JEMS Insurance

Medicare & Insurance Help in Chicagoland —

En Inglés y en Español

También hablamos español. JEMS of Insurance Group is a bilingual Medicare broker and independent insurance agency serving seniors and families across Chicagoland — with 21 local agents and a team that knows your name.

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Integrity Partner since June 2024 — one of the nation's largest FMOs
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Licensed since 2011 — 15+ years serving Chicagoland
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21 agents, grown through referrals — not a call center
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90%+ of clients served in Spanish
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In-person consultations available in North Riverside, IL

Turning 65 is a milestone — and Medicare doesn't make it simple. Between Medicare Advantage, Supplement plans, Part D drug coverage, and enrollment windows that don't wait, most people arrive at 65 with more questions than answers. JEMS of Insurance Group has been guiding Chicagoland seniors through every step of that process since 2011.


We're an independent agency, which means we're not tied to a single carrier or plan. We compare options across the market and help you choose coverage that fits your doctors, your prescriptions, and your budget. No pressure. No confusion left on the table.


And for the more than 90% of our clients who feel most comfortable in Spanish — we're ready for that conversation from the first word.

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Coverage for Every Stage of Life — Medicare, Health, Life, and Retirement

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Medicare Plans

Medicare Advantage, Supplement, Part D, Special Needs Plans, and enrollment guidance for turning-65 seniors across Illinois.

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Life Insurance

Final expense and whole life insurance that gives your family security without financial burden when it matters most.

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Retirement Planning

Fixed indexed annuities and hospital indemnity insurance to help your income and coverage hold steady in retirement.

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Health Insurance

ACA Marketplace plans for individuals and families under 65 — including coverage options for the Hispanic community across Chicagoland.

A Bilingual Insurance Agency Built for This Community

Most insurance agencies in Chicagoland offer a disclaimer at the bottom of the page: "Se habla español." At JEMS, Spanish isn't a secondary service — it's how we work. More than nine in ten of our clients are Spanish-speaking, and our entire team, including office staff Carmen and Amelia, communicates in Spanish as naturally as English.


That matters in Medicare and insurance because a misunderstood term or a missed enrollment window can cost real money. When your agent speaks your language fluently, you ask better questions, understand your options clearly, and make decisions you feel confident about.


We serve seniors and families across North Riverside, Cicero, Berwyn, Waukegan, Elgin, Aurora, and Chicago's South Side. If you're looking for a bilingual Medicare insurance agent near you in Chicago or the surrounding suburbs, we're here.

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How JEMS Works With You

A Conversation in Your Language

We start by listening — in Spanish or English, whichever feels natural. You tell us about your situation, your doctors, your medications, and what matters most to you in a plan.

A Clear Comparison of Your Options

As an independent agency with access to carriers across the Illinois market through our Integrity Partner network, we compare plans side by side and explain the differences in plain language — no jargon, no pressure.

Enrollment Handled for You

We walk you through the paperwork and enrollment process from start to finish. And after you're enrolled, Carmen and Amelia are here for any questions that come up along the way.

When You Call JEMS, You Reach People Who Know You

One of the most common frustrations in insurance is calling for help and reaching someone who has never heard your name. At JEMS, Carmen and Amelia handle the majority of ongoing client service — and they're here consistently. When you have a question about a claim, a plan change, or an upcoming enrollment period, you're reaching the same familiar people, not a new representative reading from a script.


That kind of continuity isn't standard in this industry. For us, it's how we've built a client base that grows almost entirely through referrals.

Frequently Asked Questions About Medicare and Insurance in Chicagoland

  • What's the difference between Medicare Advantage and Medicare Supplement?

    Medicare Advantage replaces Original Medicare with an all-in-one plan through a private insurer, often including drug and dental coverage. Medicare Supplement (Medigap) works alongside Original Medicare to cover costs like copays and deductibles. The right choice depends on your health needs, your preferred doctors, and your budget — and we'll walk you through both options.

  • When should I enroll in Medicare?

    Most people become eligible for Medicare at age 65. Your Initial Enrollment Period opens three months before your 65th birthday and closes three months after. Missing this window can result in permanent late-enrollment penalties, so timing matters. Our agents help you track your dates and file on time.

  • Do you have a bilingual Medicare insurance agent near me in Chicago?

    Yes. JEMS of Insurance Group serves the entire Chicagoland area with bilingual Spanish-English agents. We have a physical office in North Riverside, IL, and serve clients across Chicago, Cicero, Berwyn, Waukegan, Elgin, Aurora, and the South Side — in person, by phone, or by appointment.

  • Is there a cost to work with JEMS?

    No. Our consultations are free, and as an independent broker, we're compensated by the insurance carriers — not by you. You get unbiased guidance across multiple plan options at no out-of-pocket cost.

  • Do you help with insurance beyond Medicare?

    Yes. In addition to Medicare plans, we offer ACA Marketplace health insurance for individuals and families under 65, life insurance, final expense coverage, and retirement planning through fixed indexed annuities. One agency, one trusted team, for every coverage need.

Talk to a Local Agent Today

 — In English or Spanish

You deserve an insurance agency that knows your community, speaks your language, and picks up the phone when you call. JEMS of Insurance Group has served Chicagoland since 2011, and we're ready to help you find the right Medicare or insurance plan — on your terms.


Call us at our local 708 number or request a free consultation online. Carmen, Amelia, and the rest of our team are here.