Ruby Health Insurance Services

Ruby Health Insurance Services As a health insurance broker with 16+ years of experience, Michael Rubenstein helps individuals,

💡 Can I be denied health insurance for a pre-existing condition?📌 Truth: Thanks to the Affordable Care Act (ACA), you ca...
09/10/2025

💡 Can I be denied health insurance for a pre-existing condition?

📌 Truth: Thanks to the Affordable Care Act (ACA), you cannot be denied coverage or charged more just because of a pre-existing condition.

Whether it's diabetes, asthma, cancer, or any chronic illness, you’re protected by law. All ACA-compliant health insurance plans must offer coverage without discrimination, so you can get the care you need without fear of rejection.

🛡️ At Ruby Insurance, we help you navigate your options and enroll in plans that meet your health needs, no matter your medical history.

📲 Call us or visit ruby-insurance.com
to get started!

What is a PPO? A Preferred Provider Organization (PPO) health plan gives you more freedom when it comes to your healthca...
09/09/2025

What is a PPO? A Preferred Provider Organization (PPO) health plan gives you more freedom when it comes to your healthcare choices.

✅ No referrals needed to see specialists
✅ Flexibility to see out-of-network doctors (with partial coverage)
✅ Ideal for those who travel or want more provider options

PPO plans typically come with higher premiums, but the convenience and choice they offer can make them a wise investment for many families and individuals.

📲 Need help deciding if a PPO is right for you? Let Ruby Insurance guide you through your options and find the perfect plan for your lifestyle.

📆 Lost your job-based insurance? You may qualify for a Special Enrollment Period (SEP)!If you recently lost your health ...
09/08/2025

📆 Lost your job-based insurance? You may qualify for a Special Enrollment Period (SEP)!

If you recently lost your health coverage due to job loss, don’t panic; you don’t have to wait for Open Enrollment to get insured. A Special Enrollment Period lets you shop for a new plan right away, often with subsidies to lower your cost.

➡️ Let Ruby Insurance help you navigate your options and find affordable coverage that fits your needs.

📲 Contact us today and stay protected when life changes suddenly.


🏡 Can I keep my insurance if I move to another state?📌 Not always. Many health insurance plans are state-specific, which...
09/04/2025

🏡 Can I keep my insurance if I move to another state?

📌 Not always. Many health insurance plans are state-specific, which means your coverage might not follow you across state lines.

✈️ Moving to a new state? It’s the perfect time to review your plan! You may qualify for a Special Enrollment Period, allowing you to update or change your health insurance without waiting for Open Enrollment.

💡 Ruby Insurance can help you navigate this transition, whether you’re relocating for work, school, or family.

We’ll find a new plan tailored to your new location and lifestyle.

📲 Call (847) 414-6621 or visit ruby-insurance.com
to get expert help with your move and your coverage.


🛑 48% of families say the death of a breadwinner would cause immediate financial trouble (LIMRA). That means nearly half...
09/03/2025

🛑 48% of families say the death of a breadwinner would cause immediate financial trouble (LIMRA). That means nearly half of U.S. households would face bills, mortgage payments, or even daily expenses without a safety net.

💡 Life insurance turns panic into protection; it can cover funeral costs, replace lost income, help pay off debts, and even secure your child’s education. It’s not just about preparing for the worst; it’s about planning for your family’s future.

👉 At Ruby Insurance, we offer flexible, affordable life insurance options designed to fit your budget and give you confidence that your loved ones will be taken care of, no matter what.

📲 Call (847) 414-6621 or visit ruby-insurance.com
to explore your options today.


💼 This Labor Day, we honor the hardworking individuals and families who keep our communities strong. Whether you're a bu...
09/01/2025

💼 This Labor Day, we honor the hardworking individuals and families who keep our communities strong. Whether you're a business owner, a self-employed go-getter, or a full-time parent, your work matters, and so does your protection.

✅ At Ruby Insurance, we’re here to make sure your health and peace of mind are covered year-round.

📞 Call us today at (847) 414-6621 to review your coverage or explore better options.


Thank you so much for your kind words! We're glad Mike could step in, solve the issue, and get you the coverage you need...
08/27/2025

Thank you so much for your kind words! We're glad Mike could step in, solve the issue, and get you the coverage you needed.

Your trust means everything to us. Thank you for letting Ruby Insurance be part of your journey.

