Select your coverage with confidence
knowing you have expert support every step of the way.
Contact Us:
Phone: (813) 960-5293 | Toll-free: 866-218-7906
Office: 15350 N. Florida Avenue, Tampa, FL 33613
Supporting Your Health, Your Way
At Jaffe Tilchin, we go beyond transaction—we ensure you feel informed, supported, and confident in your healthcare decisions. Let us help you simplify the complexities of health insurance while delivering coverage that's right for you.