There is no cost to you for my consultation, enrollment assistance, or ongoing support. As a licensed agent, I am compensated by the insurance carriers.

Importantly, your monthly premiums are the same whether you work with me or go directly to the insurance company. My goal is to find the plan that best fits your specific health needs and budget. Because I am here for the long term—including helping you review your plan every year—my success depends on your satisfaction with the coverage you choose.

As an independent agent, I’m not an employee of any single insurance company. This allows me to research options across multiple highly-rated carriers to find the coverage that best aligns with your health priorities, preferred doctors, and budget.

When you work with me, you get a personalized comparison focused on your specific situation. Beyond enrollment, I serve as your personal advocate throughout the year—if you have a billing question or need help understanding a benefit, you call my direct line, not a corporate call center.

Yes! I specialize in helping individuals turning 65 or those with qualifying disabilities navigate their options, including Medicare Advantage, Part D prescription drug coverage, and Medigap (Supplement) plans.

Whether you are brand new to Medicare, approaching the Annual Enrollment Period, or looking to review your Supplement options during the year, I can walk you through the pros and cons of each choice. I am a licensed agent and can assist you with the entire enrollment process once we find the right fit.

Disclaimer: We do not offer every plan available in your area. Currently, we represent 5 organizations which offer 55 products in the Gainesville, FL area. Please contact Medicare.gov, 1‑800‑MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Note: Actual number of plans may vary depending on your zip code.

When you contact me, I’ll listen to your situation, ask about your health needs and budget, and explain the options available to you. If you find a plan that fits, I can help you complete the enrollment process from start to finish.

Then, you decide what makes sense. I’m here to educate and guide, not to pressure. Most initial conversations take 15-30 minutes.

A note on compliance: Federal rules require me to obtain a Scope of Appointment (SOA) at least 48 hours before we discuss specific Medicare Advantage or Part D plans. This is a simple form that protects you by ensuring we only discuss the topics you've approved. We can complete this electronically in seconds during our first introductory call.

Yes. I am a Licensed Insurance Agent in Florida (License #W960118) and Georgia (License #3760385).

I am the Principal Agent and owner of CHL Insurance Solutions, LLC, a local independent agency licensed in Florida (#L131407) and Georgia (#241106). As a local agent, I specialize in helping residents in both states explore and enroll in coverage options that specifically fit their regional networks and needs.

Collaborative, honest, and straightforward. I see my role as an educator first. I’m here to guide the process, bring clear options to the table, and handle the heavy lifting of enrollment so you don’t have to. You can expect proactive communication and a pressure-free environment where you are always the one in the driver's seat.

To ensure I can give you the most accurate comparison of plans, please have the following information available:

• Your Medicare Card (if applicable): I will need the information from your red, white, and blue card (if you have already received it) to verify your Part A and Part B effective dates.

• Prescription Medications: A list of your current medications, including the exact dosages and how often you take them. This allows me to check each plan's "formulary" for the lowest costs.

• Healthcare Providers: The names and addresses of your primary care doctor and any specialists you see regularly so we can verify they are in-network.

• Current Coverage: A copy of your current insurance card if you are currently enrolled in a plan you'd like to compare.

• Your "Must-Haves": A list of any specific benefits that are important to you, such as dental care, vision, or gym memberships.

To help me find the right coverage and most accurate rate for your goals, please have the following information ready:

• Financial Objectives: A general idea of what you want the policy to cover (e.g., replacing income, paying off a mortgage, or covering final expenses).

• Existing Policy Details: Information on any current life insurance policies you have, including the type (Term, Whole Life, etc.), the benefit amount, and the monthly premium.

• Health and Medical History: A summary of any major health events or surgeries in the last 5 years, as well as your family’s history of heart disease, cancer, or diabetes.

• Prescription List: The names and dosages of any medications you are currently taking, as these are a key factor in determining your "rating" and premium.

• Primary Care Physician: The name and contact info for your doctor, along with the date of your last routine check-up.

• Beneficiary Information: The full names, dates of birth, and Social Security numbers of the people you want to name as beneficiaries.

• Lifestyle and Hobbies: Be prepared to discuss any high-risk hobbies (like private piloting or scuba diving) and your tobacco or nicotine use history.