Do You Serve Margate, and How Can We Meet?

I do. Margate is a short drive from my Fort Lauderdale office, and I have clients throughout the city. We can meet at my office, at your kitchen table, by phone or over Zoom, whichever suits you best.

Which Types of Insurance Do You Help Margate Residents With?

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.

If you may qualify for Extra Help, are eligible for both Medicare and Medicaid, are looking at a Special Needs Plan or think you qualify for a Special Enrollment Period, I can walk you through it. I also offer dental, vision, life and supplemental insurance, so your household’s coverage can be handled by one person.

How Do You Compare to Other Health Insurance Agents in Margate?

Call a call center, or an agency where clients get handed from one person to the next, and you may end up explaining your situation to someone new every time. Work with me and you always deal with the same person, me. You have my direct line, there’s no assistant or call center in between, and I reply within 24 to 48 hours.

People tell me about agents who were hard to reach, promised a call-back that never came, disappeared after enrollment, or never asked what they actually needed. I do it differently. I ask about your health, your budget, your doctors and your prescriptions before I suggest anything, I show you a full-year cost estimate for each option and explain it at your pace, I help with claims and billing after you enroll, and I review your coverage with you every year.

I bring 14 years in insurance, I’ve been 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) 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 Margate?

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 ongoing support come at no extra cost. Your quote and plan review are free, and you’re under no obligation to enroll.

Keep in mind that the premium is just one piece of what you’ll spend in a year. I add up the deductible, copays, drug costs and out-of-pocket maximum to give you a realistic full-year estimate for each plan. If you may qualify for financial help with a Marketplace plan or with Medicare prescription drug costs, I’ll go over that with you too.

Will My Plan Cover Margate Hospitals and My Doctors?

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

When Should I Start Looking at Plans?

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

If you’re approaching 65, you have a seven-month Initial Enrollment Period around your birthday month, and losing job-based coverage or moving can open other windows. Starting early gives us time to compare carefully. Get your free quote and I’ll help you pin down your dates.