Independent Medicare Broker · South Florida
An independent broker compares the market. A captive agent sells one shelf.
PB & J Insurance is an independent Medicare brokerage — appointed with most major carriers in Florida, obligated to none of them.
Why it matters
Why the distinction matters more than people realize.
A captive agent works for one insurance company and can only present that company's plans. A broker holds appointments with many carriers and compares them side by side. Same enrollment, same premiums, entirely different range of options on the table.
In South Florida this is especially consequential, because provider networks vary enormously between carriers and between counties. The plan that's excellent in Boca Raton may not contract with the hospital system you use in Pompano Beach. Only a broker can show you all of it at once.
What's included
How a brokerage works for you.
Multi-Carrier Comparison
Advantage, Supplement and Part D options from most major Florida carriers, side by side.
Network Verification
We confirm your specific doctors and hospitals in each plan before enrollment.
Full Drug Pricing
Your medication list run through every formulary, with total annual cost projected.
No Cost, No Obligation
Free comparison; nothing changes unless you decide it should.
18 Years in South Florida
Real history with how these plans behave locally, not a national script.
Year-Round Service
Support continues after enrollment — billing issues, denials, provider changes.
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 Broker questions we hear every week.
What is the difference between a Medicare agent and broker?+
A captive agent represents a single carrier; an independent broker represents many and compares across them. PB & J Insurance is independent.
Do brokers charge a fee?+
No. Compensation comes from the carrier after enrollment, and CMS standardizes it so there's no incentive to prefer one plan over another.
How many carriers do you represent?+
Most of the major Medicare carriers operating in Broward and Palm Beach County, plus a broad panel for supplemental and life products.
Can you review a plan I bought elsewhere?+
Yes — free, any time of year. If your current plan is the best fit, we'll tell you so plainly.
What information should I have ready?+
Your Medicare card, a list of doctors and hospitals you want to keep, and a complete prescription list with dosages. That's enough for a full comparison.
Also from PB & J Insurance
The rest of your coverage, in one place.
Life Insurance
Term, whole, universal, mortgage protection, final expense, juvenile.
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Critical Illness & Supplemental
Heart attack, stroke, cancer, hospital indemnity, accident cash.
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Annuities
Fixed, fixed-indexed and MYGA plans built for guaranteed income.
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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.