Insurance Plus SWFL is here to help you
protect what matters most.

Offering Medicare Advantage Plans, ACA Health Plans,
Life Insurance, Final Expenses, and Funeral Assistance Plans.

About Us

At Insurance Plus SWFL, we prioritize our customer's needs by providing exceptional customer service. We offer virtual meetings, by phone and in person, personalized assistance, and bilingual support to help you navigate the insurance world. With experience since 2017 and licensed in Florida, Texas, Michigan & Virginia, we have the knowledge to help you find the right Medicare Advantage plan, Medigap, Health and Life insurance products that fit your needs and budget. Additionally, we provide educational information on our website. The highlighted links offer more detailed information about our services, making it easier for you to understand your options.

Local insurance agents in Florida and Texas

Services

We provide you with our knowledge on Medicare Advantage plans, ACA Affordable Health plans, Life Insurance with living benefits, Final Expenses, and Funeral Assistance plans. We understand that every client is different, and work with you to find a plan that best suits your needs.

Get in Touch!

Medicare Advantage Plans

As a local independent agent, I listen to you.

My Health Plan

Due to COVID-19, we have added another excellent resource for customers! Introducing My Health Plan a perfect tool to quote, shop and enroll for Medicare Advantage plans on your own time and from the comfort of your office or home, (did not see the health provider that you are interested in, let us know), If you have any questions feel free to contact us at:
239-984-4940.

How Medicare Works

Medicare is a federal insurance program that provides health insurance for people 65 and older and individuals younger than 65 that may qualify due to a disability. There are four parts to Medicare — Part A, B, C, and D. Click the icons below to learn more about each piece!

What is Medicare Part A?

Medicare Part A is inpatient and hospital insurance. Part A coverage applies to:

  • Inpatient hospital care

  • Skilled nursing care

  • Hospice care

  • Some home health care

supplement insurance Florida

Oscar Chavez nor Insurance Plus SWFL LLC are associated with the Federal Medicare Program. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact www.medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week to get information on all your options.

Medicare Advantage Plans

As a local independent agent, I listen to you.

MyHealthPlan

Due to COVID-19, we have added another excellent resource for customers! Introducing My Health Plan is a perfect tool to quote, shop and enroll for Medicare Advantage plans on your own time and from the comfort of your office or home, (did not see the health provider that you are interested in, let us know), If you have any questions feel free to contact us at:
239-984-4940.

How Medicare Works

Medicare is a federal insurance program that provides health insurance for people 65 and older and individuals younger than 65 that may qualify due to a disability. There are four parts to Medicare — Part A, B, C, and D. Click the icons below to learn more about each piece!

What is Medicare Part B?

Medicare Part B is outpatient medical insurance. Part B coverage applies to:

  • Services from doctor

  • Outpatient care

  • Durable medical equipment

  • Preventative services

Health Insurance

Oscar Chavez nor Insurance Plus SWFL LLC are associated with the Federal Medicare Program. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact www.medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week to get information on all your options.

Medicare Advantage Plans

As a local independent agent, I listen to you.

MyHealthPlan

Due to COVID-19, we have added another excellent resource for customers! Introducing My Health Plan is a perfect tool to quote, shop and enroll for Medicare Advantage plans on your own time and from the comfort of your office or home, (did not see the health provider that you are interested in, let us know), If you have any questions feel free to contact us at:
239-984-4940

How Medicare Works

Medicare is a federal insurance program that provides health insurance for people 65 and older and individuals younger than 65 that may qualify due to a disability. There are four parts to Medicare — Part A, B, C, and D. Click the icons below to learn more about each piece!

What is Medicare Part C?

Medicare Part C or Medicare Advantage is a privately managed, federally approved Medicare plan. Part C plans combine the benefits of Part A and B into one program and may also include the following:

  • Prescription drug coverage

  • Dental, vision, and hearing coverage

  • Wellness programs and telehealth services

Aetna MAPD

Oscar Chavez nor Insurance Plus SWFL LLC. are associated with the Federal Medicare Program. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact www.medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week to get information on all your options.

Medicare Advantage Plans

As a local independent agent, I listen to you.

MyHealthPlan

Due to COVID-19, we have added another excellent resource for customers! Introducing My Health Plan is a perfect tool to shop, quote and enroll for Medicare Advantage on your own time and from the comfort of your office or home, (did not see the health provider that you are interested in, let us know), If you have any questions feel free to contact us at:
239-984-4940.

How Medicare Works

Medicare is a federal insurance program that provides health insurance for people 65 and older and individuals younger than 65 that may qualify due to a disability. There are four parts to Medicare — Part A, B, C, and D. Click the icons below to learn more about each piece!

What is Medicare Part D?

