{"id":103,"date":"2025-05-09T14:37:08","date_gmt":"2025-05-09T14:37:08","guid":{"rendered":"http:\/\/ctchealthplans.com\/home\/"},"modified":"2026-05-11T23:53:48","modified_gmt":"2026-05-11T23:53:48","slug":"home-2","status":"publish","type":"page","link":"https:\/\/ctchealthplans.com\/es\/","title":{"rendered":"Inicio"},"content":{"rendered":"<style>\n.ctc-page { font-family: 'Inter', Arial, sans-serif; color: #1a1a2e; }\n.ctc-page * { box-sizing: border-box; margin: 0; padding: 0; }\n.ctc-page a { text-decoration: none; }\n.ctc-page img { max-width: 100%; height: auto; display: block; }\n\n\/* Variables *\/\n.ctc-page {\n  --navy:   #0a2342;\n  --teal:   #2a9d8f;\n  --gold:   #e8a020;\n  --light:  #f5f7fa;\n  --white:  #ffffff;\n  --text:   #1a1a2e;\n  --muted:  #555555;\n}\n\n\/* Shared *\/\n.ctc-wrap { max-width: 1140px; margin: 0 auto; padding: 0 20px; }\n.ctc-label { display: block; font-size: 0.78rem; font-weight: 600; letter-spacing: 0.15em; text-transform: uppercase; color: var(--teal); margin-bottom: 10px; }\n.ctc-page h2 { font-family: 'Playfair Display', Georgia, serif; font-size: 2.1rem; line-height: 1.2; }\n.ctc-page h3 { font-family: 'Playfair Display', Georgia, serif; font-size: 1.2rem; line-height: 1.3; }\n.ctc-btn { display: inline-block; padding: 14px 28px; border-radius: 8px; font-size: 1rem; font-weight: 600; cursor: pointer; transition: transform 0.2s, opacity 0.2s; border: none; }\n.ctc-btn:hover { transform: translateY(-2px); opacity: 0.92; }\n.ctc-btn-gold { background: var(--gold); color: var(--navy); }\n.ctc-btn-outline-white { background: transparent; color: var(--white); border: 2px solid var(--white); }\n.ctc-btn-outline-white:hover { background: var(--white); color: var(--navy); }\n.ctc-btn-white { background: var(--white); color: var(--teal); font-weight: 700; }\n.ctc-btn-white:hover { background: var(--navy); color: var(--white); }\n\n\/* ---- HERO ---- *\/\n.ctc-hero { background: var(--navy); padding: 80px 20px 0; overflow: hidden; }\n.ctc-hero-inner { max-width: 1140px; margin: 0 auto; display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: end; }\n.ctc-hero-content { padding-bottom: 80px; }\n.ctc-hero-badge { display: inline-flex; align-items: center; gap: 8px; background: rgba(255,255,255,0.1); border: 1px solid rgba(255,255,255,0.2); color: var(--white); font-size: 0.85rem; padding: 6px 14px; border-radius: 50px; margin-bottom: 24px; }\n.ctc-hero-badge span { color: var(--teal); }\n.ctc-hero h1 { font-family: 'Playfair Display', Georgia, serif; font-size: 2.9rem; line-height: 1.2; color: var(--white); margin-bottom: 20px; }\n.ctc-hero-sub { color: rgba(255,255,255,0.8); font-size: 1.05rem; margin-bottom: 36px; max-width: 480px; line-height: 1.7; }\n.ctc-hero-btns { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 36px; }\n.ctc-hero-trust { color: rgba(255,255,255,0.6); font-size: 0.85rem; display: flex; align-items: center; gap: 8px; }\n.ctc-hero-trust .ctc-stars { color: var(--gold); }\n.ctc-hero-img { position: relative; display: flex; justify-content: center; }\n.ctc-hero-img img { max-height: 500px; object-fit: contain; object-position: bottom; border-radius: 10px 10px 0 0; }\n.ctc-agent-card { position: absolute; bottom: 30px; right: -10px; background: var(--white); border-radius: 10px; padding: 