Locations
Contact
Another of our best managers leaves the corporate world behind and takes a new step in her career path now as a business owner. Welcome to the Del Toro family.
One of our best managers leaves the corporation world behind and takes a new step in her career path now as a business owner. Welcome to the Del Toro Family.
We are proud to see how this family has chosen to join our Distinctive Franchise System as a life project. We're here to support you every step of the way to success. Welcome to the Del Toro Insurance Family.
One of our Managers at Del Toro Insurance has just joined to our Distinctive Franchise System becoming in the owner of her own business !!! Congratulations on this great partnership!!.
A Friday 12th of wonderful news!! A new franchisee joined our Distinctive Franchise System. The Chilean Community Welcome to the Del Toro family!.
On the eve of July 4, what better news than continuing to expand our Distinctive Franchise System in West Palm Beach. Welcome to the Del Toro family.
Second new franchisee of this blessed Tuesday, join our Distinctive Franchise System. Welcome to the Del Toro family.
Another new franchisee has joined right now to our Distinctive Franchise System. Welcome to the Del Toro family.
Just a few minutes ago, a new franchisee joined our Distinctive Franchise System. The Ecuadorian community welcomes the Del Toro family.
The family continues to grow, minutes ago other new franchisees have just joined our Distinctive Franchise System. Welcome to Del Toro family.
Today, as part of our participation in the Annual Convention of the Florida Association of Insurance Agents (FAIA) held in Orlando, Del Toro Insurance held a seminar this morning to promote the growth of the insurance industry through franchises. Entrepreneurs and business owners participated in the event.
Taking a big step and adding new services, two entrepreneurial businesswomen join our family. Welcome Gordon & Oropeza to Del Toro Insurance family.
Del Toro Insurance
Fomentando el camino hacia la industria de los seguros
América TV captó todo lo que fue el fórum y la celebración de los 25 años de Del Toro Insurance. Con Del Toro Insurance tienes todo lo que necesitas para estar bien asegurado y además crecer profesionalmente con tu propia franquicia. Si eres emprendedor y quieres asegurar tu futuro empresarial con una marca consolidada!! Esta es tu oportunidad, completa el formulario y uno de nuestros agentes se estará comunicando contigo con todas las dudas que tengas para emprender tu negocio.
Annual Convention of the FAIA
June, 2024
As part of our participation in the 2024 Convention of the Florida Association of Insurance Agents FAIA held in Orlando, Del Toro Insurance held a seminar to promote the growth of the insurance industry through franchises. Entrepreneurs and business owners participated in the event.
Del Toro Insurance 25th Anniversary
Del Toro is a family business and that has defined much of the path it has traveled to this day. The main reason for starting out in this industry has been to contribute to a community that needs us and with which we feel an eternal commitment. Growth would not have been possible without the support and permanent exchange with our community whom we have tried to serve with immense respect.
On the other hand, we have tried to provide a service that is also deeply rooted in family values because we consider that targeting the well-being of families in a society that is transforming day by day is essential. We have simply delivered transparency, honesty, trust and loyalty, which I believe have really been the key to being able to treasure the preference of our clients over the years.
Time really passes very quickly. We began our journey in a small office located in the west of the county. Today we are a solid company with a commercial presence throughout the state of Florida and an increasingly large group of franchisees who have opted to be part of the Del Toro family, making our business model their own. To our pride, the vast majority have been families that have turned to entrepreneurship and that, today, replicate those values of transparency, honesty, trust and loyalty to their clients.
We know everyone has different healthcare needs, so Del Toro Insurance offers residents of Palmetto Bay assistance in picking from numerous quality medical coverage plans, helping you compare services and competitive rates.
Don't settle for a plan that doesn't cover all of your personal needs or covers way more than you want. Check out what our health insurance brokers have waiting for you.
Del Toro Health Insurance has a fantastic team of expert insurance brokers whose goal is to provide excellent customer service. We want to ensure you enter into a premium you can afford that also makes it worthwhile.
Not only can we assist in choosing the best medical insurance plans for you and your family, but we also provide plenty of information, tools, and resources to continue helping you out once you have chosen your ideal policy.
Missed premium payments can lead to lapses in coverage and even insurance loss. If you struggle to pay your premium, contact your insurance provider to find a solution before you get into trouble.
Not sure who to speak with? Contact our office, where we can help connect you to the right place. Our customers are like family and we don't want to see you lose the coverage you need.
We can walk you through various payment options, choosing something you can afford.
With many other health insurance brokers in the Palmetto Bay area, why should you trust Del Toro with your medical coverage needs? Here’s why:
We have a full staff of trained brokers to help you pick a plan ideal for your specific needs.
We actively seek out various options to help reduce your out-of-pocket costs.
We offer professional, educated advice.
We offer prompt and accurate information so you don’t have to wait for a long time for the services you need.
We treat customers like family.
We offer FREE consultations.
Health insurance plans come in all shapes and sizes, and without extensive knowledge of the subject, you might not get the coverage you need at a price you can afford. Whether you need to find a Medicare insurance provider or a medical insurance policy, Del Toro can help.
If you want an easy claim process, fast and friendly service, and a close relationship with all the big-name insurance companies out there, you can trust we have your best interests at heart and will obtain health insurance coverage that will take care of you and your family when you need it the most. If you're looking for a health insurance broker in Palmetto Bay, contact us today for more information or a free consultation.
Many insurance plans have a formulary or a list of preferred medications that they cover. Generally, insurance companies encourage people to use the generic version of a drug because they cost less but are just as effective. Some insurance companies will cover medications that are not on the formulary, but these non-preferred drugs are often more expensive.
If your doctor prescribes a medication that is not on the formulary, most plans have a process for approving (or not approving) them on a case-by-case basis.
When choosing an insurance plan, it is important to find one that covers your medications. Keep a list of prescriptions and whether they’re generic or name-brand. If your medications are mostly generic, you may be able to find a more affordable plan, but if you take a lot of name-brand medications, look for a policy that covers both generic and name-brand drugs. It is best to discuss this with one of the top expert health insurance brokers in Palmetto Bay, where we can find coverage to fit your prescription needs.
Multiple health insurance companies are offering various plans today, most fitting into three different categories:
Health maintenance organizations (HMOs)
Preferred provider organizations (PPOs)
Indemnity/fee-for-service (FFS) or point-of-service (POS)
You can choose the insurance plan that will meet your specific needs best. Sometimes, you may want to opt for more than one plan to save you the most in out-of-pocket costs.
When you have two insurance plans, one is the primary insurer and the other a secondary insurer. Generally, the health care provider files the claim with the primary insurance company, who pays according to their benefits. The secondary health insurance then reviews the claim and contributes to the payment based on their benefit. Then, the provider will bill you for anything that remains.
If you fall behind on your premium payments, most insurance companies give you a three-month grace period before canceling your policy.
