Health Insurance Company in Tampa, FL

Are you searching for a Health Insurance Company in Tampa, FL that truly values your health and finances? Look no further than Cesant Consulting Firm! It can be challenging to find health insurance companies that also offer top-notch service. With us, you’ve struck gold! At Cesant Consulting Firm our goal is simple; to provide you with coverage that gives you peace of mind without emptying your wallet. Whether you’re a freelancer seeking security or a family in need of healthcare protection our policies are designed to meet all your needs. We know that navigating the details of health insurance can be as tricky, as solving a maze. That’s why our team of experts is here to help you every step of the way. From explaining your choices to assisting you in making informed decisions we’ve got you covered.

Health Insurance Agency in Tampa, FL

Step inside Cesant Consulting Firm, where we redefine the concept of a health insurance agency, in Tampa, FL. Gone are the days of one-size-fits-all coverage; our focus is on crafting a plan that is uniquely tailored to you. We recognize that navigating the world of health insurance can be daunting at times. This is where our expertise proves invaluable. As a leading health insurance brokerage firm we skillfully guide you through the complexities of policies and premiums to offer solutions that’re both comprehensive and easy to understand. Our team is dedicated to ensuring that you are well informed and confident in your decisions. Consider us your compass, in the waters of healthcare coverage. Whether you’re a professional starting your career or a senior seeking comprehensive medical coverage our personalized guidance aims to provide you with peace of mind.

Types Of Health Insurance Plans

Health Maintenance Organization (HMO)

An HMO is a kind of health insurance plan that focuses on preventing illnesses and covers services from a group of doctors and hospitals. Patients usually pick a doctor who manages their healthcare and refers them to specialists, within the network. The emphasis on care helps lower medical expenses making HMO plans a favored option for people looking for comprehensive coverage at a set cost.

Preferred Provider Organization (PPO)

PPO plans offer more flexibility than HMOs allowing patients to see any healthcare provider in the PPO network without needing a referral. PPOs are preferred by those seeking choices in doctors and specialists especially when they require care outside their healthcare system. While PPO plans generally have premiums than HMOs they offer access to health services and specialists.

Exclusive Provider Organization (EPO)

An EPO is a managed care plan that covers services only if you use doctors, specialists, or hospitals within the plan's network (except during emergencies). This type of plan requires referrals for services compared to an HMO and usually costs less, than PPO insurance. EPO plans are a choice, for people looking for a ground between strict HMOs and pricier PPOs. They offer a balance of costs and coverage limited to in-network providers.

Point of Service (POS)

Point of Service (POS) plans blend features from both HMOs and PPOs. Similar to an HMO patients usually select a care doctor. Require referrals for specialists. However, like a PPO patients have the flexibility to use services outside the network at a price. This mix of structure and freedom makes POS plans appealing to individuals to pay extra for the option to choose providers within or, outside the network.

Common Health Insurance Misconceptions

There are misunderstandings surrounding health insurance that can make it challenging for individuals to make informed decisions, about their coverage. One common misconception is that opting for the cheaper plan always means saving money. However, although lower premiums may seem appealing such plans often come with deductibles and out-of-pocket expenses leading to higher overall costs especially if unexpected medical issues arise. Another prevalent myth is the belief that all health insurance plans offer the same coverage. The reality is that there can be variations in coverage among types of plans. For example, some plans may include health services while others might have limited or no coverage for such treatments. Additionally, many individuals think they can do without health insurance if they are young and healthy. This assumption fails to recognize the protection that health insurance provides against unforeseen accidents or sudden illnesses, which could result in overwhelming medical expenses. Recognizing and addressing these misconceptions is vital, in selecting a health insurance plan that meets both one’s healthcare needs and financial circumstances.

About Us

Welcome to Cesant Consulting Firm, where our journey begins with a commitment, to your well-being. We serve as a source of information and assistance in the realm of health insurance. Since our establishment, we have focused on empowering our clients through education and customized insurance options that offer peace of mind and financial security. At Cesant we believe that health insurance should be easy to understand like chatting with a friend. Our team consists of professionals who not only excel in their field but also forge personal connections with each client. Our core values revolve around honesty and transparency. We walk you through the complexities of insurance with explanations and sincere guidance helping you make choices that align with your lifestyle and financial situation. Whether you’re an individual exploring health coverage options or an older adult seeking care Cesant is here, as your trusted partner.


Cesant Consulting firm offers a variety of health insurance plans, including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), Exclusive Provider Organization (EPO), and Point of Service (POS) plans. We provide all kinds of options so you can choose any health insurance plan with ease! 

An HMO plan typically requires members to choose a primary care physician (PCP) and obtain their referrals so that they can see specialists. Contact us and our team at Cesant Consulting Firm is ready to provide you with detailed information and assistance regarding our HMO plans. 

You can easily find healthcare providers which are in-network with us.  All you have to do is search for in-network providers through our online provider directory or contact our customer service department at Cesant Consulting firm! You can be rest assured as our team will guide you thoroughly. 

While our plans offer comprehensive coverage, there may be limitations or exclusions for certain services or treatments. We will provide you with more about our limitations in detail when you are going to sign up for insurance. Contact us at Cesant Consulting Firm and schedule your first consultation with us! 

Yes, of course. Most of our plans allow you to add family members, such as spouses and children, to your coverage. Additional premiums may apply. If you want further details about adding additional members, contact us at Cesant Consulting Firm and we will assist you throughout!