16px 20px; box-shadow: 0 4px 20px rgba(0,0,0,0.15); min-width: 210px; }\n.ctc-agent-card-name { font-weight: 700; color: var(--navy); font-size: 1rem; margin-bottom: 2px; }\n.ctc-agent-card-title { font-size: 0.8rem; color: #666; margin-bottom: 10px; }\n.ctc-agent-card-row { font-size: 0.85rem; color: var(--text); display: flex; align-items: center; gap: 6px; margin-bottom: 5px; }\n\n\/* ---- GLANCE ---- *\/\n.ctc-glance { padding: 80px 20px; background: var(--light); }\n.ctc-glance-hd { text-align: center; margin-bottom: 48px; }\n.ctc-glance-hd h2 { color: var(--navy); margin-bottom: 12px; }\n.ctc-glance-hd p { color: var(--muted); max-width: 560px; margin: 0 auto; }\n.ctc-glance-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 24px; max-width: 1140px; margin: 0 auto; }\n.ctc-glance-card { background: var(--white); border-radius: 10px; padding: 32px 24px; box-shadow: 0 4px 20px rgba(0,0,0,0.08); border-top: 4px solid var(--teal); }\n.ctc-glance-icon { width: 50px; height: 50px; background: rgba(42,157,143,0.1); border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 1.4rem; margin-bottom: 18px; }\n.ctc-glance-card h3 { color: var(--navy); margin-bottom: 10px; }\n.ctc-glance-card p { color: var(--muted); font-size: 0.92rem; line-height: 1.6; }\n\n\/* ---- CARRIERS ---- *\/\n.ctc-carriers { padding: 80px 20px; background: var(--white); }\n.ctc-carriers-hd { text-align: center; margin-bottom: 48px; }\n.ctc-carriers-hd h2 { color: var(--navy); margin-bottom: 12px; }\n.ctc-carriers-hd p { color: var(--muted); }\n.ctc-carriers-wrap { overflow: hidden; position: relative; max-width: 1140px; margin: 0 auto; }\n.ctc-carriers-wrap::before,.ctc-carriers-wrap::after { content:''; position: absolute; top:0; bottom:0; width:80px; z-index:2; pointer-events:none; }\n.ctc-carriers-wrap::before { left:0; background: linear-gradient(to right, #fff, transparent); }\n.ctc-carriers-wrap::after  { right:0; background: linear-gradient(to left,  #fff, transparent); }\n.ctc-carriers-track { display: flex; gap: 32px; animation: ctc-scroll 22s linear infinite; width: max-content; }\n.ctc-carriers-track:hover { animation-play-state: paused; }\n.ctc-carrier-logo { flex-shrink:0; display:flex; align-items:center; justify-content:center; padding:14px 22px; background: var(--light); border-radius:10px; min-width:130px; height:76px; }\n.ctc-carrier-logo img { max-height:44px; max-width:100px; object-fit:contain; filter:grayscale(20%); transition:filter 0.3s; }\n.ctc-carrier-logo:hover img { filter:grayscale(0%); }\n@keyframes ctc-scroll { 0%{transform:translateX(0)} 100%{transform:translateX(-50%)} }\n\n\/* ---- TESTIMONIALS ---- *\/\n.ctc-testimonials { padding: 80px 20px; background: var(--navy); }\n.ctc-testimonials-hd { text-align: center; margin-bottom: 48px; }\n.ctc-testimonials-hd h2 { color: var(--white); margin-bottom: 12px; }\n.ctc-testimonials-hd p { color: rgba(255,255,255,0.7); }\n.ctc-testimonials-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 24px; max-width: 1140px; margin: 0 auto; }\n.ctc-tcard { background: rgba(255,255,255,0.07); border: 1px solid rgba(255,255,255,0.12); border-radius: 10px; padding: 30px 26px; }\n.ctc-tcard-stars { color: var(--gold); font-size: 1rem; margin-bottom: 14px; }\n.ctc-tcard-text { color: rgba(255,255,255,0.85); font-size: 