Vogt Insurance Partners

05/30/2026

They're betting you won't show up. Let's prove them wrong.

Vote for Phil Vogt - Best Insurance Agent in Brevard.

Takes 30 seconds.

https://floridatoday.gannettcontests.com/2026-Brevard-Communitys-Choice-Awards/gallery?group=536894

05/29/2026

AI can give you information.
A broker helps you make the right decision with it.

Health insurance is more than searching premiums online. It’s understanding networks, coverage, deductibles, and what actually fits your situation long term.

Technology is a great tool, but having a real person in your corner still matters when it comes to protecting your health and finances.

05/26/2026

Open Enrollment Is 6 Months Away

Here's what's helpful to know now

📅 When: November 1 – December 31 for coverage starting January 1, 2027
(Enroll by January 15 for coverage starting February 1, 2027)

👤 Who it's for: Anyone purchasing their own health insurance, rather than through an employer:

- Self-employed individuals and 1099 contractors
- Small business owners
- Early retirees (under 65)
- Those between jobs

⏰ Why timing matters:

Open enrollment is the main window to enroll or make changes for the year. If you miss it, you'll generally need to wait until the next enrollment period, unless you experience a qualifying life event such as a job change, marriage, or new baby.

🎯 A few things you can do now to prepare:

- Make a list of your current doctors and medications
- Take a look at what you spent on healthcare this year
- Think through any upcoming procedures or life changes

A little planning ahead goes a long way.

As November approaches, schedules tend to fill up quickly, so starting early gives you more time to explore your options thoughtfully.

Ready to start planning or revisiting your 2027 coverage?

📞 Give us a call at (321) 421-7283 — we're already booking fall planning consultations.

05/23/2026

https://www.vogtinsurancepartners.com/blog

If you’ve been hearing the buzz about AmeriStead and wondering what it actually is, we broke it down for you.

New products always come with questions. How does it work? Who is it a fit for? What makes it different?

We put together a quick blog to help you understand the details, who it may make sense for, and what to consider before making a decision. Read the blog and see if AmeriStead could be a fit for you or your business.

Karly Vogt 4/14/26 Karly Vogt 4/14/26 Introducing Ameristead Health. Vogt Insurance Partners now offers Ameristead Health — flexible, affordable health insurance exclusively for 1099 workers, self-employed professionals, and small business owners with an EIN. Read More Karly Vogt 4/9/26 Karly Vogt...

05/23/2026

If Phil's ever helped you understand your coverage or just answered the phone when you called—this is your chance to return the favor.

Vote for Best Insurance Agent in Brevard.

https://floridatoday.gannettcontests.com/2026-Brevard-Communitys-Choice-Awards/gallery?group=536894

05/16/2026

Best Insurance Agent in Brevard? That's Philip.

Vote to make it official.

https://floridatoday.gannettcontests.com/2026-Brevard-Communitys-Choice-Awards/gallery?group=536894

05/12/2026

How to Check If Your Doctor Is In-Network: A quick guide to help you avoid unexpected bills

3 Ways to Check:

1️⃣ Call the Doctor's Office
Ask: "Do you accept [insurance company name] [plan name]?"

- Be specific about your plan type (HMO, PPO, etc.)
- Jot down the name of who you spoke with and the date

2️⃣ Check Your Insurance Company's Website

- Log into your account
- Use the "Find a Doctor" or "Provider Directory" tool
- Search by your doctor's name or specialty

3️⃣ Call Your Insurance Company

- The number is on the back of your insurance card
- Have your doctor's name and NPI number ready
- Ask if they're in-network for your specific plan

💡 Good to know: Provider networks can change from year to year, so a doctor who was in-network last year may not be this year. A quick check before your appointment can save you from an unexpected bill.

If a provider is out-of-network, your costs could be significantly higher — and in some cases, your plan may not cover the visit at all.

Need a hand verifying your providers?

📞 Give us a call at (321) 421-7283 — we're always happy to help.

05/11/2026

You can call a 1-800 number and get a policy.

Or you can work with someone who actually knows your situation, answers when things go wrong, helps with claims, billing issues, doctor networks, renewals, and doesn’t disappear after enrollment.

Health insurance isn’t just about getting covered.
It’s about having someone in your corner when you actually need to use it.

05/09/2026

Your deductible — made simple

It's the amount you pay for medical care each year before your insurance starts chipping in.

Quick example: Your deductible is $3,000. You get a $5,000 medical bill.

You pay the first $3,000
Insurance helps cover the rest

Good to know:
✓ It starts over every January 1st
✓ Your monthly premium doesn't count toward it either
✓ After you hit it, you'll usually just pay a small portion of each bill

"Do copays count toward my deductible?"

Usually not. They're tracked separately but keep in mind, every plan detail varies.

Still have questions? We explain this every day.

📞 Call us: (321) 421-7238

05/09/2026

Six years ago, VIP started small. Really small. But the vision was big from day one.

In 2023, we signed the lease on our first office in central Melbourne. It was the space where we found our footing, where we grew our team, helped more local families, and started dreaming about what could come next.

We always said that one day we'd outgrow it. That one day we'd need somewhere bigger to hold everything we were building.

This is the year it's happening.

We've moved into our new home in North Melbourne, a space with room for bigger teams, serving more businesses & families, and the next chapter of what VIP is becoming.

The renovations aren't quite finished, but we're close, and we can't wait to show you the little details that make this space feel like ours. There's room here for more agents to plant roots too, and we're so excited about who's coming with us into what's next.

To everyone who's been part of the ride so far, thank you. This one means a lot.