Schedule a Meeting With Arama Martinez or Call 772-925-2833
Micco, Florida Office
8000 Ron Beatty Blvd b2, Micco, FL 32976
Office: 772-925-2833
Email: arama@insurewitharama.com
Port St Lucie Office
1775 Southwest Gatlin Boulevard, Port St Lucie, FL 34953
Office: 772-925-2833
Email: arama@insurewitharama.com
Greenacres Office
3080 S Jog Rd, Greenacres, FL 33467
Office: 772-925-2833
Email: arama@insurewitharama.com
Insure With Arama (Micco, Florida)
Your Trusted Medicare & Long-Term Care Resource
Welcome! I’m Arama Martinez, NSSA®—a licensed insurance broker serving Vero Beach, Sebastian, and all of Indian River County. Whether you’re evaluating Medicare options, exploring Medicare Supplement plans, or planning for Long-Term Care, I provide personalized guidance so you can make informed decisions with confidence.
As a local Floridian, I understand our community’s healthcare landscape and tailor solutions to your needs. My goal is to simplify the process, answer your questions, and help you secure the right coverage for your health and financial future.
Medicare Advantage (Part C)
Compare MA-PD plans with your doctors, hospitals, and travel in mind—so you get the network, extras, and costs that fit your life.
- HMO & PPO options explained
- Max out-of-pocket & extras (dental/vision/hearing)
- Enrollment windows and changes
Medicare Supplement (Medigap)
Simplify out-of-pocket costs with standardized plans (A–N) that work alongside Original Medicare—no networks, nationwide access.
- Open enrollment & underwriting timing
- Plan comparisons beyond the premium
- Travel & provider flexibility
Prescription Drug Coverage (Part D)
Align coverage with your current medications and preferred pharmacies—avoid surprises in tiers, prior auths, and annual changes.
- Formulary & tier analysis
- Preferred pharmacy pricing
- Late-penalty and IRMAA guidance
Long-Term Care Strategies
Protect assets and independence with traditional LTC, hybrid life/LTC, or annuity-based solutions matched to your goals and budget.
- Home care, assisted living, memory care
- Inflation protection & shared-care riders
- State-specific options
Social Security Timing (NSSA®)
Coordinate filing age, spousal/survivor benefits, and taxes to support a stronger retirement income plan.
- Early, FRA, and delayed strategies
- Spousal/divorced-spouse coordination
- Earnings test & tax planning
Financial & Insurance Services
Build a secure future with tailored strategies that integrate Medicare decisions with broader financial goals.
- Retirement income & RMD coordination
- Life insurance & annuity options
- IRMAA awareness & tax-smart planning
Not affiliated with or endorsed by the U.S. government or the federal Medicare program. Educational content only; not financial, tax, or legal advice.