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  • Your Florida Family Broker

    We shop every plan—so you get the best coverage, no headaches. Medicare, Life, Health, Dental.

    Tailored for Palm Bay & Central Florida.

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

    Medicare Plans: Your Florida Family Guide—Zero Hassle, Full Coverage

    Turning 65? Already on Medicare? We make it simple—no confusion, no sales pitch. In Palm Bay and Central Florida, we shop every option: Medicare Advantage (all-in-one with extras like dental/vision), Supplements (gap coverage so you pay nothing out-of-pocket), or Part D (cheap prescriptions—some plans zero copay on generics).

    Why us? We compare dozens of carriers—think UnitedHealthcare, Aetna, Humana—then pick what fits your doctors, meds, and wallet. Zero cost to you—we get paid by the plan, not you. No network surprises, fast enrollment, and we handle paperwork so you don’t.

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

    Dental & Vision: Bright Smiles, Clear Vision—Florida-Friendly Coverage

    Need to keep your teeth healthy and eyes sharp without the hassle? Some of the Insurance carriers offer standalone or bundled dental and vision plans that fit real budgets—perfect for Palm Bay families who want quality care without surprises.

    Dental starts at under thirty bucks a month—covers cleanings, fillings, even root canals at 50-80% after deductible. No waiting periods on basics, and you pick your dentist—no network lock-in. Vision? Eye exams, glasses, contacts—up to two hundred dollars off frames every year. Add kids or a spouse, still stays affordable.


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    Home & Auto
    Dental Plan
    Property (Home Insurance)
    Vision Plan
    Auto Insurance
    Dental and Vision plan
    Liability Insurance

    Coming Soon!!

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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: Protect What Matters—Affordable, No-Nonsense Coverage

    Life happens—kids grow up, mortgages linger, emergencies hit. Life insurance isn’t just a policy; it’s peace of mind for your Florida family. We shop term, whole, and final expense plans that fit real budgets—no medical exam needed for most.

    Term? Cheap coverage—twenty years, thirty years—starts under twenty bucks a month for a healthy forty-year-old. Whole life? Builds cash value you can borrow against, like a savings account with death benefit. Final expense? Covers burial, medical bills—guaranteed approval, even if health's shaky.

    Why us? We compare carriers like Mutual of Omaha, Banner Life, Transamerica—find the lowest rate, fastest payout. No pressure, no gimmicks—just honest advice. We’ll match your age, health, and goals—maybe even bundle with dental or health for extra savings.

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

    Health Insurance: Simple, Affordable—Coverage That Fits Your Life

    Health shouldn't be a headache—especially in Florida where costs sneak up fast. We shop ACA Marketplace plans, short-term options, and off-exchange coverage—tailored for Palm Bay families, singles, or self-employed folks.

    Marketplace? Subsidies cut premiums big—some pay zero after credits. Covers doctor visits, hospital stays, prescriptions—plus dental/vision add-ons. Short-term? Bridge gaps between jobs—low cost, quick start, no waiting. No network drama—we pick plans with your docs in mind.

    Why us? We compare every carrier—Blue Cross, Cigna, Ambetter—find the sweet spot for your age, income, and needs. Zero cost to you—we're paid by the plan. Fast enrollment, no red tape, and we check for extras like telehealth or gym discounts.


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Why Javier Garcia Insurance?

Why Choose Us?

  • Local & Personal — We know Palm Bay, Melbourne, Titusville, Vero Beach. Serving real Florida families, no pressure, just talks.
  • No Pressure — Free consults, honest advice, zero sales tricks.
  • Fast & Simple — Quotes in minutes, coverage in days.


Ready to Talk? 

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Email info@javierconsulting.com  

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