BBB Accredited · Licensed Independent Agency
Talk with us: 855-906-0585

Our Team

Meet Our Licensed Medicare Specialists

Real people. Real expertise. No call centers, no runaround — just honest guidance from agents who genuinely care.

Alphonse Lucarelli II

Alphonse Lucarelli II

President, Founder & Licensed Independent Broker

NPN: 18509281

Al founded Covering America Insurance with a singular vision: to cut through the confusion of Medicare and make sure no American faces that decision alone. A University of Michigan BBA graduate, he combines sharp business acumen with a deeply personal commitment to client advocacy.

His team represents dozens of top-rated carriers so every recommendation is driven by what's best for the client, never by commission. Al's leadership philosophy centers on education, transparency, and lifelong service.

Insurance Specialties

  • Medicare Supplement / Medigap
  • Medicare Advantage
  • Medicare Part D
  • ACA Health Plans
  • Life & Final Expense
  • Dental / Vision / Hearing
Joseph Luis Medina

Joseph Luis Medina

CEO & Licensed Independent Broker

NPN: 20444803

Joseph has dedicated 18 years to educating, advising, and assisting Medicare beneficiaries in understanding their coverage options. His philosophy is simple: every client deserves to fully understand their options so they can make an informed decision that's in their best interest.

Known for his direct, honest, and educational approach, Joseph encourages clients to ask as many questions as needed — because there is never a wrong question, and sometimes the same question deserves to be answered more than once.

Insurance Specialties

  • Medicare Supplement / Medigap
  • Medicare Advantage
  • Medicare Part D
  • Carrier Underwriting
  • Plan Design
  • Annual Plan Reviews

Why Work with an Independent Agent?

We Work for You

Independent agents represent dozens of carriers — not just one. Our loyalty is to you, not to an insurance company.

More Choices, Better Rates

We compare every top-rated plan in your area so you always see the full picture and get the best value.

Free for Life

Our service is 100% free — before enrollment, at renewal, and every year after. We're your advocate for life.

Licensed insurance agents consulting with a client in a professional office setting

Ready to Talk to a Real Medicare Expert?

No robots. No hold music. Just a licensed agent who knows Medicare inside and out.