Proudly serving Wellington, West Palm Beach, Delray Beach, Boca Raton, Parkland, Coral Springs, Boynton Beach, Royal Palm Beach, and others in Florida, as well as 13 other states.
We can provide outstanding service and counsel for all types of health and life insurance including, but not limited to:
Why You Should Choose CoverCare Insurance Inc.
At CoverCare Insurance, we’re a team of experienced, knowledgeable insurance brokers dedicated to helping you navigate the often overwhelming world of health coverage. With so many carriers and plan options available, it’s easy to feel lost — but that’s where we come in. We take the time to understand your personal and financial goals, and then guide you through your options to help you find a plan that truly fits your needs and those of your loved ones.
What sets us apart is our commitment to service, transparency, and long-term support. Founded by Jonathan & Yudy Lozano, CoverCare brings years of experience working with top carriers like UnitedHealthcare, Aetna, Humana, Mutual of Omaha, and Florida Blue. As a family-owned agency, we offer a personal touch you won’t find in large call centers — and we stay with you beyond enrollment, answering your questions and supporting you year-round.
Whether you’re new to health insurance or looking for better coverage, we’re here to make the process clear, simple, and focused entirely on what’s best for you.
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Frequently Asked Questions
What are the different “metal” tiers in Marketplace plans?
- Bronze – lowest monthly premium, highest out-of-pocket costs
- Silver – moderate premium and cost-sharing (qualifies for most subsidies)
- Gold – higher premium, lower out-of-pocket
- Platinum – highest premium, lowest out-of-pocket
Coverage quality is the same across tiers—only the cost-sharing structure changes.
When can I enroll to an ACA plan?
- Open Enrollment: runs from November 1 to January 15. Coverage starts January 1 if you enroll by December 15, or February 1 for later enrollments
- Special Enrollment: triggered by life events like moving, job loss, marriage, or birth
Who is eligible to enroll in Marketplace plans?
You can apply if you:
- Live in the U.S.;
- Are a U.S. citizen, U.S. national, or lawfully present;
- Don’t have employer-sponsored, Medicare, Medicaid, or CHIP coverage
Can I switch my MA plan mid-year?
Yes—in Medicare Advantage Open Enrollment (Jan 1–Mar 31), you can switch MA plans or drop to Original Medicare and add Part D.
Should I get Medigap or Medicare Advantage?
Medigap offers provider freedom and predictable costs, while Advantage includes additional perks but restricts providers and may need referrals. Choice depends on needs and preferences.
Does Medigap cover travel outside the U.S.?
Many plans (like C, F, G, and N) include foreign travel emergency coverage, paying up to a specified limit abroad.
Is DVH covered under Medicare?
No. Original Medicare (Parts A and B) excludes most dental, vision, and hearing care. However, many Medicare Advantage plans include these benefits, and standalone DVH policies can fill remaining gaps.
What is Marketplace (ACA) insurance?
Marketplace insurance, also known as Affordable Care Act (ACA) coverage or Obamacare, is sold through state or federal exchanges like HealthCare.gov. It’s private insurance that meets ACA requirements, as mandated by law.