Even with solid health insurance, unexpected illnesses or accidents can lead to surprise bills. That’s where supplemental insurance comes in. These plans offer targeted support—like hospital, accident, or critical illness coverage—to help reduce your out-of-pocket expenses. Whether you’re navigating a high-deductible plan, planning for the future, or just want added peace of mind, Chris Carmichael can help you explore options that fit your needs and your budget.
Not sure which supplemental plan fits your needs? Chris Carmichael will walk you through your options and help you build coverage that actually works for your life.
Independent Agent Disclosure
This website is operated by Chris Carmichael, a licensed independent health insurance agent doing business under Lighthouse Health Advisors. His license is held through Advocate Health Advisors, a national Field Marketing Organization (FMO). This website is not affiliated with, endorsed by, or operated by Medicare or any government agency. While affiliated with Lighthouse Health Advisors, Chris operates independently and provides services directly to clients. He does not represent or act as an official spokesperson of Lighthouse Health Advisors or Advocate Health Advisors. Insurance plans and benefits vary by carrier and region. Services are provided at no cost to clients; Chris is compensated directly by the insurance carriers upon enrollment.
Lighthouse Health Advisors - Chris Carmichael
Licensed Health Insurance Agent
1401 Eastfield Dr
Clearwater, FL 33764
Phone: 727-647-7776
Email: chris@healthlifeandmedicare.com
Copyright © 2026 Health, Life and Medicare - All Rights Reserved.
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