Add the Coverage Most Plans Leave Out
Most health insurance and Medicare plans don’t cover everything. That’s why we offer affordable dental insurance in Winter Park FL, vision plans across Florida, and short-term medical coverage for people in transition.
At Living Tree Financial Group, we help fill the gaps with supplemental policies that work alongside your main health plan—whether you’re on Medicare, the ACA Marketplace, or a group policy through work.
Medicare Made Simple
Keep Your Smile Healthy with Dental Plans
Dental insurance helps pay for cleanings, exams, fillings, extractions, and more—so you can take care of your teeth without taking a hit to your wallet.
We offer:
- Individual and family dental plans
- Coverage from trusted providers with large dentist networks in Winter Park and the Greater Orlando area
- Preventive services covered at 100%, like two cleanings per year
- Basic and major services included (with typical waiting periods for crowns or root canals)
Some Medicare Advantage plans include dental, but many don’t. If your plan doesn’t cover dental—or you’re on Original Medicare—we can help you find a standalone plan that fits your needs and
budget.
See Clearly with Vision Insurance Options
Vision insurance covers routine eye care, which most health plans (including Medicare) don’t.
Benefits often include:
01
Annual eye exams with low copays
02
Coverage or allowances for eyeglass frames and lenses
03
Discounts on contact lenses and specialty lenses
04
Access to national vision networks like VSP and EyeMed
Whether you wear glasses every day or just want to check in on your eye health, we’ll help you find the right vision insurance plan in Florida.
Gap Coverage
Temporary Health Coverage When You Need It
Short-term health insurance is designed for people who are:
- Between jobs
- New to the state and waiting for new coverage
- Missed ACA enrollment and don’t qualify for a Special Enrollment Period
These plans can start immediately and often last up to 12 months in Florida. They’re not ACA-compliant and
don’t cover pre-existing conditions, but they may be an option for healthy individuals needing basic protection during a gap in coverage.
Not sure if short-term health fits your situation? Let us walk you through it—and help you explore ACA Marketplace plans when eligible.
Supplemental Coverage That Pays You Cash
Looking for added protection in case of unexpected health events? Ask us about:
- Accident Insurance
- Critical Illness Coverage
- Hospital Indemnity Plans
These policies pay cash benefits directly to you if something serious happens—like a heart attack, cancer diagnosis, or hospital stay. The money can be used however you need: covering deductibles, travel costs, or lost income.
These are optional add-ons, but for many families and seniors, they provide important peace of mind.
Supplemental Solutions
Plans for Seniors, Families & Small Businesses
Our supplemental coverage options are flexible and accessible:
- Seniors on Medicare: If your plan doesn’t include dental or vision, we can help you find a senior-friendly standalone plan.
- Families & Individuals: No need to wait for open enrollment—dental and vision plans are available year-round with affordable premiums.
- Businesses:
Want to add group dental or vision to your employee benefits? We can help set it up as part of your group health package.
Frequently asked questions
Frequently Asked Questions – Dental, Vision & Supplemental Plans
Can I get dental insurance if I’m on Medicare?
Yes. Original Medicare doesn’t cover dental, but many of our clients in Winter Park and across Florida add a standalone dental insurance plan. Some Medicare Advantage plans include dental, but coverage varies. We’ll help you compare options that fit your needs and budget.
What does a typical dental insurance plan cover?
Most plans cover preventive care like cleanings and exams, plus basic services like fillings and extractions. Some also help with major work like crowns or dentures—usually after a waiting period. We’ll walk you through the details and help you find a dentist in your network.
Do you offer vision insurance plans?
We do. Vision insurance usually includes an annual eye exam and a set allowance for glasses or contacts. It’s a great option for anyone with corrective lenses—especially since most health and Medicare plans don’t include routine vision care.
Can I enroll in dental or vision insurance anytime?
Yes. These plans aren’t limited to Open Enrollment—you can usually sign up any time of year. If you’re in Orange or Osceola County and want to start coverage right away, we’ll help you get enrolled.
What is short-term health insurance and who is it for?
Short-term medical plans provide temporary coverage if you’re between jobs, missed Open Enrollment, or waiting for new coverage to begin. These plans are affordable but have limited benefits and don’t cover pre-existing conditions. We’ll explain the pros and cons so you can decide if it’s right for you.
Do you offer coverage for accidents or critical illness?
Yes. We can help you explore supplemental policies that pay cash benefits for things like accidental injuries, hospital stays, or serious illnesses like cancer. These plans can ease the financial stress that comes with unexpected events.
Can small businesses offer dental or vision coverage to employees?
Absolutely. We work with businesses throughout Central Florida to offer group dental and vision plans that are affordable and easy to manage. If you’re an employer, we’ll show you how to enhance your benefits package without breaking the budget.
What’s the difference between a dental PPO and a discount plan?
A dental PPO is traditional insurance that covers a portion of your care after you meet a deductible. A discount plan offers reduced rates with participating providers but doesn’t reimburse claims. We’ll help you compare and choose what fits your dental care habits best.
Do you offer family dental and vision plans?
Yes, we work with families all over the Orlando area to set up affordable dental and vision plans. Whether you're covering just your kids or the whole household, we can recommend the right mix of coverage and cost.
How do I get started?
Call us at (321) 214-4594or contact us online to request a quote or talk through your options. Our agents will help you complete your health coverage with dental, vision, short-term medical, or supplemental plans—whatever fits your needs.
Let’s Fill the Gaps in Your Coverage
Complete Care
It’s easy to overlook dental, vision, or temporary insurance—but these plans play a big role in your financial protection. At Living Tree, we make it simple to get the extra coverage you need.
Call (321) 214-4594
or contact us online to talk through your options. Whether you're interested in stand-alone dental, vision insurance in Florida, or a short-term health plan, we’ll help you find the right fit—with fast enrollment and no-pressure guidance.
