Health Insurance Guidance Made Easier
Choosing health insurance can feel complicated, especially when your life, work or retirement plans are changing. Whether you are preparing for Medicare, looking for individual health coverage or trying to fill gaps with dental, vision or supplemental protection, it helps to have someone who can walk you through your options.
Frost has partnered with Simply Enroll to give you access to licensed health insurance agents who can help you review available coverage options and take the next step with confidence.
Speak with a licensed agent today.​
The Health Insurance Marketplace Is Not One-Size-Fits-All
A licensed Simply Enroll agent can help you understand what options may be available to you, compare plan features, and identify coverage that aligns with your current stage of life.
You may benefit from reviewing your options if you are:
- Self-employed or a business owner
- Between jobs or losing employer-sponsored coverage
- Retiring before age 65
- Turning 65 or already Medicare eligible
- Still working past age 65
- Covered by a spouse’s employer plan
- Working part-time without benefits
- Looking for dental, vision, or supplemental protection
- Trying to lower monthly premiums or out-of-pocket exposure
- Navigating a major life change
Life changes can create new coverage opportunities.
A job change, marriage, divorce, birth of a child, retirement, income change, relocation or loss of employer coverage may impact your health insurance options. Reviewing your coverage can help you avoid overpaying, missing available benefits or choosing a plan that no longer fits.
How Simply Enroll Can Help
One Conversation. Clearer Options.
- Understand available health insurance options
- Compare plan types, premiums, benefits and potential out-of-pocket costs
- Review provider and prescription considerations
- Evaluate dental, vision and supplemental coverage options
- Identify enrollment timing and eligibility considerations
- Enroll in coverage, when appropriate
Why Our Partnership Matters
Dedicated Support when you need it
Frost has a team of experts in employee benefits, but we know Medicare often overlaps. That’s why we partner with Simply Enroll, so you have licensed experts ready to step in when Medicare questions arise.
Expertise at the right time
Simply Enroll provides a dedicated phone line, giving you direct access to trusted Medicare guidance when you need it most.Â
Seamless Experience
A partner of ours is a partner of yours. We work hard to partner with vendors who share the same values to our clients that we do. We work closely with Simply Enroll to ensure our customers are getting the correct support they need.
Confidence in
every choice
Your coverage decisions deserve advice tailored to your needs. Simply Enroll specializes in understanding your specific situation and guiding your Medicare options no matter where you are in your journey.
Medicare Support
Medicare Guidance for Adults 65 and Older
Medicare decisions can be more complex than many people expect. If you are turning 65, already enrolled in Medicare, still working, covered by an employer plan or planning retirement, it is important to understand how your choices may affect your coverage and costs.
- When should I enroll in Medicare?
- Should I keep my employer coverage, enroll in Medicare or have both?
- How does Medicare coordinate with my employer plan or my spouse’s employer plan?
- Could delaying Medicare create penalties or unexpected bills?
- How do my prescriptions, doctors and preferred pharmacies affect my options?
- What is the difference between Original Medicare, Medicare Advantage and Medicare Supplement coverage?
- Do I need a standalone prescription drug plan?
Medicare and employer coverage can be especially important.
If you or your spouse are still working, the size of the employer and the type of coverage may affect whether Medicare or the employer plan pays first. Making assumptions can create costly surprises, especially if a plan pays as though Medicare should have been in place.
A licensed Simply Enroll Medicare agent can help you understand the coordination rules that may apply to your situation before you make a decision.
Common Medicare situations Simply Enroll can support:
Turning 65 soon
Working past 65
Leaving employer coverage
Comparing Medicare Advantage and Medicare Supplement options
Reviewing prescription drug coverage
Moving to a new area
Reviewing coverage during the Medicare Annual Enrollment Period
Helping a spouse or parent understand their options
ACA & Individual Health Coverage
Health Coverage Options for Individuals and Families Under 65
- Self-employed
- A small business owner
- Between jobs
- Losing employer-sponsored coverage
- Retiring before Medicare eligibility
- A part-time employee without benefits
- A family looking for individual health coverage
- Looking for more affordable premiums or better provider access
Affordable Care Act Plans
ACA plans may provide coverage for individuals and families, including preventive care, essential health benefits and guaranteed coverage regardless of pre-existing conditions. Depending on household income and eligibility, financial assistance may be available to help lower monthly premiums or out-of-pocket costs.
ACA Alternatives
In some situations, individuals may also want to review alternatives to ACA coverage. These options may vary based on your health needs, budget, eligibility and desired level of protection. A licensed Simply Enroll agent can help you compare what is available and understand the tradeoffs before you enroll.
Common reasons to review your individual coverage:
You recently lost employer coverage
Your COBRA premium is too expensive
You started a business or became self-employed
Your income changed
Your family size changed
You want to compare premiums, deductibles and out-of-pocket costs
You moved to a new service area
Your current doctors are not in-network
Your prescriptions are not covered the way you expected
Ancillary & Supplemental Coverage
Dental Insurance
Coverage may help with preventive care, basic services, major dental work, dentures and other dental expenses.
Vision Insurance
Coverage may help with eye exams, glasses, frames, lenses, contacts and other vision-related needs.
Accident Insurance
Accident coverage may provide benefits after covered injuries to help offset unexpected costs.
Critical Illness Coverage
Critical illness coverage may provide benefits after a covered diagnosis such as cancer, heart attack or stroke.
Hospital Indemnity Coverage
Hospital indemnity coverage may provide cash benefits during a covered hospital stay, which may help with out-of-pocket medical or household expenses.
Short-Term Recovery Benefits
Some supplemental options may help with recovery-related expenses following a qualifying illness, injury or hospital stay.
Who should consider ancillary coverage?
- Adults over 65 with Medicare who still need dental, vision or supplemental protection
- Individuals under 65 with high-deductible health plans
- Families with expected dental or vision needs
- Self-employed individuals without employer benefits
- Anyone concerned about unexpected out-of-pocket costs
Ancillary & Supplemental Coverage
1. Share Your Situation
2. Review Available Options
3. Ask Questions
4. Enroll, When You Are Ready
5. Keep Support Close
Prepare for Your Conversation
What to Have Ready
- Your date of birth
- Your ZIP code
- Current health insurance information, if applicable
- Names of doctors, clinics or hospitals you prefer
- Current prescriptions and preferred pharmacy
- Estimated household income, if reviewing ACA options
- Information about employer coverage, if applicable
- Medicare card, if already enrolled
- Questions or concerns about your current coverage
Frequently Asked Questions
No. Frost Insurance Agency, Inc. does not sell or advise on Medicare, ACA, ancillary or individual health insurance products. Frost has partnered with Simply Enroll to provide access to licensed health insurance agents who can assist with these coverage options.
Simply Enroll is a licensed insurance agency that provides assistance with health insurance coverage options, including Medicare, ACA, ancillary and individual health insurance products.
Yes. You can review your current coverage to determine whether it still fits your needs, budget, doctors, prescriptions and life stage.
Yes. Simply Enroll can assist with Medicare options for eligible individuals, ACA and individual coverage for those under 65 and ancillary or supplemental coverage for both age groups.
Yes. Simply scroll down and fill out the form at the bottom of the page.
That is exactly why personalized support can help. A licensed agent can help you identify which category applies to your situation and explain your available options.
Medicare Consultation Request
You do not have to sort through health insurance decisions alone. Whether you are turning 65, retiring early, losing employer coverage, self-employed or looking for supplemental protection, Simply Enroll can help you understand your options and take the next step.
Speak with a licensed health insurance agent today.