Licensed Insurance Agent · 45 States · NPN 19659209

Medicare and health coverage,
explained like a friend.

I'm Yanira Almodovar. I help individuals and families find Medicare, health insurance, and Medicaid coverage that actually fits their life, not just a quota. No pressure, no jargon, just clear guidance.

Book a Free Consultation See What I Offer
Licensed & CMS Compliant
Licensed in 45 States
NPN: 19659209
No Cost To You
Yanira Almodovar, licensed insurance agent
Yanira Almodovar
Licensed Agent, Next Level Wealth Insurance
How It Works

How We Get You Covered

1

Free Conversation

Tell me about your health needs, budget, and current coverage.

2

Honest Comparison

I compare real plans available in your area, no guesswork.

3

Confident Enrollment

You enroll knowing exactly what you're getting and why.

✓

Ongoing Support

I stay your contact for questions all year, not just at sign-up.

Who I Help

Coverage built around real life

Whether you're turning 65, losing employer coverage, or qualify for Medicaid, I help you understand your options before you decide anything.

New to Medicare

Turning 65 or newly eligible? I'll walk you through Medicare Advantage, Supplement, and Part D options side by side.

Medicaid & Dual Eligible

If you qualify for both Medicare and Medicaid, I help you find Dual Special Needs Plans that maximize your benefits at the lowest cost.

Health & Family Coverage

Under 65 and need health coverage for yourself or your family? I'll help you compare marketplace and private plan options.

Run a Medicare team or agency?

The Medicare Agent Toolbox keeps your agents compliant, fast, and confident on every call.

Explore the Toolbox
What I Offer

Personal, family, and business coverage — explained clearly

As a licensed agent, I work with individuals, families, and small businesses to find insurance coverage that actually makes sense for their situation.

Medicare Coverage

Medicare plans for every situation

Medicare Advantage

All-in-one plans combining hospital, medical, and often prescription drug coverage with extra benefits like dental and vision.

Medicare Supplement

Plans that work alongside Original Medicare to cover gaps like copays, coinsurance, and deductibles.

Prescription Drug Plans

Standalone Part D coverage when you have Original Medicare or a Medicare Supplement plan without built-in drug coverage.

Medicaid & D-SNP

Guidance for qualifying for Medicaid and enrolling in Dual Special Needs Plans designed for dual-eligible individuals.

Chronic & Special Needs Plans

Specialized plans for individuals managing diabetes, heart disease, and other qualifying chronic conditions.

Individual & Family Health

Marketplace and private health insurance options for those not yet on Medicare, including families and the self-employed.

Supplemental & Life Coverage

Protection for what health insurance doesn't cover

Supplemental plans pay cash directly to you when a covered event happens — regardless of what your primary insurance pays. These fill the financial gaps that can derail a recovery.

AFLAC

Hospital Indemnity

Cash benefits paid directly to you for each day you're admitted to a hospital, covering out-of-pocket costs your health plan won't.

AFLAC

Supplemental Health

Covers everyday medical expenses like doctor visits, lab work, and X-rays that pile up even with good primary insurance.

AFLAC

Critical Illness

A lump-sum payment when you're diagnosed with a covered illness like cancer, heart attack, or stroke — use it however you need.

AFLAC

Accident Insurance

Cash benefits for injuries from covered accidents — ER visits, broken bones, physical therapy, and more — so an accident doesn't become a financial crisis.

Life Insurance & IUL

Term life, whole life, and Indexed Universal Life policies through WFG and TransAmerica — protection plus tax-advantaged growth potential.

Retirement & Annuities

Fixed and indexed annuity options through our carrier network to protect retirement income and grow savings without stock market risk.

Aflac

Yanira is an appointed Aflac agent. Supplemental plans through Aflac can be added alongside any existing health or Medicare coverage at no conflict — they pay you directly.

Ask About Aflac
Carrier Affiliations

Appointed with carriers you know and trust

Being appointed with multiple carriers means the recommendation you get is based on what fits your situation — not which carrier happens to be on the shelf.

Aflac

Supplemental, hospital indemnity, critical illness, and accident coverage that pays cash directly to you.

Supplemental & Voluntary
WFG
World Financial Group

Life insurance, IULs, annuities, and financial planning products through one of North America's largest distribution networks.

Life & Financial Products
TransAmerica

Life insurance and retirement solutions with over 100 years of financial strength — term, whole life, and indexed products.

Life & Retirement
Nationwide

Life insurance and annuity products backed by one of the largest insurance and financial services companies in the U.S.

Life & Annuities
🔗
More carriers coming

Yanira is actively expanding her carrier appointments across Medicare Advantage, life, and supplemental lines. Affiliate links will be added here as they're established.

Yanira Almodovar working
About Me

A real person, on the phone when you call

I built Next Level Wealth Insurance because too many people get rushed through insurance decisions that affect their health and their wallet for years. I take the time to actually explain what you're looking at, in plain language, before you sign anything.

Personally, commercially, or for your business, I'm appointed with multiple carriers so what I recommend is based on what fits you, not what pays me the most.

