Group Health Insurance
Group Health Insurance
Whether You Have Two or Two Hundred Employees, We Will Find Plans That Fit Your Budget. Call for a Free Quote.
Steve Turner
Insurance Agent & Broker
Do I Need Group Health Insurance?
Group Health Insurance
To attract and retain the best employees for your business, you have to offer “benefits.” Health insurance is the top need for most employee benefits. I can help you find that plan that gives your employees the most health plan benefits within your budget.
Health Plans & Programs
Whether you focus on providing your employees with “high-value” benefits and choices or offering the lowest-priced alternative, we’ve got you covered.
Everyone deserves quality health care that’s affordable. Florida Blue provides value through health solutions that meet many needs. Whether you focus on providing your employees with “high value” benefits and choices or giving the lowest-priced alternative available, we’ve got you covered. Our end-to-end approach to care and wellness, including a focus on prevention and personal guidance, ensures excellent outcomes for your employees and real demonstrated value for your business.
Our health plans offer:
Our health plans include:
Networks are comprised of independent contracting health care providers.
Blue Cross and Blue Shield of Florida offer only the high-deductible health benefit plan for use with the Health Savings Account (HSA). An HSA is an individual’s account to manage with HealthEquity or any qualified financial institution or trustee of their choice. For more information on opening an HSA, the tax advantages, and the critical tax implications of HSAs as used with a high-deductible health benefit plan, please get in touch with a tax advisor or a financial institution.
Florida Blue has entered into an arrangement with Welltok, an independent company, whereby Welltok has agreed to provide Florida Blue members with care decision support services, information, and other services. Florida Blue has entered into this arrangement to provide a value-added service to its members. Please remember that all decisions that require or pertain to independent professional medical/clinical judgment or training or the need for medical services are solely your responsibility and the responsibility of your Physicians and other healthcare Providers. The programs mentioned above are subject to change. CaféWell® and Personal Health Itinerary ® are trademarks of Welltok, Inc.
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Dental Plans & Programs
Choices range from PPO-style and copay options to prepaid plans that work like a Dental Health Maintenance Organization (DHMO).
Dental protection is essential for good oral health and overall health. Choices range from PPO-style and copay options to prepaid plans that work like a Dental Health Maintenance Organization (DHMO). Now that’s something to smile about!
Networks are comprised of independently contracted dentists. BlueDentalSM plans are offered through Florida Combined Life Insurance Company, Inc., an affiliate of Blue Cross and Blue Shield of Florida, Inc., D/B/A Florida Blue. These companies are Independent Licensees of the Blue Cross and Blue Shield Association. Limitations and exclusions may apply.
Blue Cross and Blue Shield of Florida, Inc., and its affiliate Health Options, Inc., contracts with the Centers for Medicare & Medicaid Services to administer Medicare Advantage and Part D Prescription Drug benefits in Florida. These contracts are renewed annually, and availability beyond the end of the current contract year is not guaranteed.
The number of benefits provided depends upon the plan selected, and the premium may vary depending on the chosen benefits.
Networks are comprised of independent contracting health care providers.
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Visions Insurance
Florida Blue offers BlueVision plans so you can offer your employees a valuable benefit at an affordable cost.
Vision care is essential to maintaining a healthy lifestyle. Florida Blue offers BlueVision plans so you can offer your employees a valuable benefit at an affordable cost. Choose from six plans. Each plan includes access to a wide selection of frames, eyeglass lenses, and contacts––many of which are fully covered. Plus, a comprehensive annual eye exam that is fully covered after a $10 copayment, if applicable.
Blue Cross and Blue Shield of Florida, Inc., and its affiliate Health Options, Inc., contracts with the Centers for Medicare & Medicaid Services to administer Medicare Advantage and Part D Prescription Drug benefits in Florida. These contracts are renewed annually, and availability beyond the end of the current contract year is not guaranteed.
The benefits provided depend upon the plan selected, and the premium may vary with the chosen benefits.
Networks are comprised of independent contracting health care providers.
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Life Insurance
Through our affiliate, Florida Combined Life, we offer LifeEssentialsSM life insurance products with affordable premiums and flexible options designed to provide security and peace of mind.
Life insurance is vital to giving loved ones a secure future if something unexpected happens. Through our affiliate, Florida Combined Life, we offer LifeEssentialsSM life insurance products with affordable premiums and flexible options designed to provide security and peace of mind.
Basic Group Term Life
A term life policy with a death benefit and an accelerated living benefit that pays out 100% to the beneficiary in the event of death regardless of cause and a portion to the insured employee should he or she become terminally ill. This plan includes a waiver of premium in the event the insured employee becomes disabled. There is no buildup of cash value in this plan.
