Ceranes Lejulus, Medicare Insurance Broker
Ceranes Lejulus
Healthugo
Bilingual English & Español
Medicare Broker Licensed in FL, AL, AR, AZ, CA, DC, GA, IL, IN, KY, MA, ME, MI, MO, MS, NJ, NY, OH, OK, SD, TX, VT, WV and WY
8+ Years of Experience
Contact Details
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Location
Orlando, FL
Ceranes Can Help With:
- Medicare Advantage
- Medicare Supplement
- Prescription Drug
- Dental Plans
- Vision Plans
- Hearing Plans
- Individual / Family Plans
- Group Benefits
- Life Insurance
- Final Expense Insurance
- Critical Illness
- Long Term Care Insurance
- Short Term Care Insurance
- Disability Insurance
- Hospital Indemnity Insurance
- Annuities
About Me
At Healthugo, we focus on one thing—Medicare.
We know it inside and out. And because of that, we also understand just how complicated, confusing, and overwhelming it can feel. That’s why we’re committed to de-complexifying Medicare, helping customers across the country navigate their options with clarity and confidence—one person at a time.
Our mission is simple: match each individual with the right plan, in the right place, at the right time—so they can enjoy better health and true peace of mind.
Our team of highly experienced, licensed agents combines deep expertise with genuine empathy. We don’t just look at plans—we take the time to understand the person behind the plan. By listening carefully and getting to know each customer’s unique needs, we’re able to tailor solutions that truly fit—every time.
Whether you already have an idea of what you need or you’re just starting with questions about Medicare, we’re here to guide you every step of the way.
Let’s find you a Medicare plan that fits your needs—and your budget—while unlocking additional benefits and savings.
Q&A with Ceranes Lejulus
I'm healthy and barely use my coverage, but I'm still paying more every year. Why isn't there a discount for people like me?
Answer: Can you share a bit more information? Are you saying you're paying more in premiums or copays? --- we probably would need a bit more information. But generally, if you're more in premiums, you're probably have a supplement plan. Carriers that offer supplement plans usually have rate increases every year. You may have some options at your disposal, but we would need additional information.
How do Medicare Savings Programs help with Medicare costs?
Answer: The Medicare Prescription Payment Plan is a voluntary payment option for managing out-of-pocket prescription drug costs, allowing a client to spread payments across the year instead of paying the pharmacy directly.
My Medicare Advantage plan listed my doctor, but now they say he's out of network. How is that even allowed?
Answer: The 2025 Part D changes are likely to help with the specialty medication. Primarily, the Medicare Prescription Payment Plan --- which is a voluntary payment option for managing out-of-pocket prescription drug costs, allowing a client to spread payments across the year instead of paying the pharmacy directly.
Secondly, beneficiaries no longer have to deal with the donut hole / coverage gap.
I'm on an expensive specialty medication. Will the 2025 Part D changes help someone in my situation?
Answer: The 2025 Part D changes are likely to help with the specialty medication. Primarily, there is Medicare Prescription Payment Plan --- which is a voluntary payment option for managing out-of-pocket prescription drug costs, allowing a beneficiaries to spread payments across the year instead of paying the pharmacy directly.
Secondly, beneficiaries no longer have to deal with the donut hold / coverage gap... which is a sigh of relieve for many beneficiaries.
What's the most frustrating misconception you have to clear up with clients about Medicare every year?
Answer: Hmmm, let's see.... I think the most misconception clients have is that they think Medicare covers everything. I regularly have to educate that the Medicare was never designed to pay for everything. It's my job to try to minimize those out-of-pocket costs as much as possible.
What do you like most about being a Medicare agent?
Answer: Honestly, what I love most about being a Medicare agent is just being able to help people make sense of it all. Medicare can get super confusing, and I really enjoy breaking it down in a way that makes people feel comfortable and confident in their decisions. It’s not just about signing someone up and moving on—it’s about being there long-term, answering questions, checking in, and making sure they’re always in a good spot with their coverage. I really like building those relationships and being someone they can rely on."