Independent, not captive
We aren't tied to one insurer. We compare the whole market we represent and recommend what fits you — not what pays us most.
Woman-owned · Independent · Licensed in 11 states
Medicare, ACA Marketplace, Group Benefits, and more — serving the First Coast and all of Florida in person, and 11 licensed states by phone or video, with personalized guidance every step of the way.
Trusted by leading insurance carriers
From turning 65 to running a business, we cover the whole map — so you don't need a different agent for every need.
Advantage, Supplement & Part D — matched to your doctors and drugs.
Learn moreSubsidized individual & family health plans.
Learn moreEmployee benefits that attract and keep good people.
Learn moreSmart coverage for 1099 and small-business owners.
Learn moreRSSA® claiming-strategy analysis.
Learn moreTerm, whole & living-benefit protection.
Learn moreFill the gap Medicare leaves behind.
Learn moreCash benefits when a diagnosis hits.
Learn moreCoordinate the insurance side of your legacy.
Learn moreWe'll guide you to the right coverage — meet you where you are and translate the options into a clear next step.
Mere Benefits was founded by Kate Spilsbury, a fourth-generation Floridian licensed since 2007. A Registered Social Security Analyst (RSSA®) and Certified Medicare Insurance Planner (CMIP®), Kate built the agency on a simple belief: people make better decisions when someone takes the time to explain their options honestly.
Bilingual in English and Spanish, she serves individuals, families, and small businesses across Northeast Florida and Camden County — with education and trust instead of high-pressure sales.
A fourth-generation Floridian, a mom, an author, and a familiar face at Medicare seminars across Northeast Florida.
A relaxed conversation about your health, budget, doctors, and what matters to you — no script, no pressure.
We line up every plan you qualify for across our carriers and show you the real, after-help cost of each.
We handle the paperwork and re-check your plan every year — because the best plan today may not be the best next year.
Independent, credentialed, and genuinely on your team — here's what that means for you.
We aren't tied to one insurer. We compare the whole market we represent and recommend what fits you — not what pays us most.
Kate's whole approach is to make insurance make sense. You'll leave understanding your choice, never rushed into it.
RSSA® and CMIP® designations mean Social Security and Medicare planning done properly, not guessed at.
English and Spanish, based in Jacksonville, serving the First Coast and Camden County in person or by video.
Guides, checklists, a timeline, and a personal consultation — built around your situation and completely free. Choose email, mail, or both.
Map your current coverage and spot the gaps.
Every key Medicare, ACA & SEP deadline.
Parts A, B, C, D & Medigap in plain English.
See the premium help you may qualify for.
If your coverage feels confusing, limited, or pricier than expected, you're not alone. Sometimes you don't need a new plan — just a fresh look at your options.
Our founder's book walks you through Medicare and Social Security together — the way they were meant to be understood. It demystifies the decisions most people get wrong: enrollment timing, Social Security coordination, and avoiding costly mistakes.
Kate untangled Medicare for both my parents in an afternoon. She was patient, honest, and never once made us feel rushed.
As a freelancer I dreaded picking health insurance. She found me a plan that kept my doctor and lowered my premium.
We switched our small business benefits through Mere Benefits and actually saved money while giving our team more.
Quick answers to the questions we hear most.
One team for the whole map: Medicare (Advantage, Supplement, and Part D), ACA/Marketplace health plans, self-employed and small-business coverage, life insurance, dental and vision, critical illness, and Social Security timing.
Nothing extra. Insurance plans cost the same whether you enroll on your own or with us — we're compensated by the carriers, so our guidance is free to you.
Absolutely. We help 1099 workers and freelancers find tax-smart individual coverage, and we design competitive group benefits for small employers — re-shopping the market each year so you never overpay.
Not necessarily — and we check first. Before recommending anything, we confirm your doctors are in the plan's network and your prescriptions are covered, so keeping your care is part of the decision.
That's one of the most valuable things we do. We'll review your current plan against everything you qualify for and tell you honestly whether you can do better — no pressure to switch if you're already in the right place.
It's easy and free. Call or text (904) 654-5450, email info@merebenefits.com, or use our contact form — you'll reach a real person, not a call center. We'll set up a relaxed conversation in person or by phone/video.
Join our newsletter for plain-English updates on Medicare, ACA, and Social Security — including the enrollment deadlines you don't want to miss.
Tell us a little about what you need and we'll follow up quickly. Prefer to talk now? Call or email — you'll reach a real person, not a call center.
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