What are some insurance companies you guys use for General
LYS Insurance Agency — Medicare, explained like a person is talking. Here is the short answer, and what the team puts in writing before any work starts.
Which insurance companies does LYS Insurance Agency work with?
People often ask Lourdes Hernandez at LYS Insurance Agency which insurance companies are behind the plans she offers. The honest answer is that she works with a range of carriers rather than a single company, because Medicare, ACA health plans, life insurance and supplemental coverage each draw on different carrier networks. The carriers available to you depend on where you live, since she serves clients across Florida, New Jersey and North Carolina, and each state has its own approved plans. Rather than naming companies on a web page, Lourdes prefers to review the carriers available in your specific county during a conversation, so the list you see matches the plans you can actually enroll in.
Why the carrier list depends on where you live
Insurance is regulated state by state, which means the companies offering Medicare or health plans in Florida are not always the same companies offering plans in New Jersey or North Carolina. Even within a state, plan availability can change from county to county. This is why LYS Insurance Agency does not publish a fixed list of carriers. When you reach out, Lourdes checks which companies are active in your area for the type of coverage you need, whether that is a Medicare plan, an ACA health plan, life insurance or supplemental coverage, and then walks you through the options from those carriers.
How Lourdes matches you with a carrier
What to prepare before asking about carriers and quotes
You do not need much to get started, but a little preparation makes the conversation faster. Have your zip code ready so Lourdes can confirm which carriers operate where you live. If you are looking at Medicare, know whether you are approaching eligibility or already enrolled. For ACA health plans, think about the doctors and medications you want covered. For life insurance, consider who you are protecting and what you want the policy to do. If you already have coverage, have that policy handy, because Lourdes also offers an annual plan review to check whether your current carrier is still the right fit.
What affects which plan and carrier make sense for you
Several things shape the recommendation Lourdes gives. Location matters most, since carrier availability changes across Florida, New Jersey and North Carolina. For Medicare plans, the doctors you see and the prescriptions you take influence which carrier networks work for you. For ACA and health plans, your household situation and coverage needs play a role. For life insurance and supplemental coverage, your goals and family circumstances matter. Price is part of the picture, but LYS Insurance Agency looks at the whole plan, including how a carrier handles claims and whether supplemental coverage is needed alongside the main policy.
What to expect when you contact LYS Insurance Agency
When you reach out, you will speak with Lourdes Hernandez directly, and the conversation is plain and unhurried. She explains Medicare the way a person talks, not the way a brochure reads, and she applies the same approach to ACA plans, life insurance and supplemental coverage. She will identify the carriers available in your area, compare their plans, and answer your questions without pressure. If you already have a policy, she can review it and tell you whether it still suits you. Senior education and annual plan reviews are part of her service, so the relationship continues after you enroll.
What LYS Insurance Agency does not do
Lourdes does not push a single carrier or make promises about outcomes she cannot control. She does not publish a static list of insurance companies, because carrier availability shifts by state, county and plan type, and a list that is accurate in Florida may be wrong in New Jersey or North Carolina. She does not charge for a conversation, and she does not enroll you in a plan that does not fit what you described. If a carrier or plan type falls outside what she offers, she will tell you plainly rather than stretch the truth to close a sale.
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Frequently asked questions
Which insurance companies does LYS Insurance Agency use?
Lourdes Hernandez works with a range of carriers rather than a single company, and the available carriers depend on whether you live in Florida, New Jersey or North Carolina. She reviews the companies active in your area during your conversation.
Can I get a list of carriers before I call?
A fixed list is not published because carrier availability changes by state and county. Contact Lourdes and she will identify which companies offer Medicare, ACA, life or supplemental plans where you live.
Does LYS Insurance Agency review my existing policy?
Yes, annual plan reviews are part of the service. Lourdes will look at your current coverage and tell you whether your carrier and plan still fit your needs.