Medicare Broker in South Florida
A&E Insurance Agency is South Florida's independent Medicare broker. We've helped 3,000+ families across Miami-Dade, Broward, and Palm Beach counties compare every available plan — Advantage, Medigap, and Part D — at no cost to you since 2009.
⭐ 5.0 · 126 Google Reviews · Independent — 25+ Carriers · Free · No Fees
No Fees — Ever
Medicare brokers are paid by the insurance carriers, not by you. You pay the exact same premium whether you use A&E Insurance Agency or call the carrier directly. There is no financial downside to working with an independent broker.
What you gain is someone in your corner — someone who knows the market, knows the plans, and has no financial reason to push one carrier over another.
The Bottom Line:
Same price. More guidance. No catch.
Independent — 25+ Carriers
South Florida has one of the most competitive Medicare markets in the country. That's good for you — if someone is comparing all of it for you. We work with Humana, Aetna, UnitedHealthcare, BlueCross, Cigna, CarePlus, Simply Healthcare, and more.
We compare plans from every carrier available in your ZIP code, factoring in your doctors, your prescriptions, and your likely annual costs. You see the full picture before you decide.
The Bottom Line:
We work for you, not for the carriers.
A Relationship, Not a Transaction
We serve Miami, Kendall, Coral Gables, Doral, Hialeah, Fort Lauderdale, Hollywood, Aventura, Boca Raton, Pompano Beach, and communities across all three South Florida counties. In-person at our Kendall office, or virtually anywhere in the region.
After you enroll, we stay available for billing questions, network changes, and your annual plan review every October. Our clients hear from us — we don't wait for them to track us down.
The Bottom Line:
We're your broker for life, not just for enrollment season.
Medicare in South Florida — FAQ
Who is a trusted Medicare broker in South Florida?
A&E Insurance Agency, led by Steve Germain, has served South Florida since 2009 with a 5.0-star Google rating across 126 reviews. As an independent broker, Steve compares plans from 25+ carriers across Miami-Dade, Broward, and Palm Beach counties — at no cost.
Is a Medicare broker the same as a Medicare agent?
The key difference is independent vs. captive. A captive agent works for one carrier and can only offer that company's plans. An independent Medicare broker works with many carriers and recommends the best plan for you — not the one that pays the highest commission.
When can I sign up for Medicare in Florida?
Your Initial Enrollment Period opens 3 months before your 65th birthday and closes 3 months after — a 7-month window. Missing it without qualifying coverage triggers permanent late enrollment penalties. A local broker helps you plan the right timeline well in advance.
Office
12855 SW 136th Ave, Suite 105
Miami (Kendall), FL 33186
Phone
Hours
Mon – Fri · 9 AM – 5 PM ET
Let's find the right plan for you.
In-person in Miami or virtual across all of South Florida. One free conversation changes everything.