Surety Health & Life Insurance

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Surety Health & Life Insurance Based in Wesley Chapel, we proudly serve individuals, families, and businesses across Florida.

We specialize in Medicare, health insurance, group health, dental, and life insurance. Our mission is simple — to provide honest guidance, tailored coverage, an

I’ve been getting calls about contract negotiations between insurance companies and local hospitals and doctors, includi...
10/16/2026

I’ve been getting calls about contract negotiations between insurance companies and local hospitals and doctors, including agreements scheduled to end December 31, 2026. Whether you received a letter or email, saw something in the news, or heard about it from a friend, you may be wondering: What does this mean for my coverage? Will they reach an agreement? And what should I do now?

Here is how I suggest approaching it:

What does a contract termination notice mean?

It means the current agreement is scheduled to end. It does not automatically mean your doctor or hospital is already out-of-network today. Read your notice carefully to see which specific plans, facilities, and dates are affected.

Will they reach an agreement?

A new agreement is possible, but there is no guarantee. Until an official agreement is announced, it is best not to assume either outcome - that everything will resolve or that the provider will definitely leave the network.

Should I cancel upcoming appointments?

A notice regarding a future potential network change is not, by itself, a reason to cancel current care. Always confirm your provider’s current network status with your insurance plan and contact your doctor’s office directly regarding ongoing treatment.

Do I need to change my Medicare Advantage plan?

Not automatically. The first step is to review your exact plan, your preferred doctors and hospitals, your prescriptions, and your expected cost - rather than making a quick decision based on a headline.

What should you do right now?

Keep any notices you receive from your plan or provider.

Check whether the notice applies to your specific plan type and doctors.

Follow official updates directly from both organizations.

Review your 2027 options before Medicare Annual Enrollment ends December 7. Changes made during this window (Oct 15 – Dec 7) generally take effect January 1.

If you are receiving ongoing treatment, ask your plan about transition-of-care or continuity-of-care options that may apply.

My goal is to help you understand what is confirmed, what is still uncertain, and what your options are - without pressure to change plans.

Disclaimer: Private licensed agency; not connected with or endorsed by the U.S. government or the federal Medicare program. We do not offer every plan available in your area. Please contact Medicare.gov or 1-800-MEDICARE to review all options.

📬 Your Medicare plan may be changing for 2027—but you can change plans too during Open Enrollment.If you received an Ann...
10/10/2026

📬 Your Medicare plan may be changing for 2027—but you can change plans too during Open Enrollment.

If you received an Annual Notice of Change (ANOC) or a plan non-renewal letter in the mail, don’t ignore it. These notices mean two distinct things:

✅ An ANOC explains changes to your current plan’s costs, doctor network, or prescription coverage for 2027.

✅ A Non-Renewal Notice means your current plan is ending, so you’ll need to pick a replacement plan.

Medicare Annual Enrollment runs October 15 – December 7. Changes take effect January 1, 2027. Now is the time to review your notice and prepare:
💊 Prescriptions & Pharmacy: Check medication tiers and estimated drug costs.
👨⚕️ Doctors & Hospitals: Confirm your primary providers are still in-network.
💵 Expected Costs: Review premiums, deductibles, and out-of-pocket maximums.

You don’t have to decipher these notices alone. I can help you understand what’s changing and compare the 2027 Medicare options available in our area.

📞 Call Todd at 813-896-3559

Todd Benortham | Surety Health & Life Insurance
Serving Wesley Chapel, New Tampa, Lutz, Land O’ Lakes, and surrounding areas.

Disclaimer: Not connected with or endorsed by the U.S. government or the federal Medicare program. We do not offer every plan available in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

📬 Medicare plan changing—or ending—for 2027? Start with your notice.If you received an Annual Notice of Change (ANOC) or...
10/06/2026

📬 Medicare plan changing—or ending—for 2027? Start with your notice.

If you received an Annual Notice of Change (ANOC) or a plan non-renewal letter in the mail or inbox, don’t set it aside. These notices mean two very different things:

✅ An ANOC explains changes to your current plan’s costs, doctor network, and drug coverage for the coming year.
✅ A non-renewal notice means your current plan will not continue in 2027, so you’ll need to review replacement coverage options before the new year.

Before deciding on your next steps, here is what we recommend reviewing:
💊 Your prescriptions, preferred pharmacy, and expected drug costs
👨⚕️ Your doctors and hospitals (if you have a Medicare Advantage plan)
💵 Premiums, deductibles, copays, and expected out-of-pocket maximums

Medicare Annual Enrollment runs October 15 – December 7, with coverage changes generally taking effect January 1. Today is the time to review your notice and prepare—you don't need to make a final choice before enrollment opens.

You don’t have to figure out these letters on your own. I can help explain what’s changing and review the 2027 Medicare plan options I offer in our area.

Contact Todd today!

Disclaimer: Not connected with or endorsed by the U.S. government or the federal Medicare program. We do not offer every plan available in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options

Is your employer’s 2027 family health coverage getting more expensive?If covering your spouse or children through work t...
10/01/2026

Is your employer’s 2027 family health coverage getting more expensive?

If covering your spouse or children through work takes a big bite out of your budget, it may be worth checking whether the 𝗳𝗮𝗺𝗶𝗹𝘆-𝗴𝗹𝗶𝘁𝗰𝗵 fix gives them another option.

