|⏳ HEALTH INSURANCE AGENCY |⏳ INSURANCE ENROLLMENT KEY DATES |⏳ MEDICARE PLANS: Annual Enrollment Period (AEP): October 15 – December 7 each year. During this time, you can switch to a different Medicare plan. Initial Enrollment Period (IEP): Around your 65th birthday. |⏳ INDIVIDUAL & FAMILY ACA MARKETPLACE PLANS: Generally November 1 – January 15 for the following year’s coverage. December 15: Deadline for coverage to start January 1. January 1: Coverage begins for those who enrolled by the December 15 deadline. January 15: The final deadline to enroll for coverage that typically begins February 1. |⏳ EMPLOYER SPONSORED PLANS: Enrollment periods are set by your employer and often occur in the fall. |⏳ MEDICAID & CHILDREN’S HEALTH INSURANCE PROGRAM (CHIP): You can enroll at any time of the year. |⏳ SPECIAL ENROLLMENT PERIODS (SEPs): You may qualify for an SEP outside the regular Open Enrollment Period if you have certain qualifying life events, such as getting married, having a baby, or losing other health coverage. |⏳ DON’T WAIT! ASK US YOUR QUESTIONS EARLY! |⏳

Retirement Insurance Apollo Beach FL

Steve Turner Insurance Specialist offers you, your family and your business the complete array of Insurance Services you need to protect and provide for their Retirement Insurance Apollo Beach FL needs.

My goals are to (1) Listen to you tell me about your insurance needs, budget, and the outcome you require, and (2) Educate you on your various options, and (3) Setup the insurance plans you have selected and get your insurance coverage established.

Not sure what what type of insurance is best for your Personal, Family, or Business? No worries! Most of my clients aren’t sure when they first reach out to us. I’ll discuss with you all your insurance options pro’s and con’s so YOU can make the choices that fit your budget.

Tap the+1.813.388.8373button to call me now, or the “Book-A-Call” button to pick a time on my calendar for a chat. I look forward to answering your questions and helping you find the right insurance to fit your needs.


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LISTENING SKILLS

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RETIREMENT

Retirement Insurance Apollo Beach FL

Retirees and soon to be retirees living in Apollo Beach FL may need a variety of insurance, including:

  • Health insurance: Medicare is often the primary health insurance for retirees, but some may need additional coverage. This could include a supplemental plan, Medigap or Part D, or a Medicare Advantage Plan.
  • Long-term care insurance: This insurance can help protect your family and relieve financial and emotional stress if you need long-term care.
  • Life insurance: This insurance can help your loved ones financially if you die, and can help them reach their financial goals.
  • Umbrella insurance: This insurance can provide additional liability coverage beyond what your homeowner’s or auto insurance covers. It can help protect your retirement savings if you’re involved in a lawsuit or other legal action.
  • Annuities: These long-term insurance products can help you convert your money into a steady income stream.
  • Travel insurance: This insurance is available for older people, but it may be more expensive because of the higher risk category.

Medicare INSURANCE AGENT AND BROKER

As your Insurance Agent and Broker serving you, my goal is to “help you” and ensure, without a shadow of a doubt, that you and your family are secure and protected from risk. As a licensed Medicare Advantage and Medicare Supplement agent, I take the burden off your shoulders by doing a thorough needs analysis and researching the benefits best suited to you and your needs.

I can help you save on severe medical emergencies and find a plan that offers low- to no-cost doctor visits, prescription medication, and extra benefits such as dental, vision and hearing, gym membership, and over-the-counter items. I will show you plans where your doctors are in-network and a side-by-side comparison of your prescription costs with the different plans.

Medicare is constantly changing, and I work tirelessly to stay informed about the latest developments in the market. Not a year goes by without new government regulations, new or modified coverages, and new techniques for controlling benefit costs. To best serve their clients, professionals must understand each type of benefit or program’s provisions, advantages, and limitations to meet economic security.

