Lake Worth Beach
Bernard Health Group Inc. helps Lake Worth Beach residents and small business owners compare health, life and ancillary coverage — in plain language, without pressure, and without assuming you already know how insurance is supposed to work.
No obligation. No cost to you. We never sell your information.
Lake Worth Beach is a city of small businesses, trades and working families. Many of the households we help have no employer plan at all — the business is too small to offer one, or the work is seasonal, or the job does not come with benefits.
That is not a failure on anyone's part. It just means the coverage decision is yours to make, and it helps to have someone walk through it with you.
Deductible, coinsurance, formulary, network, out-of-pocket maximum — the words are not complicated, but nobody ever explains them. We do, and we will keep explaining until it makes sense rather than moving on because the sale is ready.
If you would rather have a family member, a friend or someone you trust on the call with you, that is welcome. Bring them.
If you lost coverage when a job ended, you generally have 60 days from the date it ended to enroll through a Special Enrollment Period. If your household income is below the Florida Medicaid threshold, the Marketplace application will route to Medicaid instead — that is a real option, not a rejection.
Either way, the first call is worth making early. The window is the whole opportunity.
We check household deductibles, pediatric visits and prescription costs, and we look at whether your children may be eligible for Florida KidCare. For a lot of families that is the better answer, and we will tell you so even though it is not a plan we sell.
Many clients here are more concerned about not leaving a bill behind than about replacing an income. A small permanent policy — often between $5,000 and $25,000 — is usually enough to cover a funeral, burial and the loose ends, and most are approved on health questions alone with no medical exam.
Premiums are locked for life, and the coverage cannot be cancelled as long as you pay it.
You will talk to a licensed agent, not a call center, and you will get the same person each time. There is no charge for our help — carriers pay us when you enroll, and it never adds a dollar to your premium. If the honest answer is that you should stay where you are, that is what we will tell you.
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