What makes us different

We go beyond enrollment. We stay.

Most agents disappear the day your policy activates. We walk with you through every question, concern, and claim after it. As independent brokers we have access to multiple insurance providers and plans, so we can shop the market instead of selling you the one plan we are allowed to sell.

Schedule a Consultation Call 904.869.2959

No cost. No obligation. No pressure. Licensed and appointed in Florida, Georgia, Oklahoma, Texas, and Michigan.

Jose and Marie, in their own words · Turn sound on · 57 seconds

Cost to you

States licensed

Coverage lines

10+

Carriers appointed

The difference in four parts

What you actually get when you work with us.

These are not slogans. Each one is something you can hold us to on the first call.

Personalized plans

We start with your doctors, your prescriptions, your budget, and your travel, then match coverage to that. Two people on the same street rarely belong on the same plan, and we do not pretend otherwise.

Free expert guidance

Our services cost you nothing. The carriers pay us, so your premium is identical whether you enroll through us or straight through the insurance company. You get an advocate at no added cost.

No pushy sales tactics

We explain the tradeoffs, show you the comparison, and let you decide. If the best answer is to keep the plan you already have, we will tell you that and we will not call you back every week.

Local and virtual support

Meet us in person in Jacksonville, or by phone or video anywhere in the five states we are licensed in. When a claim goes sideways, you call a person you have already met, not a queue.

Who we are

An independent brokerage, built around the follow-up.

At J&M Benefit Solutions Inc., we are a team of independent insurance brokers committed to helping individuals and families navigate the often confusing world of insurance. With years of combined experience, we specialize in Medicare, health, and life insurance. Our mission is simple: to provide honest guidance, personalized service, and ongoing support, so our clients feel confident and cared for every step of the way.

We proudly serve clients across Florida, Georgia, Oklahoma, Texas, and Michigan. Whether you are enrolling for the first time or reviewing your current plan, we take the time to understand your unique needs and match you with the best coverage options available. More than just enrolling you in a plan, we are here for the life of your policy, ready to assist with claims, answer your questions, and be the reliable support you deserve.

Florida Georgia Oklahoma Texas Michigan

Jose and Marie Quintero on the Jacksonville riverfront

In the community

You will find us in Jacksonville all year, not just in October.

We set up at local events, sponsor what our neighbors care about, and answer Medicare questions in person for people who have never met us. Open enrollment is the busy season. It is not the only season we show up for.

Get in touch

Independent means independent

We shop these carriers for you.

Being appointed with many companies is what lets us compare rather than pitch. No single carrier decides what we are allowed to recommend.

12+

Carriers appointed

Licensed and appointed with

Cigna

Humana

CarePlus

Aetna

Florida Blue

Devoted

Wellcare

Ambetter

Aflac

Gold Kidney

United Healthcare

Healthspring

Let’s talk

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 904.869.2959

Office hours Monday to Friday, 8:00am to 6:00pm ET · Jacksonville, FL