About COBRA My Policy
COBRA My Policy is operated by Prodest Insurance Group, LLC, a licensed insurance agency based in Boca Raton, Florida. We help people who are losing employer coverage work out what to do next.
Most people arrive here in the same situation. A job ended, hours were cut, a marriage ended, or a child aged off a parent’s plan. There is a COBRA election notice on the table with a number on it that seems impossible, a 60-day deadline, and no obvious way to compare it against anything else. That is the problem this site exists to solve.
What We Do
We are licensed to write coverage across four categories: ACA Marketplace plans, private and off-exchange coverage, short-term medical, and supplemental policies including dental, vision, critical illness, accident, hospital indemnity, accidental death and dismemberment, and limited medical.
Because we are licensed to write all of them, we can price them side by side and enroll you directly. You are not handed off to a call center or referred elsewhere to complete an application.
Who We Help, and Who We Do Not
We work with people under 65 who need their own coverage. That includes individuals, families, the self-employed, early retirees, and anyone bridging a gap between jobs.
We do not sell Medicare products
If you are 65 or approaching it, or eligible for Medicare through disability, we are not the right agency for you. We would rather say so than take up your time.
We are licensed in 45 states. If you live somewhere we are not licensed, we cannot help with an application, and we will tell you that on the first call rather than the third.
How We Are Licensed
Prodest Insurance Group, LLC holds 45 active state insurance licenses. Florida is our resident state; the rest are held on a non-resident basis. Our National Producer Number is 19515569.
Insurance licenses are public records. You can verify ours through your state insurance department or the NAIC consumer lookup rather than taking our word for it.
How We Work
We explain before we recommend. Most of this site is explanation rather than sales copy. If you read the COBRA and Health Plans sections and decide you do not need an agent, that is a reasonable outcome.
We will tell you when something is not worth buying. Several pages here argue against products we are licensed to sell. Short-term medical, limited medical, and some supplemental policies are poor value for many people, and we say so.
We check the details that decide the outcome. Whether your doctors are in network. Whether your prescriptions are on the formulary, and at what tier. Whether the deductible you have already paid this year carries over. These determine whether a plan works for you, and none of them are visible from a premium quote.
We work to your deadlines. Coverage transitions run on short clocks. Sixty days to elect COBRA, sixty days for a Special Enrollment Period, sometimes thirty days to join a spouse’s plan. We would rather have a short conversation today than a thorough one after a window has closed.
Who You Are Dealing With
Our leadership has spent five years working in claims processing and billing, and three years licensed to sell health insurance.
The claims side came first, and it shapes how we work. Processing claims teaches you what a plan does when it is actually used: which services get denied and why, where prior authorization trips people up, how a formulary tier turns into a bill, and what the difference between in-network and out-of-network really costs. Most of that is invisible when you are comparing premiums on a screen.
It is also why several pages on this site spend more time on exclusions, waiting periods, and definitions than on benefits. Those are the parts that decide whether a policy helps you when you need it.
How We Are Paid
Our services are free to you. We are compensated by the insurance carriers when you enroll in a plan, which is the standard arrangement for an independent agency.
We do not have a favorite carrier
It is fair to ask whether an agent paid by carriers has a reason to steer you toward one of them. In our case the commission on a major medical plan does not vary dramatically from one major medical carrier to another, and the same is true across the supplemental carriers we work with.
That means the financial difference to us between recommending one carrier over another is small. What is not small is the difference to you, so that is the question we spend our time on.
Where to Find Us
Prodest Insurance Group, LLC
7000 West Palmetto Park Rd, Suite 300
Boca Raton, FL 33433
7000 West Palmetto Park Rd, Suite 300
Boca Raton, FL 33433
Talk to a licensed agent
Tell us your situation and we will compare what is actually available to you. No cost, no obligation.
COBRA My Policy is operated by Prodest Insurance Group, LLC, a licensed insurance agency. This website provides educational information about health insurance and is a solicitation for insurance. Plan availability, pricing, benefits, limitations, exclusions, and eligibility vary by location, household, and carrier.