I'm Carmen Zayas. I'll explain what each plan covers, what you'll actually pay, and which one protects what matters to you. Calmly, in your language, and without having to decide the same day.
Most of the year you can't enroll or switch plans. Only during these two windows, or if something happens that opens a special period.
They're set by the federal government and repeat every year. Outside them you can only enroll with an event that opens a special period: losing your coverage, moving, getting married, having a baby. If you're not sure yours counts, ask me before writing it off.
I work by phone, WhatsApp and video call, so distance changes nothing. The conversation is the same whether you live in Hialeah or in Phoenix, and we have it in Spanish, English or Portuguese, whichever you prefer.
What does change is the catalog. Marketplace and Medicare plans are built by county, not by state: two cities in the same state can have different insurers, different networks and different prices for the same person. That is why the first thing I ask for is your ZIP code, before your age or your budget.
The dots mark the country's most populated metropolitan areas. They are not offices: I work without branches, which is why appointments fit around your schedule and not mine.
The states I am authorized to sell in can be verified publicly with my NPN at NIPR.com. If yours is not among them, I will tell you on the first call.
Six types of coverage. Most people need one or two, not all six.
Marketplace plans with government help based on what you earn.
See detailsFor 65 and up, with benefits Original Medicare doesn't include.
See detailsTo cover what your current plan leaves exposed.
See detailsCleanings, treatment and glasses, which almost no health plan covers.
See detailsSo one bad day doesn't also become a money problem.
See detailsNot sure where to start? We start with your situation.
See detailsPick the line closest to yours. No details required and no obligation.
Leave me your name and number and I'll reach out to find an unhurried moment. Free, and it commits you to nothing.
I have your details and I will get back to you as soon as I can. If you would rather not wait, call me or message me on WhatsApp and I will help you right now.
I will be calling from this number. Save it so you recognise the call:
Four steps. None of them involves rushing you.
Who lives with you, roughly what you earn, what worries you about coverage.
Plans change by county. I review the ones you can actually buy.
Your doctor, your hospital and your prescriptions, one by one.
For questions, changes, renewal, or if something doesn't go as expected.
Carriers pay me, not you. The plan costs the same with me as without me.
I explain whatever you need, as many times as you need, in Spanish, English or Portuguese.
The sale isn't the end. If something breaks in March, I'm still your agent.
I'm a licensed health and life insurance agent. I work with families who want to understand their options before deciding, not the other way around.
My approach is simple: explain each plan in plain words, check that your doctors and prescriptions are covered before you sign anything, and stay available for the rest of the year. You can publicly verify my license on NIPR.com before telling me anything.
Fill this in and I'll contact you to go over your case, free and with no obligation.
I have your details and I will get back to you as soon as I can. If you would rather not wait, call me or message me on WhatsApp and I will help you right now.
I will be calling from this number. Save it so you recognise the call:
