Welcome to
"Whether you're seeking guidance on insurance options, need help with Social Security planning, or simply have questions about securing your future, you've come to the right place. Browse through our services, explore helpful resources, and don't hesitate to reach out if you need personalized assistance. We're here to help you make informed decisions with confidence."
-Kate Spilsbury, Owner of Mere and Principal Agent
States Licensed in:
Arizona
California
Florida
Georgia
New Jersey
North Carolina
Maryland
Texas
Utah
Meet Our Team of Licensed Professionals:
The people behind your peace of mind—dedicated experts who make insurance feel personal.
Kate Spilsbury
Mere Benefits Owner and Insurance Agent
(English and Spanish)
About Kate
Kate Spilsbury, the founder and owner of Mere, is a fourth generation Floridian fueled by the thriving entrepreneurship community in Jacksonville. To feed her passion for helping others, upon graduating with her bachelor’s degree from Brigham Young University in Utah, Kate immediately served a 19-month mission for her church, where she learned how to speak Spanish. Kate received her license to sell insurance in 2007 and has lived and worked throughout Northeast Florida since 2008.
After being in the corporate insurance environment for over 8 years and managing a non-profit for 2 years, Kate decided to pursue one of her dreams... to build and operate her own insurance agency. Kate has been involved in many community organizations and opening an insurance agency was a natural fit and a unique way to continue serving her community. As a wife and mother to two energetic children under the age of 10, and Adult Sunday School Teacher of her local Church, Kate knows what it is like to be a busy business owner.
Worley Richards
Insurance Agent
(English)
About Worley
Worley Richards joined Mere Benefits with a mission: to help people feel confident and cared for when it comes to their health insurance. With a license dating back to 2003 and experience supporting Medicare clients since 2019, she brings both deep knowledge and genuine compassion to those she serves.
Before entering the world of health insurance full-time, Worley spent over a decade as an adult education and ESOL instructor. That teaching background shows up in her work every day—she believes informed clients make empowered choices, and she's here to guide them every step of the way.
Outside of work, you’ll likely find Worley experimenting in the kitchen, tending to her garden, planning her next travel adventure, or soaking up the sounds of a live jazz concert.
Meet Our MereCare Team:
The MereCare Team helps with scheduling, onboarding, and year-round support—so you’re never navigating your health coverage alone.
Ellen Janine Lamorena
Customer Service Specialist
(English, Tagalog and Ilocano)
I can Help you with Medicare and ACA/Marketplace
About Ellen
Hi, I’m Ellen!
What I enjoy most about working at Mere is knowing I’m making a real difference—helping people feel supported and confident in their health insurance decisions. Being part of a team that values compassion and clarity motivates me to give my best every day.
I got married in 2020 and had my first baby in 2021—my family is my greatest inspiration. In my free time, I love watching movies and sitcoms, dancing, traveling, and enjoying Asian cuisine. I’m open-minded, eager to grow, and always up for a challenge. Most of all, I genuinely enjoy helping others and bringing a thoughtful, diligent approach to everything I do.
Rica Mae Hojas
Customer Service Specialist
(English, Spanish,Tagalog, and Visaya)
I can Help you with Medicare, ACA/Marketplace, Group Benefits and RSSA
About Rica
Hi, I’m Rica!
What I love most about working at Mere is the heart behind everything we do—making sure every client feels truly cared for and understood. With the training and support I've received, I'm committed to listening closely, offering guidance, and making the process feel simple and supportive.
I’m someone who finds joy in the little things—good food, meaningful moments, and planning future travel adventures. I value time with family and creating space for what matters most. I look forward to helping clients feel confident in the choices they make.
Chev Escusa
Customer Service Specialist
(English, Tagalog, and Ilocano)
I can Help you with Medicare, ACA/Marketplace, and Group Benefits
About Chev
Hi, I’m Chev!
What I love most about working at Mere is the opportunity to genuinely connect with people and help make their day a little easier. It’s fulfilling to be part of a team that values kindness, clarity, and support in every interaction.
Outside of work, you’ll often find me behind the camera capturing everyday moments, binge-watching a good series, or staying active with table tennis and badminton. I also love cooking Filipino dishes—it’s one of my favorite ways to share a piece of home. I believe in continuous growth, finding joy in the little things, and always making time for what matters most—especially my family and my child.
Our Location:
9428 Baymeadows Rd. STE 137, Jacksonville, FL. 32256
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Frequently Asked Question
Why should I work with Mere?
Mere provides personalized assistance and clear guidance to help you understand your insurance and retirement options. The goal is to simplify the process, avoid unnecessary coverage gaps or costs, and tailor solutions that fit your individual needs.
How can Mere help me find the right health insurance plan?
The team takes time to assess your healthcare needs, budget, and preferences to recommend plans that make sense for you. Whether you're exploring Marketplace options or private coverage, Mere ensures you're well-informed every step of the way.
How do I schedule a consultation?
You can book a consultation directly through the website, call the office at (904) 654-5450, or use the appointment links provided below:
- Medicare (https://host.safemsngr.com/widget/groups/mere)
- ACA/Marketplace (https://host.safemsngr.com/widget/groups/acamereappt)
What types of health insurance plans are available through Mere?
Mere offers access to a range of plans including HMOs, PPOs, EPOs, and POS options. You'll receive help comparing the benefits and limitations of each plan so you can confidently choose the one that aligns with your healthcare needs and financial goals.
Can Mere assist with Medicare and Medicaid plans?
Yes, Mere offers guidance on eligibility, enrollment, and navigating both Medicare and Medicaid programs. The team can also help with understanding dual eligibility and coordinating benefits across different programs.
Does Mere help with retirement planning too?
Yes. Mere offers Social Security optimization and retirement planning services. With a Registered Social Security Analyst (RSSA®) on the team, you’ll get expert help maximizing your benefits and creating a financial plan for retirement.
Can I still get coverage if I have a pre-existing condition?
Absolutely. The team will walk you through health plans that cover pre-existing conditions and help you access care without delay or denial based on your medical history.
What types of services do you offer?
We specialize in Medicare, Marketplace Health Plans, Employer Group Benefits, Life Insurance, Social Security Optimization, and more.
Who do you typically work with?
We work with individuals, families, retirees, entrepreneurs, and small business owners who want trusted, personalized guidance for their health and financial future.
This is a solicitation of insurance. A licensed insurance agent with Mere is contracted with multiple carriers offering Medicare Advantage and Prescription Drug Plans. Enrollment depends on contract renewal. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY:1-877-486-2048) to get information on all your options.
This site is owned and operated by Mere, an independent insurance agency. It is not associated with, endorsed by, or authorized by the Social Security Administration, the Department of Health and Human Services, or the Centers for Medicare and Medicaid Services. For official information about Medicare, visit www.medicare.gov.
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Licensed Insurance Agency
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
This website is not affiliated with or endorsed by any government agency, including the United States government, the federal Medicare program, the Social Security Administration, the Department of Health and Human Services, or the Centers for Medicare & Medicaid Services.
This is a proprietary website and is not associated with Healthcare.gov.
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We’re committed to making our website accessible to everyone. If you have any difficulty accessing any part of our site, please call 904-654-5450 or email info@merebenefits.com. We’ll be happy to help.
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