Services
Health Insurance Services Designed Around You
Clear guidance for Medicare, individual, business, and travel coverage
As an independent licensed health insurance agent, I provide personalized guidance to help individuals, families, and businesses understand their coverage options and make informed decisions.
Medicare
Understand your Medicare options, compare available plans, and receive personalized guidance based on your healthcare needs.
ACA Health Insurance
Explore individual and family health insurance options available through the Health Insurance Marketplace.
Small Business Health Insurance
Help your employees access quality health coverage with options designed for small businesses.
Travel Health Insurance
Protect yourself while traveling with health insurance options for medical emergencies and unexpected healthcare needs away from home.
Why Work With an Independent Health Insurance Agent?
Do I pay extra to work with an insurance agent?
No. There is generally no additional cost to you for my assistance. I can help you understand your options, compare available plans, and complete enrollment.
Why not just choose a plan online by myself?
Online tools can show plans, but they may not explain how a plan affects your doctors, prescriptions, costs, and personal needs. I provide individual guidance and help you look beyond the monthly premium.
Can an independent agent compare more than one insurance company?
Yes. As an independent licensed agent, I can review plans from multiple insurance companies that I represent and help you compare the options available to you.
Will you help me after I enroll?
Yes. I remain available to answer questions, help you understand plan information, and guide you when it is time to review your coverage again.
Can you help with more than Medicare?
Yes. I also assist with ACA individual and family coverage, small-business health insurance, travel health insurance, and applications for certain government assistance programs that may help eligible clients reduce healthcare and prescription costs. This may include programs such as Medicaid, Extra Help, NJ PAAD, and Charity Care, depending on eligibility.
⭐ What My Clients Say
Helping you make Medicare simple and stress-free. Here’s what my clients say about their experience working with me.
★★★★★ 5.0 Google Rating
Read what clients are saying on Google
Chess Estates ⭐⭐⭐⭐⭐
“Best service I ever received. 10/10 Recommended to each and every friend and family.”
Lloyd G. ⭐⭐⭐⭐⭐
Joycie E.
“Excellent professional service. Resourceful and very knowledgeable. Answered my questions easily.”
Queenie B.
“Derene went above and beyond to help me understand my Medicare options. She was patient, knowledgeable, and made the entire process stress-free.”
★★★★★ See All Google Reviews
Medicare Disclaimer
We do not offer every plan available in your area. Any information we provide is limited to the plans we offer. Please contact Medicare.gov, 1-800-MEDICARE, or your local Medicare office for information about all of your Medicare options.