0.93rem; margin-bottom: 22px; line-height: 1.7; }\n.ctc-tcard-author { display: flex; align-items: center; gap: 12px; }\n.ctc-tcard-avatar { width:44px; height:44px; border-radius:50%; overflow:hidden; background: var(--teal); display:flex; align-items:center; justify-content:center; color:white; font-weight:700; flex-shrink:0; }\n.ctc-tcard-avatar img { width:100%; height:100%; object-fit:cover; }\n.ctc-tcard-name { color: var(--white); font-weight: 600; font-size: 0.88rem; }\n.ctc-tcard-loc { color: rgba(255,255,255,0.5); font-size: 0.78rem; }\n\n\/* ---- PRODUCTS ---- *\/\n.ctc-products { padding: 80px 20px; background: var(--light); }\n.ctc-products-hd { text-align: center; margin-bottom: 48px; }\n.ctc-products-hd h2 { color: var(--navy); margin-bottom: 12px; }\n.ctc-products-hd p { color: var(--muted); max-width: 560px; margin: 0 auto; }\n.ctc-products-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 22px; max-width: 1140px; margin: 0 auto; }\n.ctc-pcard { background: var(--white); border-radius: 10px; padding: 30px 22px; box-shadow: 0 4px 20px rgba(0,0,0,0.07); transition: transform 0.2s; }\n.ctc-pcard:hover { transform: translateY(-4px); }\n.ctc-pcard-icon { font-size: 1.8rem; margin-bottom: 14px; }\n.ctc-pcard h3 { color: var(--navy); margin-bottom: 8px; }\n.ctc-pcard p { color: var(--muted); font-size: 0.88rem; line-height: 1.6; }\n.ctc-pcard-link { display: inline-block; color: var(--teal); font-weight: 600; font-size: 0.88rem; margin-top: 14px; }\n\n\/* ---- FAQ ---- *\/\n.ctc-faq { padding: 80px 20px; background: var(--white); }\n.ctc-faq-hd { text-align: center; margin-bottom: 48px; }\n.ctc-faq-hd h2 { color: var(--navy); margin-bottom: 12px; }\n.ctc-faq-hd p { color: var(--muted); }\n.ctc-faq-list { max-width: 760px; margin: 0 auto; }\n.ctc-faq-item { border-bottom: 1px solid #e5e7eb; }\n.ctc-faq-q { width:100%; background:none; border:none; text-align:left; padding:20px 0; font-family:inherit; font-size:1rem; font-weight:600; color:var(--navy); cursor:pointer; display:flex; justify-content:space-between; align-items:center; gap:16px; }\n.ctc-faq-icon { flex-shrink:0; width:26px; height:26px; border-radius:50%; background:var(--light); display:flex; align-items:center; justify-content:center; color:var(--teal); font-size:1.1rem; transition:transform 0.3s, background 0.3s; }\n.ctc-faq-item.open .ctc-faq-icon { transform:rotate(45deg); background:var(--teal); color:white; }\n.ctc-faq-a { max-height:0; overflow:hidden; transition:max-height 0.35s ease; }\n.ctc-faq-a-inner { padding-bottom:18px; color:var(--muted); font-size:0.93rem; line-height:1.7; }\n.ctc-faq-item.open .ctc-faq-a { max-height:300px; }\n\n\/* ---- CTA ---- *\/\n.ctc-cta { padding: 80px 20px; background: linear-gradient(135deg, var(--teal) 0%, #1a7a70 100%); text-align: center; }\n.ctc-cta h2 { color: var(--white); margin-bottom: 14px; }\n.ctc-cta p { color: rgba(255,255,255,0.85); max-width: 520px; margin: 0 auto 34px; font-size: 1.05rem; line-height: 1.7; }\n.ctc-cta-btns { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }\n\n\/* ---- RESPONSIVE ---- *\/\n@media(max-width:900px){\n  .ctc-hero-inner,.ctc-glance-grid,.ctc-testimonials-grid,.ctc-products-grid { grid-template-columns:1fr; }\n  .ctc-hero-img { display:none; }\n  .ctc-hero-content { padding-bottom:60px; }\n  .ctc-hero h1 { font-size:2.1rem; }\n}\n@media(max-width:600px){\n  .ctc-hero h1 { font-size:1.8rem; }\n  .ctc-hero-btns,.ctc-cta-btns { flex-direction:column; }\n  .ctc-glance-grid,.ctc-testimonials-grid,.ctc-products-grid { grid-template-columns:1fr; }\n}\n<\/style>\n\n<div class=\"ctc-page\">\n\n<!