Woman-owned · Independent agency

Expert Medicare & Health Insurance Guidance You Can Trust

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.

  • RSSA®
  • CMIP®
  • NABIP
  • BBB
  • Independent & multi-carrier
  • English & Español
Kate Spilsbury, RSSA®, CMIP®, founder of Mere Benefits
RSSA® & CMIP® Certified Education first, never pressure

Trusted by leading insurance carriers

  • UnitedHealthcare
  • Aetna
  • Cigna
  • Humana
  • Florida Blue
  • Anthem
  • Devoted Health
  • Simply Healthcare
Kate Spilsbury, Founder & Licensed Insurance Agent
Kate SpilsburyRSSA® · CMIP®
Meet your advisor

Insurance doesn't have to be confusing

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.

  • Independent — the whole market we represent
  • Credentialed RSSA® & CMIP® expertise
  • No pressure, and no cost to you
More than an agency

The person behind Mere Benefits

A fourth-generation Floridian, a mom, an author, and a familiar face at Medicare seminars across Northeast Florida.

See more of Kate's story →

How Mere Benefits works — talk, compare your options, and get covered
No cost to youGuidance is always free
How it works

3 simple steps to get covered

  1. 01

    Talk with our team

    A relaxed conversation about your health, budget, doctors, and what matters to you — no script, no pressure.

  2. 02

    Compare your options

    We line up every plan you qualify for across our carriers and show you the real, after-help cost of each.

  3. 03

    Get covered & stay covered

    We handle the paperwork and re-check your plan every year — because the best plan today may not be the best next year.

11 States licensed
Multi -carrier Independent, never captive
2007 Licensed since
$ 0 Cost to work with us
Why Mere Benefits

The difference is who's on your side

Independent, credentialed, and genuinely on your team — here's what that means for you.

01

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.

02

Education over pressure

Kate's whole approach is to make insurance make sense. You'll leave understanding your choice, never rushed into it.

03

Credentialed expertise

RSSA® and CMIP® designations mean Social Security and Medicare planning done properly, not guessed at.

04

Bilingual & local

English and Spanish, based in Jacksonville, serving the First Coast and Camden County in person or by video.

Free starter kit

Everything you need to get started

Guides, checklists, a timeline, and a personal consultation — built around your situation and completely free. Choose email, mail, or both.

Personal Coverage Checklist

Map your current coverage and spot the gaps.

Enrollment Timeline

Every key Medicare, ACA & SEP deadline.

Medicare Made Simple

Parts A, B, C, D & Medigap in plain English.

Subsidy Calculator

See the premium help you may qualify for.

Get your free Starter Kit
  • 100% free
  • Licensed & certified
  • No obligation
Talk with a real person

Not sure your current plan is working?

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.

  • No cost to you
  • RSSA® · CMIP®
  • No pressure, ever
Get It Right: Medicare & Social Security Unlocked — by Kate Spilsbury, RSSA®, CMIP®
By our founder, Kate Spilsbury

Want the complete picture?

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.

  • When to enroll — and how to dodge lifelong penalties
  • Coordinating Social Security with Medicare & IRMAA
  • The costly mistakes most people never see coming
Trusted & certified

Certifications & affiliations

  • Certified Medicare Insurance Planner (CMIP®)
  • Registered Social Security Analyst® (RSSA®)
  • NABIP Leading Producers Round Table
  • BBB Accredited Business
  • Elite Circle of Champions 2025
  • Top Rated Local Medicare Agent
  • JAX Chamber Trustee
  • Camden County Chamber of Commerce
  • Nassau County Chamber Member
  • Health Agents for America — Proud Member
  • HelpVet.Net Preferred Business Member
  • BFF's Preferred Vendor
  • Certified Medicare Insurance Planner (CMIP®)
  • Registered Social Security Analyst® (RSSA®)
  • NABIP Leading Producers Round Table
  • BBB Accredited Business
  • Elite Circle of Champions 2025
  • Top Rated Local Medicare Agent
  • JAX Chamber Trustee
  • Camden County Chamber of Commerce
  • Nassau County Chamber Member
  • Health Agents for America — Proud Member
  • HelpVet.Net Preferred Business Member
  • BFF's Preferred Vendor
In their words

What our clients are saying

Kate untangled Medicare for both my parents in an afternoon. She was patient, honest, and never once made us feel rushed.
Denise R.Jacksonville, FL
As a freelancer I dreaded picking health insurance. She found me a plan that kept my doctor and lowered my premium.
Marcus T.St. Johns County, FL
We switched our small business benefits through Mere Benefits and actually saved money while giving our team more.
Priya S.Kingsland, GA
FAQ

Frequently asked questions

Quick answers to the questions we hear most.

What types of insurance does Mere Benefits help with?

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.

How much does it cost to work with Mere Benefits?

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.

Can Mere Benefits help if I'm self-employed or own a small business?

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.

Do I need to change doctors if I switch plans?

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.

What if I already have insurance but want to compare options?

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.

How do I get started with Mere Benefits?

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.

Stay in the loop

Insurance tips, deadlines & savings — monthly

Join our newsletter for plain-English updates on Medicare, ACA, and Social Security — including the enrollment deadlines you don't want to miss.

Ready to find the right plan?

Send us a message

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.

Request a free plan recommendation

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