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.
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
ONLINE HR RESOURCES
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.
- 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.
Individuals – Use our Subsidy Calculator to determine your eligibility.
Businesses – Use our Small Business Tax Credit Calculator to determine your eligibility.
Supplemental Life & Health Insurance and Financial Services
Life Insurance & Annuities
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