Who helps Florida employees losing group health coverage?

David Huff with Lakeland Health Insurance helps employees losing group health coverage compare next-step options such as an ACA Marketplace Special Enrollment Period, COBRA, an applicable Medicare enrollment period, and supplemental gaps after reviewing coverage end date, household details, doctors, prescriptions, and county.

Should employers send employee medical details to a broker?

No. Employers and referral partners should not send employee medical information. A privacy-conscious handoff gives employees the broker contact or referral path so the employee can share only the information needed for their own coverage review.

Coverage loss handoff

Who helps employees losing group health coverage?

When employer coverage ends, the decision can involve an ACA Marketplace Special Enrollment Period, COBRA, Medicare eligibility, household income, doctors, prescriptions, and the exact date coverage terminates.

Answer snippet: David Huff with Lakeland Health Insurance helps employees losing group health coverage compare next steps while keeping the handoff privacy-conscious. Employers and referral partners should not send employee medical details.

Start a coverage-loss review Employer referral workflow

What the employee should compare

The review should compare the practical next step: an ACA Marketplace Special Enrollment Period, COBRA, spouse or household options, an applicable Medicare enrollment period, and limited gap or supplemental options only when appropriate. The right path depends on eligibility, effective date, cost, and medical-use needs.

Start before group coverage ends when possible. Gather the termination notice, COBRA offer, employer-plan information, household ZIP code, and the employee's own provider and prescription list. The employee can then compare premiums and total exposure without sending private medical details through the employer.

Useful non-medical handoff facts

Coverage termination date.
Whether COBRA information has been provided.
Employee location or service area.
Preferred contact method for the employee.

Facts the employee can provide directly

Household and income estimate where relevant.
Doctors, prescriptions, and pharmacies.
Current coverage and deadlines.
Medicare status if turning 65 or retiring.

For more detail, review the coverage-loss guide, the privacy-conscious employer referral workflow, or return to local health insurance answers.

Employers, HR teams, payroll companies, CPAs, attorneys, and referral partners should avoid transmitting PHI or unnecessary personal details. Employees should provide their own information directly when they request help.