Arama Martinez
Confused About Medicare? Let’s Break It Down.
Helping Individuals in Vero, Sebastian and Palm Beach choose the right coverage for Medicare Supplement and Long Term Care.
My Services
Welcome to Insure with Arama – Your Trusted Medicare & Long Term Care Resource
Hi, I’m Arama Martinez NSSA®, a licensed insurance broker helping folks in Vero Beach and Sebastian. Whether you're comparing Medicare plans or researching Long Term Care, I can help.
As a local Floridian, I have a good understanding of the medical landscape here in Indian River County and can help you with questions you may have.
Medicare — A good insurance agent should simplify the Medicare enrollment process, not confuse you with jargon.
The right insurance agent, can assist with signing up for Medicare and explain the differences between each of your options.
When you approach age 65, you may have several options to consider—like staying on an employer plan, using retiree benefits, COBRA coverage, or choosing from Individual Medicare options.
Each path has pros and cons, and the wrong choice could mean missing out on important benefits—like whether you can keep contributing to your HSA.
I can explain your Medicare choices in a simplified way, without any jargon. Just clear answers that can help you choose best.
Medicare only pays for long-term care, if you require skilled services or rehabilitative care.
Medicare does not pay for non-skilled assistance with Activities of Daily Living. Activities of Daily Living (ADLs) are fundamental self-care tasks that individuals typically perform independently, like bathing and dressing.
With newer hybrid policies, you may assign a beneficiary in case you don't use your benefit. This means if you don't use it, you DON'T lose it.
You Don’t Need to Navigate This Alone.
Feeling Overwhelmed by Retirement and Medicare Decisions? You’re Not Alone.
Are you tired of constant phone calls from overseas call centers — people who don’t understand your local doctors, hospitals, or real concerns?
Are you wondering:
❓ Will I have enough income to retire comfortably?
❓ What if I choose the wrong Medicare plan or miss a critical deadline?
❓ How do RMDs, IRMAA surcharges, and late penalties really affect me?
The truth is — one wrong decision in retirement could cost you thousands of dollars over your lifetime.
And no, Google searches or CHATGPT aren’t ENOUGH to give you the clear answers you deserve.
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Request a no-cost consultation with a licensed insurance professional.
MEDICARE 101
Click below to view the basics about Medicare Planning.
why Work With Me?
Because figuring out your health insurance shouldn’t feel like learning a new language. Most people I talk to just want someone who’ll explain things clearly, help them avoid mistakes, and actually listen to what they need—not push a plan that doesn’t fit. You’re not looking for a sales pitch. You just want to understand your options, ask a few honest questions, and feel like someone’s actually listening.
I have helped folks all over Florida—from Vero and Sebastian to Orlando, Boca Raton, Ft. Lauderdale, Palm Bay, and a bunch of towns in between.
Let’s talk it through!
QUESTIONS?
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