Services

Health, Medicare & Life Insurance Services in Florida

At Insure With Mercy, I help families and seniors find reliable health insurance — specializing in ACA health plans, Medicare, and life insurance. My goal is to streamline the enrollment process, provide expert clarity, and ensure you feel secure in every insurance decision.

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Mercy Makarevich licensed Florida insurance broker

Building Trust With Insure With Mercy

We are committed to providing health insurance that safeguards your health, well-being, and financial future.

ACA health insurance Florida Marketplace plan comparison

ACA Health Insurance

Affordable Health Insurance Plans That Work For You. Explore comprehensive coverage and potential premium savings for eligible households.

What’s included

Why Choose Our Service:

  • Licensed Broker Support: Expert guidance from Mercy’s local Miami team.
  • Simplified Enrollment: A streamlined, stress-free enrollment process.
  • Quote Comparison: Review available South Florida carriers and plans side by side.

Policy Benefits Often Include:

  • Subsidized Marketplace Plans: Access Obamacare and financial assistance.
  • Preventive Care: Eligible in-network checkups and screenings may be covered without cost sharing.
  • Copay Structures: Compare plan-specific costs for services and prescriptions.
  • Provider Networks: Check current carrier directories before enrollment.

Review your educational FPL range

Confirm eligibility before enrollment

Check My 2027 Savings Range →
Learn More About ACA Plans
Florida Medicare Advantage Medigap and Part D plan comparison

Medicare Insurance

Compare and Simplify Your Medicare Selection Easily compare top Medicare Advantage, Medigap and Part D plans. Turning 65? Already enrolled? We make the comparison and enrollment process easier to understand.

What’s included

What We Offer:

  • Medicare Advantage (Part C) with Benefits
  • Medigap Supplements to Cover Out-of-Pocket Gaps
  • Prescription Drug Plans (Part D) to Lower RX Costs

Why Us?

  • Compare top Medicare plans in your specific zip code
  • Expert help with enrollment and plan changes
  • Local Miami support with nationwide carrier reach
  • Schedule a free, zero-pressure consultation

Schedule a free, zero-pressure consultation

Learn More About Medicare
Florida life insurance for term whole life and final expense protection

Life Insurance

Coverage That Protects What Matters Most. Help protect your family’s financial future, cover final expenses, or build cash value with a reliable life insurance policy tailored to your goals.

What’s included

Options We Offer:

  • Term Life Insurance: Affordable protection for families when they need it most.
  • Whole Life: Permanent coverage that builds long-term cash value over time.
  • Final Expense: Specialized plans to cover end-of-life costs for residents.
  • Simplified Issue: Some products may not require a traditional medical exam; eligibility, approval, and timing depend on carrier underwriting.

Why It Matters:

  • Provide a death benefit that is generally income-tax-free for beneficiaries
  • Create financial protection for your loved ones
  • Compare available premiums, policy terms, and underwriting requirements

The Insure With Mercy Promise:

Personalized life insurance comparisons, zero pressure

Learn More About Life Insurance
Florida supplemental indemnity insurance for hospital accident and critical illness cash benefits

Indemnity & Supplemental

Insurance Cash Benefits When You Need Them Most

Supplemental policies may pay fixed cash benefits for covered events, subject to the policy’s eligibility rules, limits, exclusions, and waiting periods.

What’s included

Coverage For Unexpected Costs:

  • Hospital Stays: Some policies include benefits for covered admissions or ICU care.
  • Accidents & Injuries: Accident policies may cover listed services and injuries.
  • Critical Illness: Eligible diagnoses may trigger a defined policy benefit.
  • Cancer Care: Certain policies include benefits for covered cancer treatment.
  • Disability: Separate disability policies may replace part of eligible income.

Why Add An Indemnity Plan?

  • May help with eligible costs not paid by major medical coverage.
  • Benefits are paid according to the selected policy’s terms.
  • Can complement major medical coverage when the policies are compatible.

Coverage note:

Compare benefit schedules, exclusions, limits, and waiting periods before applying.

Learn More About Supplemental Plans
Florida dental and vision insurance plans for families and seniors

Dental and Vision

Affordable Dental and Vision Coverage

Get dental and vision plans with preventive care designed for your family’s budget.