Under this rule, affordability is checked separately for the employee and eligible family members. For 2027, the cost of the lowest-cost employer plan covering the employee and eligible family members is compared with 10.22% of household income. If that family coverage is considered unaffordable, your spouse or children may qualify for financial help through the ACA Marketplace, even if you keep your own employer coverage.

It isn’t an automatic subsidy or a guarantee that switching will save money. We can compare premiums, deductibles, doctors, and prescriptions to see what makes sense for your household.

*Surety Health & Life Insurance is a private licensed agency assisting Florida residents with ACA Marketplace and off Marketplace health insurance options.

📅 What is Medicare Open Enrollment?Medicare Open Enrollment (also known as the Annual Enrollment Period) is the one time...
09/29/2026

📅 What is Medicare Open Enrollment?

Medicare Open Enrollment (also known as the Annual Enrollment Period) is the one time each year when you can review your coverage and make changes for the upcoming year.

🗓️ Mark Your Calendar:

Dates: October 15 through December 7, 2026

Effective Date: Any changes take effect January 1, 2027

What Can You Do During Open Enrollment?
Depending on your goals, you can:

Switch from one Medicare Advantage plan to another

Change or add a Part D prescription drug plan

Switch between Medicare Advantage and Original Medicare

You don’t have to make a change, but reviewing your plan ensures you aren't hit with surprise drug tier changes or doctor network drops in 2027.

🔍 Your Next Steps:
Gather your current drug list, check your doctors, and review expected costs for 2027. Have questions about what your options mean? Contact us today and our local team will help you review them at zero cost!

Disclaimer: Surety Health & Life Insurance is a private licensed agency and is not affiliated with or endorsed by the government or the federal Medicare program. We do not offer every plan available in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.

Medicare Tip of the Day: 5 Days Until the ANOC Deadline!If you have a Medicare Advantage plan or a stand-alone Part D pr...
09/25/2026

Medicare Tip of the Day: 5 Days Until the ANOC Deadline!

If you have a Medicare Advantage plan or a stand-alone Part D prescription drug plan, keep an eye on your mailbox and email inbox this week!

Your plan is required to make sure you receive your Annual Notice of Change (ANOC) by September 30. This document outlines every update taking effect on January 1—and reviewing it is the single most important step you can take before the Medicare Annual Enrollment Period (AEP) opens on October 15.

5 Things to Review Immediately:
Monthly premiums, deductibles, copays, and coinsurance
Medicare Advantage maximum out-of-pocket (MOOP) limits
Prescription drug formulary and tier changes
Provider, hospital, and preferred pharmacy network updates
Changes to extra benefits (dental, vision, hearing, OTC allowances)

Plans change every year—so even if you loved your coverage this year, reviewing your notice gives you time to prepare before AEP (Oct 15 – Dec 7).

Need help understanding what to look for?
Don't wait until October 15! Reach out to our local team for a complimentary, zero-cost educational review.

Disclaimer: Surety Health & Life Insurance is a private licensed agency and is not affiliated with or endorsed by the government or the federal Medicare program. We do not offer every plan available in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.

Join us Wednesdays at Rotary Club of Wesley Chapel connect, serve, and give back to our community.
09/24/2026

Join us Wednesdays at Rotary Club of Wesley Chapel connect, serve, and give back to our community.

DID YOU KNOW using a health insurance broker costs you **$0**? At this weeks BNI Professional Edge meeting, Todd Benorth...
09/18/2026

DID YOU KNOW using a health insurance broker costs you **$0**?

At this weeks BNI Professional Edge meeting, Todd Benortham of Surety Health Insurance Agency cleared up one of the biggest misconceptions in insurance. Brokers don't cost you a dime, but they save you countless hours - potential headache and your hard earned money.

Todd educated our group on:
✅ Medicare guidance
✅ Under-65 plans for individuals and families
✅ Group plans for employers

With **Open Enrollment** right around the corner (Medicare starts Oct 15, U65 starts Nov 1), now is the time to review your coverage. Even if you don't use Todd, he strongly advises working with a licensed broker so you don't leave money on the table.

Thank you, Todd, for being our go-to health insurance expert!

Contact Todd:
📧 **Email:** [email protected]
📞 **Phone:** 813-896-3559

Education over intimidation—and fun fact: working with a broker costs you $0!I recently spoke to a fantastic group about...
09/17/2026

Education over intimidation—and fun fact: working with a broker costs you $0!

I recently spoke to a fantastic group about demystifying health insurance. One of my main goals at Surety Health & Life Insurance is making sure no one feels overwhelmed when protecting their health and budget.

Here’s what many people don't realize: using an independent broker is 100% free to you. Insurance companies pay us directly, so you get expert guidance without paying a single extra cent.

Even if you don't work with me, always use an independent broker! Insurance isn't one-size-fits-all, and at the end of the day, my focus is 𝗪𝗼𝗿𝗸𝗶𝗻𝗴 𝗙𝗼𝗿 𝗬𝗼𝘂, 𝗡𝗼𝘁 𝘁𝗵𝗲 𝗖𝗮𝗿𝗿𝗶𝗲𝗿.

Need a stress-free, zero-cost coverage review for Medicare, individual, or family insurance? Contact me today!

Address

Wesley Chapel, FL
33544

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+18138963559

Website

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