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
President, Founder & Licensed Independent Broker
NPN: 18509281Al 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 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.
Ready to Talk to a Real Medicare Expert?
No robots. No hold music. Just a licensed agent who knows Medicare inside and out.