I am a long-standing National Association of Benefits and Insurance Professionals® (NABIP.ORG) member and hold the prestigious Registered Employee Benefits Consultant® designation (https://nabip.org/professional-development/rebc-designation). I can provide information on your market’s availability and any expected changes.

After you choose your Medicare Insurance plan, I provide ongoing support all year; you won’t have to call an (800) number any longer.

If you have any questions, issues, or concerns about your plan’s benefits, you can contact me via phone, text, or my simple-to-use email contact form using the buttons below.

Steve Turner, your Helpful Licensed Agent and Broker

Retirement Insurance Apollo Beach FL

Life insurance for retirees works the same way as most term or permanent policies: If you pass away, the death benefit is meant to help replace your income and help your beneficiaries pay for your final expenses. [Retirement Insurance Apollo Beach FL]

There is no break in coverage between your employment coverage and your retirement coverage. If you don’t want your health benefits to continue into retirement, you can cancel your coverage through your employer before you retire. [Retirement Insurance Apollo Beach FL]

Social Security’s Retirement Insurance Benefits are federally funded and administered by the U.S. Social Security Administration (SSA). These are benefits that apply to individuals who have earned enough Social Security credits and are at least age 62. [Retirement Insurance Apollo Beach FL]

As we age, the likelihood of needing assistance with daily activities increases. Long-term care insurance helps cover the expenses associated with longer-term care, whether a nursing home, assisted living facility, or in-home care. [Retirement Insurance Apollo Beach FL]

At What Age Is Life Insurance No Longer Needed? Many people no longer need life insurance once they reach their 60s or 70s. They have retired, their kids have grown up, and they’ve paid off their mortgage and other debt. [Retirement Insurance Apollo Beach FL]

You can either select it when you turn 65, or you may be able to convert your term life policy to a permanent policy. If you already have a term life policy, call your agent and ask about your options! A permanent policy – like universal or whole life insurance – is a type of coverage that builds cash value over time. [Retirement Insurance Apollo Beach FL]

If you have job-based insurance, your coverage usually ends on your last day of work or at the end of that month. The exact date depends on your employee health plan. Sometimes, you will have extended coverage if you leave as a retiree. [Retirement Insurance Apollo Beach FL]

Since Medicare pays first after you retire, your retiree coverage is probably similar to coverage from a Medicare Supplement Insurance (Medigap) policy. Both are likely to offer benefits that fill in some of the gaps in Medicare coverage—like coinsurance and deductibles. [Retirement Insurance Apollo Beach FL]

If you or your spouse are working and covered through an employer, you can also decide to keep this coverage and enroll in Original Medicare, Part A, and/or Part B to get additional health coverage. [Retirement Insurance Apollo Beach FL]

If you retire before you’re 65 and lose your job-based health plan when you do, you can use the Health Insurance Marketplace® to buy a plan. You may qualify for the Special Enrollment Period and have 60 days from the date you lose coverage to enroll in a new plan. If you miss the 60 days you’ll have to wait until the annual open enrollment period which is (November 1 – December 15). [Retirement Insurance Apollo Beach FL]

OUR CLIENT REVIEWS

CONTACT STEVE TURNER INSURANCE AGENT & BROKER

I’m here to take your calls and emails and answer your questions 7 Days a week from 7:00 a.m. to 8:00 p.m., excluding posted holidays.

Steve Turner is a licensed agent, broker, and a longstanding member of the National Association of Benefits and Insurance Professionals®. Steve holds the prestigious designation of Registered Employee Benefits Consultant®. NABIP® is the preeminent organization for health insurance and employee benefits professionals and works diligently to ensure all Americans have access to high-quality, affordable Healthcare and related services.

Steve Turner is a licensed agent appointed by Florida Blue.

EMAIL ME: 24×7


OFFICE LOCATION

Website: steveturnerinsurancespecialist.com

Email: [email protected]

Phone and Text: +1-813-388-8373

Business Hours:

Monday: 7 am to 8 pm

Tuesday: 7 am to 8 pm

Wednesday: 7 am to 8 pm

Thursday: 7 am to 8 pm

Friday: 7 am to 8 pm

Saturday: 7 am to 8 pm

Sunday: 7 am to 8 pm

SERVICE AREA FACTS APOLLO BEACH FL

Apollo Beach is a census-designated place (CDP) located in Hillsborough County, Florida, United States.

