Independent Medicare Advisor · South Florida
Medicare is the most important insurance decision you will make for the rest of your life.
Most people make it over the phone, in twenty minutes, with someone they will never meet again. We do it differently. We sit down with you, walk through every option, and help you think through what comes after the plan choice.
Counties served
Miami-Dade · Broward · Palm Beach
How we meet
Your home · A coffee shop · Our office
What it costs you
Nothing. We are paid by the carriers.
Direct line
(954) 555-0100The difference
A call center sells you a plan. We help you choose one — and live with it.
In person, not a phone bank.
Most Medicare enrollments happen on a recorded sales call lasting under thirty minutes. Ours start with a coffee. We meet you where you are — in your home, at a coffee shop, or at our office — and we take as long as you need.
Independent, not captive.
We represent multiple carriers, so the recommendation is based on which plan fits you, not which plan we happen to sell. Florida has dozens of Advantage plans and several Supplement carriers. We compare them honestly, including the ones that pay us less.
Past the enrollment, into retirement.
The Medicare decision is one of dozens you will make in the years around 65. Social Security timing. Working past 65. Snowbirding. Long-term care. Life insurance. We do not handle all of it ourselves, but we help you build the checklist and tell you who to talk to next.
Where most people start
The choice everyone faces at 65: Advantage or Supplement.
They are not just two products. They are two different philosophies of how to handle health care for the rest of your life. The trade-offs matter, and one of them is harder to undo than the other.
Option one
Medicare Advantage
All-in-one plans run by private insurers. Low or zero monthly premium. Often includes drug coverage, dental, and vision. Comes with a network of doctors and a yearly out-of-pocket maximum.
The trade: If you get seriously sick, your costs are capped but can still reach $8,000+. You are limited to the plan's network. Your doctor may or may not be in it next year.
Read about Advantage →Option two
Medicare Supplement (Plan G)
A separate policy that pays the gaps Original Medicare leaves behind. Higher monthly premium, but predictable. No network — any doctor in the U.S. who accepts Medicare. Drug coverage purchased separately.
The trade: You pay more each month. In return, you get near-zero medical bills, freedom to see any provider, and a plan that will not change its network on you.
Read about Supplement →There is one Florida-specific wrinkle that most people do not learn about until it is too late: in this state, you generally cannot switch from an Advantage plan back to a Supplement plan after your initial enrollment without going through medical underwriting. If you become sick, you may be locked into the path you chose at 65. We walk through this carefully on the comparison page.
See the full comparison →Who we work with
South Floridians, mostly between 60 and 70.
Approaching 65
You are 60 to 64, starting to think about the transition, and want to plan ahead instead of being rushed at the deadline. We help you build the timeline and avoid the easy mistakes.
Turning 65 this year
You have a window — three months before your birth month, your birth month, and three months after. We use it well. The plan you pick now is harder to change later than most people realize.
Already on Medicare
You enrolled years ago, you are not sure your plan is still the right one, and you want a second opinion. The Annual Election Period each fall is the time to look. We will tell you honestly whether to switch.
Moving to Florida
You are relocating from another state and your old plan does not work here. Florida is its own market, with its own rules. We help you land softly and avoid coverage gaps.
Free guide
The Turning 65 Checklist →
Everything to do, in order, in the eighteen months around your 65th birthday.
Florida-specific
Snowbird Medicare Guide →
How to keep coverage that works in two states without paying for two plans.
Common situation
Working Past 65 →
When to enroll in Medicare if you are still on an employer plan, and when to wait.
About the advisor
[ADVISOR NAME], your advisor.
[Replace this with a 3–4 paragraph bio. Cover: where the advisor is based, when they got into Medicare specifically, why, who they tend to work with, and a personal detail that makes them memorable. The bio carries most of the EEAT signal on this page — it should sound like a person, not a company.]
[Second paragraph: the philosophy. What does the advisor believe about how Medicare should be sold? Why do they meet in person when most agents do not? This is where the concierge positioning lives.]
[Third paragraph: credentials, designations, professional memberships, anything that establishes expertise — written conversationally, not as a resume.]
Licensed since
[YEAR]
National Producer Number
[NPN]
Florida License
[FL License #]
Carrier appointments
[List 5–8 carriers]
Questions
What people ask before booking
Do you charge for a consultation?
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No. We are paid by the insurance carriers, not by you, and only when we place a policy. The orientation call and the in-person consultation are free regardless of whether you decide to work with us.
Do you sell every Medicare plan available in Florida?
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No advisor does. We are independent, which means we represent multiple carriers and can compare their plans side by side, but we are not contracted with every carrier in the market. We will tell you what we offer and where to look for plans we do not.
Where do you meet with clients?
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In person at your home, at a coffee shop near you, or at our office. The first conversation is usually a 15-minute call to figure out whether a longer in-person meeting makes sense.
Do you only work with people turning 65?
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No. We work with people from age 60 onward — well before Medicare eligibility — so they can plan ahead. We also work with people already on Medicare who want a second opinion on their current coverage.
What areas of South Florida do you cover?
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Miami-Dade, Broward, and Palm Beach counties. We meet with clients from Miami Beach to Jupiter and everywhere in between.
Next step
The first conversation is fifteen minutes.
No forms. No quotes. Just a call to figure out where you are, where you want to be, and whether a longer conversation makes sense. If it does not, we'll point you somewhere helpful.