Do You Serve Miramar, and How Can We Meet?

Yes. I work with clients throughout Miramar, and you can choose how we meet: at my Fort Lauderdale office, at your home in Miramar, over the phone or on a Zoom call.

What Types of Insurance Do You Help With in Miramar?

A large share 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 50 or fewer employees with group plans, 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 need a Special Enrollment Period, I can walk you through it. I offer dental, vision, life and supplemental insurance as well, so your whole household’s coverage can be handled by one person.

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

When you call a call center, or an agency that hands you from one person to the next, you may end up explaining your situation to someone new every time. With me, you work with the same person from the first conversation on: 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, call-backs that never came, phones answered by an automated system, and nobody around once a problem came up after enrollment. 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 also begin by asking about your health, your budget, your doctors and your prescriptions, and then I show you a full-year cost estimate for each option and explain it at your pace.

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 through the Florida Department of Financial Services (Florida License #W323530, NPN #17946070). 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 Miramar?

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

I also look past the premium. The deductible, copays, drug costs and out-of-pocket maximum all shape what a plan truly costs over a year, and I estimate that full figure for every option we compare. If you may qualify for financial help with a Marketplace plan or with Medicare prescription drug costs, I’ll explain what that could mean for you.

Will My Plan Cover Memorial Hospital Miramar and My Doctors?

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

When Should I Start Looking at Plans?

For Medicare, the Annual Enrollment Period for 2027 plans runs from October 15 to December 7, 2026, and any changes 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 month, and losing employer coverage or moving can open a Special Enrollment Period. Starting early gives us time to get it right. Get your free quote and I’ll help you pin down your dates.