Partner With Mere Benefits
Your partner in simplifying health insurance and retirement planning. We provide clear, no-cost guidance backed by over 17 years of licensed experience, and we are looking to partner with providers and professionals across Northeast Florida who share our commitment to simplicity, integrity, and putting people first.
Your clients trust you. Insurance just isn't your department.
The people you serve need help with something outside your area of expertise: Medicare windows, Marketplace subsidies, Social Security timing. Mere Benefits is the guide for exactly that. Led by Kate Spilsbury, a Certified Medicare Insurance Planner (CMIP®) and Registered Social Security Analyst® (RSSA®), our team translates the decisions so your clients get answers and you keep the relationship. Insurance companies speak insurance. We translate.
Introduce your client
Send them our way however is easiest for you. A warm handoff, a shared contact, or your own branded referral link. It takes a few seconds.
We educate and help
Every referral is contacted promptly, educated thoroughly, and never enrolled in a plan they don't fully understand. No unsolicited sales calls, ever.
You remain their trusted professional
We handle the insurance questions and send them back to you better informed. Your relationship stays yours. We just make you look good for the introduction.
Clear Guidance. Right Coverage. No Confusion.
What every referral can count on
A referral is an extension of your reputation, and we treat it that way. Here is the standard we hold ourselves to with every person you send our way.
Prompt, personal contact
Every referral hears from a real person quickly. No one sits in a queue wondering what happened.
Education before enrollment
Our role is to teach first. No one is enrolled in a plan they don't fully understand, and every choice stays theirs.
Information kept secure
All information is kept secure, and we never subject anyone to unsolicited sales calls.
Always free to them, and to you
Our insurance services are free for your patients, clients, or members. We are compensated directly by the carriers when an enrollment takes place, so there is never a cost to you or the people you refer.
Built for the professionals people already trust
If people bring you their health, money, or planning questions, sooner or later they bring you an insurance question too. Here is how a partnership works for each kind of practice.
Primary Care Physicians & Specialists
As patients age into Medicare, their coverage needs change. Our role is education, not steering; patients always make their own choice. We work with you to understand the plans your practice accepts and which matter most to you, so patients stay well informed as their coverage evolves.
Value to you: Better-educated patients, and a referral partner who understands your practice's plan priorities.
Direct Primary Care & Concierge Physicians
DPC and concierge practices operate outside traditional insurance, and membership alone doesn't cover major medical events. We help members find catastrophic protection, including supplemental and indemnity coverage and Christian healthcare sharing ministry plans, depending on needs and qualifications. Certain supplemental and indemnity plans pay benefits directly to the member, which can go toward membership costs.
What is direct primary care? Can you use an HSA with DPC?
Value to you: A path to help members find catastrophic protection and afford their membership long-term.
Cardiologists, Nephrologists & Endocrinologists
Patients managing heart disease, kidney disease, or diabetes face some of the highest prescription and out-of-pocket costs. On Medicare, they may qualify for chronic condition special needs plans. We identify and enroll eligible patients, offer hospitalization, cancer, and heart attack and stroke coverage with lump-sum cash benefits, and run prescription drug savings reports in seconds covering all of their medications.
Chronic condition plans (C-SNP)
Value to you: Patients on plans built for their condition, real medication savings, and staff time saved.
Value-Based Care Providers
Insurance literacy directly affects outcomes and cost of care. We help patients choose plans that fit their chronic conditions, confirm network status, and understand their benefits before they need them.
Value to you: Better-informed patients, fewer avoidable ER visits caused by coverage confusion, and support for your quality metrics.
Chiropractors & Mental Health Providers
Many patients don't know what their plan covers for chiropractic care, therapy, or mental health. We help them understand the benefits they already have and, when it makes sense, find plans that better support ongoing care.
Value to you: Patients stay in treatment because they understand and can afford their coverage.
Dentists, Orthodontists & Vision Providers
Dental, vision, and hearing coverage is one of the most overlooked pieces of the insurance picture, especially for Medicare-eligible patients. We offer affordable dental, vision, and hearing add-on plans, with or without a health plan.
Value to you: More patients with coverage for their treatment plans, and fewer delaying care over cost.
Financial Advisors
Social Security and Medicare decisions are financial decisions, and getting them wrong can cost tens of thousands of dollars over a lifetime. Our RSSA®-powered Social Security analysis aligns claiming strategy with the retirement plan you've built, and our Medicare guidance keeps healthcare costs from derailing the financial picture.
