Do You Serve Pembroke Pines, and How Can We Meet?

Yes. I work with clients in every part of Pembroke Pines, from the neighborhoods along University Drive out to the communities west of I-75. We can meet at my Fort Lauderdale office, at your home, over the phone or on Zoom, whichever is easiest for you.

What Types of Insurance Do You Help With in Pembroke Pines?

Much of my work is Medicare: Medicare Advantage, Medicare Supplement (Medigap) and Part D prescription drug plans, along with guidance for people turning 65 or retiring from employer coverage. I also help individuals and families with ACA Marketplace and off-Marketplace plans, small businesses with group plans for 50 or fewer employees, and self-employed people who need coverage of their own.

Beyond that, I assist people who may qualify for Extra Help, Medicare and Medicaid dual eligibility, Special Needs Plans or a Special Enrollment Period, and I offer dental, vision, life and supplemental insurance. That way your household’s coverage can be handled by one person who knows your situation.

How Do You Compare to Other Health Insurance Agents in Pembroke Pines?

When you call a call center, or an agency where you get handed from one person to the next, you may be starting over with someone new every time. With me, you always deal with the same person: me. You have my direct line, there is no assistant or call center in between, and I get back to you within 24 to 48 hours.

Waiting on a call-back that never arrives, reaching an automated system instead of a person, or having no one to turn to when a problem comes up after enrollment are the complaints I hear most often. I stay with you after you enroll to help with claims and billing, and I sit down with you every year to review your coverage. I begin by asking about your health, your budget, your doctors and your prescriptions, and only then do I show you a full-year cost estimate for each option, explained at whatever pace suits you.

I bring 14 years in insurance, I’ve been named a Top 100 HealthMarkets agent every year from 2022 through 2026, and I’m licensed in 33 states. You can verify my license (Florida License #W323530, NPN #17946070) at any time through the Florida Department of Financial Services. My help is free to you, since premiums are generally the same whether you enroll through me or directly with the insurance company.

Do You Offer Every Medicare Plan in Pembroke Pines?

No. We do not offer every plan available in your area. Currently we represent 8 organizations which offer 65 products in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day, 7 days a week, to get information on all of your options. In Florida, you can also get free Medicare counseling through the state’s SHIP program, called SHINE.

Does It Cost Anything to Work With You?

No. Plan premiums are generally the same whether you enroll through me or directly with the insurance company, so my help and the support that follows come at no extra cost to you. Your quote and plan review are free, and there is no obligation to enroll.

Keep in mind that the premium is just one piece of the picture. I add up the deductible, copays, drug costs and out-of-pocket maximum to estimate what a plan would really cost you over a full year. If you may qualify for financial help with a Marketplace plan or with Medicare prescription costs, I’ll walk you through what that could mean.

Will My Plan Cover the Hospitals and Doctors I Use in Pembroke Pines?

That depends on the plan, because every plan has its own network. Give me the names of your doctors, your preferred hospital and your pharmacy, and I’ll check each one against every plan we compare. If anything needs confirming, I’ll call your doctor’s office directly.

When Should I Start Looking at Plans?

Medicare’s Annual Enrollment Period for 2027 plans runs from October 15 to December 7, 2026, and any changes you make take effect January 1, 2027. For ACA Marketplace plans, Open Enrollment for 2027 coverage opens November 1, 2026, and you need to enroll by December 15, 2026 for coverage that starts January 1, 2027.

If you’re turning 65, your Initial Enrollment Period is a seven-month window around your birthday, and losing job-based coverage or moving can open a Special Enrollment Period as well. Starting early gives us time to get it right. Get your free quote and I’ll help you pin down your dates.