Licensed independent Medicare & health agency · Cape Coral, FL
Cape Coral's Medicare and health insurance agency — coverage explained by a local agent.
Compare Medicare, ACA and life plans with a licensed Cape Coral agent serving Fort Myers — free, with no obligation.
Alston Ebron, FL License #G134054 · NPN 21231868 · No cost to you — agents are paid by the carriers, never by you.
7 carrier organizations compared
3 counties served — Lee, Collier, Charlotte
$0 cost for reviews, comparisons and enrollment help
30 min typical free plan review, by phone or in person
Key facts about XactInsure
The details a buyer can check before calling: who we are, how to reach us, and exactly what we compare.
- Business name
- XactInsure
- Legal entity
- Sunterra Energy Solutions LLC DBA XactInsure
- Phone
- (239) 341-9545
- info@xactinsure.net
- Website
- xactinsure.net
- Based in
- Cape Coral, FL
- Service area
- Cape Coral, Fort Myers, Naples, Bonita Springs and communities across Lee, Collier and Charlotte counties, Florida
- Office hours
- Mon–Fri 9–6, Sat–Sun 9:30–2:30 ET
- Licensed agent
- Alston Ebron — Florida insurance license #G134054, NPN 21231868
- Carrier organizations compared
- 7 — Aetna, Humana, UnitedHealthcare, Cigna, Devoted, Wellcare and Florida Blue
- Products compared
- 5 — Medicare Advantage, Medicare Supplement, Part D, ACA Marketplace and life insurance
- Independent review score
- 5.0 on Google from 25 public Google reviews
- Cost to you
- $0 — agents are paid by the carriers, never by you
- Reviews take
- About 30 minutes, by phone or in person, with no obligation
How a free plan review works
Three steps, about thirty minutes, and you keep the decision.
Tell us your doctors, drugs and budget
Bring your medication list and your priorities. We start from your situation, not from a product.
We compare the plans in your ZIP code
We represent 7 organizations in your area and lay out what each would cost you, network by network.
You decide — and we stay reachable
Enroll with us or walk away. Either way, you can call the same local number all year, not a call center.
Four ways we help
Every pathway starts with the same free review, and every review starts with your doctors, your prescriptions and your budget — not with a product.
Medicare
Advantage, Supplement (Plan G / Plan N) and Part D — compared for your doctors and prescriptions.
Explore Medicare →
Health (ACA)
Marketplace plans, subsidies and special enrollment periods for Florida families.
Explore ACA plans →
Life & final expense
Term life and final-expense coverage sized to your family's actual needs.
Explore life insurance →
Emergency transport
Where Medicare leaves ambulance gaps — and the coverage options that can fill them.
Understand the gap →Medicare Advantage, Medigap or Part D?
A quick orientation — the free review makes it personal.
| Medicare Advantage | Medigap (Supplement) | Part D | |
|---|---|---|---|
| Monthly premium | Often $0–$50 | Higher, set by plan and age | From ~$0 plus drug costs |
| Networks | HMO/PPO rules apply | Any provider that accepts Medicare | Pharmacy network, plus mail-order options |
| Prescription coverage | Included, with a plan formulary | Not included — sold separately as Part D | The plan itself: a formulary with tiered copays |
| Who it suits | Bundled extras, lower premiums | Predictable costs, freedom | Seniors who want a stand-alone drug plan |
Your neighbors, not a call center
XactInsure is a locally rooted independent agency. Every advisor on this team lives in the communities we serve — and the same people who answer the phone are the ones who sit with you at enrollment.
Meet the full team on Our Team. Portraits are the team's own headshots.
What Southwest Florida clients say
Quoted from public Google reviews.
“Alston made everything so easy to understand. He explained my plan options in plain English and never pressured me once.”
“Very professional and patient. Took the time to go over every plan until we found the right one for my wife and me.”
Questions we hear every week
Do I need a Medicare Advantage or a Medicare Supplement plan?
It depends on your doctors, prescriptions and budget. Medicare Advantage often has lower premiums with network rules; Medicare Supplement (Medigap) usually costs more monthly but lets you see any provider that accepts Medicare. A licensed local agent can compare both side by side for your ZIP code at no cost.
Is XactInsure free to work with?
Yes. XactInsure is paid by the carriers, never by you, so consultations, plan comparisons and enrollment help are free.
When can I change my Medicare plan?
Most changes happen during the Annual Enrollment Period (October 15 – December 7), for coverage starting January 1. Qualifying life events may open a Special Enrollment Period at other times.
Which areas do you serve?
We serve Fort Myers, Cape Coral, Naples and communities across Lee, Collier and Charlotte counties in Southwest Florida.
What happens at a free plan review?
A licensed advisor reviews your doctors, prescriptions and budget, then compares the plans available in your ZIP code. Reviews take about 30 minutes, by phone or in person, and there is no obligation.
How do I verify your license?
Alston Ebron holds Florida insurance license #G134054 (NPN 21231868). You can verify it any time through the Florida Department of Financial Services license search, linked from our license page.
Book your free 30-minute review
Or call (239) 341-9545 — Mon–Fri 9–6, Sat–Sun 9:30–2:30 ET.