Wellnest Insurance

Wellnest Insurance: independent brokerage for health, Medicare and life coverage

Wellnest Insurance is the trading name under which Bruno Nascimento, a licensed insurance broker since 2010, advises individuals, families, seniors and small businesses on choosing coverage. The agency presents itself as independent, meaning it is not tied to a single carrier and compares multiple major insurers available in a client's area. Insurance sold through the site is processed through the licensed entity Healthcare Brokers of America LLC, which Nascimento founded in 2015 and which later took the Wellnest Insurance name.

The brokerage states that it is licensed in more than 30 states and that it works remotely to provide a flexible service. Its published figures refer to 789 small businesses insured across the United States, 1,500 families secured and 3,000 individuals secured. Nascimento describes himself as fluent in English, Portuguese and Spanish.

Health coverage for individuals, families and the self-employed

The individual and family line covers ACA health insurance with preventive care, doctor visits, hospitalisation and other essential health benefits. The agency also presents itself as an option for self-employed workers and families looking for individual coverage. Alongside the main medical plan, it offers dental, vision and hearing policies intended to cover routine and major services in those areas.

Medicare and senior clients

For people aged 65 and over, the brokerage compares Medicare Advantage (MAPD), Medicare Supplement (Medigap) and Prescription Drug Plans (PDP) to identify the option that fits each case. The site carries a disclaimer stating that the agency is not connected with or endorsed by the United States government or the federal Medicare program, that it may not offer every plan available in an area and that information is limited to the plans it does offer.

Employee benefits and small business plans

For companies, Wellnest Insurance arranges group employee benefits with flexible options and compares traditional plans with level-funded plans to find a cost-effective solution. The brokerage reports 789 small businesses insured across the country and positions this line as comprehensive employee benefits rather than single policies.

Life and supplemental products

The life insurance line includes term life, whole life and universal life options, presented as straightforward coverage to protect a family's financial future. Final expense cover is also mentioned among the specialities. The supplemental range adds long-term care, disability, accident and critical illness, cancer insurance and hospital indemnity plans.

How the advisory process works

The agency describes a three-step method. First, a call is booked at the client's convenience to discuss needs and budget. The broker then shops the market among carriers to find the lowest price on the best-fitting plan. Finally, the client receives an immediate quote by phone and detailed plan information by email before deciding. The site states that Bruno's services are free of cost to the client.

According to the company, the relationship continues after a policy is purchased, with help managing the plan, answering questions and assisting with claims or changes over the life of the policy. The agency attributes to itself an A+ BBB rating and hundreds of 5-star reviews, and cites more than 1,200 clients served across more than 30 states. Testimonials published on the site come from clients in Northbrook (IL), Venice (CA), Houston (TX) and Santa Fe (NM).

Where the brokerage operates

The areas listed as served are Texas, Florida, Jacksonville, Arizona, California, Georgia, Illinois, Alabama, Indiana, Kansas, Maryland, Michigan and Missouri. The agency notes that clients unsure whether their state is covered can ask directly and have the location confirmed.