Welcome to Friends With Benefits LLC

Friends With Benefits LLC is a well-known Benefits Agency offering health, life, disability income and long term care insurance and employee benefits for Employers, Individuals and Medicare recipients. Our goal is to educate and inform our clients on the myriad of options available to them, in a constantly changing health insurance landscape. Our mission is to become a "go to" lifetime resource for them.

When we work with a client, regardless of size, our primary objective is to understand their health insurance needs and circumstances.  With more than 25 years of experience, we have the knowledge and skills required to help meet our client’s established goals.  For employers, we specialize in outside-of-the-box solutions and cutting edge technology that save our clients money on robust benefit packages, while keeping them compliant and productive.


Affordable Plans
National Carriers

If you qualify for a tax subsidy, we can help you secure your health insurance and premium credit.

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Employee Benefits & HR Services

Our staff of experts received their training from the most respected Health Insurance providers in America. We know the industry and take the time to fully understand your needs to support you across the entire spectrum of benefits programs, including:

  • HR Consulting & Compliance
  • Fully Insured Health Insurance & Self-Funded Group Health Insurance
  • Group Health through SHOP
  • Section 125 Plans – POPs & FSAs, & Mini-Meds
  • GAP Insurance
  • Group Dental, Vision, Life, Disability & LTC
  • Voluntary Benefits (Critical Care, Accident, LifeLock & More)
  • Executive Benefits
  • Group Travel Insurance


Technology to streamline the management of your Human Resources

We have partnered with other leaders in the HR industry to offer clients useful, functional information and tools that allow employees to utilize their health insurance benefits to the fullest, and helps to streamline the day-to-day functions of their HR department.

Healthcare Reform

What you need to know!  Highlights of the Affordable Care Act and how it affects both Individuals and Employers in the State of Florida.

Healthcare Reform is complex.  Call one of our knowledgable insurance professionals for more details @ 305-519-8141  – 9am-5pm Eastern or Contact Us

Annual Open Enrollment

Nov. 1st through Jan 31st
You must purchase qualifying* health insurance during open enrollment* or face a potential penalty.

*Click here see if you are eligible for a special health insurance enrollment period.

*More on “qualifying coverage.

Tax Penalties

The employer mandate requires employers who have 50 or more full-time employees to provide health coverage to their employees or face potential penalties. The individual mandate requires all individuals to have health insurance, either through their employer or an individual policy, or face potential penalties.

Approval Guidelines

  • No pre-existing clause. Insurance companies can no longer increase rates or deny coverage because of a pre-existing condition.
  • Dependents up to age 26 may be added to an insurance policy for both individuals and employer coverage.
  • Gender is no longer a factor in determining rates.

Tax Credit

Individuals and Businesses who purchase their health insurance through the Federal Health Insurance Marketplace or SHOP may be eligible for tax credits which are applied as a discount on your monthly insurance premium.

Individuals – Use our Subsidy Calculator to determine your eligibility.

Businesses – Use our Small Business Tax Credit Calculator to determine your eligibility.

Individual Benefits Planning

Supplemental Life & Health Insurance and Financial Services

Medicare Supplements

Medicare Supplements

Save on your overall healthcare with an affordable Medicare Supplement Plan from one of our national top-rated carriers, which will complement your original Medicare and help you pay for healthcare expenses not covered under your original Parts A&B.
Life Insurance & Annuities

Life Insurance & Annuities

Life insurance protects you and your lived ones throughout the milestones of life. It covers your final expenses, your mortgage, your taxes, and the living expenses of your loved ones when they no longer have your income. It can also cover your children’s education.
Supplemental Insurance

Supplemental Insurance

Protect your health and financial well-being with Supplemental Insurance.   We offer affordable dental, vision, critical illness, living benefits, and more, to help cover health related costs that health insurance typically doesn’t cover.
Retirement Plans

Retirement Plans

We offer qualified and non-qualified retirement plans and investments for individual and businesses. We would be happy to review your goals and circumstances with you.  Contact us if you would like a complementary free analysis.

Meet Our Founder

Geronimo (Gerry) Schmidt

Founder and CEO

Geronimo’s mission is “to be the first resource my clients look for whenever they have any financial/insurance question.” A veteran in the insurance industry, he has developed an expertise in group benefits and gauges his success by the satisfaction of his clients. “My practice has been built on referrals from clients, CPAs and other financial representatives…. I believe the best prospect is a referral from a client that is very happy with the work you have done for them.”

His practice focus is Small Businesses and their owners, specializing in Caribbean and Latin American business owners and employees. Geronimo is fluent in English and Spanish.

Geronimo is a 1979 graduate of Miami-Dade College with a degree in Business Administration and a 1985 graduate of Kemper-Tregoe in Colorado with a degree in Problem Analysis and Resolution.

He actively supports organizations serving the special needs and disabled populations supporting Autism Speaks nationally and Nature Links locally. Nature Links for Lifelong Learning helps train and assist employable young adults with disabilities I Miami and Miami Dade County.

A resident of Miami, when not meeting with clients he enjoys spending time with his extended family, traveling, swimming and reading.


National Association of Health Underwriters (NAHU)

Association of Health Underwriters Miami-Dade (DAHU)

National Association of Insurance and Financial Advisors (NAIFA)

BNI Miami-Dade (the world’s largest business networking organization)

Insurance licensed and Securities registered in Florida and Nevada