Licensed Health & Life Insurance Broker

Simply securing your
health & income.

Direct access to top carriers across 20+ states. No middlemen. No confusion. The right plan for your situation.

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About

Always in your corner.

LV Health Group is an independent insurance agency operating across 20+ states with direct carrier relationships, not call centers, not captive pipelines. We specialize in major medical, fixed indemnity, final expense, and critical illness coverage, and for those who qualify, we navigate ACA Marketplace enrollment from start to finish. Whether you are self-employed, between jobs, covering your family, or simply tired of overpaying, we find what fits. Every client gets a real conversation, a real recommendation, and a broker who picks up the phone.

20+
States
9
Carriers
300+
Families & Businesses Served
Why Us

A different kind of
health agency.

Most brokers are locked into one carrier. We're not. That independence is what makes the difference.

Multi-Carrier Access
Appointed with the top private and public carriers across the country. We run both marketplace and private sector options and let the numbers decide not a commission quota.
Public & Private Network
We work closely with both state-based marketplace programs and private insurance providers. That dual access means more options, better fits, and fewer gaps in your coverage.
Same-Day Placement
From first call to active coverage. No delays, no handoffs. One broker handles discovery, recommendation, enrollment, and follow-up from start to finish.
Genuine Relationship
When something changes income, household, health you reach out directly and it gets handled. No 1-800 number, no starting over.
Carriers

Access to the plans
that actually matter.

ACA / Marketplace
BlueCross BlueShield
UnitedHealthcare
Aetna
Ambetter
Cigna
Mutual of Omaha
Americo
Allstate
First Health
Devoted Health
Foresters Financial
Our Team

LV Health Group
Licensed Agency

Licensed & Appointed
20+ States
Direct Carrier Access
No Middlemen
Clients Served
300+ Families
Connect
LinkedIn Profile
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Client Feedback

What our clients say.

"Levi made the entire process so easy. We did not have to worry about a thing. We send him all of our referrals without hesitation."
Client
"We need more agents like Levi in this space. He found real success by just being the good guy. Transparent, straightforward, and genuinely looking out for the client. Thank you."
Client
"Working with Bell has been a pleasure from the start. So sweet, incredibly helpful, and makes every step of the process feel effortless. Truly kind and professional."
Bell, Booking Agent
"Bell goes above and beyond every time. Her warmth and attention to detail make clients feel taken care of right from the first call."
Bell, Booking Agent
"Gianna is incredibly knowledgeable. She can help with virtually anything insurance related and always brings clarity to even the most complex situations."
Gianna S., Benefits Specialist
"Having Gianna on the team means clients always have someone who truly understands their benefits. Her depth of knowledge and follow-through are unmatched."
Gianna S., Benefits Specialist
Contact

Ready to find
the right plan?

Reach out directly or fill out the form. We'll get back to you the same day.

Phone 813-869-8999
Email lvhealthgrp@gmail.com
Hours Mon – Fri, 9am – 6pm ET
LinkedIn Levi Frisella
FAQ

Common questions,
straight answers.

An HMO requires you to use a primary care doctor and get referrals to see specialists lower cost but more restricted. A PPO lets you see any doctor or specialist without a referral, in or out of network. More flexibility, slightly higher premium. For most of our clients who want freedom of access, PPO is the better fit.
A deductible is the amount you pay out of pocket before your insurance starts covering costs. Not all plans have one some private sector fixed indemnity plans through UHC have zero deductible, meaning benefits activate from day one. ACA plans typically carry a deductible ranging from a few hundred to several thousand dollars depending on the tier.
After you meet your deductible, coinsurance is the percentage of costs you share with the insurance company. A typical split is 80/20 the plan pays 80%, you pay 20% until you hit your out-of-pocket maximum. Once that cap is reached, the plan covers 100% for the rest of the year.
Your out-of-pocket maximum is the most you will ever pay in a single plan year for covered services. Once you hit that number through deductibles, copays, and coinsurance the plan pays 100% for the remainder of the year. It is your financial ceiling. ACA plans are required to have one by law.
ACA Marketplace plans are required to cover pre-existing conditions no health questions, no underwriting, guaranteed issue. Private sector plans like fixed indemnity are medically underwritten and may exclude or limit coverage for pre-existing conditions for up to 12 months. We match you to the right plan type based on your health profile.
ACA Marketplace plans have an annual Open Enrollment Period. Outside of that, a qualifying life event losing coverage, moving, change in household size, or income change opens a Special Enrollment Period. Private sector plans like fixed indemnity can be enrolled in year-round with no waiting period.
Depends on the plan's network. We verify doctor participation before recommending any plan. PPO plans through UHC give you access to over 1.8 million providers nationwide the broadest network available. If keeping a specific doctor matters to you, tell us upfront and we build around that.
Term life covers you for a fixed period 10, 20, or 30 years at a fixed premium. Simple, affordable, pure death benefit. Whole life is permanent, never expires, and builds cash value over time. IUL (Indexed Universal Life) adds a growth component tied to a market index. The right choice depends on age, budget, and financial goals.
Being young and healthy is exactly when life insurance is cheapest and easiest to get. Premiums are locked in at your current age and health status. Waiting means paying more or getting declined. If you have dependents, debt, or anyone relying on your income, coverage should be in place now, not later.
ACA plans can be changed mid-year only if you experience a qualifying life event. Private sector plans can typically be adjusted or cancelled at any time. If your situation changes income, household, health contact us before making any changes through the carrier directly. We handle it correctly.