Eliana Cerón, Licensed Health and Life Insurance Agent

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Eliana Cerón, Licensed Health and Life Insurance Agent Licensed Life & Health Insurance Agent | Ceron Insurance LLC. Independent agent representing multiple carriers.

Helping individuals and families with Medicare, health insurance, life insurance, final expense, and annuities.

Medicare 101: Understanding Part B Giveback Benefits 💡​When exploring Medicare Advantage plans, you might hear about the...
02/11/2026

Medicare 101: Understanding Part B Giveback Benefits 💡
​When exploring Medicare Advantage plans, you might hear about the "Part B Giveback" benefit.
But how does it actually work?
​Here is what you need to know:
​What it is: Some Medicare Advantage plans offer a reduction (or "giveback") on the standard Part B monthly premium, which can help lower your out-of-pocket healthcare costs.
​It’s not one-size-fits-all: Availability depends entirely on your specific ZIP code, county, and the private plan carrier you select.
​Location & Eligibility matter: Not every plan offers this feature, and qualification rules apply based on how your Part B premium is paid (such as through Social Security).

​The Big Picture: While a premium reduction is a great perk, the right plan should always match your complete health needs—including your primary doctors, specialists, and prescription medications.
​Navigating your options can be confusing, but you don't have to do it alone. Let’s review what is available in your area for this year!

​📞 Call us today at 321-439-2621 or visit us to explore your choices.
​Disclaimer: We do not offer every plan available in your area.

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UNDERSTANDING YOUR CHOICES: ORIGINAL MEDICARE VS. MEDICARE ADVANTAGE ⚖️🏥​When it comes to Medicare, one size doesn't fit...
01/11/2026

UNDERSTANDING YOUR CHOICES: ORIGINAL MEDICARE VS. MEDICARE ADVANTAGE ⚖️🏥
​When it comes to Medicare, one size doesn't fit all. Do you know the core differences between Original Medicare and a Medicare Advantage plan?
​Original Medicare (Parts A & B): Covers inpatient hospital stays, doctor visits, and medical services, usually managed directly through the federal government.
​Medicare Advantage (Part C): Offered by private insurance companies approved by Medicare, bundling your hospital, medical, and often prescription drug coverage into a single plan—frequently with extra benefits like dental, vision, and wellness programs.
​Choosing the right path depends entirely on your unique health needs and budget. As an independent licensed advisor, I am here to help you navigate your options clearly and transparently.
​Let’s find the right fit for you!
​📞 Eliana Ceron - Licensed Health & Life Insurance Agent
📱 321-439-2621
✉️ [email protected]

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TIME FOR A MEDICARE ANNUAL REVIEW? 📋✨​Did you know that Medicare plans, prescription drug lists, and provider networks c...
31/10/2026

TIME FOR A MEDICARE ANNUAL REVIEW? 📋✨
​Did you know that Medicare plans, prescription drug lists, and provider networks can change every year? What worked for you this year might have different costs or coverage rules for the next.
​Taking the time for an annual review of your benefits ensures that your health plan continues to align perfectly with your medical needs and budget. As an independent licensed advisor, I am here to help you evaluate your choices clearly and without pressure.
​Let’s review your options together!
​📞 Eliana Ceron - Licensed Health & Life Insurance Agent
📱 321-439-2621
✉️ [email protected]

​

MEDICARE FRAUD & SCAM PROTECTION 🛡️​Your Medicare benefits are valuable. Protect your personal information and stay info...
30/10/2026

MEDICARE FRAUD & SCAM PROTECTION 🛡️
​Your Medicare benefits are valuable. Protect your personal information and stay informed against common scams with these essential tips:
​Your number is personal: Never share your Medicare number or Social Security number with unverified callers.
​Beware of unsolicited calls: Medicare will never call you unexpectedly asking for personal or financial details.
​Report suspicious activity: Keep a close eye on your statements and report any unfamiliar charges immediately.
​Educate yourself: Stay informed and always consult with a trusted, licensed professional if you have doubts about your coverage.
​Have questions about your coverage or need guidance you can trust? Let’s talk!
​📞 Eliana Ceron - Licensed Health & Life Insurance Agent
📱 321-439-2621
✉️ [email protected]

​

💊Are Your Prescription Drugs Covered for Next Year?​One of the most common surprises people face after enrollment is fin...
28/10/2026

💊Are Your Prescription Drugs Covered for Next Year?
​One of the most common surprises people face after enrollment is finding out that their prescription drug tier, copays, or formulary has changed for the new year.
​Whether you have a standalone Medicare Part D plan or a Medicare Advantage plan that includes drug coverage, reviewing your prescriptions annually is essential to avoid unexpected out-of-pocket costs at the pharmacy counter.
​Why Review Your Part D Coverage Every Year?
• Formulary Changes: Drugs can change tiers or require prior authorization.
• Preferred Pharmacies: Your local pharmacy might shift in or out of your plan’s preferred network.
• Cost Adjustments: Premiums and deductibles fluctuate annually.
​💡 Let’s run a quick, complimentary prescription check together to ensure your medications are covered at the lowest possible cost!
​📞 Call or text me today for your free, no-obligation review:
👤 Eliana Ceron | Licensed Health and Life Insurance Advisor
📲 Call / Text: 321.439.2621
✉️ Email: [email protected]

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💫Guidance today. Confidence for tomorrow.
27/10/2026

💫Guidance today. Confidence for tomorrow.

