Insurance Services in Miami, FL
Welcome, my name is Jorge Ilvento, and I’ve been proudly serving the Miami community with expert insurance services for over 21 years. I know how overwhelming insurance can feel. Whether it’s health insurance, Medicare, life insurance, or travel coverage, you deserve someone who not only understands the system but understands your unique needs.
As a long‑time Miami resident, I’ve built my practice with the people of South Florida in mind. I’m not a call center. I’m not a national chain. I’m someone you can speak with directly, someone who’s walked countless families, individuals, and seniors through the insurance process with patience and clarity.
I also know that Miami is a city of languages and cultures. That’s why I offer support in English, Spanish, and Portuguese. I believe that insurance should be accessible to everyone, and language should never be a barrier to protecting your health or your future.
Why I Serve the Miami Community
Miami is more than a place I work. It’s my home. It’s where I’ve raised a family, built relationships, and established a business built on trust. I understand what matters to Miami families because I’m a part of this community myself. That means I’m familiar with the concerns people here face—whether it’s finding affordable health coverage, securing the right Medicare plan, or making sure loved ones are taken care of in the future.
The insurance needs of South Florida are unique. We have a diverse population that includes families, seniors, young professionals, immigrants, and international travelers. That diversity demands experience, flexibility, and above all, a personalized approach. That’s what I bring to every client I serve.
Helping Families Across South Florida
Families in Miami face a number of challenges when it comes to health care. Rising premiums, confusing networks, and uncertain medical costs make it hard to plan. My goal is to simplify the process. I listen to your concerns, explain your choices in plain language, and help you find a plan that covers what you need without breaking the bank.
I can also help you determine whether you qualify for government subsidies that reduce your monthly premiums. Many Miami residents are surprised to find out they are eligible for more assistance than they expected.
My Health Insurance Services
Helping Miami residents find affordable and effective health insurance plans is the foundation of what I do. Whether you’re applying for the first time, exploring new options, or trying to understand your eligibility for subsidies, I’m here to guide you.
I work with leading insurance providers to help you find plans that fit your needs and budget. From Marketplace coverage under the Affordable Care Act to private plans that offer broader networks or additional perks, I’ll help you compare your options and make the best decision.
I pay special attention to the details that matter to you. Does the plan cover your preferred doctors and hospitals? Will your prescriptions be included? How much will you pay out of pocket if you visit the emergency room? These are the real‑world questions that I help answer clearly and thoroughly.
Health insurance is not one‑size‑fits‑all. Whether you are a young professional just starting your career or a growing family managing household expenses, I’ll help you find coverage that makes sense for your stage of life and your financial goals.
Medicare Plans for Miami Seniors
For those approaching retirement or already enrolled in Medicare, choosing the right coverage can be complicated. I specialize in helping Miami’s senior population understand their Medicare options.
I walk you through the differences between Original Medicare, Medicare Advantage, and Medigap supplemental plans. I help you evaluate prescription drug coverage and ensure that the doctors and specialists you rely on are included in your network.
Miami is home to many retirees, and I take pride in offering honest, patient support as you make decisions that impact your health and financial security. Whether you’re enrolling for the first time at 65 or reviewing your options during the Annual Enrollment Period, I’m here to make the process smoother and less stressful.
Supplemental Insurance That Complements Your Coverage
Sometimes, a traditional health plan isn’t enough. I offer supplemental insurance options that give you added protection and peace of mind. These plans can help cover unexpected costs like hospital stays, critical illnesses, or accidents.
Supplemental plans are especially useful if you have high deductibles or out‑of‑pocket expenses that might put a strain on your finances. I’ll help you determine whether these options make sense for your situation and budget.
Life Insurance to Protect What Matters Most
Life insurance is one of the most personal decisions you can make. It’s not just about numbers. It’s about making sure the people you love are protected, no matter what happens.
I offer term life, whole life, and final expense plans that can be tailored to your needs. Whether you’re just starting a family or planning your estate, I’ll help you choose the right amount of coverage and explain all the available options.
I take the time to understand your goals and concerns so we can find a solution that gives you and your loved ones confidence about the future.
Travel Insurance for a Global City
Living in Miami means being connected to the world. Many of my clients travel internationally for business, education, or to visit family. Others are visitors coming to the United States who need temporary health insurance during their stay.
I provide travel insurance solutions for both U.S. residents traveling abroad and foreign visitors coming to Miami. These plans can help cover emergency medical expenses, trip interruptions, and more. I’ll help you find the right coverage for your destination and travel plans.
Open Enrollment
Don’t Miss Your Window
Open Enrollment is the most important time of year for health insurance. Starting November 1, individuals and families across Florida can apply for or change their health insurance plans.
During this time, I offer expanded availability for consultations and enrollment help. Whether you’re looking to renew your current plan, switch to a more affordable option, or enroll for the first time, I will walk you through each step.
The earlier you start, the better your chances of getting the coverage you want. Don’t wait until the last minute. Call me at 954‑736‑8598 to schedule your consultation and get ahead of the rush.
FAQs
Yes, I do. I speak English, Spanish, and Portuguese. Miami is a multilingual city, and I believe everyone deserves to understand their insurance options in their preferred language. Whether you are more comfortable speaking in Spanish or Portuguese, I will take the time to explain your plan options in a way that feels clear and natural. This helps ensure you make the best decisions for yourself and your family without language barriers getting in the way.
Open Enrollment in Florida starts on November 1 and typically ends on January 15. This is the time when you can enroll in a new health insurance plan, make changes to your existing plan, or apply for subsidies. If you miss this window, you may have to wait until the next year unless you qualify for a Special Enrollment Period due to a life event like marriage, a move, or the loss of other coverage. I encourage everyone to reach out early in the enrollment period so I can help you compare options and avoid the last‑minute rush.
Yes, that’s one of the most important parts of choosing the right plan. Miami has many hospitals and specialists, but not all are included in every insurance network. When we review your options, I will ask you about the doctors and facilities you currently use or prefer. Then, I’ll help you find a plan that includes those providers. This ensures you can continue receiving care from the professionals you trust without paying out‑of‑network fees.
Absolutely. Turning 65 is an important milestone, and understanding Medicare is critical to making the right choice for your health and finances. I’ll explain the difference between Original Medicare, Medicare Advantage, and Medigap plans, and help you understand how prescription drug coverage works. I’ll also make sure you enroll at the right time so you don’t face penalties. Many people feel overwhelmed by the number of options available, but I will make the process easier by focusing on what matters most to your situation.
Scheduling a consultation is easy. Just call me at 954‑736‑8598. I offer free, no‑obligation consultations where I take the time to learn about your needs and explain your options in clear terms. Whether you’re looking for health insurance, Medicare, life insurance, or travel coverage, I’ll help you find a insurance plan solution that fits. I can meet by phone or arrange a time in person, depending on what’s most convenient for you.
I am proud to serve Miami and its surrounding areas.
Please refer to the map below for a visual overview of where I provide services.
Need Insurance Services in Miami, FL?
If you’re looking for personalized, reliable insurance services in Miami, I invite you to reach out today. With over 21 years of experience, deep knowledge of South Florida, and a commitment to serving this community with care and integrity, I’m here to help.
Don’t navigate the insurance world alone. Whether you need health insurance, Medicare, life insurance, or travel coverage, I will work with you one-on-one to find the right solution.
Call me today to schedule your consultation. Let’s protect what matters most to you.