LICENSING & REGISTRATION: Prime Health Consultants is an independent insurance agency. License information: Julio Fernandez, Licensed Agent — NPN 18786340. Licensed to sell health insurance products in Alabama, Arkansas, Colorado, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, North Carolina, Ohio, Oklahoma, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, West Virginia, Wisconsin, and Wyoming (30 states). License information and credentials can be verified through the National Association of Insurance Commissioners (NAIC) at sbs.naic.org. NOT A GOVERNMENT WEBSITE: Prime Health Consultants is NOT affiliated with, endorsed by, or connected to any federal or state government agency, the U.S. Department of Health & Human Services (HHS), the Centers for Medicare & Medicaid Services (CMS), HealthCare.gov, or any state-operated Health Insurance Marketplace. We are an independent insurance agency. This website does not represent the federal government's Health Insurance Marketplace.
TCPA / COMMUNICATIONS CONSENT: By submitting a quote request form on this website, you provide your prior express written consent to Prime Health Consultants (NPN: 18786340) to contact you by telephone, text message (SMS), and email at the information you provided about health insurance options. Your consent is NOT a condition of purchasing any product or service. You may revoke consent at any time by: (1) replying STOP to any text message, (2) calling (305) 333-1434, or (3) emailing julio.fernandez@rjprimehealth.com. Under the FCC's April 11, 2025 Consent Revocation Rule, revocation requests will be honored within 10 business days. One confirmation text may be sent upon revocation. Marketing communications will only be sent between 8:00 AM and 9:00 PM in the recipient's local time zone as required by applicable law. All phone numbers are checked against the National Do-Not-Call (DNC) Registry. Consent records are retained for a minimum of five (5) years in compliance with the Telemarketing Sales Rule (TSR). CAN-SPAM & EMAIL COMPLIANCE: All marketing emails sent by Prime Health Consultants comply with the Controlling the Assault of Non-Solicited Pornography And Marketing (CAN-SPAM) Act of 2003. Every marketing email includes: a clear identification of the sender, a functioning opt-out mechanism, our physical mailing address (1550 Sawgrass Corporate Pkwy, Sunrise, FL 33323), and an accurate subject line. To unsubscribe from email communications, click the "Unsubscribe" link in any email or contact us at julio.fernandez@rjprimehealth.com. HIPAA NOTICE OF PRIVACY PRACTICES: Prime Health Consultants complies with the Health Insurance Portability and Accountability Act (HIPAA) of 1996. We collect only the minimum necessary personal information required to provide insurance quotes and services. We do not collect protected health information (PHI) such as diagnoses, medical records, or detailed health conditions through this website. Any information you provide is transmitted via 256-bit SSL/TLS encryption. We do not sell, rent, lease, or trade your personal information to third parties for their own marketing purposes. Information may be shared with licensed insurance carriers solely for the purpose of generating the requested insurance quote. We maintain a signed Business Associate Agreement (BAA) with all applicable vendors who process personal data. For our full Privacy Policy and HIPAA Notice, contact us at julio.fernandez@rjprimehealth.com. PLAN AVAILABILITY & RATE DISCLAIMERS: Health insurance plan availability, benefits, networks, and rates vary by state, county, age, tobacco use, and household size. Not all plans are available in all states or counties. Premium rates displayed in advertising are estimated figures for illustrative purposes only and do not constitute a binding quote. Your actual rate will be determined by your specific profile and the insurance carrier's current underwriting guidelines. Plans described on this website are private PPO health plans offered directly by licensed insurance carriers and are not available on HealthCare.gov or any state or federal marketplace. These plans are not ACA-qualified health plans and do not provide minimum essential coverage (MEC). Coverage levels, benefits, networks, and regulatory protections differ from ACA marketplace plans. It is your responsibility to review the Summary of Benefits and Coverage (SBC) and Evidence of Coverage (EOC) documents before enrolling in any plan. Prime Health Consultants is compensated by insurance carriers through agent commissions. This compensation does not increase your premium.
FTC & ADVERTISING COMPLIANCE: All testimonials and client reviews displayed on this website reflect the genuine experiences of real clients. Individual results may vary. Savings claims are based on actual documented client comparisons and are not guaranteed for all individuals. Prime Health Consultants is not a tax advisor. All references to tax deductibility of health insurance premiums are general information only and do not constitute tax advice. Consult a qualified tax professional for advice specific to your situation.
PRIVACY POLICY SUMMARY: We collect: name, contact information (phone, email), address, date of birth, household income range, and insurance preferences — for the sole purpose of providing insurance quotes and services. We use industry-standard encryption and security practices. You have the right to access, correct, or delete your personal data by contacting us at julio.fernandez@rjprimehealth.com. We honor all requests within 30 days. California residents: additional rights apply under the California Consumer Privacy Act (CCPA). Read our full Privacy Policy. ADA ACCESSIBILITY: Prime Health Consultants is committed to ensuring digital accessibility for people with disabilities. We continually work to improve the accessibility of our website in accordance with the Web Content Accessibility Guidelines (WCAG) 2.1 Level AA. If you experience difficulty accessing any content on this website, please contact us at julio.fernandez@rjprimehealth.com or call (305) 333-1434 and we will assist you. 
