Local Medicare Agent · Broward & Palm Beach County
A local Medicare agent who answers the phone in year three, not just at enrollment.
In-person or by phone, from Fort Lauderdale to West Palm Beach — free help enrolling in Medicare, comparing plans, and fixing problems long after the application is signed.
Why it matters
What working with a real local agent changes.
Medicare guidance costs you nothing. Carriers compensate agents directly, and premiums are identical whether you enroll through an agent, a call center or the government website. The difference is who takes your call in March when a prescription is suddenly not covered.
As an independent agent based in Lighthouse Point, Daniel has spent 18 years learning which South Florida plans actually contract with Broward Health, Holy Cross, Cleveland Clinic Florida, Boca Regional and Jupiter Medical — knowledge that a national call center reading a script simply doesn't have.
What's included
What you get, at no cost.
Zero Cost to You
Premiums are set by carriers and CMS — identical with or without an agent.
Every Major Carrier
Independent appointments mean no incentive to steer you to one company.
Doctor & Drug Check
We verify your physicians and every prescription against each plan before you enroll.
Face-to-Face Available
Meet in person anywhere in Broward or Palm Beach County, or handle it by phone.
Annual Review Each Fall
Plans change every year — we re-check yours during AEP whether or not you switch.
Claim & Billing Help
One phone number to call when something goes wrong mid-year.
Free Quote
Free quote, no obligation — usually back the same business day.
Daniel personally reviews every request from Broward and Palm Beach County. 18 years of tenure, 30+ A-rated carriers.
Frequently asked
Medicare Agent questions we hear every week.
Does a Medicare agent cost anything?+
No. Agents are paid by the insurance carriers, and CMS requires that plan premiums be the same whether you enroll with an agent, online, or directly with the carrier.
When should I contact an agent?+
About three months before you turn 65, or as soon as you know you're retiring and losing employer coverage. Earlier is always better than later — some enrollment windows carry lifetime penalties if missed.
Will an agent push me toward one plan?+
An independent agent shouldn't. We're appointed with most major carriers in South Florida and select based on your doctors, your drugs and your budget.
Can you help if I already have a plan?+
Yes. A large share of our clients come to us mid-plan for a second opinion or because their current agent stopped responding.
Do you meet in person?+
Yes, throughout Broward and Palm Beach County — home visits included, which many clients over 75 prefer.
Also from PB & J Insurance
The rest of your coverage, in one place.
Life Insurance
Term, whole, universal, mortgage protection, final expense, juvenile.
Explore coverage →
Critical Illness & Supplemental
Heart attack, stroke, cancer, hospital indemnity, accident cash.
Explore coverage →
Annuities
Fixed, fixed-indexed and MYGA plans built for guaranteed income.
Explore coverage →
Ready when you are
Let's put the right coverage in place.
Serving Fort Lauderdale, Pompano Beach, Boca Raton, Delray Beach, Boynton Beach and West Palm Beach.