LYS Insurance Agency LLC Medicare Solutions
✦ Licensed Health & Life Specialist

Medicare Solutions
With Heart

Personal Medicare and health insurance guidance for families across Florida, New Jersey, and North Carolina — with clarity, care, and no-pressure support.

🌴 Florida 🗽 New Jersey 🏔 North Carolina
📋 Request Guidance Meet Lourdes
Lourdes Hernandez

Lourdes Hernandez

Licensed Health & Life Insurance Specialist

"I help individuals across Florida, New Jersey, and North Carolina secure the exact coverage they need to protect their health and financial future."

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Florida · New Jersey · North Carolina

What I Offer

Coverage That Fits Your Life

From Medicare to ACA marketplace plans, I translate complex insurance into clear, personalized solutions — so you're protected without the confusion.

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Medicare Plans

Medicare Advantage, Supplement (Medigap), and Part D drug plans — explained clearly so you choose with confidence, no guesswork.

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ACA / Health Plans

Affordable Care Act marketplace plans for individuals and families. I find the right balance of premium, deductible, and coverage for your situation.

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Life Insurance

Term and permanent life policies designed to protect your loved ones and secure your family's financial future — at every stage of life.

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Supplemental Coverage

MASA medical transport, hospital indemnity, accident, and critical illness policies that fill the gaps your primary plan leaves behind.

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Senior Education

I'm passionate about empowering seniors to understand their options. No pressure — just clear education so you make the best choice for your needs.

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Annual Plan Review

Your needs change. I review your coverage every year to make sure your plan still fits — and switch you to a better option when it makes sense.

About Lourdes

Insurance with a Human Touch

I chose this career out of a passion for educating our senior population — helping them confidently navigate complex policy options. I take the guesswork out of insurance by translating confusing terms into clear, personalized plans that protect your well-being and your loved ones.

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Licensed in Multiple States

Fully licensed to serve clients across Florida, New Jersey, and North Carolina — wherever you are.

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Senior-Focused Expertise

Deep experience in Medicare and retirement-age coverage — I speak your language and I'm always in your corner.

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No-Pressure Consultation

Education first, always. I help you understand your options and make the choice that's truly right for you.

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Ongoing Support

I don't disappear after enrollment. I'm here year-round to answer questions, handle changes, and review your coverage.

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States Served

100%

No-Cost Consults

Free

Annual Reviews

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Ongoing Support

"Let's connect to build a secure safety net tailored entirely to you."

— Lourdes Hernandez

Licensed Coverage Area

Where I Serve You

No matter which of these three states you call home, I'm licensed, local-knowledgeable, and ready to help.

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Florida

Serving Florida residents across all counties with Medicare Advantage, ACA marketplace plans, and life insurance options tailored for the Sunshine State.

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New Jersey

Expert guidance for New Jersey residents navigating health and life coverage options — from individual plans to senior Medicare solutions.

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North Carolina

Helping North Carolina families and seniors find coverage that fits their health needs and budget — clear, honest, and always on your side.

Let's Connect

Ready to Secure Your Coverage?

A free consultation costs nothing — but the right plan protects everything. Reach out today and let's build your safety net together.

📞 Call (551) 223-3854 ✉️ Send an Email
📞 (551) 223-3854
✉️ lourdes.h@xactinsure.net