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Medicare Broker in Palm Beach County, Florida
Independent, and paid a commission by the carrier instead of by you. We compare Medicare Advantage, Medigap, Part D, and Special Needs Plans against the medications you actually take and the doctors you see, to find the plan that best fits your needs and budget.
No fee. No obligation. No pressure to decide on the first call.
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26 years
in insurance
95%
of clients come from referrals
broker fee
Independent
not tied to one carrier, so we can explore many options
Four Ways to Cover What Medicare Doesn't
Original Medicare has copays, deductibles, and no cap on what you can spend in a year. These are the four ways to close that gap.
Our Help Costs You Nothing
Original Medicare has copays, deductibles, and no cap on what you can spend in a year. These are the four ways to close that gap.
We are paid by the insurance carrier when you enroll, not by you
Your premium is identical whether you enroll through us or on your own
No obligation to enroll, ever. We give people time to review the information and make a fully informed decision
What does cost money is Medicare itself. Part B has a premium. Advantage plans have copays. Supplements have premiums. The question is never whether you are paying. It is whether you know what you are paying for.
We Check Your Prescriptions and Your Doctors Before You Enroll
Most Medicare advertising asks whether your drugs are covered and whether you can keep your doctor. Very little of it answers the question. This is where we spend most of our time.
Your Medications
Every plan sorts drugs into tiers. On the higher tiers you often pay a percentage of the drug's retail cost rather than a flat copay. That is the difference between a $47 month and a $600 month. We run your actual list against every plan before you enroll.
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Your Doctors
On an HMO, going out of network means you pay the entire cost. On a PPO you pay more than you would in network for out of network services, but those services are still covered by your PPO plan. Some carriers have national networks, which matters if you spend part of the year up north. We verify every provider on your list first.
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Worth knowing: The maximum out of pocket on a plan is a ceiling. It is financial protection for you.
How It Works
We talk
Your doctors, your medications, your budget, whether you travel, to find the plan that best fits your needs.
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We research
Your drug list against formularies. Your providers against networks. Your zip code to see what is actually available.
We compare
And explain all options in plain English, not jargon.
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We enroll you
On the phone together or in person, not a link in your inbox.
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Most people need more than one call. We schedule the next one, provide the information you need, and make sure you are 100 percent comfortable with your plan choice.
The Part Most Brokers and Call Centers Skip
Enrollment is where most agents and call centers disappear. It is where we start being useful, by continuing to be available after enrollment.
A client called about a $400 bill from an in network doctor visit that did not look right. We had the client call the practice to ask how they got to the number. They had the wrong insurance on file. Her copay had already covered the visit in full.
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A bill that looks wrong? We tell you what questions to ask your provider's office.
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Need an in-network specialist? We put the provider list together for you.
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Every October, we are ready to review your plan against next year's formularies, premiums, and networks.
Timing Matters More Than People Expect
Turning 65
A seven month window: three months before your birthday month, the birthday month itself, three months after. When you apply can affect your start date.
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Still working
If your employer plan counts as creditable coverage, you can delay Part B and use a Special Enrollment Period when you retire, or when you decide your employer coverage is too expensive.
Waiting too long
Go 63 days without creditable drug coverage and Medicare adds a penalty to your Part D premium for life. COBRA does not count. That one catches people.
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Meet Kevin Gallagher
Licensed since 2000, focused on Medicare and health insurance since 2014. Independent, which means we compare across the major carriers instead of selling one company's products.
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26 years in insurance
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More than 95% of our business comes from referrals
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Office at 840 US Highway 1, North Palm Beach, FL
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Most work happens by phone, email, or text, so we can check a formulary or call your doctor's office while you are still on the line
We Compare Across the Major Carriers
Medicare Supplements are standardized by law. A Plan G is a Plan G. The only real difference between carriers is price, and for the same person in the same zip code that difference can be significant.
What Our Clients Say
Medicare Questions We Hear Most
Are We the Right Fit?
We work well with people who:
Have questions and want them answered properly​
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Would rather take a few conversations than pick a plan off a mailer or a call center
Are individuals, families, self-employed, or small business owners
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