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 Inc., we are a team of licensed insurance agents dedicated to helping individuals and families better understand their health coverage options. We know that navigating health insurance can feel complex, and our role is to provide clear information and guidance so you can make informed decisions based on your personal and financial needs.
We take the time to listen, explain available options, and answer questions in a straightforward manner. Our goal is to help you understand how different plans work, what they cover, and how they may fit into your situation — so you can choose the coverage that works best for you and your household.
CoverCare Insurance Inc. is a family-owned agency founded by Jonathan and Yudy Lozano. We are committed to professionalism, transparency, and ongoing service. Rather than a call-center experience, we focus on providing personalized assistance and continued support beyond enrollment, including help with questions, updates, and annual reviews when appropriate.
Whether you are enrolling for the first time, reviewing your current coverage, or exploring changes due to life events, we are here to help explain your options and support you throughout the process — with clarity, respect, and year-round availability.
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Frequently Asked Questions
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.
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.
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
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
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.
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 Medicare.gov or call 1-800-MEDICARE to get information on all of your options.