-- HERO -->\n<section class=\"ctc-hero\">\n  <div class=\"ctc-hero-inner\">\n    <div class=\"ctc-hero-content\">\n      <div class=\"ctc-hero-badge\">&#x1f3e5; <span>Licensed &amp; Independent<\/span> Health Insurance Agent<\/div>\n      <h1>Finding the Right Health Plan Shouldn&#8217;t Be Complicated<\/h1>\n      <p class=\"ctc-hero-sub\">We shop dozens of top carriers to find you the best Medicare and ACA coverage \u2014 at no extra cost to you. Local, licensed, and always on your side.<\/p>\n      <div class=\"ctc-hero-btns\">\n        <a class=\"ctc-btn ctc-btn-gold\" href=\"\/es\/contact\/\">Get a Free Consultation<\/a>\n        <a class=\"ctc-btn ctc-btn-outline-white\" href=\"tel:9545431971\">Call (954) 543-1971<\/a>\n      <\/div>\n      <div class=\"ctc-hero-trust\"><span class=\"ctc-stars\">\u2605\u2605\u2605\u2605\u2605<\/span> Trusted by hundreds of Florida families<\/div>\n    <\/div>\n    <div class=\"ctc-hero-img\">\n      <img data-recalc-dims=\"1\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/i0.wp.com\/ctchealthplans.com\/wp-content\/uploads\/2026\/05\/hero-eric.webp?ssl=1\" alt=\"Eric Jensen, Licensed Health Insurance Agent\">\n      <div class=\"ctc-agent-card\">\n        <div class=\"ctc-agent-card-name\">Eric Jensen<\/div>\n        <div class=\"ctc-agent-card-title\">Licensed Health Insurance Agent<\/div>\n        <div class=\"ctc-agent-card-row\">&#x1f4de; (954) 543-1971<\/div>\n        <div class=\"ctc-agent-card-row\">&#x2709;&#xfe0f; eric@ctchealthplans.com<\/div>\n\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- MEDICARE AT A GLANCE -->\n<section class=\"ctc-glance\">\n  <div class=\"ctc-wrap\">\n    <div class=\"ctc-glance-hd\">\n      <span class=\"ctc-label\">What You Need to Know<\/span>\n      <h2>Medicare At a Glance<\/h2>\n      <p>Understanding your Medicare options is the first step to getting the coverage that&#8217;s right for you.<\/p>\n    <\/div>\n    <div class=\"ctc-glance-grid\">\n      <div class=\"ctc-glance-card\">\n        <div class=\"ctc-glance-icon\">&#x1f4cb;<\/div>\n        <h3>What Is Medicare?<\/h3>\n        <p>Medicare is a federal health insurance program for people 65 and older. It covers hospital stays, doctor visits, prescription drugs, and more.<\/p>\n      <\/div>\n      <div class=\"ctc-glance-card\">\n        <div class=\"ctc-glance-icon\">&#x1f5d3;&#xfe0f;<\/div>\n        <h3>When Can You Enroll?<\/h3>\n        <p>Your Initial Enrollment Period starts 3 months before your 65th birthday. Missing this window can mean permanent penalties \u2014 we help you enroll at the right time.<\/p>\n      <\/div>\n      <div class=\"ctc-glance-card\">\n        <div class=\"ctc-glance-icon\">&#x1f4b0;<\/div>\n        <h3>What Does It Cost?<\/h3>\n        <p>Original Medicare has gaps in coverage. A Medicare Supplement or Advantage plan can fill those gaps \u2014 sometimes with $0 premium options.