The Insurance Pros, LLC

09/30/2025

Listen, insurance is dry. Like “eating crackers in a wind tunnel” dry.
So I spice it up.

I’ve got analogies for days.
🧠 Your plan = your playlist
💸 Your HSA = your emergency snack drawer
📉 Co-insurance? That’s when we both pay. Like when your kid says they’ll split lunch and hands you $2.

Whatever helps it make sense — I’ll use it.

If you’re new here, hi. I’m Carmen. I translate insurance into real-life language and GIFs.

09/29/2025

No dumb questions. Just real answers.

Sorting through Marketplace coverage? Confused by the fine print?
That’s what we’re here for.

Hard questions, awkward questions, “I should probably already know this” questions — send them.

We’ll break it down without the jargon or judgment.

📩 DM us anytime. Let's get you covered with confidence.

09/26/2025

Welcome to Club 65.
👀 Membership comes with choices — Medicare being one of the biggest.

👵🏽 Medicare doesn’t have to be messy.
We’re kicking off to break it down without the boring bits.

This week’s hot topic: What actually happens when you turn 65?
🎂➡️ You become Medicare-eligible
🗂️ You’ve got enrollment deadlines to watch
💬 And multiple plan options to choose from

Whether you’re retiring, still working, or totally confused — we’ve got you.

📞 Ready to talk Medicare like a pro?
DM us or visit www.insurepros.net
to book your free consultation.

09/25/2025

Long-term care: it’s the coverage most people skip—until they need it.

Our Substack dives into how it works, what it covers, and why it’s worth asking about now.

🔗 https://theinsurancepros.substack.com/p/long-term-care-insurance-the-coverage

09/24/2025

Week 2 of Hispanic Heritage Month brings serious flavor: Chupe de Mariscos.
This creamy seafood chowder is warm, rich, and next-level comfort food.

Enjoy one of her favorite recipes!

09/23/2025

Tired of insurance sounding like legalese?
Subscribe to our Substack: Covering Your Assets.

Real talk. Weekly updates. And yes—some sass.🔗 https://theinsurancepros.substack.com

09/22/2025

🎯 It’s go time. Medicare Open Enrollment starts Oct 15.
Not sure if your plan still fits?
Let’s review it—no pressure, just clarity.

09/19/2025

🧡 Life Insurance = Love Insurance.It’s Life Insurance Awareness Month, and we’re here to make sure your people are protected

Let’s chat options—term, whole, and beyond.

📩 DM to start a no-pressure convo.

09/18/2025

We’re starting Hispanic Heritage Month with one of Carmen’s go-to comfort meals: Pasta con Atún y Salsa Rosada (Pasta with Tuna & Pink Sauce).

It’s creamy, savory, and totally budget-friendly—aka everything weeknight dinners should be.

Enjoy the recipe!

09/17/2025

Let’s take a quick break from tax credits and insurance acronyms, shall we? 😅

Here are a few fun facts about me — because I’m not just the person who reads the fine print so you don’t have to:

💁🏽‍♀️ I’m a mom of FOUR girls and a proud grandma (they call me “Gigi” and yes, it melts me every time)

🎶 My playlists are unhinged in the best way — salsa, gospel, 90s R&B, and Lizzo all in one road trip

🌮 I take food very seriously. Choosing between tacos and dumplings? Not gonna happen.

📩 I became a broker because watching people panic over government letters broke my heart — I knew I could help.

I’m here for the laughs and the logistics. If you ever thought insurance had to be boring or confusing — stick around. We do things a little differently here. 💙

09/03/2025

Summer’s over. The kids are back in school, pumpkin spice is back on its throne, and for business owners, September is the real New Year.
This is your calm-before-the-storm moment. Handle your benefits now, and your November self will be sipping coffee while everyone else is scrambling.
In my latest blog, I break down:
✅ Why September is the sweet spot
✅ 3 things to check before October 1
✅ How to avoid compliance fines + employee headaches

Still out here Covering Your ASSets with heart, hustle, and insurance literacy.

Read it here 👉https://theinsurancepros.substack.com/p/life-insurance-awareness-month-more?r=5bcwpl

“Pumpkin spice is optional. Benefits prep is not.”

08/21/2025

Health Savings Accounts just got a little stronger.
Here’s what’s coming:

💰 $4,400 for individuals

💰 $8,750 for families

💰 $1,000 extra if you're 55+

If you have an HDHP, now’s the time to revisit your contribution strategy.
📌 Save this post for your benefits review this fall.