Let Me Help You With Your

Insurance Needs

Let Me Help You With Your Insurance Needs

Curtis "Dutch" VanHoesen

Independent Ins Broker/Retirement Solutions

Reef Retirement

Curtis "Dutch" VanHoesen

Independent Ins Broker/Retirement Solutions

Reef Retirement

MISSION STATEMENT

MISSION STATEMENT

“The greatest objections we must overcome are what our clients have heard from friends, family members, providers, captive insurance agents and carriers, etc. As brokers for 19 carriers and over 150 plans we are able to give personal local recommendations as to as to which plans may fit your lifestyle and health.”

About Us

About Us

Thanks for taking the time to read my profile. I know the challenges involved with understanding and making your first decisions regarding your Medicare benefits.

My clients receive absurd amounts of mail before becoming eligible for Medicare. If all carriers in Pinellas County advertise, you may have over 50 pieces of mail on your desk. Clients share stories about non-stop unsolicited phone calls, intrusive door-knocking, or celebrity TV ads-this is not how I do business.

As a local independent insurance broker here in Pinellas County, I offer a streamlined approach by comparing all your options in one meeting—no multiple agents, no pressure tactics. My wife, Rebekah, (who offers under 65 coverage) and I operate a small family business, offering side-by-side comparisons, personalized local experience, and annual reviews. Every year in September, I will be the first to inform you of any upcoming changes to your plan.

This year I am celebrating my 20th


anniversary specializing in Medicare products and am currently authorized to represent 18 carriers and 161 plans.

There is no charge for my service. Brokers are paid a standardized fee directly by the carriers-I can remain impartial to your decision.

If you think you may benefit from my service, give me a call. Already enrolled? Count on me as a trusted advisor to confirm your choice.

I offer in home meetings, or many clients are choosing to handle this over the phone/email. I meet many of my clients at their favorite coffee shop.

I look forward to meeting you. Coffee is on me.

Best in health,

Dutch 727-492-2878

Thanks for taking the time to read my profile. I know the challenges involved with understanding and making your first decisions regarding your Medicare benefits.

My clients receive absurd amounts of mail before becoming eligible for Medicare. If all carriers in Pinellas County advertise, you may have over 50 pieces of mail on your desk. Clients share stories about non-stop unsolicited phone calls, intrusive door-knocking, or celebrity TV ads-this is not how I do business.

As a local independent insurance broker here in Pinellas County, I offer a streamlined approach by comparing all your options in one meeting—no multiple agents, no pressure tactics. My wife, Rebekah, (who offers under 65 coverage) and I operate a small family business, offering side-by-side comparisons, personalized local experience, and annual reviews. Every year in September, I will be the first to inform you of any upcoming changes to your plan.

This year I am celebrating my 20th anniversary specializing in Medicare products and am currently authorized to represent 18 carriers and 161 plans.

There is no charge for my service. Brokers are paid a standardized fee directly by the carriers-I can remain impartial to your decision.

If you think you may benefit from my service, give me a call. Already enrolled? Count on me as a trusted advisor to confirm your choice.

I offer in home meetings, or many clients are choosing to handle this over the phone/email. I meet many of my clients at their favorite coffee shop.

I look forward to meeting you. Coffee is on me.

Best in health,

Dutch 727-492-2878

About Curtis "Dutch" VanHoesen

About Curtis "Dutch" VanHoesen

Your local independent health insurance broker in Florida celebrating 20+yrs specializing in Medicare, Medicaid, LTC, SSB and retirement. My consultation includes comparing ALL your options and eligibility in one meeting. Brokers are paid a standardized fee directly by the carriers-I am able to remain impartial to your decision.

Your local independent health insurance broker in Florida celebrating 20+yrs specializing in Medicare, Medicaid, LTC, SSB and retirement. My consultation includes comparing ALL your options and eligibility in one meeting. Brokers are paid a standardized fee directly by the carriers-I am able to remain impartial to your decision.

Why We Recommend Having A

Free Consultation

Dutch works with dozens of top-rated carriers and help you compare your medical needs across multiple carriers to find the best plans available to you. Best of all, our consultation services are FREE with no obligation.

What Are You Waiting For?
Let’s Improve Your Coverage!

My Clients Are Saying...

My Clients Are Saying...

Request a FREE Medicare Quote

Request a FREE Medicare Quote

NEWS

VH Family News

VH Family News

We are sheltering at home but still helping people remotely through phone/email during this global pandemic. We encourage everyone ...more

Uncategorized

August 06, 20241 min read

COVID-19

COVID-19

What’s your risk level? The CDC says “older adults” and people with severe chronic illness are more likely to become severely ill from Covid-19 ...more

Uncategorized

August 06, 20242 min read

You got to Move it Move it!

You got to Move it Move it!

Talking on the phone. What to do: Stand up. With your feet hip-width apart and your knees directly over your ankles, imagine yourself squeezing a balloon between your ...more

Uncategorized

August 06, 20241 min read

Resources For Caregivers

Resources For Caregivers

Around 40 million Americans were providing unpaid elder care before the Coronavirus pandemic. The number could be higher now. Younger relatives are moving older relatives ...more

Uncategorized

August 06, 20242 min read

Top 3 Questions For Working Medicare Beneficiaries:

Top 3 Questions For Working Medicare Beneficiaries:

1. Should I stay on my Employer Group Plan or enroll in Medicare?2. Do I have to enroll in Medicare?3. What are the penalties if ...more

Uncategorized

August 06, 20242 min read

Top 5 Medicare Mistakes!

Top 5 Medicare Mistakes!

Don’t make these common Medicare enrollment mistakes! 1. Failing to Enroll in Part B at the Right Time Enroll into Parts A and B, 3 ...more

Uncategorized

August 06, 20243 min read

Reef Retirement

Reef Retirement

Reef Retirement is a non-government entity (representing 18 carriers and 151plans) powered by <Innovative Financial Partners, LLC>, a health insurance agency. We do not offer every plan available in your area. Currently, we represent <6> carrier organizations which offer <2,352> products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

© 2024 | Reef Retirement - All rights reserved.