Albert Cruz and Marilena Cruz are independent representatives serving families and small businesses across the Northeast — New York, New Jersey, Pennsylvania, Maryland, Delaware, Connecticut, Massachusetts, Rhode Island, New Hampshire, Washington DC, Ohio, Michigan and Illinois — with most services available nationwide.
Looking at your options for healthcare costs?
If you’re self-employed, between jobs, or simply paying more than you’d like for traditional coverage, there is another model worth understanding: community-based healthcare sharing programs, where members share one another’s eligible medical costs. Programs typically include telehealth access, and dental, vision and pharmacy discounts. It is not health insurance and it is not right for every household — which is exactly why we price it for your family rather than quote an average.
Other services we can set up
- Energy services — electricity and natural gas supply in deregulated markets
- Identity theft protection — comprehensive identity and device protection plans
- Wireless service — on one of the nation’s largest, fastest and most reliable 5G & 4G LTE networks
- High-speed fiber internet
- Satellite TV
- Home security and monitoring
- Merchant services — credit card processing for small businesses
- Digital banking — a mobile-first banking option launching December 1st; ask us for details
Tell us what you’re paying today and we’ll walk you through what’s available in your area.
Which states do Albert and Marilena cover?
New York, New Jersey, Pennsylvania, Maryland, Massachusetts, Connecticut, Rhode Island, Washington DC, Delaware, New Hampshire, Michigan, Illinois and Ohio, plus many other states. Ask us about yours — most of the services we carry are available nationwide.
Is a healthcare sharing program the same as health insurance?
No. A community-based healthcare sharing program is a different model, where members share one another’s eligible medical costs. It is an alternative to traditional insurance, not insurance, and it is not right for every household.
What will it actually cost me?
That depends on your household size, your ages and what you need covered. Call us and we will price it for your family rather than quote you an average. Individual results vary.
Albert Cruz and Marilena Cruz are independent representatives and independent contractors. They do not represent, and do not speak on behalf of, any company or service provider. FindSalesRepNow.com is an independent directory, not affiliated with, endorsed by or sponsored by any company listed. Updated November 2026.
Contact this rep
Send a message and it goes straight to them. No middleman.
FindSalesRepNow connects you directly with the rep. We never share or sell your information.
