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Navigating the complex world of insurance can be frustrating. We're here to make it easy and be a resource you can depend on year after year.

Medicare Advantage

Medicare Advantage plans are new health care options that are part of the Medicare program. Coverage may include Medicare Part D prescription drug coverage as well as hospital, doctor, skilled nursing, and other medical services.

Medicare Supplement

A Medicare Supplement (Medigap) insurance, sold by private companies, can help pay some of the health care costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles.

Medicare Part D

Medicare Part D is the federal government's prescription drug program that covers both brand-name and generic prescription drugs at participating pharmacies in your area.


We Are Offering Live Virtual Appointments

My goal as Broker/Agent is to provide guidance and service to all my present, past, soon to be eligible and or any person wanting to assist a client on Medicare. In light of the COVID-19 ( Coronavirus) pandemic, I have suspended all seminars, meet and greet social events to minimize the risk of exposure to you as well as to myself.


However, instead of shutting down for a few months, we are stepping up to the challenge. Starting this week will we serving all that would like help with their Medicare questions in some cases via video appointments, or simply a phone call from the comfort of your home.


We will get through this together, Stay well!


Agent Cruz


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By submitting this information you acknowledge a licensed insurance agent may may contact you by phone or email to discuss Medicare Advantage Plans, Medicare Supplement Insurance or Prescription Drug Plans.