<\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- CARRIERS -->\n<section class=\"ctc-carriers\">\n  <div class=\"ctc-wrap\">\n    <div class=\"ctc-carriers-hd\">\n      <span class=\"ctc-label\">Our Partners<\/span>\n      <h2>Top Carriers We Work With<\/h2>\n      <p>We&#8217;re independent \u2014 so we shop all of these carriers to find what&#8217;s best for <em>you<\/em>.<\/p>\n    <\/div>\n  <\/div>\n  <div class=\"ctc-carriers-wrap\">\n    <div class=\"ctc-carriers-track\">\n      <div class=\"ctc-carrier-logo\"><img data-recalc-dims=\"1\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/i0.wp.com\/ctchealthplans.com\/wp-content\/uploads\/2026\/05\/logo-anthem.webp?ssl=1\" alt=\"Anthem\"><\/div>\n      <div class=\"ctc-carrier-logo\"><img data-recalc-dims=\"1\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/i0.wp.com\/ctchealthplans.com\/wp-content\/uploads\/2026\/05\/logo-atena.webp?ssl=1\" alt=\"Aetna\"><\/div>\n      <div class=\"ctc-carrier-logo\"><img data-recalc-dims=\"1\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/i0.wp.com\/ctchealthplans.com\/wp-content\/uploads\/2026\/05\/logo-humana.webp?ssl=1\" alt=\"Humana\"><\/div>\n      <div class=\"ctc-carrier-logo\"><img data-recalc-dims=\"1\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/i0.wp.com\/ctchealthplans.com\/wp-content\/uploads\/2026\/05\/logo-uhc.webp?ssl=1\" alt=\"UHC\"><\/div>\n      <div class=\"ctc-carrier-logo\"><img data-recalc-dims=\"1\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/i0.wp.com\/ctchealthplans.com\/wp-content\/uploads\/2026\/05\/logo-devoted.webp?ssl=1\" alt=\"Devoted\"><\/div>\n      <div class=\"ctc-carrier-logo\"><img data-recalc-dims=\"1\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/i0.wp.com\/ctchealthplans.com\/wp-content\/uploads\/2026\/05\/logo-wellcare.webp?ssl=1\" alt=\"Wellcare\"><\/div>\n      <div class=\"ctc-carrier-logo\"><img data-recalc-dims=\"1\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/i0.wp.com\/ctchealthplans.com\/wp-content\/uploads\/2026\/05\/logo-select.webp?ssl=1\" alt=\"Select Health\"><\/div>\n      <div class=\"ctc-carrier-logo\"><img data-recalc-dims=\"1\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/i0.wp.com\/ctchealthplans.com\/wp-content\/uploads\/2026\/05\/logo-oscar.webp?ssl=1\" alt=\"Oscar\"><\/div>\n      <!-- duplicate for seamless loop -->\n      <div class=\"ctc-carrier-logo\"><img data-recalc-dims=\"1\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/i0.wp.com\/ctchealthplans.com\/wp-content\/uploads\/2026\/05\/logo-anthem.webp?ssl=1\" alt=\"Anthem\"><\/div>\n      <div class=\"ctc-carrier-logo\"><img data-recalc-dims=\"1\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/i0.wp.com\/ctchealthplans.com\/wp-content\/uploads\/2026\/05\/logo-atena.webp?ssl=1\" alt=\"Aetna\"><\/div>\n      <div class=\"ctc-carrier-logo\"><img data-recalc-dims=\"1\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/i0.wp.com\/ctchealthplans.com\/wp-content\/uploads\/2026\/05\/logo-humana.webp?ssl=1\" alt=\"Humana\"><\/div>\n      <div class=\"ctc-carrier-logo\"><img data-recalc-dims=\"1\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/i0.wp.com\/ctchealthplans.com\/wp-content\/uploads\/2026\/05\/logo-uhc.webp?ssl=1\" alt=\"UHC\"><\/div>\n      <div class=\"ctc-carrier-logo\"><img