Group Benefits | Medicare | Life Insurance | Annuities
Serving our communities in English and Spanish – Se habla español.
Medicare Guidance
Understanding Medicare can feel overwhelming. We help you compare plans, understand your coverage options, and guide you through enrollment so you can choose a plan with confidence.
Health Coverage for Individuals & Businesses
We believe insurance should be clear and accessible.
Our team provides personalized guidance every step of the way — in English and Spanish.
Get Help Choosing the Right Coverage
Whether you’re exploring Medicare, Group Health, Vision, or Dental plans, our team is here to guide you every step of the way.
Personalized support in English and Spanish.
Find the Health Coverage That’s Right for You
Medicare
Medicare is health insurance for people aged 65 or older, people under age 65 with certain disabilities, and/or people of any age with End-Stage Renal Disease, or ESRD (permanent).
Group Health for Businesses
Provide your employees with quality healthcare coverage. We help businesses find affordable group health plans that protect their teams while keeping costs manageable.
Vision & Dental Coverage
Protect more than just your health. Vision and dental plans help cover routine care, preventive visits, and treatments that keep you and your family healthy.
Medicare Guidance You Can Trust
We help you compare plans, understand your benefits, and enroll with confidence through clear, personalized support.
Enroll with Confidence
Easily compare coverage options and enroll in Medicare Advantage, Prescription Drug, and Medicare Supplement plans with experienced guidance every step of the way.
Part A
Hospital Insurance
Helps to cover inpatient care in hospitals. Also helps to cover skilled nursing facilities, hospices, and home health care.
Part B
Medical Insurance
Helps to cover doctors’ services, outpatient care, and home health care. Also helps to cover some preventive services to help maintain your health and to keep certain illnesses from getting worse.
Part C
Medicare Advantage Plus (HMO or PPO)
A health coverage option run by private insurance companies approved by, and under contract with, Medicare. Includes Part A, Part B, and usually other coverage like prescription drugs.
Part D
Medicare Prescription Drug Coverage
A prescription drug option run by private insurance companies, approved by and under contract with, Medicare.
Smart coverage options that help your business thrive.
Group Health Plans for Your Business
Providing quality health benefits is one of the most important investments you can make in your employees. We help businesses of all sizes compare group health plan options, manage costs, and choose coverage that supports both their team and their bottom line. Our advisors guide you through plan selection, compliance, and enrollment with personalized support every step of the way.
PEO Marketplace Expertise
We help businesses evaluate Professional Employer Organizations (PEOs) by comparing group health plans and services across 20+ PEO providers. Our team analyzes pricing, benefits, and service offerings to help you select the solution that best fits your workforce and operational needs.
Level-Funded Group Medical Plans
We offer level-funded health plans designed to provide lower premiums for healthier employee populations while maintaining comprehensive coverage. Businesses may also benefit from additional savings when bundling medical coverage with dental and vision plans.
FMLA & State Paid Leave Support
Businesses that work with us receive dedicated support for FMLA and state paid leave programs from a SHRM-credentialed HR specialist. This guidance helps employers navigate compliance requirements and employee leave policies—at no additional cost.
Benefits Administration & PTO Management
We offer access to benefits administration platforms and PTO tracking software, helping streamline employee enrollment, benefits management, and time-off tracking in one convenient system.
Affordable plans that help protect your smile and support healthy vision.
Dental & Vision Coverage
Dental and vision coverage play an important role in maintaining overall health and well-being. At Pillar Solutions, we help individuals, families, and businesses find affordable plans that include preventive care, routine exams, and essential treatments.
Our goal is to help you complete your coverage with plans that support long-term health while keeping costs manageable. From regular dental cleanings and exams to eye exams and corrective lenses, we work with you to find coverage that fits your needs and budget.
Individual & Group Life Insurance
Protect what matters most with the right life insurance coverage.
Life insurance provides financial protection and peace of mind for families, employees, and business owners. At Pillar Solutions, we help individuals and organizations explore both individual and group life insurance options designed to support long-term financial security.
Whether you are looking to protect your family, provide employee benefits, or create additional financial protection for your business, we work with you to compare plans, understand coverage options, and select solutions that align with your goals and budget.
Annuities
Strategies designed to support long-term financial stability.
Annuities can play an important role in building financial security and creating a reliable income stream for the future. At Pillar Solutions, we help clients understand how annuities may fit into their broader financial strategy.
We guide individuals through available options, helping them compare products and select solutions designed to support retirement planning, income stability, and long-term financial confidence.
Hiram Gandia Torres
Founder & Principal Broker | Pillar Solutions
Contact Information:
Meet the Founder of Pillar Solutions
Hiram Gandia Torres is the founder of Pillar Solutions, an independent insurance brokerage dedicated to helping individuals, families, and businesses make informed decisions about their financial protection and employee benefits.
As a bilingual broker fluent in English and Spanish, Hiram and his team work closely with clients to design coverage strategies that support both long-term security and day-to-day needs. Pillar Solutions provides guidance across a range of services including Medicare planning, group medical benefits, vision and dental coverage, individual and group life insurance, and annuities.
Known for his transparent and consultative approach, Hiram takes the time to simplify complex insurance options, compare plans across carriers, and ensure clients understand the solutions available to them. His goal is to help clients protect what matters most while building coverage strategies that support their families, employees, and future.
Through Pillar Solutions, Hiram and his team proudly serve communities across multiple states while providing bilingual support to ensure clients feel confident and informed every step of the way.
Hiram Gandia Torres es el fundador de Pillar Solutions, una firma independiente de corretaje de seguros dedicada a ayudar a individuos, familias y empresas a tomar decisiones informadas sobre su protección financiera y beneficios de cobertura.
Como corredor bilingüe que habla inglés y español, Hiram trabaja con su equipo de cerca con sus clientes para diseñar estrategias de cobertura que apoyen tanto la seguridad a largo plazo como las necesidades del día a día. Pillar Solutions ofrece orientación en una variedad de servicios que incluyen planificación de Medicare, beneficios médicos grupales, cobertura de visión y dental, seguros de vida individuales y grupales, y anualidades.
Conocido por su enfoque transparente y consultivo, Hiram y su equipo toman el tiempo para simplificar opciones complejas de seguros, comparar planes entre diferentes compañías y asegurar que sus clientes comprendan plenamente las soluciones disponibles para ellos. Su objetivo es ayudar a sus clientes a proteger lo que más importa mientras desarrollan estrategias de cobertura que respalden a sus familias, empleados y su futuro.
A través de Pillar Solutions, Hiram sirve con orgullo a comunidades en varios estados, ofreciendo apoyo bilingüe para que cada cliente se sienta seguro e informado durante todo el proceso.
Real experiences from individuals, families, and businesses we’ve helped protect.
What Our Clients Are Saying
We take pride in providing clear guidance, personalized support, and trusted coverage solutions. From Medicare to group health and life insurance, our clients rely on us to help them make confident decisions about their future. See what people are saying about working with our team.
— Patricia, Medicare Client
— Mike, Roofing Company Owner
— Daniel, Individual Client
— Sarah, Clinical Practice Manager
— María, Cliente Individual
— Luis, Empresa de Construcción
— Carmen, Cliente de Medicare
— Jennifer, Family Coverage Client
— Emily, Nonprofit Program Director
— Jason, Software Company Founder
Let’s Talk About Your Coverage
Get personalized guidance for Medicare and health insurance plans.
Have questions about Medicare, group health, vision, or dental coverage? Our team is here to provide clear answers and personalized support. Whether you’re comparing plans or ready to enroll, we’ll help you make confident decisions every step of the way.
English and Spanish assistance available.
Se habla español.
