Meet Ricardo Lourenço

Licensed advisor at Your insurance experts

About Me

I have nearly 20 years of experience in the insurance industry and I’m passionate about helping families and individuals get the coverage they need. My journey began in 2007 and I developed a solid base of general insurance knowledge. I have been working in the Medicare space since 2019 and have helped seniors and their families navigate the complexities of Medicare Advantage, Supplement plans, and Part D prescription drug coverage. I feel that great service begins with clear communication. That's why I'm proud to be truly bilingual in both Spanish and Portuguese. I’m here to make sure you know every detail of your plan so that you can make informed decisions with confidence. Whether you want to discuss your options in English, Español or Português. My philosophy is a simple one, listen first, explain clearly and find the best solution for you, in your unique circumstances. I strive to provide personalized, compassionate service every step of the way.

Contact Details

(866) 756-1987

ricardo@yourinsuranceexperts.net

Spring Hill, FL

I'm licensed in these states:

FloridaMichiganOhioPennsylvaniaTexas

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I acknowledge that a licensed insurance agent may contact me by phone, email, or mail, to discuss Medicare health plan options, including Medicare Advantage and Medicare Supplement plans. I accept the terms of service and privacy policy. This is a solicitation for insurance. Your information will ONLY be sent to Ricardo Lourenço. No other insurance agents or agencies will receive this inquiry.

We do not offer every plan available in your area. For a complete list of available plans, please visit Medicare.gov, call 1-800-MEDICARE (TTY: 711), or contact your local State Health Insurance Program (SHIP).

Ricardo Lourenço represents Medicare Advantage [HMO, PPO, and PFFS] organizations [and stand-alone PDP prescription drug plans] that have a Medicare contract. Enrollment depends on the plan's contract renewal.

Plan availability and benefits vary by plan, carrier, and location. Not all plans offer the benefits mentioned. Limitations, exclusions, and eligibility requirements may apply. Allowance amounts cannot be combined with other benefit allowances. Additional restrictions may apply.

For [Humana], [UnitedHealthcare], [Devoted], [Healthspring], [Aetna], [Anthem Blue Cross and Blue Shield], [Anthem Blue Cross], [Healthy Blue], [WellPoint], [Simply], [Freedom Health], [Optimum HealthCare], [HealthSun] and [Wellcare] certain benefits (such as a grocery, healthy food, or flex allowance) may be offered as Special Supplemental Benefits for the Chronically Ill (SSBCI) and are only available with select plans and to individuals who meet specific eligibility requirements. Examples of qualifying conditions include diabetes, cardiovascular disorders, chronic lung disorders, chronic and disabling mental health conditions, or heart failure. This is not a complete list, and meeting one of these conditions does not guarantee receipt of the benefit. Other criteria and plan approval may apply. Availability and eligibility vary by plan and carrier.

If you are experiencing a qualifying life event, you may be eligible for a Special Enrollment Period (SEP). Speak with a licensed insurance agent for more information.

Ricardo Lourenço is not affiliated with or endorsed by any government agency or the Medicare program. It is a promotional service connecting individuals with independent licensed insurance agents.