What is a Medicare Supplement (Medigap) Plan?​If you are looking for predictable healthcare costs and the freedom to see...
27/10/2026

What is a Medicare Supplement (Medigap) Plan?
​If you are looking for predictable healthcare costs and the freedom to see any doctor nationwide, a Medicare Supplement plan might be the right choice for you during this enrollment period.
​Unlike Medicare Advantage, Medigap plans work alongside your Original Medicare (Parts A and B) to help pay for the "gaps" that Medicare doesn't cover, such as copays, coinsurance, and deductibles.
​Key Highlights of Medicare Supplement Plans:
• Nationwide Freedom: See any doctor or specialist in the U.S. who accepts Medicare—no referral needed!
• Predictable Costs: Helps cover your out-of-pocket medical expenses, making budgeting easier.
• No Network Restrictions: You aren't tied to a specific HMO or PPO network.
• Guaranteed Renewable: Your coverage cannot be dropped as long as you pay your monthly premium.
​💡 I can help you compare Medigap plans side-by-side to find the option that best fits your healthcare needs and budget.
​📞 Call or text me today for your free, no-obligation review:
👤 Eliana Ceron | Licensed Health and Life Insurance advisor.
📲 Call / Text: 321.439.2621
✉️ Email: [email protected]

​

📊 Understanding Your Medicare Options: Medicare Advantage vs. Medigap​Choosing the right Medicare coverage path is one o...
26/10/2026

📊 Understanding Your Medicare Options: Medicare Advantage vs. Medigap
​Choosing the right Medicare coverage path is one of the most important healthcare decisions you’ll make. Both Medicare Advantage (Part C) and Medicare Supplement (Medigap) plans offer great coverage, but they work in completely different ways:
​🟦 Medicare Advantage (Part C):
• All-in-one plans that bundle Parts A, B, and usually Part D (prescriptions)
• Often features lower monthly premiums
• Uses specific provider networks (HMO/PPO)
• Often includes extra benefits like vision, dental, and hearing
​🟧 Medicare Supplement (Medigap):
• Works alongside Original Medicare to help pay remaining out-of-pocket costs
• Higher, predictable monthly premiums with low or no copays at the doctor
• Freedom to see any doctor or specialist nationwide who accepts Medicare
• Requires a separate Part D plan for prescription drug coverage
​💡 Not sure which path fits your lifestyle and budget best? Let’s review your options together—100% complimentary with zero obligation!
​📞 Call or text me today to schedule your free review:
👤 Eliana Ceron | Licensed Local Health Insurance Agent
📲 Call / Text: 321.439.2621
✉️ Email: [email protected]

​

Did you know your Original Medicare card has coverage "gaps"?​The red, white, and blue Medicare card is a great foundati...
25/10/2026

Did you know your Original Medicare card has coverage "gaps"?
​The red, white, and blue Medicare card is a great foundation, providing Part A (Hospital Insurance) and Part B (Medical Insurance). However, it is important to know that it typically does not cover:
​🦷 Routine dental care
👓 Routine vision exams and glasses
👂 Hearing aids
💊 Most prescription drugs
​As your local licensed agent, I can help you understand how Medicare Advantage (Part C) or Medicare Supplement plans can help fill those gaps.
​💡 Plan reviews are always 100% complimentary with zero obligation to enroll.
​📞 Call or text me today for a free review:
👤 Eliana Ceron | Licensed Local Health Insurance Agent
📲 Call / Text: 321.439.2621
✉️ Email: [email protected]

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Comparing Medicare Plans Doesn't Have to Be Overwhelming! 📊🤝​With so many options available for 2027, finding the right ...
24/10/2026

Comparing Medicare Plans Doesn't Have to Be Overwhelming! 📊🤝
​With so many options available for 2027, finding the right Medicare Advantage or Prescription Drug plan can feel confusing. That's where having a trusted local licensed agent makes all the difference!

​As your local agent, I offer a clear, step-by-step comparison tailored specifically to your needs:
​✅ Doctor & Network Check: Making sure your preferred doctors and specialists remain in-network.
✅ Prescription Review: Verifying that your medications are covered at the lowest possible out-of-pocket cost.
✅ Side-by-Side Benefits Comparison: Looking at dental, vision, hearing, and extra benefits across available plans.

​💡 My guidance and plan reviews are always 100% complimentary with zero obligation to enroll.
​Let’s simplify your Medicare options together!
​📞 Call or text me today to schedule your free review:
👤 Eliana Ceron | Licensed Health Insurance Agent
📲 Call / Text: 321.439.2621
✉️ Email: [email protected]

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Address


32828

Opening Hours

Monday 09:00 - 17:00
Tuesday 09:00 - 17:00
Wednesday 09:00 - 17:00
Thursday 09:00 - 17:00
Friday 09:00 - 17:00
Saturday 09:00 - 17:00
Sunday 09:00 - 17:00

Telephone

(407) 718-7332

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