Medicare
Turning 65, already enrolled, or unsure which plan actually fits your doctors and budget.
- Advantage vs. Supplement, explained plainly
- Your doctors and prescriptions checked first
- Dental, vision, and hearing gaps covered
400+ clients helped · Independent agent
Health coverage that fits your life — not just whatever's on the shelf
Johens Ubiera helps individuals, families, and employers find the right plan at the right price — without the confusion, the pressure, or the runaround.
No cost. No obligation. Free consultations for all three coverage types.
Three ways I can help
Tell us where you are — we'll show you exactly where to go.
Every path starts with the same thing: a free conversation about your doctors, your prescriptions, and your budget.
Individual & family
ACA marketplace plans for individuals, families, and those who don't qualify for Medicare yet.
- Subsidy eligibility checked, not guessed
- Real deductible math before you enroll
- Coverage that follows a job change
ICHRA for employers
Offer real health benefits to your team without the cost and complexity of a group plan.
- You set the budget — it doesn't move
- Employees choose their own plan
- No group renewal surprises
400+Clients helped
11States licensed
5.0Google rating
FreeAll consultations
NPN #9608576 · Independent, not captive
Why Johens
You get a real person — not a call center
Johens reviews your specific doctors, prescriptions, and budget personally. Every follow-up comes from him directly — not an automated system, not an offshore team.
"I'd rather spend forty minutes making sure you understand your plan than four minutes signing you up for the wrong one."
Medicare & ACA
ICHRA specialist
Bilingual EN/ES
Independent agent
What clients say
Real reviews from real people
5.0 Verified Google reviews
"Johens talked me through all of the options with a tremendous amount of patience. He held my hand through the entire process."
R
Rachel D.Google Review
"First year on Medicare and I was confused — until I met Johens. He eased my fears completely. I'll recommend him to everyone."
Z
Zee R.Google Review
"Joe has been the most pleasant agent I have ever dealt with. He even got back to me when he wasn't sure about something."
J
Jaynie W.Google Review
Licensed with 31 Medicare carriers
Independent means the whole shelf is on the table — not one carrier's catalog.
AetnaAlignment HealthAnthem BCBSAnthem HealthKeepersAstivaBanner MedicareBCBS ArizonaBCBS TexasCalOptimaCareFirst BCBSCignaDevotedDoctors HealthCare PlansFlorida BCBSFreedomOptimum
AetnaAlignment HealthAnthem BCBSAnthem HealthKeepersAstivaBanner MedicareBCBS ArizonaBCBS TexasCalOptimaCareFirst BCBSCignaDevotedDoctors HealthCare PlansFlorida BCBSFreedomOptimum
Geisinger GoldGold KidneyHealth SunHealth FirstHighmark BCBSMemorial HermannProvidence HealthSCANSimplySolisUltimate HealthUnited Health CareUPMC for LifeWellCareWellpoint
Geisinger GoldGold KidneyHealth SunHealth FirstHighmark BCBSMemorial HermannProvidence HealthSCANSimplySolisUltimate HealthUnited Health CareUPMC for LifeWellCareWellpoint
Ready to find your plan?
Start with a free 15-minute call. No scripts, no pressure — just answers specific to your situation.
Or call directly — (407) 978-3244 · Mon–Fri, 9am–6pm ET