Independent Medicare Broker
Get Your Medicare Right
the First Time.
As an independent Medicare broker, we compare Medicare Supplement, Medicare Advantage, and Prescription Drug Plans from over 25 carriers — then recommend the one that fits your doctors, your budget, and your life. Expert guidance, at no cost to you.
Independent Medicare Broker · Licensed in 35 States
Our Commitment to You
Total Transparency. No Exceptions.
You Pay Nothing for Our Help.
We never charge you a fee of any kind for our education or enrollment services.
Your Premium Is the Same Whether You Use Us or Not.
You pay the exact same price for your insurance whether you use our expert help or go it alone.
We Recommend What's Best for You — Not What Pays Us More.
We work with over 25 top-rated carriers. We don't work for them — we work for you.
Get Your Free Copy of
Medicare Decoded
Steve Germain's guide to understanding Medicare Supplement, Medicare Advantage, and Prescription Drug Plans — written for anyone navigating Medicare for the first time.
Prefer a physical copy? Call (954) 281-5622 and we'll mail one to your door — free.
Finding the Right Fit for Your Healthcare Needs
Medicare Supplement Vs Medicare Advantage
Medicare Supplement
- Freedom: See any doctor in the USA that accepts Medicare.
- Predictability: The lowest out-of-pocket costs when seeing doctors.
- Simplicity: No referrals needed to see a specialist.
Medicare Advantage
- Value: Plans as low as $0 monthly premium.
- Extras: May include dental, vision, gym, and OTC benefits.
- All-in-One: Typically includes Part D prescription coverage.
Not sure which plan is right for you? We'll walk you through it — at no cost.
The Essentials of Part A and Part B Explained
Understanding Your Base Medicare Coverage
Part A (Hospital)
Covers inpatient stays. For most, the premium is $0.
Part B (Medical)
Covers doctor visits and outpatient care. The standard monthly premium is $202.90 in 2026.
Closing The Gaps In
Your Coverage
Original Medicare covers the essentials — but it has gaps that can become costly when it matters most.
Medicare is designed to pay your doctors and hospitals, but it wasn't built to cover the personal financial toll of a major illness.
The Risk
A diagnosis of Cancer, Heart Attack, or Stroke often comes with "hidden costs" — travel for specialists, home modifications, and non-medical bills that continue even when you can't work.
The Exposure
These expenses can quickly drain a retirement nest egg because they fall outside of traditional medical coverage.
The Solution
We recommend Critical Illness coverage for every client. These plans pay a tax-free cash benefit directly to you, giving you the freedom to focus on healing instead of finances.
What Our Clients Are Saying
Independent · 25+ Carriers
Ready to Get Your Medicare Right?
We'll compare plans from over 25 carriers and find the right fit for your doctors, your budget, and your life — at no cost to you.