Insurance advice that costs you nothing and pushes you nowhere.
We’re Jose & Marie, the husband-and-wife team behind J&M Benefit Solutions. As local, licensed brokers, we’re passionate about making Medicare and health/life insurance feel simpler and more personal. You can count on us to offer honest guidance, answer your questions, and be a resource throughout your entire Medicare journey – all at NO cost to you.
No cost. No obligation. No pressure. Licensed and appointed in Florida, Georgia, Oklahoma, Texas, and Michigan. Meet in person, by phone, or on video.
We go beyond enrollment.
Our support doesn’t end when you enroll. Some plans, benefits, prescriptions, provider networks—and your own needs—can change from year to year. We’re here to answer your questions, help you understand changes, and review your coverage with you along the way.
An independent comparison, not one carrier’s catalog
We are licensed and appointed with many different insurance companies. That means we shop the market on your behalf instead of defending a single product line.
Someone who answers after you enroll
Enrollment is just the beginning. We’re here year after year to answer your Medicare questions, help you understand plan changes, review your coverage, and be a familiar call when you need guidance.
Three ways to meet, whichever you prefer
Sit down face to face in Jacksonville, talk it through on the phone, or connect on video. The advice is identical either way.
Guidance at no additional cost to you
There’s no additional cost to work with us as your Medicare brokers. We’ll take the time to answer your questions, explain your options, and help you make an informed decision—with no pressure and no obligation to enroll.
Jose and Marie, in their own words
Why they built an independent brokerage, and what they mean when they say the relationship does not end at enrollment.
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Tailored insurance solutions for every stage of life.
Medicare Coverage
Navigating Medicare can be confusing. We make it simple. From Part A to Part D and everything in between, we help you find the right plan for your health and your budget.
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Health Insurance
Whether you are self employed, between jobs, or just exploring options, we guide you to health coverage that fits your lifestyle, needs, and budget.
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Life Insurance
Protect what matters most. We offer personalized life insurance solutions that provide peace of mind for you and financial security for your loved ones.
Get help Get a Life Insurance Quote
Aflac Supplemental
Extra protection for life’s unexpected moments. Aflac provides cash benefits that can help with expenses when an accident or illness happens. For business owners, we can also help you offer valuable supplemental benefits to your employees and strengthen your benefits package.
Get helpMedicare doesn’t have to feel complicated.
Tell us what matters to you
We’ll get to know your current coverage, prescriptions, preferred doctors and hospitals, budget, and what matters most to you in a Medicare plan.
We compare your options
We review plans from the insurance companies we represent, looking closely at costs, benefits, prescriptions, provider networks and the details that matter to you. Then we explain your options in plain language so you can make an informed decision.
Choose with confidence
We guide you from there. If you’re ready to enroll, we’ll help you through the process from start to finish. And our relationship doesn’t end there—we remain a resource for your Medicare questions and coverage needs year after year.
What our clients say about us.
We take pride in building lasting relationships with our clients across five states.
Jose and Marie are fabulous. Simply the best. I don’t know what I would do without them in my corner.
Marie has been a tremendous help! I had no idea what I was doing and talking to them made it a lot easier! They helped me every step of the way and I couldn’t be more thankful. Super communicative, Super friendly. Highly recommend to everyone!
Best people in insurance industry that I have ever known. You will not go wrong with these two. They are top notch. Give them a try and thank me later.
I was so nervous I wouldn’t pick the right insurance. When I graduated college I got taken off my parent’s military plan. I had never had to do something like this before, but J&M Benefit Solutions helped me feel safe and secure. I was confident I picked the right plan. They were so kind and gave me the proper guidance I needed to feel confident.
I’ve been on and off with finding an insurance that works with my type one diabetes for almost a year ever since I turned 21 and my parents military insurance wasn’t applying to me anymore. Jose and Marie were more than happy to help me find a proper insurance and they had me set up and able to go to the doctors in only a couple hours. They did a fantastic job and I am very thankful. I 100% recommend that you give them a shot and you won’t regret it!
You will have some personalized options to choose from with them. Always available to answer your questions. Find the perfect plan for your needs. I highly recommend this team.
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Empowering you through knowledge.
Understanding insurance should not be overwhelming. Our goal is to break complex terms and policies down into clear information you can actually use. Whether you are new to Medicare or comparing life insurance options, we give you what you need to make an informed choice with confidence.
Schedule a ConsultationThe questions clients ask first.
What does this cost me?
Nothing. Our services are completely free. We are paid by the insurance carriers, not by you, and your premium is the same whether you enroll through us or directly with the company.
Are you tied to one insurance company?
No. We are independent brokers, licensed and appointed with many different carriers. That is exactly why we can compare instead of pitch, and why we work for you rather than for a single insurer.
Can you help me if I already have a plan?
Yes. Whether you are reviewing your current coverage, need help with a claim, or want a second opinion, we are here to help at any stage.
What types of insurance do you help with?
Medicare, health, and life insurance. We help you choose the right plan and support you throughout your coverage.
Do I have to meet in person?
No. We meet in person in Jacksonville, over the phone, or on video, whichever is easiest for you.
Where are you licensed?
We serve clients across Florida, Georgia, Oklahoma, Texas, and Michigan.
Your insurance questions, answered.
Pick a time that works and bring your questions. If you already have coverage, bring the plan documents and we will read them with you. There is no cost and no obligation at any point.
Or call 904.869.29595310 Lenox Ave, Suite 22, Jacksonville, FL 32205
By appointment only