Premium Health Insurance Agency in Florida

TuSeguroMedico.com is a premium health insurance agency in Florida. The word premium describes the standard of our work, not its cost: our advice is provided at no charge to the client, because the insurance carriers compensate the agency for every enrollment and for the service that follows it. What distinguishes a premium agency is the knowledge and experience of its advisors, the diligence of their process and the composition of their team. Those three qualities define how we work.

The agency was founded in 2019 by Juan Ignacio Baldrich, who has held a Florida insurance license since the year 2010. We are headquartered at 6625 Miami Lakes Dr., Suite 339, Miami Lakes, Florida 33014 and we hold insurance licenses in thirteen states: Florida, Texas, Georgia, Illinois, Pennsylvania, North Carolina, South Carolina, Tennessee, Kansas, Nebraska, Mississippi, Delaware and Utah. Clients in every licensed state are served by telephone, WhatsApp and video call; clients in South Florida may also visit our office. Our clients have published 272 reviews on our Google Business Profile, verified by Trustindex.

Knowledge

Our advisors understand health plans from the inside. Before founding the agency, Juan Ignacio Baldrich served as Chief Provider Strategist at Aetna, where his work covered provider networks, Medicare Advantage strategy and Marketplace health plans. Earlier, he practiced as an Investment Adviser Representative in Florida under a fiduciary standard. That background determines how we evaluate a plan: by its provider network, its drug formulary, its cost-sharing structure and its maximum out-of-pocket limit, never by its premium alone. We follow every regulatory change issued by the Centers for Medicare & Medicaid Services, HealthCare.gov and the Florida Office of Insurance Regulation and we inform our clients of the changes that affect their coverage.

Experience

The agency’s leadership brings more than fifteen years in health insurance and financial planning and more than ten years in Medicare Advantage at national agencies. The Health Insurance Marketplace recognized TuSeguroMedico.com as Elite Plus in its Circle of Champions for 2022 and 2023, the program’s highest level, which the Centers for Medicare & Medicaid Services reserves for agents and brokers who complete 500 or more active enrollments during Open Enrollment and as a member of the Circle of Champions for 2024. Thousands of policies have been placed through this agency since 2019.

Diligence

We verify before we recommend. Before any enrollment, we confirm that the client’s physicians, hospitals and medications are covered by the plan, we document the household income projection that determines the premium tax credit and we explain the total cost of the plan rather than its premium alone. After enrollment, we handle renewals, income updates, billing disputes, claims questions and appeals of denied services. Client calls are reviewed periodically under our internal quality control program. The agency is accredited by the Better Business Bureau, which requires adherence to the BBB Standards for Trust.

A multidisciplinary leadership

• Juan Ignacio Baldrich is the founder and CEO of the agency. He has been a licensed insurance agent since 2010 and holds Florida license 2-15 P230623 and NPN 15714451, together with licenses in twelve additional states. He is a former Chief Provider Strategist at Aetna and a former Investment Adviser Representative in Florida, with more than fifteen years advising families and businesses on health, Medicare and life insurance. His full biography is published at juanbaldrich.com.
• Mauricio Acosta is the agency’s Medicare Plans Specialist and is responsible for agent training. He holds Florida license 2-15 W240672 and NPN 17494998, and he brings more than ten years of experience in Medicare Advantage as an advisor, team leader and executive at national agencies.
• Chamile Rosa is a Licensed Insurance Advisor with the agency. She holds Florida license 2-15 W492095 and NPN 10307939.

Our advisors are agency members, not independent agents operating under its name and they receive ongoing training. Every license is a matter of public record and can be confirmed through the Florida Department of Financial Services licensee search and the National Insurance Producer Registry (NIPR). Our article on how to choose a health insurance agency in Florida includes a step-by-step guide to that verification.

Our Services

1. Obamacare (ACA Marketplace) health insurance. We compare the Marketplace plans available in the client’s county, calculate the premium tax credit from the household’s projected income, verify the provider network and complete the enrollment, during Open Enrollment or through a Special Enrollment Period when a qualifying life event applies. Our Obamacare health insurance page describes this service in detail.
2. Medicare Advantage plans. For clients enrolled in Medicare Part A and Part B, we compare HMO and PPO Medicare Advantage plans, Dual Eligible Special Needs Plans (D-SNP) and Chronic Condition Special Needs Plans (C-SNP), reviewing the premium, the copays, the maximum out-of-pocket limit, the drug formulary and the provider network. We assist clients who are turning 65 and clients who qualify for Extra Help and the Medicare Savings Programs (QMB, SLMB, QI and QDWI). Our Medicare Advantage page describes this service in detail.
3. Private health insurance. For clients who do not qualify for a premium tax credit, who need coverage outside Open Enrollment, or who hold a temporary visa or study in the United States, we review private health plans, short-term medical plans, fixed indemnity plans and supplemental products, including the Allstate Health Solutions portfolio and, for Texas residents, Presidio Health Insurance. We explain what each product covers and excludes before the client decides. Our private health insurance page describes this service in detail.
4. Life insurance. We analyze the client’s family situation, income, debts, mortgage, dependents and business interests before recommending term, whole, universal or variable life coverage, including buy-sell funding and key-person coverage for business owners. Our life insurance page describes this service in detail.
5. Dental insurance. We compare PPO and DHMO dental plans, waiting periods, annual maximums and copay or reimbursement designs for adults and families who need dental coverage separate from their health plan. Our dental insurance page describes this service in detail.
6. MyACCESS Florida guidance. As a registered community partner of the Florida Department of Children and Families (DCF) in its ESS Partner Network, we help Florida residents apply for and renew Medicaid, SNAP and Temporary Cash Assistance (TCA) through the MyACCESS Florida portal, at no cost and with no purchase required. Our MyACCESS Florida page describes this service in detail.
7. Free community services. Open to the general public: education on deductibles, copays, coinsurance and the maximum out-of-pocket limit; help finding in-network providers and understanding referrals and prior authorizations; review of medical bills and Explanations of Benefits; guidance on hospital financial assistance and coverage transitions; and referrals to community resources, including DCF programs and Hope Florida: A Pathway to Prosperity. Our free community services page describes this service in detail.