Se habla español · نتحدث العربية · Licensed local agents, no call centers ACA Open Enrollment opens Nov 1 · Medicare AEP Oct 15 ENESAR
407-705-3877 Check my eligibility
Saint Cloud · Kissimmee · Cocoa · Orlando

Find out what you actually qualify for. In about two minutes.

Most people never check. A licensed local agent will look at your situation and tell you your real options, at no cost to you.

  • You may not have to wait until November. A life change can open a 60-day window.
  • Our service costs you nothing. The carriers pay us, not you.
  • A family agency on 13th Street since 2012. One person, one call.

No obligation. We will never ask about your medical conditions.

Check what you qualify for
Four quick questions. No cost, no obligation.
What are you looking for?
So we route you to the right licensed agent.
✔ Licensed Florida agents ✔ $0 cost to you ✔ No medical questions
2012Family owned since a stand inside a Walmart in Saint Cloud
508Medicare plans we can compare for you across Florida
3Languages spoken in this office: English, Spanish and Arabic
$0What our help costs you. The carriers pay us
How it works

Three steps, and a real person on the phone.

No forms that go nowhere, no automated call center queue, no pressure to buy anything on the first call.

STEP 1

Tell us your situation

Four questions, about two minutes. What you need, whether anything has changed recently, and where you live.

STEP 2

We check your eligibility

A licensed agent reviews what you qualify for across every carrier we represent, based on your income, household and county. Not one company's plans. All of them.

STEP 3

You decide, we handle the paperwork

If something fits, we enroll you and stay your point of contact all year. If nothing fits, we tell you that too.

What we cover

Health insurance is all we do.

We are not a general agency selling you eight products. Four lines, and agents who do this every day.

Ages 65+

Medicare

Advantage, Supplement and Part D. If you are turning 65 or drowning in mail from companies you have never heard of, start here.

  • One-on-one plan comparison
  • Keep your doctors and prescriptions in mind
  • Year-round support, not just in the fall
Check my Medicare options →
Medicare enrollment guidance follows CMS requirements. Full disclaimer in the footer.
Individuals & families

ACA / Marketplace

Self-employed, working without benefits, or income that moves month to month. Most people never check what help they qualify for.

  • Subsidy eligibility checked properly
  • Households can qualify differently than you think
  • Special Enrollment windows run all year
See what I qualify for →
Already know what you want? Enroll directly through our Marketplace portal in English or Spanish.
Between plans

Short-term coverage

Left a job, waiting for benefits to start, retired early, or just aged off a parent's plan. Cover the gap instead of going without.

  • Flexible terms, typically up to 12 months
  • Can often start quickly
  • Straight answers about what it does and does not cover
Cover my gap →
Employers

Group health

Small and mid-sized Florida businesses. We compare options, handle employee enrollment, and stay on for the renewals.

  • Plan comparison across carriers
  • Employee enrollment managed for you
  • A local person, not a benefits portal
Talk about my business →
Saint Cloud, FloridaEst. 2012
Who you are calling

In 2012 this agency was a stand inside the Walmart in Saint Cloud. A few brochures, a phone, and Gaby Barakat stopping anyone who looked confused about their options.

His wife Helen was beside him at that stand, answering questions and helping with paperwork between school runs. Word spread. By 2014 they had rented an office in the heart of Saint Cloud, and their two children were pitching in after school and on weekends.

Fourteen years later it is still the same family, in the same town, with a door you can walk through. That is the part the national call centers cannot copy, and it is why people who have already been quoted by three strangers on the phone end up here.

No call centers

One licensed agent, who gives you their name and answers when you call back.

14 Medicare carriers

We are independent. We are not paid to steer you toward one company.

$0 to you

Carriers pay our commission. Our help costs you nothing, ever.

All year, not just the fall

Call us in April with a problem and you get the same person.

Three languages

English, Spanish and Arabic. Nobody else in this market offers all three.

A walk-in office

13th Street, Saint Cloud. Sit down across a desk if you would rather.

Carriers we compare

We shop the market. Not one company.

Because we are an independent brokerage, our job is to find which of these fits you, not to sell you a particular name. We represent 14 Medicare organisations offering 508 plans across Florida, plus the major Marketplace carriers.

Medicare

Humana / CarePlusFreedom / OptimumSimplyDevoted HealthWellcareDoctors HealthCareFlorida BlueGold Kidney HealthHealth FirstHealthSpringProminence HealthSolis Health PlansUltimate Health PlansAmeriHealth Caritas

ACA / Marketplace

AmbetterUnitedHealthcareCignaOscarWellpoint
Come see us

There is an actual office, with actual parking.

You are welcome to call. You are just as welcome to walk in and sit down with someone.

Saint Cloud office

Address2722 13th Street
Saint Cloud, FL 34769
LanguagesEnglish, Spanish and Arabic
Service areaSaint Cloud, Kissimmee, Cocoa, Orlando and across Florida

When we answer

Monday to Friday9:00 am – 5:00 pm
SaturdayClosed
SundayClosed
Form submitted after hoursCalled next morning

During Medicare Annual Enrollment, 15 October to 7 December, we are also open Saturday 9:00 am – 2:00 pm.

What clients say

Real reviews, from real clients.

Every one of these is a five star review left on Google.

★★★★★

“Olivia Barakat guided me through the process to obtain private insurance and then guided my husband and I through the process of Medicare and a supplement. Very knowledgeable and made it totally stress free!”

Julie HallGoogle review
★★★★★

“I spoke with Helen Barakat. I was rather frazzled before I came in as I couldn’t seem to make any decisions on my own this year. She settled me down, listened to me and helped me clarify my needs. They make it look easy!”

Sarah HendersonGoogle review
★★★★★

“When I broke my arm, she personally called my primary care physician, made sure my appointment happened, and followed up with me and my doctors every step of the way.”

Hala SaadeGoogle review
Straight answers

The questions people actually ask.

Ten minutes on the phone and you will know where you stand.

Whether you end up buying anything or not. There is no cost to find out, and no obligation.

Licensed local agents · Saint Cloud, Florida · Family owned since 2012
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