Oscar Chavez, Medicare Insurance Broker
Oscar Chavez
Insurance Plus SWFL LLC
Bilingual English & Español
Medicare Broker Licensed in FL, IN, MI, TX and VA
9+ Years of Experience
Contact Details
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Location
Fort Myers, FL
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Phone
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About Me
Your Trusted Medicare Broker – Experienced Guidance for Your Medicare Journey
With over 9 years of experience as a dedicated Medicare broker, I proudly serve as a key member of Medicare Agent Hub, providing personalized, comprehensive Medicare solutions. I am fully licensed in Florida, Texas, Michigan, and Virginia and work with industry-leading providers—including Aetna, Devoted Health, Florida Blue Medicare, Freedom Health, Gold Kidney Health, Healthsprings, Humana, Solis Health, Optimum Health, United Healthcare, and WellCare Health—to help you navigate your Medicare options with confidence.
Whether you are turning 65 in 2025, planning to retire, or have recently relocated from another state or county, my goal is to simplify your Medicare experience. As a bilingual agent fluent in both Spanish and English, I am committed to breaking down language barriers and ensuring clear, accessible communication every step of the way.
I offer flexible consultation options to best meet your needs:
By Phone: Convenient, personalized advice from the comfort of your home.
Online: Easy-to-access virtual meetings for tailored Medicare consultations.
In-Person Visits: Available at your home or office for residents in the Southwest Florida area.
In addition to guiding you through your Medicare choices, I provide a comprehensive health plan review to determine if you qualify for a Medicare savings plan, ensuring you receive the best possible benefits to suit your unique needs.
Explore a worry-free Medicare journey with a trusted professional who understands the complexities of Medicare and is dedicated to helping you secure a healthy, financially secure retirement. Contact me today for a free consultation and discover how you can optimize your Medicare coverage!
My Google Reviews
72 Total Reviews (5.0 )
August 29, 2026
(Translated by Google) Excellent service, very professional and very experienced, I recommend them 100%. (Original) Excelente atención muy profesional y con mucha experiencia lo recomiendo 100%
July 18, 2026
(Translated by Google) The interaction with Insurance Agent Oscar has been very beneficial; he is very professional and knowledgeable about the business. I am pleased with him and his experience. (Original) Ha sido provechoso la interacción con el Agente de Seguro Oscar muy profesional y conocedor de la actividad , complacida con el y su experiencia.
July 18, 2026
(Translated by Google) Oscar is wonderful. Very polite and kind. He answered all my questions. I just moved and he's already taken care of everything for me: my insurance, doctors, medications, etc. I highly recommend him; don't hesitate to call him. (Original) Oscar es maravilloso. Muy educado y amable. Me aclaro todas las dudas. Me acabo de mudar y ya me organizo todo de mi seguro, médicos, medicinas, etc. Se los recomiendo, no duden en llamarlo.
June 10, 2026
Oscar was great helping me and my husband navigate medicare and other health insurance options. He took so much time with us and made sure we understood our options. Highly recommend him!!
May 23, 2026
(Translated by Google) “Thank you to Mr. Oscar for taking the time to explain the entire health insurance process to me. I highly recommend his service 100%. He is a committed, professional person with extensive knowledge in the field.” (Original) “Gracias al señor Oscar por el tiempo dedicado a explicarme todo el proceso de los seguros médicos. Recomiendo ampliamente su servicio al 100%. Es una persona comprometida, profesional y con amplio conocimiento en el área.”
Q&A with Oscar Chavez
Answer: For 2026 the monthly premium for Part B for indi income less than $109,000 or joint income less than $208,000 is $202.90 a month
Answer: If you have Medicare Original, it will not be affected. But your Par D coverage you will have to call your provider to change coverage.
Answer: Yes, it can terminate your coverage if you don't pay your monthly premium to the company you chose, or you stop paying your par B.
Answer: The biggest mistake is not signing up for a prescription drug plan or Part B when they are eligible for it.
Answer: I enjoy educating people on Medicare, creating a bond with them, and helping them solve issues that come along.
Answer: If you are turning 65 and still working and have insurance through your job that has more than 20 employees, you could delay it.
Answer: If you can not afford your premiums, you may qualify for the Medicare Savings Program that will help you pay your premiums.
Answer: If you have insurance through your job, I recommend signing up for Part A, since it costs you nothing if you have 40 credits, and if you don't have insurance through your job, I recommend you go to a Social Security office 3 months before your birth day to sign up for Medicare Part A and B, and then call me.
Answer: You might be getting a bill for part B because you delayed signing up for it. I would also check if you got your Part D.
Answer: It might limit your options for finding a provider, and I will suggest a PPO plan to give you more options.
Answer:
This is one great reason to have an insurance agent on your side, who will explain that Medicare only covers 80%, and you are responsible for the 20%.
Esta es una buena razón por el cual es bueno tener un agente de seguros a tu lado, ya que el te hubiera podido explicar que Medicare cubre el 80% y tú eres responsable del 20%
Answer: I would advise you to ask your pharmacist if they work with a discount plan like GoodRx or SingleCare to shop for a price.
Answer: I can help you add a doctor to your plan by searching if he is in the network and accepting new patients.
Answer:
You should work with an agent because they can advise you and help you with any questions you have about Medicare. Also, it does not cost you anything to have someone on your side.
Yo te recomiendo tener un agente de seguro a tu lado ya que es la persona que te puede guiar en el mundo complicado de Medicare y no te cuesta nada .