Steve Germain

Steve Germain is a licensed independent Medicare insurance broker and author with more than a decade of experience helping South Florida families navigate Medicare with clarity and confidence.

His commitment to service was shaped early on by accompanying his grandfather to doctor appointments and witnessing firsthand the real challenges people face when trying to understand Medicare. That personal experience became a professional mission: to make Medicare easier to understand and more accessible for everyone.

Steve truly enjoys making confusing topics easy to understand and believes every client deserves honest guidance, personalized education, and exceptional service. As the founder of A&E Insurance Agency, LLC, he leads a team dedicated to helping people make informed, confident decisions about their healthcare every step of the way.

He is also the author of Medicare Decoded — a step-by-step guide written specifically for people approaching Medicare for the first time.