Medicare Part D plans provide beneficiaries with privately managed, federally approved prescription drug coverage. Medicare Part A and B don’t offer prescription drug coverage, so Part D helps:

  • Manage prescription drug costs

  • Provide discounts at in-network and preferred pharmacies

Humana MAPD

Oscar Chavez nor Insurance Plus LLC are associated with the Federal Medicare Program. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact www.medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week to get information on all your options.

Medicare Advantage Plans

As a local independent agent, I listen to you.

MyHealthPlan

Due to COVID-19, we have added another excellent resource for customers! Introducing My Health Plan a perfect tool to quote, shop and enroll for Medicare Advantage plans on your own time and from the comfort of your office or home, (did not see the health provider that you are interested in, let us know), If you have any questions feel free to contact us at:
239-984-4940.

How Medicare Works

Medicare is a federal insurance program that provides health insurance for people 65 and older and individuals younger than 65 that may qualify due to a disability. There are four parts to Medicare — Part A, B, C, and D. Click the icons below to learn more about each piece!

What is Medicare Medigap?

Medicare supplement insurance (Medigap) helps pay some or all costs not paid by Original Medicare (deductibles, copays and coinsurance).

  • Value-added services available

  • Guaranteed renewable

  • Discounts available for insured members

Medigap

Oscar Chavez nor Insurance Plus LLC are associated with the Federal Medicare Program. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact www.medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week to get information on all your options.

ACA Health Plans

Let us help you find a health plan that fits your needs.

Atencion Florida, Texas, Michigan, and Virginia!

A special enrollment period; may be certain life events, like losing health coverage (including Medicaid or Children's Health Insurance Program (CHIP) coverage), moving, getting married, having a baby, or adopting a child, may qualify you to enroll in or change Marketplace health plans outside the yearly Open Enrollment Period (November 1 — January 15). You can quote and enroll online 24/7 through our link ENROLL NOW at your convenience, or feel free to contact us at 239-984-4940 so we can provide you assistance.

Why choose us?

Insurance Plus SWFL, LLC, with over six years of experience, makes it easy to get proper medical coverage in your county in Florida, Texas, Michigan, and Virginia at the best price. We can help you find the right plan online, via a virtual meeting, over the phone, or face-to-face with an agent who will provide customer service year-round, all at no cost.

Aetna CVS Health

What is ACA Health Plan?

The Affordable Care Act aims to make health insurance obtainable for more people. The law provides consumers with subsidies (“premium tax credits”) that lower costs for households with incomes between 100% and 400% of the federal poverty level.

United Healthcare

Bronze


- Lowest monthly premiums
- Highest out-of-pocket expenses

Silver


- Lower monthly premiums
- Higher out-of-pocket expenses

Gold


- Higher monthly premiums
- Lower out-of-pocket expenses

Platinum


- Highest monthly premiums
- Lowest out-of-pocket expenses

Life Insurance

Let us give you peace of mind.

What is Life Insurance?

In its simplest form, life insurance is a promise between an insurance company and you, the policy owner. If you pay a certain amount of money (premium) to the insurance company, the insurance company will pay a certain amount of money (death benefit) to the person (beneficiary) you tell us to when the person whose life is being insured dies.

Term Life insurance

Living Benefits

Accelerated Benefits Riders are optional, no-additional cost riders that can allow you to access all or part of your death benefit while living, if you experience a qualifying terminal, chronic, or critical illness, or critical injury.The use of the benefit is unrestricted with the exception that ABR proceeds for chronic illness in the state of Massachusetts can only be used to pay for expenses incurred for Qualified Long-Term Care services

What is Whole Life Insurance?

These policies are designed for individuals who want guarantees and are focused on providing death benefit protection over cash value accumulation.

  • Guaranteed death benefit

  • Guaranteed cash value

  • Potential additional cash value by the receipt of any dividends declared by the company. Although not guaranteed, dividend payments are generally declared annually by the company.

  • Level premiums that are guaranteed to never change.

Life Insurance

Let us give you peace of mind.

What is Life Insurance?

In its simplest form, life insurance is a promise between an insurance company and you, the policy owner. If you pay a certain amount of money (premium) to the insurance company, the insurance company will pay a certain amount of money (death benefit) to the person (beneficiary) you tell us to when the person whose life is being insured dies.

Life insurance with living benefits

Living Benefits

Accelerated Benefits Riders are optional, no-additional cost riders that can allow you to access all or part of your death benefit, while living, if you experience a qualifying terminal, chronic, or critical illness, or critical injury.
The use of the benefit is unrestricted with the exception that ABR proceeds for chronic illness in the state of Massachusetts can only be used to pay for expenses incurred for Qualified Long-Term Care services

What is Universal Life Insurance?

May be ideal for the consumer who has a need for life insurance, is somewhat conservative, and wants the guarantees of a fixed, minimum interest rate with the potential for additional interest credits.