data-recalc-dims=\"1\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/i0.wp.com\/ctchealthplans.com\/wp-content\/uploads\/2026\/05\/logo-devoted.webp?ssl=1\" alt=\"Devoted\"><\/div>\n      <div class=\"ctc-carrier-logo\"><img data-recalc-dims=\"1\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/i0.wp.com\/ctchealthplans.com\/wp-content\/uploads\/2026\/05\/logo-wellcare.webp?ssl=1\" alt=\"Wellcare\"><\/div>\n      <div class=\"ctc-carrier-logo\"><img data-recalc-dims=\"1\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/i0.wp.com\/ctchealthplans.com\/wp-content\/uploads\/2026\/05\/logo-select.webp?ssl=1\" alt=\"Select Health\"><\/div>\n      <div class=\"ctc-carrier-logo\"><img data-recalc-dims=\"1\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/i0.wp.com\/ctchealthplans.com\/wp-content\/uploads\/2026\/05\/logo-oscar.webp?ssl=1\" alt=\"Oscar\"><\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- TESTIMONIALS -->\n<section class=\"ctc-testimonials\">\n  <div class=\"ctc-wrap\">\n    <div class=\"ctc-testimonials-hd\">\n      <span class=\"ctc-label\">Client Stories<\/span>\n      <h2>What Our Clients Say<\/h2>\n      <p>Real people. Real coverage. Real peace of mind.<\/p>\n    <\/div>\n    <div class=\"ctc-testimonials-grid\">\n      <div class=\"ctc-tcard\">\n        <div class=\"ctc-tcard-stars\">\u2605\u2605\u2605\u2605\u2605<\/div>\n        <p class=\"ctc-tcard-text\">&#8220;Eric made the whole Medicare process so easy. I was overwhelmed before calling him \u2014 within 30 minutes I had a plan I could actually afford and understood.&#8221;<\/p>\n        <div class=\"ctc-tcard-author\">\n          <div class=\"ctc-tcard-avatar\">M<\/div>\n          <div><div class=\"ctc-tcard-name\">Margaret T.<\/div><div class=\"ctc-tcard-loc\">Boca Raton, FL<\/div><\/div>\n        <\/div>\n      <\/div>\n      <div class=\"ctc-tcard\">\n        <div class=\"ctc-tcard-stars\">\u2605\u2605\u2605\u2605\u2605<\/div>\n        <p class=\"ctc-tcard-text\">&#8220;Eric compared plans from 5 different carriers and found me a better plan that saved me over $80 a month. Couldn&#8217;t be happier.&#8221;<\/p>\n        <div class=\"ctc-tcard-author\">\n          <div class=\"ctc-tcard-avatar\">R<\/div>\n          <div><div class=\"ctc-tcard-name\">Robert M.<\/div><div class=\"ctc-tcard-loc\">Fort Lauderdale, FL<\/div><\/div>\n        <\/div>\n      <\/div>\n      <div class=\"ctc-tcard\">\n        <div class=\"ctc-tcard-stars\">\u2605\u2605\u2605\u2605\u2605<\/div>\n        <p class=\"ctc-tcard-text\">&#8220;Eric walked me through every option with no pressure. He genuinely cared about finding the right fit \u2014 not just making a sale.&#8221;<\/p>\n        <div class=\"ctc-tcard-author\">\n          <div class=\"ctc-tcard-avatar\">D<\/div>\n          <div><div class=\"ctc-tcard-name\">Diana L.<\/div><div class=\"ctc-tcard-loc\">Irvine, CA<\/div><\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- PRODUCTS -->\n<section class=\"ctc-products\">\n  <div class=\"ctc-wrap\">\n    <div class=\"ctc-products-hd\">\n      <span class=\"ctc-label\">What We Offer<\/span>\n      <h2>Health Plans for Every Stage of Life<\/h2>\n      <p>From Medicare to ACA marketplace plans, we have options for individuals, families, and seniors.