Supplemental Group Term Life
This plan provides additional protection to the Basic Term Life plan. Employees can apply a percentage of their combined Basic and Supplemental Term Life insurance amounts if diagnosed with a terminal condition. Dependent coverage is not available on a supplemental basis.
Voluntary Group Term Life
Voluntary Group Term Life allows employees high amounts of term life insurance protection at a reasonable cost plus accelerated living benefits. In certain circumstances, employees can continue their coverage for themselves and their insured dependents when they change jobs.
Dependent Group Term Life
Dependent Group Term Life insurance gives employees the option of term life for their spouses or unmarried children. This is available for up to 50% of an employee’s Basic Term Life. In a tragedy, benefits are paid regardless of time or cause of death.
Florida Combined Life Insurance Company, Inc., an affiliate of Blue Cross and Blue Shield of Florida, D/B/A Florida Blue offers life insurance. These companies are Independent Licensees of the Blue Cross and Blue Shield Association.
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Disability Insurance
BlueRestoreSM Disability policies offer employees the peace of mind of knowing they have income protection should a disabling condition keep them out of work.
For an employer benefits package that includes employee disability coverage, look no further than BlueRestoreSM Disability policies. When a disabling condition occurs, your employee(s) may be unable to work. Without employment income, they may struggle to cover their everyday living expenses. BlueRestoreSM Disability policies offer employees the peace of mind of knowing they have income protection should a disabling condition keep them out of work.
Voluntary Coverage
We offer voluntary insurance products, including life, worker’s compensation, accident, critical illness, and hospital confinement, to help you protect your employees and their families from the unexpected.
Accident
Accident insurance benefits your employee for a loss due to accidental injury. It helps pay for losses or treatments like major diagnostic exams, medical appliances, emergency dental work, etc.
Critical Illness
Critical Illness Insurance delivers lump sum payments to your employees upon the first diagnosis of a covered illness. This insurance protects your employee and their family from the financial impacts that can result from a heart attack, stroke, or cancer.
Hospital Confinement
Hospital Confinement Insurance helps cover the costs associated with hospital stays, such as out-of-pocket deductibles and copays and provides benefits for inpatient expenses.
Voluntary products are provided by USAble Life, an independent company that operates separately from Blue Cross and Blue Shield of Florida, Inc., D/B/A Florida Blue. USAble Life does not sell or service Florida Blue products. USAble Life is the insurer and is solely responsible for the Accident, Critical Illness, and Hospital Indemnity products referenced here.
Blue Cross and Blue Shield of Florida, Inc., and its affiliate Health Options, Inc., contracts with the Centers for Medicare & Medicaid Services to administer Medicare Advantage and Part D Prescription Drug benefits, in the state of Florida. These contracts are renewed annually, and availability beyond the end of the current contract year is not guaranteed.
The amount of benefits provided depends upon the plan selected and the premium may vary with the amount of benefits selected.
Networks are comprised of independent contracting health care providers.
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How I Can Help You
Group Health Insurance
MULTIPLE PLAN OPTIONS
With flexible plan options at varying levels of coverage, we let you build the plan that works for you and that includes benefits for:
FAMILY COVERAGE
Cover yourself, your spouse, and your children at affordable monthly rates.
GUARANTEED FOR LIFE
We know how vital accident insurance is for yourself, your family, and your business. That’s why we offer policies that are guaranteed for life.
Group HEALTH INSURANCE AGENT AND BROKER NEAR ME
Group Health Insurance
As your Group Health Insurance Agent and Broker, 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 Group Health Insurance agent, I take the burden off your shoulders by custom-tailoring Group Health Insurance packages to fit your needs.
I can help you save on severe medical emergencies and find a group health insurance plan that offers low- to no-cost doctor visits and prescription medication. 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.
Group Health insurance is constantly changing, and I work tirelessly to stay informed about the latest developments in the market.
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 Group Health 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
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Group Health Insurance
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Accident Insurance Plans
Dental Insurance Plans
Disability Insurance Plans
Group Health Insurance Plans
Health Insurance Plans
Life Insurance Plans
Long Term Care Insurance Plans
Medicare Advantage Insurance Plans
Medicare Supplement Insurance Plans
Prescription Drug Insurance Plans
Retirement
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
STEVE TURNER INSURANCE SPECIALIST
STEVE TURNER REBC®
14502 N DALE MABRY HWY
SUITE 200
TAMPA, FL 33618
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
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SERVICE AREA – USA
The United States: Facts and Top Visitor Sites
The United States of America is a vast and diverse country encompassing a wide array of cultures, landscapes, and iconic landmarks. Here are some key facts and top attractions:
Facts about the USA
The United States is a vast and diverse country, offering a rich tapestry of culture, history, and natural beauty. Here is a comprehensive overview of key statistics and top visitor attractions across the nation.
