Welcome To Cottrell Insurance Services

Welcome to Cottrell Insurance Services, agency of choice for many of Jacksonville’s, Ponte Vedra’s, Fernandina Beach and St Augustine’s businesses and residents. Whether you are a Business Owner or Self Employed, a benefits Manager or new College Grad, the President of large company or an Independent Consultant you will find solutions, answers and resources for your use and reference right here. Why not get to know us better in the “About Us” section? Businesses looking for more depth with better value in group health, dental, vision, disability, cancer, accident long term care and life insurance for employees living and working on Florida’s First Coast we have many options. In addition we help companies with employees working further afield in Florida or locations across the United States. We can provide multiple option benefit plans for your employees with various co-pays, deductibles, co-insurance including PPO (Preferred Provider Organization), EPO (Exclusive Provider Organization), POS (Point of Service Plans), HMO (Health Maintenance Organization) often with OA “Open Access” functionality which allows your employees easily to go in and out of network. We are here to help you understand the buzz words like “CDHP” (Consumer Driven Health Plans), HSA (Health Savings Account), HRA (Health Reimbursement Account), FSA (Flexible Spending Accounts) and to explain how these might work in your benefits package, the pros and cons of each program as it would pertain to your situation. Managing the financial risks associated with serious injury or illness is one of the most daunting prospects facing each and everyone on us. To help your employees better manage those risks we offer lots of payroll deductible supplemental insurance plans like AFLAC, Blue Cross, Aetna, Delta, Metlife Allstate. Some voluntary benefits qualify for pre-tax payroll deduction, which means employees save even more money. For individuals, the self employed and their families residing in Jacksonville, Ponte Vedra, Fernandina Beach, St. Augustine and other Florida locations we can help you gain control of your health insurance costs. With many options available for co-pays, deductibles, co-insurance and max-out-of-pocket amounts. Choices available to you include, but are not limited to PPO (Preferred Provider Organization), EPO (Exclusive Provider Organization), POS (Point of Service Plans), HMO (Health Maintenance Organization) often with OA “Open Access” functionality which allows you and your family to easily to go in and out of network. We are here to help you understand the benefits of “CDHP” (Consumer Driven Health Plans), HSA (Health Savings Account), and explain how these might work for your family in terms of lower premiums, the tax savings and how to maximize the plans for better coverage. There are also a number of supplemental insurance products available such as dental, vision, disability, cancer, accident and hospital plans. For individuals, self employed or small business owner we can help you build a valuable, yet cost effective benefits package comparable to the big companies.  If you are considering talking with professionals regarding retirement planning, life insurance or Long Term Care we are here to guide you on to the road to a secure future.   If you need temporary health insurance as you transition between jobs  – you can get a quote, apply and get your policy issued right here, all in just a few minutes. Simply go to the “Individual Health” section or click here. If you are over 65 and live on the First Coast we have a full range of Supplemental Medicare products that will help you manage the co-pays, deductibles and the new “Part D” prescription benefit costs. If you are on a low or fixed income, don’t worry we have affordable or no cost programs that will help you to control your healthcare expenses. If you are looking for “cheap health insurance” the old maxim “buyer beware” applies. Your monthly premium may be lower, however we can almost guarantee that the amount you pay out of pocket during the course of the year will be much greater than you had anticipated.  We would rather provide affordable health insurance plans with manageable co-pays, deductibles and co-insurance where the benefits are understandable and will meet or exceed your expectations – plans that you can get the full value from, plans that suite your life stage, budget and needs.