Tampa Bay Based · Licensed Nationwide
Insurance guidance that actually looks out for you.
Costello Insurance Group is an independent agency representing 200+ health, Medicare, life, long-term care, disability, and group plans. Based in Tampa, licensed to work with clients in all 50 states.
Costello Insurance Group
Proud partner of Compass Health Consultants
- Independent — we shop the market for you, not one carrier
- Backed by VCare Advocacy for claims & billing support
- Local to Tampa, licensed across Florida
What We Cover
Six lines of coverage, one point of contact.
Whether you're shopping the individual marketplace, aging into Medicare, planning for long-term care, or setting up benefits for your team — it's handled by the same agent who already knows your situation. Based in Tampa, licensed to serve clients in all 50 states.
01
Individual & ACA Health
Marketplace plans compared side by side, with a straight answer on subsidies, networks, and what you'll actually pay.
02
Medicare Advantage & Supplement
Enrollment timing, SEP rules, and plan comparisons explained in plain English — before you're locked in for the year.
03
Life Insurance
Term, whole, and IUL policies sized to your actual budget and goals, not the highest commission on the shelf.
04
Group & Employer Plans
Benefits packages for small and mid-size businesses, with network and cost comparisons across major carriers.
05
Long-Term Care
Planning ahead for extended care costs, with options sized to protect savings and ease the load on family.
06
Disability Insurance
Income protection if illness or injury keeps you out of work — short-term and long-term options compared.
Beyond The Policy
VCare Advocacy: help when things get complicated.
A confusing medical bill or a denied claim doesn't stop mattering once your policy is signed. VCare Advocacy is Costello Insurance Group's healthcare advocacy service — for clients who need someone in their corner after the paperwork.
Medical Bill Negotiation
We review charges, flag errors, and negotiate directly with providers on your behalf.
Denied Claims Support
We help build the appeal, gather documentation, and follow up with the carrier until it's resolved.
Benefits Navigation
Understanding what's actually covered — before a procedure, not after the bill arrives.
Care Coordination
Help connecting the dots between providers, referrals, and your plan's requirements.
"My job is to make sure the plan fits your life — not the other way around."
Why Work With Cyril
An independent agent, not a call-center script.
Cyril Costello built Costello Insurance Group around a simple idea: an agent who represents dozens of carriers can actually tell you which plan is right, instead of steering you toward whichever one they're required to sell.
That independence is backed by VCare Advocacy for ongoing support, and by a partnership with Compass Health Consultants for carrier access and resources — so you get the personal relationship of a local agent with the muscle of a larger network behind it.
- No cost to you — agents are paid by the carrier, not the client
- Plans reviewed annually so coverage keeps pace with life changes
- Direct line to your agent — not a rotating support queue
Partnerships
Who we work with.
Compass Health Consultants
Costello Insurance Group is a proud partner of Compass Health Consultants, a national agency network that provides carrier access, back-office support, and training resources — extending the reach of a local, independent practice.
Referral Partners & COI Network
If your clients ask about health, Medicare, or life coverage, Costello Insurance Group is a straightforward referral — no cost to you or them, and a direct line back to you on how it went.
Get In Touch
Let's find the right coverage.
Tell me a bit about what you're looking for and I'll follow up personally — usually within one business day.
-
📍
Office9119 Corporate Lake Dr, Suite 120
Tampa, FL 33634 -
📞
Phone(727) 202-2561
- ✉️
-
🗓️
Prefer to just grab a time?Schedule a call directly →