Why Work With Me

Insurance shouldn't feel confusing

No Cost To You

My services are free. I'm paid by the insurance carrier, never by you, so there's no reason not to get a second opinion on your coverage.

Unbiased Comparisons

I'm appointed with multiple carriers, so I can show you real options instead of pushing one company's plan.

Here Year-Round

I don't disappear after enrollment. If your situation changes or you have questions mid-year, I'm still your contact.

Ready to talk through your options?

Free, no obligation, and on your schedule.

Schedule a Call
For Agencies & Team Leaders

The Medicare Agent Toolbox

A complete reference and compliance system built for Medicare agents and the leaders who manage them. SEP codes, qualifying scripts, MAT tracking, and a live sales dashboard, kept current with CMS guidelines every year.

Request Access See Pricing

What's Inside

✓

SEP & Election Period Reference

Every special enrollment period with qualifying questions and verbal scripts.

✓

Compliance Scripts

FEMA disaster discovery script, closing wrap-up script, and carrier-specific call requirements.

✓

Deal & MAT Tracking

Log deals, track Medicaid alignment, and see live sales totals by agent.

✓

Manager Dashboard

See every agent's pipeline, production, and compliance status in one view.

Built For The Call

Everything an agent needs, in one tab

SEP Code Reference

Every qualifying question and CMS-aligned verbal script, organized by category so agents find the right SEP in seconds.

Live Sales Dashboard

Approved deals auto-calculate into bonus and premium totals, no spreadsheets, no manual math.

Manager Visibility

See every agent's deals, MAT pipeline, and online status in real time without asking for an update.

See It In Action

A full walkthrough, live, with no commitment

Schedule a 30-minute live demo and I'll walk you through every section of the toolbox — SEP lookup, deal tracker, manager dashboard, and MAT pipeline — using real scenarios your team will face on the phones.

  • Live walkthrough of the SEP reference & scripts module
  • Deal entry, approval flow, and dashboard totals
  • Manager view — agents, production, and MAT tracking
  • 30 minutes, your questions, no sales pressure
Book a Free Demo
toolbox.nextlevelwealthinsurance.com
SEP Codes
My Deals
MAT
Dashboard
Special Enrollment Periods
SEP — Loss of Creditable Coverage
Q: Are you losing employer or union coverage within 2 months?
SEP — Change in Residence
Q: Have you permanently moved to a new plan service area?
SEP — FEMA Disaster
Q: Was the beneficiary in a Presidentially-declared disaster area?

Actual toolbox UI — see it live in your demo

Simple Pricing

Pick the size that fits your team

Updated yearly for CMS guideline changes, no extra charge for updates.

Solo Agent
$14.99/month
For independent agents who want the full reference and deal tracker.
  • Full SEP reference & scripts
  • Personal deal & MAT tracker
  • Yearly CMS updates included
Get Started
Most Popular
Small Agency
$49.99/month
For agencies up to 5 agents who need manager visibility.
  • Everything in Solo Agent
  • Manager dashboard, up to 5 agents
  • Live agent presence & pipeline
Get Started
Growing Agency
$99.99/month
For agencies up to 20 agents who need full team management.
  • Everything in Small Agency
  • Up to 20 agents
  • Priority support
Get Started

Want a walkthrough first?

I'll show you the toolbox live before you commit to anything.

Request a Demo
In Development

A Compliant CRM Built For Medicare Sales Floors

For small and growing agencies that need their dialer, CRM, and CMS compliance working together instead of three disconnected tools.

The Problem

Most agencies are stitching together tools that don't talk to each other

A dialer for calls. A spreadsheet for tracking. A separate compliance checklist nobody actually follows consistently. None of it connects, and compliance gaps are how agencies get into trouble with CMS.

Dialer Integration

Built to work alongside the phone systems agencies already use, including Five9-style platforms, so call data flows straight into the CRM.

Automated Compliance

TCPA consent, SOA capture, and CMS wrap-up requirements built into the call flow instead of relying on agents to remember every step.

Product-Specific Scripts

Different scripts for Medicare Advantage, Medicare Supplement, D-SNP/C-SNP, and Part D, surfaced automatically based on what's being sold.

How This Works

Built to order, not off the shelf

This isn't a finished product on a shelf. It's developed specifically for your agency's workflow after we agree on scope and pricing together.

01

Discovery Call

We talk through your current dialer, team size, and where compliance gaps tend to happen.

02

Scope & Pricing

You get a clear proposal for exactly what's being built and what it costs before anything starts.

03

Build & Integrate

The CRM is built around your existing dialer and carrier requirements, not a generic template.

04

Launch & Support

Your team starts using it with ongoing support as your agency grows.

Curious if this fits your agency?

Let's talk through what you're currently using and where it's falling short.

Start The Conversation
Let's Talk

Get in touch

Whether you need Medicare guidance, want to bring the Toolbox to your agency, or are curious about the CRM, tell me a bit about what you need.

I typically respond within 1 business day. This form does not submit anywhere yet, connect it to your email or CRM of choice.