Accidents can happen anytime—and the financial aftermath shouldn’t catch you off guard. That’s where Accident Insurance ...
08/26/2025

Accidents can happen anytime—and the financial aftermath shouldn’t catch you off guard. That’s where Accident Insurance steps in to give you peace of mind when life takes an unexpected turn.

Here’s why adding Accident Insurance through Ruby Insurance is a smart move:
1️⃣ Get paid directly after a covered accident—use it for medical bills, transportation, rent, or lost income.
2️⃣ No deductibles or network restrictions—you receive cash benefits regardless of your existing health plan.
3️⃣ It’s ideal for families with kids, active adults, or self-employed workers who can’t afford time off without support.

💡 Plus, many plans begin immediately—no waiting period required.
📲 Let Ruby Insurance help you customize a plan that fits your life.

📞 Call today: (847) 414-6621

💸 Myth: Health insurance is too expensive to afford.📌 Truth: Over 75% of uninsured individuals overestimate the cost of ...
08/25/2025

💸 Myth: Health insurance is too expensive to afford.

📌 Truth: Over 75% of uninsured individuals overestimate the cost of health insurance. Many qualify for government subsidies, tax credits, or low-cost private plans, predominantly when guided by a licensed health insurance broker. The real cost of being uninsured? Unexpected medical bills that could lead to debt or delayed care.

At Ruby Insurance, we specialize in helping families, self-employed professionals, and small business owners find affordable health coverage that fits their needs and budget. We’ll walk you through subsidy eligibility, compare plans from trusted carriers, and make sure you’re not overpaying.

✅ Don’t assume it’s out of reach. Let us help you uncover your options.

📞 Call Ruby Health Insurance Services at (847) 414-6621 today for your free consultation
🌐 Learn more: ruby-insurance.com

👨‍👩‍👧‍👦 Protect What Matters Most, Your Family’s HealthDid you know that over 60% of bankruptcies in the U.S. are tied ...
08/21/2025

👨‍👩‍👧‍👦 Protect What Matters Most, Your Family’s Health

Did you know that over 60% of bankruptcies in the U.S. are tied to medical expenses? Having the right health insurance can make all the difference. At Ruby Insurance, we help families across the country find affordable, comprehensive coverage tailored to their unique needs, from pediatric care to chronic condition management and preventive services. 💡💙

✅ Plans with dental & vision add-ons
✅ In-network provider support
✅ Maternity and wellness coverage available
✅ Bilingual assistance available

Don’t wait until the unexpected happens.

📲 Call (847) 414-6621 or visit ruby-insurance.com to schedule your personalized consultation today.







💰 A subsidy is financial assistance from the government that helps lower your monthly health insurance premiums and out-...
08/20/2025

💰 A subsidy is financial assistance from the government that helps lower your monthly health insurance premiums and out-of-pocket costs.

✅ If you meet specific income requirements, you could qualify for a significant discount on your health plan, making quality coverage more affordable than ever.

📉 Over 80% of people who apply qualify for some subsidy through the Health Insurance Marketplace!

✨ Don’t miss out on money-saving opportunities:
➡️ Check your eligibility
➡️ Compare plans with subsidies applied
➡️ Enroll in a plan that fits your budget and needs

Ready to see how much you could save?

📲 Contact Ruby Insurance at (847) 414-6621 or visit ruby-insurance.com to get started today!


📌 HMO (Health Maintenance Organization)An HMO is a popular type of health insurance plan that offers lower premiums and ...
08/18/2025

📌 HMO (Health Maintenance Organization)

An HMO is a popular type of health insurance plan that offers lower premiums and reduced out-of-pocket costs, but with one key rule: you must use doctors and facilities within the plan’s network and typically need a referral from your primary care physician to see a specialist. 👩‍⚕️➡️👨‍⚕️

This model works best for families or individuals who want coordinated care and are comfortable sticking with one network of providers. It’s cost-effective, reliable, and encourages preventive care, but less flexible than PPO plans.

✅ Great for budget-conscious families
✅ Encourages routine checkups
✅ Streamlined healthcare coordination

Want help understanding which plan fits your needs best?

📲Call Ruby Insurance today at (847) 414-6621 or visit ruby-insurance.com to explore your best-fit health coverage options!

Address

2803 Fruitville Road
Sarasota, FL
34237

Opening Hours

Monday 8am - 7pm
Tuesday 8am - 7pm
Wednesday 8am - 7pm
Thursday 8am - 7pm
Friday 8am - 7pm
Saturday 11am - 3pm

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