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(352) 545-0096

silcox.kayla.m@gmail.com

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Your Local Insurance Agent in Gainesville, FL

Most find insurance to be complicated. The good news is, I can help! I’m here to help educate and navigate so that we find the right coverage for you and your loved ones.

From ages 0 to 100+, I help clients with their insurance needs through all stages of life.

Simple Process

You share your story and insurance needs, and I take care of the rest!

Affordable Plans

Your budget is top of mind, and we work to find a plan that fits you! Hint: Most health insurance rates are adjusted to income!

Direct Support

You get access to my personal number and e-mail so that you can reach out anytime!

Clients Are Like Family :)

Hi, my name is Kayla Silcox! I am a licensed insurance agent located in Gainesville, and happily servicing all of Florida!

  • Who is Kayla?

    • With a background of almost 7 years for a healthcare software company, I found a passion for training and educating! Through helping fellow team members and clients grow their knowledge of the products and services, I realized I had a way to make complex information easy to understand. 
    • It was time for a change back in 2019 for both business and personal reasons, and I am happy to share my story with you anytime! 
    • Many signs led me to where I am today. With the Healthcare and Insurance industry having always been a part of my family, it was an easy transition.
    • Today, I am blessed to be helping others be protected and find peace of mind during some of the most difficult moments in life. I’m here to listen, support and guide you through the complex insurance world, so that you and your loved ones are covered.
    • I’m here to be your advocate - not only to find the best policy for you today, but also to support you in using your insurance benefits and coverage down the line.

Insurance Guidance From Health to Wealth for All Ages

What Type of Insurance Are You Looking For?

Life can be unpredictable. Some moments can be emotionally, physically, and financially devastating. However, with the right insurance protection, you can help to reduce or eliminate out-of-pocket expenses when hard times occur. Here are the types of insurance policies that I can help any individual, family, or small business with:

Health Insurance

Medical bills can cause a lot of financial hardship for individuals and their families. However, having health insurance helps offset hospital stays, doctor’s visits, medical procedures, and medication costs.

Life Insurance

Life Insurance can offer financial protection for so many reasons. Most people only think about financial trouble after a loved one dies, but the reality is it can also cover you when you get sick, when you get injured, when you need money, or if you plan to leave a legacy. Regardless of the need, life insurance can provide you and your loved ones with the financial stability they need to move forward.

Supplemental Insurance

When you suffer from an injury or illness, having a plan that helps pay for out-of-pocket costs health insurance doesn’t cover is important! These costs can include deductibles, coinsurance, copayments, transportation, lodging, or even living expenses due to lost wages. Coverage is available for Accidents, Hospitalization, and Critical Illnesses like Cancer, Heart Attack, or Stroke.

Dental, Vision, & Hearing Insurance

Generally, most major health plans do not include coverage for dental, vision, and hearing services. The level of coverage needed for an individual or family varies, so ask today about the types of insurance and reimbursement plans that are available.

Disability and Long-Term Care

Disabilities and age-related health limitations affect many individuals and families today. The need for income protection, home health care, or long-term care at some stage of your life is a reality that many people are not prepared for. Finding the right coverage for the unexpected can be a difficult conversation, but having the financial protection when you need it most is worth it!

Annuities

An annuity is a contract between you and an insurance company that can help with asset and income protection. These contracts are designed based off your risk profile and can either be immediate or differed based on your protection needs. Ask today about how an annuity might be the right decision as a part of your retirement planning.

Making Insurance Easy to Understand and Accessible

As a Local Agent, I’m More Than Just a 1-800 Number

To make sure that you and your loved ones are covered all the way from health to wealth, through all stages of life, based on your medical history, family history and personal preferences.

Your Protection Is My Mission

Your Convenience Is My Priority

CARE

I care for you and your loved one’s health and protection from unexpected medical costs. When you need it most, I am here for you! My goal is to make life less hassle and stress-free knowing that you’re covered.

EDUCATION

It is my job to ensure that you not only understand what you're signing up for, but that you’re aware of the policies you have in place so you can maximize the benefits that your plan offers.

COMMUNICATION

I’m always just a phone call, text message, or e-mail away! I am here to listen to your story, give you guidance on how to choose the best insurance for your situation, and provide communication between you, me, and the insurance companies.

  • What questions should I ask myself before buying insurance?

    Some of the questions you may consider when shopping for insurance:


    • Who in your household needs coverage?
    • What type of insurance are you looking for?
    • What level of coverage do you have in mind? 
    • What coverage do you currently have in place? Is it enough?
    • What is your budget?

  • When should I consider reviewing my insurance plan?

    • Most insurance plans should be at least reviewed annually.
    • If your insurance coverage is based on income, it is recommended to review anytime there is a change in household income.

    Any major life event can trigger the need for a review, and some of those are: 


    • Losing Coverage  -  Hint: Most health plans require that you enroll no later than 60 days after losing coverage.
    • Getting Married or Divorced
    • Having a Baby
    • Change in Household Size
    • Moving or Buying a New Home
    • A major birthday, like turning 26 or 65
    • Retiring

  • Is coverage offered through my employer enough?

    • Typically, we find that only having the benefits in place that are being offered by your employer is not enough!
    • Think about what would happen if you lost your employer coverage. Most insurance rates only increase as you age, and as you age you are more prone to health-related issues that could cause you to no longer be eligible for coverage.

  • What is The Affordable Care Act? Do I qualify for it?

    I specialize in helping individuals and families with The Affordable Care Act (ACA), often referred to as The Marketplace or “Obamacare”. This is a type of health insurance that is available to individuals and families that qualify.


    • Qualifications are based on your household’s demographic information, size, income, and other access to healthcare, such as: Employer coverage, coverage through a Parent or Spouse, Medicare, Medicaid, and other public assistance healthcare.
    • Many individuals and families qualify for Advanced Premium Tax Credits (APTC) that help reduce the costs of premiums throughout the year. 
    • In addition to the APTC, some individuals and families qualify for Cost Sharing Reduction, which helps reduce the out-of-pocket costs of the plans.

Frequently Asked Questions

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