Our Member Spotlight series celebrates the independent reps who make FindSalesRepNow what it is. Every rep featured is an independent representative — not an employee or corporate agent of any company named.
Meet Albert & Marilena Cruz
If you are self-employed, or you buy your own family coverage, you already know the trap: the premium goes up every year and the deductible goes up with it. You pay more and more for a plan you hope you never have to use.
Albert and Marilena Cruz work with families in exactly that position. They are independent representatives for Impact Healthshare, a community-based healthcare sharing program, and their pitch is refreshingly plain: you are not locked into the marketplace anymore.
What the program actually includes
- Plans starting at $73 a month
- You pay for your first three family members — the rest are included
- Unlimited MD Live telehealth and mental health telehealth at no extra cost
- 50 chiropractic visits a year
- Dental, vision and pharmacy discounts
Families who switch from traditional insurance to community-based sharing commonly cut their monthly healthcare cost by 30 to 60 percent. Albert and Marilena will walk you through whether that math works for your household, without a call centre in the middle.
More than healthcare
They also handle a range of everyday household bills most of us never think to renegotiate: Xoom Energy electric and gas, IDSeal identity protection, Flash Mobile cellular, AT&T Fiber internet, DirecTV, Vivint home security, and NMI credit card processing for business owners. Most of those are available nationwide. If you would rather have one person who knows your situation handling all of it than five different 1-800 numbers, that is the appeal.
Where they serve
New York, New Jersey, Pennsylvania, Maryland, Massachusetts, Connecticut, Rhode Island, Washington DC, Delaware, New Hampshire, Michigan, Illinois and Ohio, plus a number of other states. If your state is not on that list, ask anyway — the coverage map is wider than the headline.
Get in touch
Call 215-971-4416, or send a message straight through their listing — it goes directly to them, with nobody in between.
See Albert & Marilena Cruz’s full listing →
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