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.

Request a plan review Employer referral workflow

How David can help: 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.

Request a Medicare plan review

Share a few details and David Huff, licensed Florida health agent, will follow up. This is not enrollment.

Name

Phone

ZIP code

Coverage type

By checking this box, I give my prior express written consent for Lakeland Health Insurance (David Huff, licensed insurance agent) to contact me about my Medicare request, including marketing calls and text messages, at the phone number I provided, which may be sent using an automated system for the selection or dialing of telephone numbers. Consent is not a condition of purchase. Message frequency varies. Message and data rates may apply. Reply STOP to cancel or HELP for help. See SMS Terms and Privacy Policy.

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.

We do not offer every plan available in your area. Currently we represent 10 organizations which offer 74 products in your area. Please contact www.medicare.gov or 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Company inventory note: The counts above reflect the licensed company inventory for the 2027 plan year in the Lakeland/Polk County service area, confirmed for ZIP 33812, as of October 1, 2026. They are not CMS counts or statewide Florida totals. Counts and available products vary by ZIP code, service area, plan year, and current company authorization. Confirm the ZIP code and current approved platform inventory before relying on these figures. Plan availability, benefits, networks, formularies, pharmacies, and costs are subject to the applicable plan documents and service area.