What is Medicare Advantage and how is it different from Original Medicare?

Medicare Advantage (Part C) is a private health plan approved by Medicare that bundles Part A and Part B coverage and usually includes extra benefits like dental, vision, and hearing. Unlike Original Medicare, all services go through the plan's network.

What is the difference between Medicare Advantage and a Medicare Supplement (Medigap)?

Medicare Advantage replaces Original Medicare with an integrated private plan. Medigap works alongside Original Medicare to cover the copays and deductibles Medicare does not pay. Each option has advantages depending on your health, budget, and preferred medical network.

How much does it cost to use CIENEL's services?

Our service is completely free for you. As an independent agent, we receive compensation from insurance companies when you enroll in a plan — without affecting the price of your policy or the options we recommend.

Do you serve in Spanish?

Yes, we serve in Spanish and English. You can reach us in whichever language you feel most comfortable — by WhatsApp, phone, or email.

How do I schedule a call or consultation?

The fastest way is to message us on WhatsApp at (754) 244-7995. You can also use the quote form on this site and we will contact you within 24 hours.

Do you serve outside Tampa?

Yes. We are licensed throughout the state of Florida. While we are based in Tampa, we help residents in Miami, Orlando, Jacksonville, and any county in Florida.

Tampa, FL · All of Florida

Health insurance help in Florida — in English and Spanish.

Medicare, ACA Marketplace, dental, vision, hearing, and supplemental benefits — CIENEL helps you compare your options and find coverage that fits your life. Clear guidance, no pressure.

Get a free quote Message us on WhatsApp

Licensed in FloridaAHIP CertifiedTampa · All of FloridaFree service for you

One agency for all your coverage

Medicare, ACA Marketplace, dental, vision, hearing, and supplemental benefits — explained in your language.

Medicare Advantage (Part C)

Plans that bundle hospital, medical, and often dental, vision, and transportation — all in one card.

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Medicare Supplements (Medigap)

Helps pay costs Original Medicare doesn't cover, like deductibles and copays.

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Medicare Part D

Prescription drug coverage that works alongside your Medicare plan.

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ACA Marketplace / Obamacare

Health coverage if you're under 65. We help you review plans, subsidies, and eligibility at no cost to you.

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Dental Insurance

Coverage for cleanings, fillings, and major dental work — for individuals and families.

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Vision Insurance

Exams, glasses, and contact lenses — plans that help protect your vision.

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Hearing Benefits

Hearing exams and hearing-aid benefits, available through many plans.

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Cancer Coverage

A cash benefit paid directly to you after a covered cancer diagnosis — help with costs your health plan may not cover.

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Heart Attack & Stroke

Lump-sum cash protection if you experience a covered heart attack or stroke.

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Hospital Indemnity

Cash benefits per hospital stay to help with deductibles and unexpected costs.

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Accident Insurance

Cash benefits after a covered accident — help with ER visits, fractures, and recovery.

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Why choose CIENEL?

100% bilingual service

We speak your language for real. We explain every detail in English or Spanish — no confusing jargon, no middlemen.

Medicare specialists

Medicare only. That lets us know every plan, every annual change, and every option available to you in Florida.

Tampa, FL — your neighborhood

We are local. We know the providers, hospitals, and networks in your area better than any national agency.

Fast, human response

No chatbots. When you write, a real person answers — the same one who will guide you through the entire process.

Credentials you can verify

FL #L135255FL License

AHIP CertifiedMedicare certification (AHIP)

10+years in Medicare

Free serviceNo cost to you

Tampa · FloridaStatewide coverage

Carriers we work with

We work with Florida's leading insurance carriers across Medicare, ACA Marketplace, dental, and supplemental product lines.

Medicare

Devoted Health

UnitedHealthcare

Aetna Medicare

Wellcare

Wellpoint / Anthem

ACA Marketplace

Ambetter Health

Dental, Vision & Hearing

Ameritas

Aetna

Supplemental Benefits

Aetna

American Home Life

GTL

Ready to find your plan?

A 15-minute conversation can save you hundreds of dollars a year. No commitment.

Get a free quote Message us on WhatsApp

Health insurance help in Florida — in English and Spanish.

One agency for all your coverage

Why choose CIENEL?

Credentials you can verify

Carriers we work with

Ready to find your plan?

Frequently asked questions

Health insurance help in Florida — in English and Spanish.

One agency for all your coverage

Why choose CIENEL?

Credentials you can verify

Carriers we work with

Ready to find your plan?

Frequently asked questions