We Look At What You Have Right Now
LYS Insurance Agency helps with we look at what you have right now in Florida. Every situation is reviewed against the plan documents themselves: ACA marketplace metal-tier plans, Medicare Supplement and Medicare Advantage options, and small-group coverage are explained in plain language before anything is recommended — the carrier and plan documents are the controlling text. Asking a question carries no obligation.
We start with what you already have
Before LYS Insurance Agency talks about anything new, we look at what you have right now. That is the whole idea behind this page. Many people in Florida come to Lourdes Hernandez carrying a Medicare plan, a health plan, a life policy or a supplemental policy they signed up for years ago and have never examined since. The coverage may still fit. It may not. You cannot know until someone reads the actual documents with you, line by line, and explains them in plain language. Lourdes Hernandez helps people in Florida, New Jersey and North Carolina understand Medicare, ACA health plans, life insurance and supplemental coverage, and that understanding always begins with a careful review of your current situation rather than a sales pitch.
Medicare, explained like a person is talking
That heading is not a gimmick. It is how Lourdes Hernandez works with every client. Insurance paperwork is written in a language most people were never taught, and Medicare materials can be especially dense. When we review what you have right now, we translate. We sit with your plan documents and explain what each section means for your actual life: which doctors you can see, what happens when you fill a prescription, and what you would owe if you needed care. No jargon unless you ask for it. No rushing. The goal of the review is that you finish the conversation able to describe your own coverage in your own words, because a plan you do not understand is a plan you cannot really use.
What a review of your current coverage involves
The process is simple and conversational. You bring whatever you have: a Medicare card, a plan summary, a policy from an employer, a life insurance contract, or even just a folder of mail you never opened. Lourdes Hernandez goes through it with you and identifies what kind of coverage it is, what it covers, what it leaves out, and when your chances to make changes arrive. For Medicare plans, that usually means talking about the annual window when you can switch. For ACA and health plans, it means checking whether your current plan still matches your situation. For life insurance and supplemental coverage, it means confirming who is covered, for how much, and under what conditions. Nothing is assumed and nothing is skipped.
Why the plan you chose years ago may not fit today
Life moves and plans do not always move with it. A Medicare plan that suited you when you enrolled may no longer match the doctors you see now or the prescriptions you take. An ACA health plan built around an old income or an old household may need adjusting. A supplemental policy bought long ago may duplicate something you already have, or leave a gap you never noticed. This is why LYS Insurance Agency treats the annual plan review as a core service rather than an afterthought. Looking at what you have right now, in the present tense, is the only honest way to know whether your coverage still serves you or whether it is quietly costing you more than it should.
The services we cover during a review
LYS Insurance Agency works across Medicare plans, ACA and health plans, life insurance, supplemental coverage, senior education and annual plan review. During a review of what you have right now, any of these can come to the table. A client might arrive with a Medicare question and leave also understanding how a supplemental policy interacts with it. Another might want their health plan checked and discover their life insurance beneficiary information needs attention. Senior education is woven through all of it: Lourdes Hernandez explains how the pieces fit together, not just what each piece does in isolation. The review is not limited to a single product category, because your real coverage rarely lives in a single category either.
How to prepare before your review
You do not need to organize anything perfectly before contacting us, but a little preparation makes the conversation faster and more useful. Gather whatever proof of coverage you can find: plan documents, ID cards, summary letters from your insurer, and any recent notices about changes. Write down the medications you take and the doctors you see, since those details shape whether a Medicare or health plan still fits. Note any life changes on the horizon, such as a move within Florida, New Jersey or North Carolina, or a change in household or income. If you have questions you have always been embarrassed to ask, write those down too. Lourdes Hernandez has heard them all, and no question is too basic.
What you should expect from the conversation
Why an annual plan review matters
Coverage is not something you set and forget. Insurers adjust their plans, networks change, and your own health and circumstances shift over time. The annual plan review exists precisely because of this. Sitting down with LYS Insurance Agency each year to look at what you have right now means small problems get caught while they are still small: a doctor leaving a network, a prescription moving to a higher cost tier, a supplemental policy that no longer matches your needs. For Medicare plans in particular, the annual window to make changes is limited, so reviewing before it arrives keeps your choices open. Skipping the review does not keep things stable. It just means any changes happen without you noticing until it matters.
Who Lourdes Hernandez serves
How to reach LYS Insurance Agency
Getting started is straightforward. Reach out to LYS Insurance Agency and ask for a review of your current coverage. Mention what you have: a Medicare plan, an ACA or health plan, life insurance, supplemental coverage, or a mix you are not sure how to describe. Lourdes Hernandez will set a time to go through it with you, whether that means gathering your documents for a scheduled conversation or answering questions as they come up. There is no pressure and no obligation to change anything; the purpose of the review is understanding. If you are in Florida, New Jersey or North Carolina and you have coverage you have never fully examined, this is the place to start. Bring what you have, and we will look at it together.
More from LYS Insurance Agency
Related pages
Sources and further reading on insurance
These are public reference documents that a reader may want to check alongside this page. They are listed for background reading only: LYS Insurance Agency is not affiliated with, endorsed by or acting on behalf of any of the organisations below.
- Florida Office of Insurance Regulation
- National Association of Insurance Commissioners
- Florida Department of Financial Services, Division of Consumer Services
Frequently asked questions
What does LYS Insurance Agency do for Medicare plans?
LYS Insurance Agency works with customers in Florida across Medicare plans, ACA and health plans, Life insurance, Supplemental coverage. Each person's situation is reviewed on its own merits against the plan documents, and the options are explained before anything is recommended.
How much does Medicare plans cost in Florida?
What we look at what you have right now costs depends on the plan documents themselves — the benefit schedule and the terms each plan sets. LYS Insurance Agency walks through the documents with you so the answer comes from the plan rather than from a guess.
How do I contact LYS Insurance Agency?
Use the contact details on this site. Messages reach LYS Insurance Agency directly, and the reply explains the options in plain language with no obligation to enrol.
What should I have ready before asking LYS Insurance Agency about we look at what you have right now?
Have the practical details ready: who the coverage is for, what you want it to provide, and any documents you already hold. LYS Insurance Agency asks for what it needs to match you to the right plan documents, and the review happens before any recommendation is made.
How does LYS Insurance Agency decide which plan fits?
LYS Insurance Agency reviews your situation against the plan documents rather than a one-size answer: what the plan covers, what its terms say, and whether that matches what you asked for. The comparison is explained openly so you can decide for yourself.