Open Enrollment is Here! Helping Families Navigate Their Healthcare Options

Open Enrollment is Here!  Helping Families Navigate Their Healthcare Options

For many, the Covid pandemic has not only resulted in the loss of jobs, but also in the loss of insurance. Many are scrambling to find coverage and don’t know where to turn. In the meantime, some businesses still providing insurance are looking for new products to cut costs while still giving some benefits to their workers.

Rick Jultak, one of the founders of Apple Insurance & Financial Services in Boca Raton, has been in the insurance business for 20 years, 10 of them with Apple Insurance. He founded the agency, which offers everything from cradle to grave policies, with Marc Fine.

“We deal with clients from the time they are born, through maternity policies, all the way through Medicare and even burial insurance,” Jultak says.

He goes on to explain that a variety of health plans are “packages,” that have unnecessary items bundled into them resulting in costs that are not required for certain clients. For instance, maternity coverage is not necessary for a single man, while also not wanted by the woman over 55. Although these facts are logical, many insurance plans include maternity in the package regardless of the user’s needs. In a multitude of situations, there are coverages included in these bundles that will never be utilized, driving costs into the stratosphere. Rick and his professional team look forward to creating comprehensive options while considering every individual or family’s needs and financial situation.

Full service means that customers can purchase car insurance, property and casualty insurance, long-term care insurance, dental insurance and even pet insurance.

“We have more than 100 experienced agents available statewide, with the majority working in our state-of-the-art headquarters in Boca Raton,” he says. “We work as teams to ensure customers get the right insurance product for them.”

With Open Enrollment going on now, it’s important to know that Obamacare is the law, not coverage. If you aren’t sure of the difference, the agents at Apple (located coast to coast throughout South Florida) will be happy to explain things to you, as they are experts in navigating in and around the Obamacare obstacle course. Rick and his agents are mindfully focused to make sure you and your family are receiving the best healthcare options at the most reasonable prices. As the leading South Florida agency for Florida Blue, Apple Insurance has access to insurance products others don’t

Because customer service is of primary importance, agents are willing to meet clients online, at the office, in their homes and even via drive-by appointments – all while ensuring everyone’s safety by putting numerous health protections in place.

“People are working remotely, but the human touch is still important,” says Jultak. “We don’t just sell insurance. We build relationships.”

Giving back is also important to Jultak, who supports a variety of causes, including pet rescue, multiple sclerosis, multiple myeloma and juvenile diabetes. Plus, Apple Insurance offers clients the services of its in-house job recruiter – free of charge – if they have lost their jobs. “It’s been very successful,” he says. “We have even hired a few clients as agents!”

Apple Insurance & Financial Services is located at 3010 N. Military Trail, Ste. 310, Boca Raton. For more information, call 888-692-5838 or visit