Choosing Coverage with Confidence
We help employers, families, and Medicare beneficiaries understand their options and choose coverage that fits their unique needs. Spencer Vice brings over 30 years of local expertise to Central Florida, providing the plain-language guidance you need to make informed decisions.
Independent Guidance * Local Service * Expert Enrollment * Employer Solutions
Our Solutions
EHP Solutions
Explore alternative health-benefit strategies for larger employers looking to optimize recruitment and retention through flexible benefit options.
ICHRA
Designed for small employers, ICHRA allows you to define a contribution and let your employees choose individual coverage, simplifying payroll administration.
Medicare
Expert guidance for Medicare Advantage, Medicare Supplement, and prescription drug plans to ensure you have the right coverage for your needs.
Life Insurance
From income protection to permanent coverage, we help you protect your family and legacy with Ethos-supported shopping and expert advice.
Supplemental Benefits
Explore accident, dental, and vision coverage to help manage eligible out-of-pocket costs while protecting your family's financial future.
01
Understand Your Needs
We start by listening to your goals and family situation to find the right coverage for your life.
Spencer Vice provides clear, neighborly guidance to help you navigate insurance options with confidence.
How We Help You Choose
02
Compare Available Options
We review your choices side-by-side to find the best plan that fits your budget and health needs.
03
Get Enrollment Support
We help you enroll with confidence, ensuring your coverage is active and your family is protected.
Meet Spencer
Spencer Vice brings over 30 years of dedicated service to Central Florida. As an independent broker, he provides the neighborly guidance you need to navigate health and life insurance with confidence. Spencer is committed to plain-language education and long-term relationships, ensuring you make informed choices for your family and business.
Common Questions
What is ICHRA?
Individual Coverage Health Reimbursement Arrangements (ICHRA) is a flexible employer benefit where the company pays for employee health insurance premiums, allowing employees to choose their own plan.
How do I qualify for subsidies?
Subsidy eligibility is based on your household income and the cost of the insurance plan you select. We can help you determine if you qualify for premium tax credits or cost-sharing reductions.
What Medicare plans are available?
We help you navigate Medicare Advantage, Medicare Supplement (Medigap), and Prescription Drug Plans (Part D). We review your current coverage and help you find the best fit for your needs.
What is Ethos Life Insurance?
Life insurance is a critical part of protecting your family. We help you shop for Ethos-supported term and permanent coverage to ensure your loved ones are cared for when you are not.