|⏳ 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 Tampa 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 Tampa 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.


OUR RESULTS

LISTENING SKILLS

SCORE = 100

PLAN CHOICES

SCORE = 100

BUDGET FIT

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RETIREMENT

Retirement Insurance Tampa FL: What Types of Insurance Will I Need?

Retirees and soon to be retirees living in Tampa 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 Tampa FL FAQ

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 Tampa 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 Tampa 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 Tampa 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 Tampa 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 Tampa 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 Tampa 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 Tampa 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 Tampa 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 Tampa 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 Tampa 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 TAMPA FL

Tampa is a city on Tampa Bay, along Florida’s Gulf Coast. A major business center, it’s also known for its museums and other cultural offerings. Busch Gardens is an African-themed amusement park with thrill rides and animal-viewing areas. The historic Ybor City neighborhood, developed by Cuban and Spanish cigar-factory workers at the turn of the 20th century, is a dining and nightlife destination. ― Google

Population: 414,547 (2024)

Sales tax: 7.5% taxcloud.com

Area codes: 813, 656

Demonym(s): Tampan, Tampanian, Tampeño

Elevation: 48 ft (14.6 m)

Incorporated (City of Tampa): December 15, 1855 and; July 15, 1887

Incorporated (Town of Tampa): September 10, 1853 and; August 11, 1873

An Overview of Tampa, Florida

The city of Tampa is a vibrant hub on Florida’s Gulf Coast, known for its unique blend of historical charm, modern urban life, and stunning natural beauty. As a major city in the Tampa Bay metropolitan area, it has grown significantly in recent years, attracting new residents and visitors with its diverse culture, strong economy, and warm, subtropical climate. Tampa is much more than just a gateway to the Gulf beaches; it is a destination in its own right with a rich history and a bright future.


Key Statistics and Economic Drivers

  • Population and Demographics: As of 2023, the city’s population is approximately 393,000, with an estimated metropolitan area population exceeding 3.4 million. The median age is around 35, making it a relatively young and dynamic city. Tampa is also racially and ethnically diverse, with a significant Hispanic or Latino population, a strong Black community, and a large number of foreign-born residents.
  • Weather and Climate: Tampa’s weather is a major draw. The city has a humid, subtropical climate with two distinct seasons. The hot, humid season runs from May through October, with average daily highs in the low 90s °F. The milder, dry season from November through April sees average daily highs below 74°F. The warmest month is typically August, and the coolest is January.
  • Economy: Tampa’s economy is robust and diverse. Key industries include financial and professional services, information technology, life sciences and healthcare, and defense and security. The city is also home to MacDill Air Force Base and a thriving maritime industry, with the Port of Tampa Bay being the largest in the state. Tourism remains a vital part of the economy, supporting tens of thousands of local jobs.

Top Places to Visit in Tampa

Tampa offers a wide array of attractions and activities for all ages and interests. You can find everything from thrilling amusement parks and world-class aquariums to historic neighborhoods and cultural gems.

  • Busch Gardens Tampa Bay: A premier destination for adventure seekers, Busch Gardens combines a world-class amusement park with a zoo. Here you can ride some of the country’s most famous roller coasters, see exotic animals in natural habitats, and enjoy spectacular live entertainment.
  • The Florida Aquarium: Located in downtown Tampa, the Florida Aquarium is a must-see for marine life lovers. It houses thousands of aquatic animals and plants from Florida and beyond. You can explore a simulated wetlands environment, a coral reef, and a huge tank with sharks, turtles, and other ocean inhabitants.
  • Ybor City: Known as Tampa’s historic Latin Quarter, Ybor City is a National Historic Landmark District with a unique, vibrant atmosphere. You can explore the brick-lined streets, visit historic cigar factories, enjoy authentic Cuban and Spanish cuisine at the famous Columbia Restaurant, and experience the lively nightlife.
  • ZooTampa at Lowry Park: This highly-rated zoo focuses on conservation and animal care. ZooTampa features more than 2,000 animals from Florida, Africa, Asia, and Australia, with many in naturalistic habitats. It’s a great place for families, offering animal encounters and interactive exhibits.
  • Tampa Riverwalk: A scenic 2.6-mile path running along the Hillsborough River, the Tampa Riverwalk connects many of the city’s top attractions. You can stroll, bike, or jog along the waterfront, stopping at parks, museums like the Tampa Museum of Art, and dining spots such as Sparkman Wharf and Armature Works.
  • Museum of Science & Industry (MOSI): MOSI provides an engaging and hands-on experience for visitors of all ages. You can explore interactive exhibits on a wide range of topics from outer space to the human body, participate in a ropes adventure course, and watch educational films in the IMAX theater.
  • Adventure Island: If you need to beat the Florida heat, Adventure Island is the perfect place. This tropical-themed water park offers thrilling water slides, a lazy river, wave pools, and other splashy attractions, providing fun for the entire family.
  • Henry B. Plant Museum: Housed in the beautiful Victorian-era Tampa Bay Hotel, the Henry B. Plant Museum showcases the lavish lifestyle of America’s Gilded Age. You can step back in time and view original furnishings and artifacts, learning about the history of the railroad and the hotel’s role in the Spanish-American War.

RETIREMENT INSURANCE POSTS

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