What’s included

Benefits Include:

  • Eligible cleanings, exams, and diagnostic X-rays
  • Plan-specific benefits for basic and major dental services
  • Vision options that may include exams, glasses, or contacts
  • Some plans offer discount programs for additional services

Why It’s Worth It:

  • Compare preventive and major-service benefit schedules
  • Check current participating provider networks
  • Review effective dates and waiting periods by plan

Before you enroll:

Confirm premiums, annual maximums, exclusions, and waiting periods.

Learn More About Dental & Vision
Private and short-term health insurance options for Florida coverage gaps

Private & Short-Term Health Insurance

Flexible temporary health coverage for freelancers and gap periods

What’s included

Ideal For:

  • Professionals or students waiting on employer benefits
  • Freelancers needing reliable private health insurance
  • Eligible temporary residents reviewing limited-duration coverage

Key Advantages:

  • Application and effective-date timing varies by carrier and applicant
  • Available deductibles and benefit levels vary by policy
  • Medical underwriting, exclusions, and coverage limits may apply
  • Short-term coverage is not ACA-compliant major medical insurance
Learn More About Short-Term Coverage
International medical and travel insurance for students travelers and expats

International Medical & Travel Insurance

Travel medical options for digital nomads, students, expatriates, and other eligible travelers. Benefits differ by policy, destination, trip length, residency, and visa requirements.

What’s included

Available Benefits May Include:

  • Emergency medical, evacuation, or repatriation benefits
  • Eligible inpatient or outpatient care within the policy network
  • Separate travel benefits for certain delays or baggage losses

Why Choose This:

  • Compare geographic coverage and current provider-assistance networks
  • Review claim procedures before traveling
  • Confirm the policy satisfies any applicable visa rules
  • Request available proof of coverage when required
Learn More About Travel Medical
Small business group health insurance and employee benefits in Florida

Small Business Group Health Insurance

Cost-effective employee benefits for growing teams Equip your staff with top-tier group medical insurance covering hospital visits, preventive screenings, and wellness programs, all designed to fit your local company's specific budget.

What’s included

Includes:

  • Full inpatient and outpatient medical coverage
  • Annual wellness exams and preventive screenings
  • Maternity and newborn healthcare services
  • Flexible dental and vision add-ons

Why Choose This:

  • Budget-friendly plans for teams of 2–50 employees
  • Tax-advantaged health benefits for business owners
  • Strengthen employee retention and workplace morale
  • Seamless digital claims through local South Florida networks
  • Build a custom plan with wellness tracks and extra coverage
Learn More About Group Health
Mercy with clients

Why Insure With Mercy

Why Partner With Insure With Mercy

Finding the right health insurance should be simple, not stressful. I provide a dedicated, client-first experience—listening to your specific goals, simplifying complex policy terms, and helping you select the most reliable local coverage with complete transparency.

  • National Producer Number: 8193581
  • Licensed in FL, TX, GA, NC, SC, AL, TN, AZ, OK
  • 20+ years of local industry expertise
  • Independent access to multiple represented carriers
  • Tailored health and Medicare guidance
Book a Free Consultation

FAQ

Health & Medicare FAQ

My goal is to make navigating your health insurance simple and stress-free. Below are professional answers to the local insurance questions I receive most often.

Which health and Medicare plans are available through Insure With Mercy?

I specialize in comprehensive health, life, and Medicare solutions. This includes ACA marketplace enrollment, Medicare Advantage (Part C), Medigap (Supplements), and Part D prescription plans—along with dental, vision, and supplemental coverage.

Can you help me with Medicare enrollment?

Yes. Whether you’re turning 65, retiring, or comparing insurance plans, I can help you review available Medicare options, provider access, prescriptions, benefits, and costs.

What is the cost for your professional insurance services?

There is no out-of-pocket fee for plan comparison and enrollment guidance. Insurance carriers may compensate the agency when a client enrolls; premiums and available plans are determined by the carrier and market.

Do you work with multiple insurance carriers?

I work with multiple insurance carriers. The carriers and plans available to compare depend on your state, county, eligibility, and the appointments I hold for that product.

Customer Reviews

See what our clients say about finding affordable health, Medicare, and life insurance plans with us.

How would you like us to help?

“She explained my options and process and then helped me navigate the selection and signup.”
SLSteve L.Medicare client

5.0 average from 175+ client reviews on Google. Reviews are shortened for length; individual experiences may vary. Write a review