Medicare
I review your plan calmly: your doctors, your medications, and what changed this year. Sometimes the best recommendation is to stay right where you are.
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Tania Torres
Your friend in insurance
Licensed insurance agent · Florida and Connecticut
Medicare · ACA/Obamacare · Life
Open season · ACA 2027
Do you need health insurance for 2027?
ACA enrollment season is now open. Fill out the quote form and I'll call you to go over your options calmly. To start covered on January 1, your authorization must be complete before December 10.
Fill out the quote formWhat I work with
ACA / Obamacare
Quotes and renewals for you and your family, with your income estimated carefully so April doesn't bring surprises.
Book a call →Life insurance
Simple protection for your family, with no pressure and no hidden fine print.
Book a call →Money Max
Ask me how it can help you organize your finances.
Book a call →Sound familiar?
Turning 65 soon?
Turning 65 opens your window to enroll in Medicare, and the order of the steps matters. I'll explain your path with no confusion.
Book a call →Did you move from Puerto Rico to Florida?
Moving can open a special period for you to review your plan, and your agent back home can't always follow you. We review your doctors and medications here, before you need to use them.
Book a call →Do you travel between Puerto Rico and Florida?
Spending time in both places changes which plan fits you. We review it based on your real life, not a brochure.
Book a call →Why work with me
- I don't disappear after enrollment: I stay with you all year — a review at the start of the year, a mid-year check-in, help with letters and paperwork, and your annual review.
- A no-obligation second look: like a second medical opinion, I verify that what you have fits your needs; if it's fine, I'll tell you, and we change nothing.
- Straightforward, in your language: licensed in Florida and Connecticut; if something is outside what I can do, I'll tell you clearly.
- My guidance costs you nothing.
How I work
We talk
You tell me your situation and what worries you.
I review your doctors and medications
I verify your plan covers them before we talk about changes.
We compare options
Only if something doesn't fit do we look at alternatives.
I stay with you all year
Not just at enrollment: all year long.
Tania, quick question…
How much does your guidance cost?
Nothing for you. You pay for your plan, the same as if you did it without help — the difference is you don't do it alone: I review it with you and stay with you all year.
Can I review my plan even if I already have an agent?
Yes. The review is a no-obligation second look: we check your doctors, your medications, and the benefits you're not using. If everything is fine, you stay at ease with what you have.What should I bring to my appointment?
Your plan card, your medication list, and any letter you've received. With that, we do a real review, not a blind one.
Do you work with Puerto Rico plans?
I'm not licensed in Puerto Rico, and I'll tell you that straight. If you live in Florida or Connecticut, or you travel between Puerto Rico and Florida, I can guide you.
Does the appointment have to be in person?
Whichever you prefer: by phone, or at my Orlando office. Book whichever works best for you.
Am I still in time to review my plan?
For Medicare, the review window closes December 7. For ACA 2027, complete your authorization before December 10 to start covered on January 1. Missed the date? Not all is lost: outside the season, special enrollment periods exist when a big change happens — moving (like from Puerto Rico to Florida), losing your coverage, getting married, or having a baby. Tell me what happened and we'll check if you qualify.