Social Security optimization IRMAA calculator
Value to you: Protection for client assets, prevention of costly claiming mistakes, and a specialist referral that enhances rather than competes with your advisory relationship.
Elder Law Attorneys & Senior Care Professionals
We guide clients through Medicare, Marketplace, and prescription decisions in line with Medicaid spend-down planning and estate planning goals, with year-round service through our MereCare team.
Value to you: Clients have expert year-round insurance support that complements the planning work you've done.
Churches & Senior Ministries
We offer no-cost educational sessions on Medicare and Social Security, often paired with engaging activities your members actually enjoy.
Value to you: Supports congregation wellness, prepares members for Medicare changes, and gives them a safe, pressure-free space for questions with no sales pitch.
Easy to refer. Zero work for you.
We keep referring simple and work with you to figure out what fits your practice, which can include your own branded referral link. Sending someone our way takes a few seconds, and after that the follow-through is on us.
Set up a referral pathWhat we offer your patients, clients & members
One introduction opens the whole toolbox. Depending on their situation, the people you refer may get help with any of the following, always at no cost to them.
Medicare
Advantage, Supplement, and Part D guidance from one of the few Certified Medicare Insurance Planners in the nation.
Learn moreMarketplace / ACA
Subsidy guidance, enrollment periods, and help avoiding costly application mistakes.
Learn moreGroup Benefits
Employer coverage, including level-funded and self-funded options.
Learn moreSelf-Employed Health Plans
Private PPOs, Medi-Share, and ACA options for 1099 and small-business owners.
Learn moreSocial Security Optimization
RSSA®-powered claiming analysis that coordinates with the rest of retirement.
Learn moreLife Insurance
Final expense, term, whole life, and IUL.
Learn moreDental, Vision & Hearing
Affordable add-on coverage, with or without a health plan.
Learn moreHospitalization, Cancer, Heart Attack & Stroke
Lump-sum cash benefit coverage that pays the member directly.
Learn morePrescription Drug Savings Analysis
Grants, assistance programs, discount plans, and trusted pharmacy options, checked in seconds.
We'll bring the education to your people
We regularly host free educational webinars and in-person events on Medicare, Social Security, and health insurance topics, and we love partnering with organizations to bring these sessions directly to your patients, clients, or congregation. No sales pitch, just answers. Kate also wrote the book on it, literally: Get It Right: Medicare & Social Security Unlocked.
Ask about hosting an eventPartnership questions, answered honestly
Does it cost anything to partner with Mere Benefits?
No. Partnering costs nothing, and our insurance guidance is always free for the people you refer. We are compensated directly by the carriers when an enrollment takes place. The only paid service we offer is the Social Security Analysis & Consultation, which is available separately and always disclosed up front.
How does the referral process work?
We keep it simple and shape it around you. That can include your own branded referral link, so sending someone our way takes a few seconds. Every referral is contacted promptly and educated first. No one is ever pushed toward an enrollment.
Will my patients or clients be pressured to buy something?
No. We never make unsolicited sales calls, and education always comes before any enrollment conversation. People make their own choices with clear information in front of them. That approach is the reason professionals keep referring to us.
Is this only for Medicare-eligible people?
No. We help at every stage, from ACA Marketplace coverage for individuals and families to Medicare and Social Security planning for those approaching retirement. If someone you serve has an insurance question, there is a good chance we can help or point them to the right resource.
What areas do you serve?
We are based in Jacksonville and serve Duval, Clay, St. Johns, Nassau, and Baker counties in person. We are also licensed across multiple states, including Florida, Georgia, and Texas, and we serve those clients by phone and video.
You Don't Have to Figure It Out Alone. Neither do they.
Bring clear, pressure-free guidance to the people who count on you. Tell us about your practice or organization and we'll map out what a partnership could look like, usually in one short conversation.
We do not offer every plan available in your area. Currently we represent 10 organizations which offer 90 products in your area. Please contact medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
You'd be partnering with a teacher, not a salesperson
Kate spends her weeks doing exactly what this page describes: seminars, radio segments, and one-on-one sessions where people finally understand their coverage. Your clients get that same education-first experience, and you stay their trusted professional.
Ready to give your people a translator?
One conversation and we'll set up a referral path that fits your practice. Your clients get clear answers, and you stay their trusted professional.
- No cost to you
- RSSA® · CMIP®
- No pressure, ever