Serving the Greater
Central Florida Area

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Health Insurance
   Health Care Reform
   Individual and Family
   Temporary Coverage
   Medicare Advantage
   Medicare Supplement
   Part D Rx Plans
   Medicare Resources
   Final Expense
   Long Term Care
Other Coverages
   Dental / Vision
   Life Insurance
   Accident / Disability
   Hospital Indemnity
   Critical Illness

Health Insurance Options, LLC
Your Full-Service Independent Insurance Agency

About Us

Who I am
Joe Santiago is an independent insurance agent who works with all of the major companies offering all Medicare Plan Options and Individual Health Insurance for all ages.

What I Do
As an independent benefit consultant, I conduct a detailed needs analysis to identify specific individual health care needs. I then make recommendations as to which options are best suited for my clients. Because I am independent, I can be objective in my recommendations. There is no fee for my services. However, if a potential client enrolls in a plan with me, I am compensated by the plan they join. Compensation is similar and level with all carriers.

I regularly conduct educational workshops at One Senior Place and at many other locations in Central Florida. There is no selling conducted at my presentations as per Federal law. I am happy to bring my workshops to your location at no cost to you.

How I Can Help You
I affiliate with many professionals who often have contact with Medicare Beneficiaries. Some of these professionals include Elder Law Attorneys, Guardians, CPAs, Physician Offices, Insurance and Financial Professionals, and non profit organizations. These professionals have used my expert knowledge to provide experienced guidance for themselves and their clients. They have found the information and assistance I bring enhances the value of their practice. The associate knows that their clients receive superior service from me and that I have minimized the probability of outside solicitation.

Where to Find Me
I understand the value of a professional appearance. This is why my local office is located at One Senior Place, 715 Douglas Ave., in Altamonte Springs. One Senior Place is a professional office building with businesses that cater to the needs of people 50 and over. I have premier office space with access to conference rooms and an auditorium. Everyone who visits me there is extremely impressed. Of course if someone is unable to come to my location, I can meet them at their home, your office or another appropriate location.

Teaching Experience and Credentials
--Licensed agent in Florida for Health and Life since 1993. Contracts with over 40 insurance companies
--Approved CE course instructor for Florida Health and Life Insurance Agents
--Certified CE instructor for Florida State Guardianship Association
--CLE certification application pending with Florida Bar for educational seminar conducted for Estate Planning Attorneys in Florida
--Conducted over 50 educational workshops for consumers and professionals on Medicare

Memberships and Affiliations
NAIFA - National Association of Insurance and Financial Advisors
NAHU - National Association of Heath Underwriters
FSGA - Florida State Guardianship Association (affiliate member)
CERA - Community Education and Resource Affiliation, Inc
One Senior Place, Altamonte Springs FL, Resident Business
Maitland Area Chamber of Commerce
Seminole County Chamber of Commerce

NAHU Health Care Reform Certification Course, May 2013
CLU, The American College, March 2013
CLTC, The Corporation for Long Term Care, Inc., 2009
BBA in Finance, University of Central Florida, 1990

We make buying insurance simple and easy!

Joe Santiago,
Your Local Agent

Visit Joe at      

715 Douglas Ave.
Altamonte Springs FL

Orlando Area: