Bernadette Simeon, Medicare Insurance Broker

About Me

HelpCare Benefits Agency is an independent health insurance brokerage proudly serving individuals, families, and small businesses across Florida. We believe finding the right coverage shouldn't be complicated, confusing, or overwhelming — so we take the time to understand each client's unique needs, budget, and goals before ever making a recommendation. As an independent brokerage our loyalty is always to you, not to an insurance company — we shop the market and recommend only what genuinely fits your situation. We help clients navigate: ACA Marketplace Plans — comparing Bronze, Silver, Gold, and Platinum tiers, understanding premium tax credits, and enrolling during Open Enrollment or a Special Enrollment Period; Medicare — Original Medicare, Medicare Advantage (Part C), Medicare Supplement (Medigap), and Part D prescription drug plans; ICHRA for Small Businesses — a flexible, tax-advantaged alternative to traditional group health plans; Ancillary Health Products — dental, vision, critical illness, hospital indemnity, and accident policies to help fill the gaps standard coverage leaves behind. From your first consultation through annual renewals, we're a long-term resource; not a one-time transaction. There's no cost to work with us; we're compensated by the carriers, not by our clients.