How Much Does It Cost to Work With You?

Nothing. My help comes at no extra cost to you, and plan reviews and quotes are free with no obligation to enroll. I’m paid a commission by the insurance company when you enroll in a plan through me, and that commission is already built into the plan’s premium, so you pay the same whether you enroll through me or directly with the carrier. Your actual yearly cost depends on the plan itself: premium, deductible, copays, drug costs, and out-of-pocket maximum. I give you a full-year estimate for each option, and all quotes are estimates until you’re enrolled.

Are You an Insurance Company?

No. Insurance companies issue the policies and pay the claims. I’m an independent licensed agent with HealthMarkets Insurance Agency, Inc., and my role is to compare plans from several companies and help you choose. I don’t offer every plan available, and I’ll always be clear about which plans are available through me.

Why Should I Work With You?

You work with me directly. I handle every client personally, with no hand-offs to an assistant or call center, and I reply within 24 to 48 hours. Before I recommend anything, I check your doctors, hospitals, prescriptions, and pharmacy against each plan, and because I know the South Florida health systems my clients rely on, including HCA Florida, Memorial Healthcare System, and Baptist Health, I can spot network problems others might miss.

I’m independent, so I compare plans from multiple carriers side by side and look at your true yearly cost, not only the premium. There’s no pressure, no obligation to enroll, and my help costs you nothing extra. I’m licensed in 33 states, complete annual Medicare training and certification, and have helped more than 1,800 clients over 14 years in insurance. After you enroll, I review your coverage every year and help with claims and billing in between, which is a big part of why 85% to 87% of my clients stay with me year after year, based on my own client records.

How Do I Know an Insurance Agent Is Legitimate?

Ask for their license number and National Producer Number (NPN), then look them up with your state’s insurance department. In Florida, that’s the Department of Financial Services. For Marketplace plans, the agent should also be registered with the federal Marketplace. My Florida license is #W323530 and my NPN is #17946070, and I’m happy to walk you through checking them.

Are You a Medicare Representative?

No. I’m an independent licensed agent with HealthMarkets, not a representative of Medicare, Medicaid, or any government agency, and this website isn’t operated by or affiliated with the federal Medicare program. What I do is explain your options clearly and help you compare them. To reach Medicare directly, visit Medicare.gov or call 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day, 7 days a week. For Medicaid questions in Florida, contact the Department of Children and Families.

Where Are You Located, and How Can We Meet?

My office is at 6360 NW 5th Way Ste 101, Fort Lauderdale, FL 33309. We can meet there, at your home anywhere in Broward, Miami-Dade, or Palm Beach County, by phone, or on Zoom. Whichever you choose, I reply within 24 to 48 hours.

Can You Help if I Live Outside South Florida?

Yes, if you’re in one of the 33 states where I’m licensed. Clients outside South Florida work with me by phone or Zoom, and the service is the same.