Fort Lauderdale
Fort Lauderdale is in Broward County, just south of our Palm Beach County base. Bernard Health Group Inc. works with clients across South Florida by phone, email and video — and we are licensed to help you wherever you live in Florida.
No obligation. No cost to you. We never sell your information.
Health plans are built around provider networks, and Broward County is its own market. A plan that works well in Palm Beach County may not include the Broward physicians and facilities you actually use.
So the first thing we do with a Fort Lauderdale client is check the network against your real providers — the primary care office you have used for years, the specialist you see twice a year, the hospital closest to home.
Fort Lauderdale's economy runs on the water and on visitors — marine and yachting work, hotels, restaurants, tourism and the trades that support them. Much of that work is seasonal, contract-based or self-employed, and it rarely comes with a group health plan.
When a contract ends or hours are cut, coverage usually ends with it. A Special Enrollment Period is generally open for 60 days from the date coverage stops, and we move quickly when that clock is running.
Captains, crew, contractors, salon owners, realtors, delivery and rideshare drivers — for clients like these, the household income estimate is the most important number on the application, because it drives eligibility for premium tax credits.
We build that estimate from your actual business and household income, and we revisit it when the year goes differently than planned.
Many Fort Lauderdale residents split the year between Florida and somewhere else. That changes which plan makes sense, because some plans are built around a local network while others travel better.
We go through where you actually receive care, how long you spend in each place, and what happens if you need a specialist while you are away — before you enroll, not after.
For families, we compare household deductibles, pediatric coverage and prescription tiers, and we check whether children may be eligible for Florida KidCare. For small business owners, we compare individual coverage against small group options and tell you honestly when a group plan is more administration than it is worth at your size.
South Florida families usually come to us for two reasons: protecting a mortgage and an income while children are young, or making sure final expenses do not land on the children later. Term coverage handles the first cheaply; a small permanent policy handles the second.
One conversation
Tell us what you're protecting. We'll come back with real numbers from real carriers — and you choose what happens next.
No obligation · No cost to you · Your information stays private