Do You Serve Lighthouse Point, and How Can We Meet?

Yes. Lighthouse Point is an easy drive from my Fort Lauderdale office, and I have clients across the city. We can meet at my office, at your home, by phone or over Zoom, whichever suits you.

What Types of Coverage Do You Help With in Lighthouse Point?

Medicare makes up much of my work: 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, so your household’s coverage can be handled by one person.

How Do You Compare to Other Health Insurance Agents in Lighthouse Point?

At a call center, or at an agency where you’re handed from one person to the next, you may end up speaking with someone new every time you call. With me, you always work 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.

Many people tell me about agents who were hard to reach, promised a call-back that never came, or disappeared once the enrollment was done. I stay on after you enroll to help with claims and billing, and I review your coverage with you every year. I begin by asking about your health, your budget, your doctors and your prescriptions, then walk you through a full-year cost estimate for each option at a pace that works for you.

I bring 14 years of experience, 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 Lighthouse Point?

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. Premiums are generally the same whether you enroll through me or directly with the insurance company, so my help and my ongoing support come at no extra cost to you. Your quote and plan review are free, and you’re under no obligation to enroll.

Keep in mind that the premium is only one piece of what a plan really costs. I add up the deductible, copays, drug costs and out-of-pocket maximum to estimate your true cost for the year. If you may qualify for financial help with a Marketplace plan or with Medicare prescription drug costs, I’ll go over those options with you as well.

Will My Plan Cover the Hospitals and Doctors Near Lighthouse Point?

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

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 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 month, and losing job-based coverage or moving can open other windows as well. Starting early gives us time to compare carefully. Get your free quote and I’ll help you pin down your dates.