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  • Florida Medicare Quotes 
    Javier Garcia, Palm Bay Broker

    Florida Medicare – Plans That Keep You CoveredAdvantage, Supplement, Part D—We'll pick what saves you money. 
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Medicare Broker

I'm Javier Garcia—Palm Bay local, licensed for Medicare & health. I help retirees avoid the traps: surprise bills, high premiums, missing perks. Whether you're turning 65 or switching plans, I'll make it easy and I'll make myself available if you have any questions.



Why Choose Me?
  • Florida Medicare specialist – licensed & local
  • Free 2026 plan comparisons – text your zip & birthday
  • Zero sales pressure – I explain, you decide
  • Real reviews from Brevard County folks
  • Family-run – we treat you like ours



Best Life Options for Floridians Right Now:
  • Medicare Advantage – All-in-one: doctor visits, hospital, drugs, even dental/vision. Often $0 premium.
  • Medicare Supplement (Medigap) – Covers gaps Original Medicare leaves—like 20% coinsurance. Peace of mind.
  • Part D Prescription Drug – Cheaper meds. I'll match your list to the best plan.
  • Extra Perks – Gym memberships, meal delivery—some plans throw 'em in.

FAQ

FAQ
Do I need to switch every year?

Not always, but I'll check for you

What's covered?

Hospital, doctor, drugs—depends on plan. I'll break it down. 

Can I change later?

Yes, you can change every year during open enrollment. 

Can I keep my doctor?

Most Advantage plans let you—I'll confirm.

What insurance carriers do you work with?

I work with a variety of reputable insurance carriers to provide my clients with the best coverage options. Some of the carriers I collaborate with include but are not limited to United Health Care, Aetna CVS, Cigna, Molina, Oscar, Ambetter, Americas, Mutual of Omaha, Americo, SBLI, Foresters, American Amicable, John Hancock, and Assurity, to name a few. By partnering with multiple carriers, I am able to offer my clients a wide range of insurance products, ensuring that they receive tailored solutions that meet their unique needs.

How long does it take you to respond to questions or problems?

I understand the importance of timely and effective communication. We strive to respond to all inquiries and concerns within 24-48 hours of receiving them depending on the complexity of the issue. 

Insurance Services

Life Insurance
Individual Health Insurance
Medicare
Dental & Vision
Medicare
Medicare Advantage
Medicare Advantage (Plan C)
Suplemental Plans
MA Supplemental Plans
Drug suplemental plan
PDP Standalone

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Dental & Vision
Dental Plan
Dental Plans
Vision Plan
Vision Plans
Dental and Vision plan
Dental + Vision + Hearing

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Life Insurance
Term Life Insurance
Term Insurance
Life Insurance
Whole Life Insurance
Universal Life Insurance
Universal Life Insurance
Final Expense
Final Expense

Life insurance is designed to give you peace of mind and protect your family in the event of an unexpected death. It covers the financial burden that comes with death, such as funeral expenses, outstanding debts, and the loss of income for the surviving family members. 

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Individual Health Insurance
Obamacare insurance
Marketplace (Obamacare)
Private health insurance
Individual Private Insurance
Supplemetal insurance
Ancillary Plans

Individual, Group, Marketplace or Medicare, my goal is to make it as simple and stress-free as possible. I take the time to listen to your needs, explain available coverage options and provide you with a quote that fits your needs. Don’t let the complexity of the health insurance market hold you back from getting the coverage you need. 

Book your Appointment

Some of our Partners

These are some of your partners. They play a mayor roll on making sure we can offer you the best products available to your needs.

United health care
SBLI
Mutual of Omaha
Aetna
Ameritas
Foresters
Fildelity
Ethos
Health First
ING life insurance
Assuring
AARP
Fidelity
Humana
Ambetter health
Cigna