<\/p>\n    <\/div>\n    <div class=\"ctc-products-grid\">\n      <div class=\"ctc-pcard\"><div class=\"ctc-pcard-icon\">&#x1f3e5;<\/div><h3>Medicare Advantage<\/h3><p>All-in-one plans bundling Part A, Part B, and often Part D. Many include $0 premiums plus dental, vision, and hearing.<\/p><a class=\"ctc-pcard-link\" href=\"\/es\/medicare-advantage\/\">Learn more \u2192<\/a><\/div>\n      <div class=\"ctc-pcard\"><div class=\"ctc-pcard-icon\">&#x1f6e1;&#xfe0f;<\/div><h3>Medicare Supplement<\/h3><p>Fill the gaps in Original Medicare. Medigap covers copays, coinsurance, and deductibles Medicare doesn&#8217;t pay.<\/p><a class=\"ctc-pcard-link\" href=\"\/es\/medicare-supplement\/\">Learn more \u2192<\/a><\/div>\n      <div class=\"ctc-pcard\"><div class=\"ctc-pcard-icon\">&#x1f48a;<\/div><h3>Prescription Drug (Part D)<\/h3><p>Standalone drug coverage for those with Original Medicare. We compare plans to ensure your medications are covered at the lowest cost.<\/p><a class=\"ctc-pcard-link\" href=\"\/es\/part-d\/\">Learn more \u2192<\/a><\/div>\n      <div class=\"ctc-pcard\"><div class=\"ctc-pcard-icon\">&#x1f4d1;<\/div><h3>ACA Marketplace Plans<\/h3><p>Affordable Care Act plans for individuals and families under 65. Many clients qualify for subsidies that reduce monthly premiums.<\/p><a class=\"ctc-pcard-link\" href=\"\/es\/aca\/\">Learn more \u2192<\/a><\/div>\n      <div class=\"ctc-pcard\"><div class=\"ctc-pcard-icon\">&#x1f4bc;<\/div><h3>Short-Term Insurance<\/h3><p>Temporary coverage for gaps between jobs or life transitions. Flexible terms from 1 to 12 months.<\/p><a class=\"ctc-pcard-link\" href=\"\/es\/short-term\/\">Learn more \u2192<\/a><\/div>\n      <div class=\"ctc-pcard\"><div class=\"ctc-pcard-icon\">&#x1f9b7;<\/div><h3>Dental, Vision &amp; Hearing<\/h3><p>Standalone plans for those whose health insurance doesn&#8217;t include these benefits. Affordable options for every budget.<\/p><a class=\"ctc-pcard-link\" href=\"\/es\/dental-vision\/\">Learn more \u2192<\/a><\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- FAQ -->\n<section class=\"ctc-faq\">\n  <div class=\"ctc-wrap\">\n    <div class=\"ctc-faq-hd\">\n      <span class=\"ctc-label\">Common Questions<\/span>\n      <h2>Preguntas frecuentes<\/h2>\n      <p>Still have questions? Call us \u2014 we&#8217;re always happy to help.<\/p>\n    <\/div>\n    <div class=\"ctc-faq-list\">\n      <div class=\"ctc-faq-item\">\n        <button class=\"ctc-faq-q\" onclick=\"ctcFaq(this)\">Do I have to pay you to help me find a plan? <span class=\"ctc-faq-icon\">+<\/span><\/button>\n        <div class=\"ctc-faq-a\"><div class=\"ctc-faq-a-inner\">No \u2014 our services are completely free to you. We&#8217;re compensated by the insurance carriers, so you get expert guidance at no cost. You won&#8217;t pay a penny more than going directly to a carrier.<\/div><\/div>\n      <\/div>\n      <div class=\"ctc-faq-item\">\n        <button class=\"ctc-faq-q\" onclick=\"ctcFaq(this)\">When can I sign up for Medicare? <span class=\"ctc-faq-icon\">+<\/span><\/button>\n        <div class=\"ctc-faq-a\"><div class=\"ctc-faq-a-inner\">Your Initial Enrollment Period starts 3 months before you turn 65 and ends 3 months after your birthday month \u2014 a 7-month window. Missing it can result in permanent late enrollment penalties.