|⏳ 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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PLAN CHOICES

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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 an unincorporated census-designated place in Hillsborough CountyFlorida, United States. The population was 14,055 at the 2010 census, up from 7,444 at the 2000 census.

Of course. From my vantage point here in the established suburbs of northwest Hillsborough County, Apollo Beach represents a completely different, yet equally compelling, facet of our region. It’s a community born from a developer’s vision, a place literally dredged from the mangrove shoreline of Tampa Bay to create a boater’s paradise. It’s a perfect case study in mid-century Florida development.


From Pasture to Paradise: The Making of Apollo Beach 🏗️

Unlike communities that grew organically over a century, Apollo Beach was meticulously planned and created in the post-war era. Prior to the 1950s, this stretch of South Hillsborough County was little more than low-lying pastureland, swamp, and mangrove forests, used primarily for grazing cattle.

The transformation began in the mid-1950s when a Michigan developer named Francis J. Corr purchased the land. His company, Tampa Beach, Inc., embarked on an ambitious and massive dredging project. They dug miles of canals, using the dredged earth to build up the surrounding land, creating thousands of waterfront lots. This engineering feat is the very foundation of the community’s identity; it wasn’t a town that happened to be on the water, but a town created for the water.

The name, Apollo Beach, was pure marketing brilliance for the era. It has no historical connection to the area itself. Instead, it was chosen to evoke two powerful and alluring concepts: Apollo, the Greek god of the sun, and the idyllic lifestyle of the beach. This aspirational naming was designed to attract sun-seeking families and retirees from the North, and it worked spectacularly. The first homes were sold in the late 1950s, and the community has been growing ever since.


Life on the Water 🚤

The entire culture of Apollo Beach revolves around the water. Its defining characteristic is the vast network of residential canals, many of which offer residents private docks and direct, deep-water access to the open waters of Tampa Bay. It’s a community where owning a boat is as common as owning a second car.

Visually, the most dominant landmark isn’t a historic building but the towering smokestacks of Tampa Electric’s Big Bend Power Station. While an industrial facility might seem out of place, TECO has turned it into one of the area’s greatest assets by creating the world-famous Manatee Viewing Center. In the cooler winter months, hundreds of manatees flock to the power station’s clean, warm-water discharge canals, creating an unparalleled wildlife viewing opportunity that draws visitors from all over the world.

In recent years, the explosive growth of the greater SouthShore area, including neighboring Riverview and Ruskin, has transformed Apollo Beach from a relatively quiet, isolated community into a key part of a bustling coastal region.


Apollo Beach by the Numbers 📊

Here are the key demographic details for this unique waterfront CDP:

  • Official Designation: Census-Designated Place (CDP)
  • County: Hillsborough
  • Established: Development began in the mid-1950s.
  • Named For: The Greek god Apollo (for the sun) and the “beach” lifestyle.
  • Population: Approximately 29,000 residents.
  • Area: About 22.3 square miles, with a significant portion (nearly 10%) being water.
  • Median Age: Roughly 44 years old.
  • Racial & Ethnic Composition:
    • White (non-Hispanic): ~65%
    • Hispanic or Latino: ~17%
    • Black or African American: ~9%
    • Asian: ~3%
  • Median Household Income: Approximately $95,000, well above the county average, reflecting the value of its waterfront properties.

Local Hangouts and SouthShore Gems 🍔

The local business scene is, unsurprisingly, centered on the water and the relaxed, coastal vibe of the community.

  • TECO Manatee Viewing Center: An absolute must-visit. This free attraction offers incredible, up-close views of Florida’s gentle giants from November to April, complete with educational exhibits and a nature trail.
  • Circles Waterfront Restaurant: For decades, Circles has been the go-to spot in Apollo Beach for waterfront dining. It offers everything from casual tiki bar fare to upscale indoor dining with panoramic views of the bay.
  • Apollo Beach Nature Preserve: A 63-acre county park that provides one of the few sandy beach areas in the community. It’s a popular spot for fishing, relaxation, and watching spectacular sunsets over Tampa Bay.
  • Finn’s Dockside Bar & Grill: Located within the Lands End Marina, Finn’s perfectly captures the local lifestyle. It’s a casual, open-air restaurant and bar where you can arrive by boat, enjoy live music, and grab a fresh grouper sandwich.
  • MiraBay Club: While a private amenity for the residents of the large MiraBay development, the community itself represents the newer phase of Apollo Beach’s growth, featuring resort-style living with clubhouses, pools, and extensive amenities that build on the original vision of a complete lifestyle community.

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