Area code: 813

Elevation: 3 ft (1 m)

Zip Codes: 33572

Population (2026): 31,645 (Projected)

GPS: Latitude: 27.7662 Longitude: -82.4003

An Overview of Apollo Beach, Florida

Apollo Beach is a thriving waterfront community located on the eastern shores of Tampa Bay. Positioned south of Riverview and north of Ruskin, it serves as a premier destination for those seeking a coastal lifestyle without leaving the mainland. The community is defined by its extensive canal system, providing many residents with direct deep-water access to the bay. Originally developed in the 1950s and named after the sun god Apollo, the area has transformed from low-lying wetlands into an affluent residential suburb. Its strategic location along the I-75 corridor makes it an ideal spot for professionals commuting to Tampa or Bradenton, offering a serene, aquatic-focused retreat that remains less than 30 minutes from the urban amenities of downtown Tampa.

Key Statistics and Economic Overview

Apollo Beach’s demographics reflect a wealthy, growing, and well-educated community with a strong emphasis on family life and high-end homeownership.

  • Population & Demographics: With a projected population exceeding 31,000, Apollo Beach is experiencing rapid growth, increasing at roughly 3.6% annually. The median age is approximately 41 years, characterizing the area as a dynamic community of established professionals and active families. It is a diverse enclave with a significant veteran presence and a highly educated workforce.
  • Economic Profile: The local economy is exceptionally robust, with a median household income of approximately $127,617—significantly higher than the Florida average. The workforce is predominantly white-collar, with a high percentage of residents employed in management, finance, and “knowledge-based” professions. A notable 24% of the workforce telecommutes, reflecting a modern, tech-savvy economic base.
  • Housing and Lifestyle: Apollo Beach is defined by an exceptionally high homeownership rate of over 85%. The housing market consists primarily of single-family homes, ranging from mid-century builds to sprawling, multi-million dollar waterfront estates. The lifestyle centers on maritime recreation, including boating, fishing, and paddleboarding, maintained by the community’s intricate network of man-made canals and its proximity to nature preserves.

Top Places for Visitors to Explore in Apollo Beach

While Apollo Beach is cherished for its residential privacy, its unique geography provides immediate access to some of the most famous ecological and recreational sites in the Tampa Bay region.

  • Manatee Viewing Center: This award-winning sanctuary is a designated state bird sanctuary and a primary winter refuge for Florida manatees. Visitors can walk the tidal boardwalks to see hundreds of manatees huddling in the warm water discharge from the nearby Big Bend Power Station.
  • E.G. Simmons Regional Park: Located just south of the main community, this 469-acre park offers a rustic, natural experience. It features a popular public beach, a boat launch, and one of the best waterfront campgrounds in the county, surrounded by native mangroves and bird-rich wetlands.
  • Apollo Beach Nature Preserve: Situated at the northern tip of the community, this 63-acre preserve is a quiet spot for shoreline fishing and sunset viewing. It features a 2-acre sandy beach and a 37-foot observation tower offering panoramic views of the Tampa skyline across the bay.
  • Little Manatee River State Park: A short drive away, this park offers visitors a chance to explore the rare ecosystems of the Little Manatee River. It is a premier destination for kayaking, horseback riding, and hiking through sand pine and oxbow wetlands.
  • Beer Can Island (Pine Key): A local favorite accessible only by boat, this island is a popular social hub for boaters. It offers a unique “primitive” party atmosphere with sandy shores and clear water, serving as a central spot for weekend social activity.
  • Golden Aster Scrub Nature Preserve: Part of the Bullfrog Creek Watershed, this 1,181-acre preserve offers miles of marked trails through sandhill and scrub habitats. It is a critical sanctuary for the rare Florida Golden Aster and home to gopher tortoises and various native birds.

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