<\/div><\/div>\n      <\/div>\n      <div class=\"ctc-faq-item\">\n        <button class=\"ctc-faq-q\" onclick=\"ctcFaq(this)\">What&#8217;s the difference between Medicare Advantage and Medigap? <span class=\"ctc-faq-icon\">+<\/span><\/button>\n        <div class=\"ctc-faq-a\"><div class=\"ctc-faq-a-inner\">Medicare Advantage replaces Original Medicare and is offered by private insurers \u2014 often with $0 premiums and extra benefits. Medigap works alongside Original Medicare to cover your out-of-pocket costs. Which is better depends on your health needs and budget.<\/div><\/div>\n      <\/div>\n      <div class=\"ctc-faq-item\">\n        <button class=\"ctc-faq-q\" onclick=\"ctcFaq(this)\">Can I switch plans if I&#8217;m not happy? <span class=\"ctc-faq-icon\">+<\/span><\/button>\n        <div class=\"ctc-faq-a\"><div class=\"ctc-faq-a-inner\">Yes \u2014 during the Annual Enrollment Period (Oct 15 \u2013 Dec 7) you can switch Medicare plans. There are also Special Enrollment Periods for life events like moving or losing coverage.<\/div><\/div>\n      <\/div>\n      <div class=\"ctc-faq-item\">\n        <button class=\"ctc-faq-q\" onclick=\"ctcFaq(this)\">Do you only serve Florida? <span class=\"ctc-faq-icon\">+<\/span><\/button>\n        <div class=\"ctc-faq-a\"><div class=\"ctc-faq-a-inner\">We&#8217;re based in Florida and primarily serve Florida residents, but we&#8217;re licensed in multiple states. Contact us to find out if we can help in your state.<\/div><\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<script>\nfunction ctcFaq(btn) {\n  var item = btn.closest('.ctc-faq-item');\n  var isOpen = item.classList.contains('open');\n  document.querySelectorAll('.ctc-faq-item').forEach(function(i){ i.classList.remove('open'); });\n  if (!isOpen) item.classList.add('open');\n}\n<\/script>\n\n\n\n\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>&#x1f3e5; Licensed &amp; Independent Health Insurance Agent Finding the Right Health Plan Shouldn&#8217;t Be Complicated We shop dozens of top carriers to find you the best Medicare and ACA coverage \u2014 at no extra cost to you. Local, licensed, and always on your side. Get a Free Consultation Call (954) 543-1971 \u2605\u2605\u2605\u2605\u2605 Trusted by hundreds [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"nf_dc_page":"","site-sidebar-layout":"no-sidebar","site-content-layout":"","ast-site-content-layout":"full-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-103","page","type-page","status-publish","hentry"],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/ctchealthplans.com\/es\/wp-json\/wp\/v2\/pages\/103","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ctchealthplans.com\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/ctchealthplans.com\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/ctchealthplans.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ctchealthplans.com\/es\/wp-json\/wp\/v2\/comments?post=103"}],"version-history":[{"count":5,"href":"https:\/\/ctchealthplans.com\/es\/wp-json\/wp\/v2\/pages\/103\/revisions"}],"predecessor-version":[{"id":1329,"href":"https:\/\/ctchealthplans.com\/es\/wp-json\/wp\/v2\/pages\/103\/revisions\/1329"}],"wp:attachment":[{"href":"https:\/\/ctchealthplans.com\/es\/wp-json\/wp\/v2\/media?parent=103"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}