Health Insurance Broker in Miami, FL
A&E Insurance Agency is an independent insurance broker in Miami specializing in Medicare and senior health coverage. Since 2009, Steve Germain has helped 3,000+ South Florida families compare plans from 25+ carriers — at no cost to you.
⭐ 5.0 · 126 Google Reviews · Independent — 25+ Carriers · Free · No Fees
Medicare Advantage & Medigap
For residents 65 and older, Medicare is the foundation of your health coverage — and the choice between Medicare Advantage and a Medigap supplement is the most important one you'll make.
We compare every plan available in your ZIP code: $0 premium Advantage plans with built-in dental, vision, and hearing benefits; and Medigap Plan G or Plan N for those who want freedom to see any doctor in the country without network restrictions.
The Bottom Line:
There's no universal right answer — it depends on your doctors, health, and travel habits. We figure it out together.
Life Insurance & Critical Illness
Medicare covers your medical bills — but it doesn't replace lost income, cover your mortgage, or pay everyday expenses if a cancer diagnosis or heart attack sidelines you for months.
We help Miami families fill those gaps with term and permanent life insurance and critical illness protection — from top-rated carriers at competitive rates.
The Bottom Line:
Medicare is not a complete financial plan. We help you protect everything it doesn't cover.
Independent — No Carrier Bias
We're not employed by any insurance company. We work with Humana, Aetna, UnitedHealthcare, Cigna, BlueCross, and many more — and we recommend the one that fits your situation, not the one that pays the highest commission.
Our consultations are free. You pay no broker fees. The plan costs exactly the same whether you call us or call the carrier directly.
The Bottom Line:
We work for you. Not the carriers.
Health Insurance in Miami — FAQ
What does a health insurance broker in Miami do?
A health insurance broker compares plans from multiple carriers and helps you understand costs, networks, and coverage. An independent broker like A&E Insurance Agency works with 25+ carriers and recommends what's best for you — at no charge. You pay zero fees; the broker is paid by the carrier you choose.
What is the best health insurance for seniors in Miami?
For seniors 65 and older, the choice is between Medicare Advantage and Medigap (Medicare Supplement). Miami-Dade has some of the most competitive $0-premium Advantage plans in the country. For those who travel frequently or want full nationwide access, Medigap Plan G is typically the strongest option in Florida. A local broker runs the comparison for your specific situation.
Does A&E handle non-Medicare health insurance?
Our specialty is Medicare and senior insurance — Medicare Advantage, Medigap, Part D, life insurance, and critical illness insurance. For individuals under 65 looking for ACA marketplace plans, we can connect you with a trusted local partner.
Office
12855 SW 136th Ave, Suite 105
Miami (Kendall), FL 33186
Phone
Hours
Mon – Fri · 9 AM – 5 PM ET
Ready to compare your options?
One conversation with Steve and you'll know exactly what's available in Miami and what fits your situation.