VS Healthcare Solutions is your one-stop independent agency for the six insurance lines a Florida family typically needs. Pick a service to dive deeper, or book a call and Vivian will help you sort out which combination fits best.
Our Six Service Lines
Health Insurance
ACA Marketplace plans through HealthCare.gov, premium tax credits, CSR Silver plans, Special Enrollment Periods.
Medicare
Original Medicare, Medicare Advantage, Medicare Supplement (Medigap), and Part D drug plans for ages 65+ and disability.
Life Insurance
Term life (10/20/30 year), whole life, and indexed universal life (IUL) policies for income replacement and legacy.
Dental & Vision
Standalone dental and vision plans for individuals, families, and seniors — from preventive-only to full PPO coverage.
Business Insurance
Group health for 2–500 employees, ICHRA reimbursement plans, key-person life, and benefits administration.
Supplemental Insurance
Accident, critical illness, hospital indemnity, and cancer policies that pay cash directly to you when you need it most.
How We Work With You
Free 20-minute discovery call
Tell Vivian your situation, doctors you want to keep, medications, and budget. She listens before she recommends.
Personalized plan comparison
Vivian pulls 2–3 plans from 12+ top carriers and breaks down deductible, copays, network, and total annual cost in plain English.
Smooth enrollment
She handles the paperwork, subsidy applications, doctor verification, and coordinates effective dates so coverage starts when you need it.
Year-round support
Doctor added? Claim denied? Life event? You call directly — not a 1-800 line. Help included as long as you’re a client.
$0 service fee. Insurance carriers pay licensed agents a small commission baked into every plan’s premium — so the price is the same whether you enroll directly or through us. The difference is you get a real human who answers the phone year-round.
Common Questions
Do I have to pick just one of these services?
No — most clients work with Vivian on 2 or 3. A typical Florida family might have ACA health + dental + a small life policy; a 65+ client might have Medicare + a supplement + dental + drug coverage. We coordinate everything under one agent.
Can you help me if I missed Open Enrollment?
Yes if you have a qualifying life event (loss of coverage, marriage, baby, move, etc.). Medicare has its own special enrollment periods. Book a call and Vivian confirms eligibility in 5 minutes.
What if I’m on a tight budget?
Vivian specializes in finding low-cost / high-subsidy options. If you qualify, she’ll show you Cost-Sharing Reduction Silver plans, fully-subsidized ACA plans, Medicaid eligibility, and zero-premium Medicare Advantage options.
Hablan español?
Sí. Servicio completo en español. Visite la página en español.
Not sure which service you need?
That’s the most common starting point. Book a free 20-min call and Vivian will help you sort out the right combination.