Florida Health Insurance Guidance From Real People. Since 2006.
We help Florida individuals, families, seniors, and employers compare Medicare, individual health insurance, group health, and supplemental plans — with clear guidance and personal support from licensed local agents.
20 Years Helping Floridians Navigate Health Insurance
Serving Florida Families
Insurance Advisors of Florida was founded in 2006 by Chad and Tina Kuga Garrell — a licensed insurance professional and a seasoned HR executive who believed Floridians deserved a trusted guide, not just a salesperson. Chad, a Florida licensed nurse, has been helping Floridians with Medicare and health insurance decisions for over 15 years. That clinical background gives him a rare perspective: he doesn’t just explain plan options, he helps clients understand what their coverage actually means in the real world.
Tina brought deep expertise in human resources and employee benefits from her leadership career at Universal Orlando. Together, they built an agency rooted in education, transparency, and genuine care for every client's outcome. That philosophy hasn't changed in 20 years.
Today, Insurance Advisors of Florida is a Florida Blue Top 100 Agency with a licensed team serving individuals, families, and businesses throughout the Sunshine State — with the same hands-on personal approach Chad and Tina established on day one. We help clients across Florida with Medicare coverage, individual health insurance, and employer-sponsored benefits.
Meet the Founders
Two founders with complementary backgrounds — one from healthcare, one from HR — united by a commitment to helping Floridians make smarter insurance decisions.
Chad has been helping Floridians with Medicare, individual health insurance, and group benefits for over 15 years. As a Florida licensed nurse, he brings a clinical perspective that sets him apart from most insurance agents. He doesn’t just explain plan options — he helps clients understand what their coverage means for their actual care, doctors, medications, and long-term needs.
With dual graduate degrees and recognition as a Florida Blue Top 100 Agent, Chad has built a reputation across Florida for clear, honest guidance and the kind of follow-through most agents simply don’t provide. He is focused on finding the right fit for every Florida family and business he serves.
Tina is a Florida Blue Top 100 agent and the President of Insurance Advisors of Florida. She brings a distinguished background in human resources and organizational leadership — including senior roles at Universal Orlando — that gives her exceptional command of employer-sponsored benefits, group health plans, and ICHRA strategy.
As our Group and ICHRA specialist, Tina is the go-to advisor for Florida businesses navigating employee benefits. She combines her HR leadership expertise with deep insurance knowledge to help employers offer smarter, more affordable coverage options to their teams.
The People Who Answer Your Call
Every member of our team is a licensed Florida insurance agent — not a call center rep. When you reach out, you speak directly with someone who can guide you through Medicare, individual health insurance, and coverage options right away.
Charlene helps Florida Medicare clients compare plan options, review coverage questions, and navigate enrollment with clear, personal guidance. With 10+ years of Medicare experience, she supports clients year after year with the kind of local service you do not get from a call center.
Jasmin guides clients through plan selection, enrollment, and ongoing account management — bringing detailed knowledge of ACA and supplemental coverage options to every conversation.
A Team Built Around You
Every agent at Insurance Advisors of Florida is independently licensed, continuously trained, and committed to one thing — finding you the right coverage at the right price. No scripts. No pressure. Just real answers.
Six Reasons Clients Stay With Us for Years
We’re not a call center. We’re a local Florida agency that picks up the phone, knows your situation, and works for you — not the insurer.
We Answer the Phone
Call us and a real licensed agent picks up — someone who knows your file, your doctors, and your situation. No hold music, no call trees.
We Explain Everything Clearly
Premiums, deductibles, networks, subsidies — we translate every piece of insurance jargon into plain English before you decide anything.
Our Help Is Always Free
We’re compensated by the carriers, not by you. You get expert guidance at zero cost — the same plan at the same price you’d pay going direct.
Medicare, Individual Health & Group Specialists
We specialize in individual health insurance, Medicare coverage, and employer group benefits — giving you expert guidance no matter your stage of life.
We Work for You, Not Insurers
We compare every option and recommend what fits your doctors, budget, and lifestyle — not what pays the highest commission.
Florida Licensed & Local Since 2006
Based in Central Florida, serving families and businesses statewide. We know your local market, your hospitals, and your community.
What You Can Expect When You Work With Us
From first call to enrollment — and every renewal after — here’s how we take care of you.
A Real Conversation, Not a Sales Pitch
We start by listening — your doctors, prescriptions, budget, and concerns — so we can guide you to the right plan with zero pressure.
We Do the Comparison Work for You
We shop every plan available in your area and present the options that actually make sense for your needs — explained clearly.
Enrollment Handled Start to Finish
Once you choose, we handle all the paperwork. No confusing forms, no running back and forth with the carrier.
We Stay With You Year After Year
We review your coverage every renewal period and reach out if a better option becomes available. We don’t disappear after enrollment.
Talk to a Licensed Florida Agent About Your Coverage Options
Fill out the form below and one of our licensed Florida agents will reach out within one business day — no obligation, no pressure, just answers.
Or call now to speak directly with a licensed agent: (407) 209-3345
