CHL Insurance Solutions

I've updated my Hospital Indemnity guide for 2026. If your health plan carries a high deductible, or hospital cost-sharing, it's worth understanding how fixed-benefit coverage works — and where it fits, or doesn't.

Here's an educational overview:

What is Hospital Indemnity Insurance? — CHL Insurance Solutions Learn what Hospital Indemnity Insurance is, how payouts work, and whether supplemental hospital coverage might fit your financial needs. Educational guide.

⚡️New Look. More Ways to Protect What Matters.

I’m excited to pull back the curtain on the new CHL Insurance Solutions website! I wanted to create a place where my neighbors in Gainesville (and across FL & GA) could get straightforward answers without the sales pressure.

I'm also proud to announce that I've added Life Insurance to my growing list of offerings in FL & GA.

Check out the new site to see my updated Life Insurance options and our brand-new Education Center.
👉 https://www.chlinsurancesolutions.com/

Let me know what you think of the new look in the comments!

Medicare Supplement or Medicare Advantage — which path makes sense for you? I broke it down in plain language. Take a look. 👇

Working Past Age 65: An Educational Guide Learn how Medicare works if you're still employed at 65. Understand employer size impact, Part A/B/D coordination, HSA rules, and when to enroll.

Come Visit Me at Upcoming Fall Festival Events in Alachua County.

Stop by and say hello! Normal human conversations are always preferable to boring insurance jargon. However, an independent licensed agent will be there for convenient on-the-spot plan advice, and open enrollment support is available for Medicare, ACA, and Ancillary.

Click here to learn more:
https://www.chlinsurancesolutions.com/local-events

What is Hospital Indemnity Insurance and is it worth it?

Your primary health insurance may be comprehensive, but if you're hospitalized, besides your medical costs, you also face lost income, travel expenses, and other non-medical costs.

This is where a policy like Hospital Indemnity Insurance fits in. But is it worth the premium? Who does this policy work for? Who does it not work for? I break down these questions and offer situations where this insurance makes sense (and when you can skip it).

Read the breakdown here: https://flgabenefitsolutions.blogspot.com/2025/11/hospital-indemnity-guide.html

This article provides general information and is a solicitation for insurance. The author, Justin Tomlin, is a licensed agent (FL Lic: W960118; GA Lic: 3760385). Hospital Indemnity is a limited benefit plan and is not a substitute for comprehensive health coverage.