Welcome to Friends With Benefits LLC

Friends With Benefits LLC is a well-known Florida Benefits Agency offering health, life, disability income and long term care insurance. We also offer employee benefits. Accordingly, our clients include Employers, Individuals and Medicare recipients. Our goal is to educate and inform our clients on the myriad of options available to them, as the world of insurance constantly evolves. Our mission is to become a "go to" and “lifetime” resource for them.

We have more than 25 years of experience in Florida health insurance market.  Thus, we have the knowledge and skills to help our clients meet their most important goals.  We specialize in creative solutions and the latest technology that helps to save our clients money,  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.

November 1st to December 15th

Employee Benefits & HR Services

Our staff of experts received their training from the most respected Health Insurance providers in America. Thus, we have a 360 degree view of the industry. Additionally, we take the time to fully understand your needs to develop customized solutions for your needs and provide support across the entire spectrum of benefits programs.  Accordingly, this includes:

  • 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 our clients useful, interactive benefit information and tools.  Specifically, our clients have access to tools to help employees utilize their health insurance benefits to the fullest.  Additionally our technology assists HR managers and business owners in streamlining the day-to-day functions of their HR department.

Healthcare Reform

Following are highlights of the Affordable Care Act.  Accordingly review how this law affects both Individuals and Employers in the State of Florida.

Healthcare Reform is complex.  Thus we urge you to call one of our knowledgable insurance professionals for more details.

Call  us @ 305-519-8141  – 9am-5pm Eastern or Contact Us

Annual Open Enrollment

Nov. 1st through Dec. 15th
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.  In the same manner, the individual mandate requires all individuals to carry qualifying coverage. This mandate can be satisfied either through an individual policy, or an employer policy.  

Approval Guidelines

  • There is no pre-existing clause. Accordingly, insurance companies can no longer increase rates or deny coverage because of a pre-existing condition.
  • There is a new dependent age limit.  Accordinlgy, you can now keep dependents on your insurance until age 26.  
  • 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.  Accordingly, the credits are applied as a discount on monthly premiums.

Individuals can use the Subsidy Calculator to determine your eligibility.

Businesses can use the  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 healthcare with a Medicare Supplement from one of our top carriers.  Accordingly, these plans will complement your original Medicare and help you pay for healthcare expenses that are not covered under your original Parts A&B.
Life Insurance & Annuities

Life Insurance & Annuities

Life insurance protects your loved ones throughout the milestones of life. Accordingly, it covers your final expenses, morgage, and  taxes.  It provides  living expenses for loved ones.  Addtionally, 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. Thus, these plans help to pay 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.” Gerry is a veteran in the insurance industry. He has developed an expertise in group benefits and accordingly, he 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 on Small Businesses and their owners. Notably, he specializes in Caribbean and Latin American businesses. Thus, Geronimo is fluent in both English and Spanish.

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

Gerry actively supports organizations serving the special needs and disabled populations. Accordingly, he supports Autism Speaks nationally, as well as Nature Links locally. As a point of interest, Nature Links for Lifelong Learning helps train and assist employable young adults with disabilities in Miami and Miami Dade County.

When not meeting with clients, Gerry 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