Fill the Gaps in Your Coverage
Dental, Vision, Life & Supplemental Insurance
Even good health insurance leaves gaps: deductibles, missed paychecks, dental bills, and the costs that pile up after an accident or serious diagnosis. Rising Tides Benefits Group is a family-owned insurance broker in St. Augustine that helps Florida individuals and families find dental, vision, life, disability, accident and critical illness coverage that fits their budget.
More Than Brokers. True Partners for Florida Families.
Supplemental insurance can be confusing. There are many types of coverage, and it's hard to know which ones you actually need. We look at the coverage you already have, find the gaps that matter for your family, and explain your options in plain English, with no pressure to buy what you don't need.
What can you expect
A review of the gaps in your current health coverage
Recommendations based on your family, job and budget
Clear explanations of what each policy pays and when
Help applying and choosing coverage amounts
Year-round help with claims questions
Supplemental Coverage Options
Accident Insurance
Pays you a benefit after a covered injury, to help with ER visits, X-rays, ambulance rides, physical therapy, hospital stays and related travel. Coverage can apply on or off the job, depending on the plan.
Critical Illness and Cancer Insurance
Pays a lump-sum benefit after a covered diagnosis such as a heart attack, stroke or cancer. Use the money however you need, from deductibles and treatment travel to rent and groceries.
Hospital Indemnity Insurance
Pays a benefit for a covered hospital admission or stay, helping offset the high deductibles that often come with a hospital visit.
Disability Insurance
Replaces part of your income when a covered injury or illness keeps you from working, including recovery from childbirth. A common guideline is coverage of about 60% of your income.
Life Insurance
Term and whole life coverage to protect your family's future, with options that build cash value. Get a quote online in minutes, or talk it through with us.
Dental and Vision Insurance
Coverage for cleanings, fillings, eye exams, glasses and contacts for you and your family. It can be added alongside an ACA Marketplace plan or Medicare.
How Supplemental Insurance Works
Supplemental insurance works alongside your health plan, not instead of it. Your health insurance pays your doctors and hospitals. Supplemental insurance pays you, so you have cash for the costs your health plan leaves behind.
How it works
1. Choose the coverage you need. Pick from accident, critical illness, hospital, disability, life, dental and vision, and add your spouse and children if you'd like.
2. Pay an affordable monthly premium. Costs depend on the coverage, your age and the benefit amount you choose.
3. Get paid when something happens. For covered claims, many policies pay the benefit directly to you, often by direct deposit, and you decide how to use it.
Why it's worth having
Helps cover your deductible. A hospital stay or ER visit can leave you with thousands in out-of-pocket costs, even with good insurance.
Cash you control. Benefits can go toward medical bills, rent, groceries or travel for treatment.
Pays in addition to your health plan. Benefits are paid based on your claim, regardless of what your health insurance covers.
Some coverage requires no health questions. Certain policies offer guaranteed coverage, so pre-existing conditions don't have to keep you from getting protected.
Coverage that can stay with you. Many policies are yours to keep if you change jobs.
Getting Started is Simple
A quick conversation
Tell us about your family, your current health coverage, your job and your budget.
Your options, explained
We show you the coverage that fills your biggest gaps, what each policy pays and what it costs, in plain English.
We help you apply, then stay with you
We help you choose coverage amounts and complete your application, and we're here year-round when you need us.
Why Florida Families Choose Rising Tides
Local and family-owned
We're based in St. Augustine and know Florida's insurance market.
Award-winning
Business Rate named us Best Health Insurance Agency in St. Augustine for 2024
One broker for all your coverage
Health, Medicare, life and supplemental insurance, all with one local team that knows your situation.
Serving Northeast Florida and beyond
We work with employers in St. Augustine, Jacksonville, Ponte Vedra, Palm Coast and across Florida.
"He is easy to talk to, knowledgeable and intelligent, always makes sure I understand everything and double checks before we hang up the phone. I feel like he really has my back." — Laura W.
Meet Brian Sesniak
I've helped Florida families and businesses with their insurance since 2019. After my son's 81-day NICU stay brought more than $4 million in medical bills, my mission became simple: no family or business should face a health crisis without the right coverage and someone in their corner. That's why I'm here for every client I serve.
Supplemental Insurance FAQs
What is supplemental insurance?
It's coverage that helps pay for costs your health insurance doesn't, like deductibles, lost income and everyday bills after an accident or illness. Many policies pay a cash benefit directly to you.
Do I need supplemental insurance if I already have health insurance?
Health insurance pays your doctors and hospitals, but you're still responsible for deductibles, copays and the bills that keep coming if you can't work. Supplemental insurance helps with those gaps. Whether you need it depends on your savings, your deductible and your family, and we'll help you decide honestly.
Does supplemental insurance replace health insurance?
No. Supplemental insurance isn't a substitute for major medical coverage. You'll still want a health plan, such as an ACA Marketplace plan, Medicare or coverage through work.
Who receives the benefit when I file a claim?
For coverage like accident, critical illness, hospital indemnity and disability, the benefit is generally paid directly to you, and you can use it however you need.
Can I get coverage with a pre-existing condition?
Often, yes. Some policies offer guaranteed coverage with no health questions, while others ask health questions or exclude pre-existing conditions for a period of time. We'll explain the rules for each option.
How much life insurance do I need?
It depends on your income, debts, mortgage and family. Many people aim to replace several years of income. We'll help you work out an amount that fits, or you can get an instant quote online.
Ready to Fill the Gaps in Your Coverage?
Book a free consultation with our St. Augustine team, or get a life insurance quote online. We'll help you find the right protection for your family and your budget.
© 2026 Rising Tides Benefits Group. All rights reserved.
Not a government website. Rising Tides Benefits Group is not affiliated with, endorsed by, or connected to the Centers for Medicare & Medicaid Services (CMS), the U.S. Department of Health and Human Services, or any federal or state government agency. We do not offer every product available in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. We are licensed, independent insurance broker. We represent multiple insurance carriers and may receive compensation from the carriers whose plans we sell. This does not affect the cost of your plan.