  • Flexible death benefit

  • Flexible premium

  • Policy cash values are credited a current interest rate that is set by the insurance company, which is subject to change, but will never be lower than a guaranteed minimum interest rate.

Life Insurance

Let us give you peace of mind.

What is Life Insurance?

In its simplest form, life insurance is a promise between an insurance company and you, the policy owner. If you pay a certain amount of money (premium) to the insurance company, the insurance company will pay a certain amount of money (death benefit) to the person (beneficiary) you tell us to when the person whose life is being insured dies.

life insurance Texas

Living Benefits

Accelerated Benefits Riders are optional, no-additional cost riders that can allow you to access all or part of your death benefit, while living, if you experience a qualifying terminal, chronic, or critical illness, or critical injury.
The use of the benefit is unrestricted with the exception that ABR proceeds for chronic illness in the state of Massachusetts can only be used to pay for expenses incurred for Qualified Long-Term Care services

What is Indexed Universal Life Insurance?

This policy is ideal for those who need death benefit protection but are focused on cash value accumulation for lifetime needs such as supplementing retirement income.

  • Flexible death benefit

  • Flexible premium

  • Cash value grows based on an interest crediting strategy that is tied to changes in a market index such as the S&P 500.

  • Downside protection through minimum guarantees to ensure that your cash value will not decline due to decreases in the Index.

Life Insurance

Let us give you peace of mind.

What is Life Insurance?

In its simplest form, life insurance is a promise between an insurance company and you, the policy owner. If you pay a certain amount of money (premium) to the insurance company, the insurance company will pay a certain amount of money (death benefit) to the person (beneficiary) you tell us to when the person whose life is being insured dies.

Life Insurance Florida

Living Benefits

Accelerated Benefits Riders are optional, no-additional cost riders that can allow you to access all or part of your death benefit, while living, if you experience a qualifying terminal, chronic, or critical illness, or critical injury.
The use of the benefit is unrestricted with the exception that ABR proceeds for chronic illness in the state of Massachusetts can only be used to pay for expenses incurred for Qualified Long-Term Care services

What is Variable Universal Life Insurance?

This policy is designed for the customer who needs life insurance but would like to have the ability to choose how their cash value is invested.

  • Flexible death benefit

  • Flexible premium

  • Cash value grows based on the performance of the professionally managed stock, bond and money market sub-accounts that you choose. You can design a portfolio to match your comfort level and risk tolerance. Policy cash values fluctuate based on the sub accounts in which you are invested and may lose value, including principal.

Life Insurance

Let us give you peace of mind.

What is Life Insurance?

In its simplest form, life insurance is a promise between an insurance company and you, the policy owner. If you pay a certain amount of money (premium) to the insurance company, the insurance company will pay a certain amount of money (death benefit) to the person (beneficiary) you tell us to when the person whose life is being insured dies.

Living benefits

Living Benefits

Accelerated Benefits Riders are optional, no-additional cost riders that can allow you to access all or part of your death benefit, while living, if you experience a qualifying terminal, chronic, or critical illness, or critical injury. The use of the benefit is unrestricted with the exception that ABR proceeds for chronic illness in the state of Massachusetts can only be used to pay for expenses incurred for Qualified Long-Term Care services

What is Term Life Insurance?

Term life insurance is designed for those who have budget limitations, large protection needs or temporary need.

  • Guaranteed death benefit for a fixed period

  • Fixed premium.

  • No cash value.

  • Coverage is for a certain period of time (term), usually for a specified number of years or to a specific age of the insured.

  • Initial premiums tend to be lower but will eventually increase.

Funeral Assistance Plan

Protection for your family.

Assure For Life

America's best funeral assistance plan

Will coordinate all funeral arrangements throughout the United States and Latin America

  • Protecting family and friends (Up to 7 beneficiaries)

  • Including parents up to 80 years old

  • Providing assistance with the transfer of the remains to their country of origin

Funeral Plan

Giving you the support and peace of mind you need through life's toughest moments.
Learn more!

Final Expense

Give your loved ones a little extra help during a difficult time

Final Expense

Helps to cover final expenses

Provides valuable whole life insurance protection to help cover final expenses, such as medical bills, burial costs and unpaid debt. It helps protect your family from the financial burden of your final expenses.

Your acceptance is guaranteed

If you’re between 50 and 80 years old, your life insurance acceptance is guaranteed with this policy, regardless of your health history. There are no medical exams or lengthy health questionnaires to complete.

Final Expense Florida
final expense Texas

Your policy builds cash value

As a whole life insurance policy, a portion of each premium you pay is set aside as the cash value of your policy. Cash value builds over time and can be borrowed from if needed. The longer you own the policy, the more cash value your policy accumulates.