Independent Health, Medicare and ACA Marketplace guidance for Florida families. No fees, no quotas, no sales script. Just one honest fifteen‑minute conversation, in English or Spanish.
Three lines of coverage, one person who handles all of them. I am independent, so I compare every carrier I am appointed with and tell you plainly which one fits.
Advantage, Supplement and Part D, compared side by side against your actual doctors and your actual prescriptions. Turning 65, moving to Florida, or just tired of the mailers, we start from what you already have.
ACA Marketplace plans, plus the dental, vision and supplemental coverage that fills the gaps most people find out about at the worst possible moment. Individual, family, and self‑employed.
Most people qualify for more subsidy than they think, and a lot of people are in a plan that stopped fitting two renewals ago. I run the subsidy math first, then we look at plans.
I am a licensed Florida agent and the founder of Segvia Insurance Group. I built this practice because of how many people I met who were paying for coverage they did not understand, sold to them by someone they never heard from again.
Segvia is independent. I am not captive to any carrier, I have no quota, and I do not get paid more for steering you toward one plan over another. The carriers pay a set commission, and your premium is identical whether you enroll through me or on your own.
I work in English and Spanish, across the whole state of Florida. And I answer my own phone.
What my help costs you, at enrollment and every year after. Carriers pay the commission.
Every call, text and email answered inside one business day. Usually the same day.
Languages, English and Spanish, at every step and on every document.
Fifteen minutes, no obligation, in English or Spanish. You are not signing anything.
Talk to NoilanA sample of the carriers I am appointed with
UnitedHealthcare
Humana
Aetna
Devoted Health
Wellcare
Simply Healthcare
Freedom Health
Optimum Healthcare
Solis Health Plans
HealthSun
CarePlus
Prominence
Oscar
Ambetter
Cigna
Cigna
Ambetter
Oscar
Prominence
CarePlus
HealthSun
Solis Health Plans
Optimum Healthcare
Freedom Health
Simply Healthcare
Wellcare
Devoted Health
Aetna
Humana
UnitedHealthcare
You are not signing anything on the first call. Most people take about a week from the first conversation to a plan they feel good about.
Your doctors, your prescriptions, your ZIP code, and what went wrong with your last plan. No plan names yet. If your current coverage is already the best fit, this is where I tell you so and we are done.
Usually three plans, never twenty. Real numbers: what it costs in a normal year, what it costs in a bad year, and which of your doctors are in each network. You keep the document whether or not you enroll with me.
I handle the paperwork and confirm the effective date. After that you have my direct line for claim questions, ID cards and billing, and I call you every October before the annual changes hit.
Coverage changes are only allowed inside specific windows. Here are the ones that matter in Florida, and the exceptions that let you move outside of them.
Switch, join or drop a Medicare Advantage or Part D plan. Changes start January 1. This is the big one.
Already on an Advantage plan and it is not working? One switch allowed, or go back to Original Medicare.
Enroll or change marketplace coverage. Enroll by December 15 for a January 1 start date.
Moved, lost coverage, got married, had a baby, turned 65, or qualified for Extra Help. Ask me, more people qualify than think they do.
Nothing. Carriers pay a set commission whether you enroll through me, through a call centre, or on your own. Your premium is identical either way. There is no Segvia fee at enrollment and no fee in the years after.
No. Segvia is independent and I am appointed with a range of carriers across Medicare and the ACA marketplace, which is the whole reason a comparison is worth anything. A captive agent can only show you their own shelf. I will tell you plainly when something I cannot sell you looks like the better fit.
Sí, con mucho gusto. Toda la consulta, la comparación de planes, las llamadas a la aseguradora y los documentos, en español si lo prefiere. Sin intérprete y sin apuro.
That is the first thing we check, before I name a single plan. Bring me your doctors and your prescription list and I will tell you which plans keep all of them, which keep most, and what the difference costs you.
Worth fifteen minutes once a year, because plans change every January even when you do nothing. If yours is still the best fit I will tell you to keep it. That happens often, and it costs you nothing to find out.
Anywhere in Florida. I am licensed statewide and offer flexible appointments by phone or video, as well as in person at your home or another convenient location.
Call, text, email, or send the form. I answer every message the same day, in English or Spanish. First conversation is fifteen minutes and you are not signing anything.
