(954) 281-5622Independent Medicare Broker — Same Price as Going Direct
Miami · Kendall · Coral Gables · Doral · South Florida

Medicare Broker in Miami, FL

A&E Insurance Agency has helped Miami families navigate Medicare since 2009. As an independent broker, Steve Germain compares every plan available in Miami-Dade County — Advantage, Medigap, and Part D — at no cost. Same price as going direct.

⭐ 5.0 · 126 Google Reviews  ·  Independent — 25+ Carriers  ·  Free · No Fees

Steve Germain — Medicare Broker in Miami, FL
01

We Know Miami's Networks

Choosing a Medicare Advantage plan without checking your doctors' networks first is one of the most common — and costly — mistakes we see. Miami-Dade has dozens of plans across different networks: Baptist Health South Florida, Jackson Health, Cleveland Clinic Florida, and more.

Before you enroll in anything, we verify your specific doctors and specialists are in-network. No guesswork. No surprises after your coverage starts.

The Bottom Line:

A national call center doesn't know your Miami-Dade doctors. A local broker does.

02

Compare Every Plan in Your ZIP

Miami-Dade County has more Medicare plan options than almost any other county in the country. That's an advantage — but only if someone is laying all the options out side by side for you.

We compare every Advantage plan, every Medigap option, and every Part D drug plan available in your specific ZIP code. Including your prescriptions in the comparison. Including your expected doctor visit frequency. You see the real costs, not just the headline premium.

The Bottom Line:

We work with 25+ carriers. You get the full picture, not one carrier's pitch.

03

We're Here After Enrollment

Most brokers help you enroll and move on. We don't. Billing issues, network changes, annual plan reviews, questions mid-year — we pick up the phone. Our clients aren't transactions.

Every October during Annual Enrollment Period, we proactively review your plan to make sure it's still the best option. If something better exists, we'll tell you.

The Bottom Line:

Our relationship doesn't end when you enroll. It starts there.

Common Questions

Medicare in Miami — FAQ

How much does a Medicare broker in Miami charge?

Nothing. Medicare brokers are paid by the insurance carriers — not by you. You pay the exact same premium whether you use a broker or go direct. Our job is to compare every plan available in your ZIP code and help you choose the right one.

What Medicare plans are available in Miami, Florida?

Miami-Dade County has one of the most competitive Medicare markets in the U.S. You can choose from Medicare Advantage (HMO and PPO, many at $0 premium), Medicare Supplement (Medigap Plan G or Plan N), and standalone Part D prescription drug plans. A local broker compares every option side-by-side.

Can I get Medicare help in Spanish in Miami?

Yes. A&E Insurance Agency provides consultations in English and Spanish. We serve Miami's diverse communities including Kendall, Doral, Hialeah, and Coral Gables.

More questions? Browse our Medicare resource center →

Our Office

12855 SW 136th Ave, Suite 105
Miami (Kendall), FL 33186

Phone

(954) 281-5622

Hours

Mon – Fri · 9 AM – 5 PM ET

Free to You · 25+ Carriers · Since 2009

Ready to find the right Medicare plan in Miami?

One conversation with Steve and you'll know exactly where you stand — which plan fits your doctors, your budget, and your life.