Key U.S. Statistics and Economic Overview
The United States is a global leader in population, economy, and innovation, attracting people from all over the world.
- Population and Demographics: As of 2025, the U.S. population is projected to be over 343 million people, making it the third most populous country in the world. The population is diverse, with a significant Hispanic and Latino population that accounts for a large portion of the recent growth. The median age is around 39 years, and a growing segment of the population is over 65, reflecting an aging nation.
- Geography: Third largest country by land area, behind Russia and Canada. It stretches across 3.8 million square miles and boasts 4 million miles of roads.
- National Parks: 63 national parks across the nation.
- Government-owned Land: 37% of the land is owned by the government (federal, state, and local).
- Diversity: The US is a diverse country, with a growing non-white population. Non-Hispanic white people currently make up the largest ethnic group, but their share of the population has decreased over time. The Hispanic population has seen the most significant growth, increasing by 23% between 2010 and 2020.
- Languages: While English is the primary language, Spanish is the most common non-English language spoken at home, followed by Chinese and Tagalog.
- Aging Population: Americans are living longer, with the 65 and older population increasing significantly.
- Economy & Key Industries: The U.S. economy is the largest in the world by nominal GDP. Its economic strength is built on several key industries:
- Financial Services: This sector is a global powerhouse, centered in cities like New York, with major hubs for banking, insurance, and investment.
- Technology and Information Technology (IT): The U.S. is a world leader in technology, with major tech hubs in Silicon Valley, Austin, and Seattle, driving innovation in software, hardware, and digital services.
- Healthcare and Social Assistance: As the largest private employment sector in the country, healthcare is a massive industry with a high demand for skilled workers and ongoing innovation.
- Manufacturing: The U.S. manufacturing sector is a backbone of the economy, producing everything from automobiles and aerospace components to medical equipment and consumer goods.
- Work from Home Trends: More Americans are working remotely compared to pre-pandemic times. In 2022, 15% of Americans worked from home, up from 6% in 2019.
Top Places for Visitors to Explore in the USA
The United States offers an incredible variety of destinations, from iconic cities to breathtaking national parks.
- New York City, New York: A global icon, New York City is famous for its vibrant culture, world-class museums, and iconic landmarks. Visitors can explore Times Square, see a Broadway show, visit the Statue of Liberty, and walk through Central Park. The city offers an endless array of dining and shopping experiences.
- The Grand Canyon, Arizona: A breathtaking natural wonder carved by the Colorado River, the Grand Canyon National Park is a must-see. Visitors can take in panoramic views from the South Rim, hike into the canyon, or take a helicopter tour for a unique perspective.
- Las Vegas, Nevada: Known as “The Entertainment Capital of the World,” Las Vegas is famous for its casinos, luxury hotels, and spectacular live shows. The Las Vegas Strip is a bustling boulevard with unique attractions and a vibrant nightlife.
- Orlando, Florida: The “Theme Park Capital of the World,” Orlando is home to some of the world’s most famous attractions, including Walt Disney World Resort and Universal Orlando Resort. It is a top destination for families and anyone seeking a thrilling, magical vacation.
- Washington, D.C.: The nation’s capital is a city of history and monuments. Visitors can explore the National Mall, which connects the Lincoln Memorial, Washington Monument, and the U.S. Capitol. It’s also home to the Smithsonian Institution’s world-class museums.
- Yellowstone National Park, Wyoming: As the first national park in the U.S., Yellowstone National Park is a marvel of geothermal activity and wildlife. It is home to the famous Old Faithful geyser, the Grand Prismatic Spring, and a wide variety of animals, including bison, bears, and wolves.
- San Francisco, California: This iconic city on the West Coast is famous for the Golden Gate Bridge, its historic cable cars, and diverse neighborhoods. Visitors can explore Fisherman’s Wharf, Alcatraz Island, and the beautiful Golden Gate Park.
- Hawaii: The state of Hawaii is an archipelago in the Pacific Ocean known for its stunning natural beauty, volcanic landscapes, and rich Polynesian culture. Visitors can relax on beautiful beaches, hike through lush rainforests, and explore the Hawaii Volcanoes National Park on the Big Island.
- Great Smoky Mountains National Park, North Carolina/Tennessee: The Great Smoky Mountains National Park is the most visited national park in the U.S. and is known for its beautiful mountains, diverse plant and animal life, and rich Appalachian culture.
- New Orleans, Louisiana: This historic city on the Mississippi River is famous for its unique blend of cultures, live music, and vibrant festivals. The French Quarter is a lively neighborhood with historic architecture, delicious Creole cuisine, and jazz clubs.
