About William Gray
Independent Medicare insurance agent. U.S. Air Force veteran. Nearly 30 years of experience helping people navigate one of the most confusing decisions of their lives — at no cost to them.
Your Independent Medicare Broker
William Gray
Founder of The Medicare Dude · Licensed Since 1998 · Independent Medicare Broker
"Very Knowledgable and personable! William made a seemingly difficult transition easy and seamless. I appreciated his unbiased opinion and personalized what was best for me. He took great care in listening to my concerns. I never felt rushed and felt he took a personal interest in assisting me to make the best choice. Not one of those "Big box" sales as seen on TV. Highly recommend William."
Sharon H
Medicare client
5 ★ · 83 reviews
Why I Do This Work
Medicare is complicated by design. The federal government offers Original Medicare, private insurers offer Supplement and Advantage plans, and drug companies offer Part D — and every year the rules, premiums, and formularies change.
Most people approaching 65 have no idea where to start. They get bombarded by TV ads, mailers, and phone calls from agents who only sell one company's products. They make decisions based on incomplete information — and sometimes pay for it for years.
I became an independent Medicare broker because I believe people deserve honest, unbiased guidance. I'm not captive to any carrier. I compare options across the companies I represent and recommend what actually fits your situation.
My services are completely free to you. I'm compensated by the carriers whose plans I sell — this does not affect the cost of your plan.
Career Timeline
Early Career
Began career in insurance after serving in the U.S. Air Force. Built a foundation in life and health insurance.
Medicare Focus
Specialized in Medicare insurance as the complexity of the system became clear — and the need for honest, independent guidance became urgent.
The Medicare Dude Brand
Launched The Medicare Dude as the marketing brand of The Gray Insurance to make Medicare guidance more accessible and approachable.
Multi-State Expansion
Expanded licensure to 12 states to serve clients who move, have family in other states, or need coverage across state lines.
Today
Serving clients across Florida and beyond. 5.0 ★ · 83 Google reviews. Still personally answering every call.
Credentials & Background
Licensed in 12 States
FL, GA, ID, IN, KS, KY, MI, NC, OH, PA, TX, VA — serving clients across the country.
FL License #W690237
Individual Florida insurance license. FL Agency License #L134055 (The Gray Insurance).
Independent — No Carrier Bias
Appointed with multiple carriers. My job is to find the right plan for you, not to push one company.
As Seen in U.S. News & World Report
Quoted as a Medicare expert in national media. Recognized by Medicare Agents Hub as a top-rated agent.
U.S. Air Force Veteran
Served in the United States Air Force. The discipline and integrity of military service shapes how I work with every client.
Nearly 30 Years Experience
Decades in the insurance industry, with deep specialization in Medicare Supplement, Medicare Advantage, and Part D.
My Promise to Every Client
I will never pressure you. My job is to educate and compare — not to close a sale. If you're not ready, that's fine. If you decide to go a different direction, that's fine too.
I will tell you the truth. If a plan isn't right for you, I'll say so. If I don't represent the best option for your situation, I'll tell you that too.
I will be here after enrollment. My clients aren't transactions. I proactively review coverage every fall during the Annual Enrollment Period and am available year-round for questions.
I will answer my phone. You'll talk to me — not a call center, not a voicemail system, not an offshore team.
What Clients Say
"I contacted William to assist my wife and I after moving to Florida from another state. He contacted us immediately and scheduled a phone appointment for the following week. We spent about an hour getting to know each other and our needs. He recommended several companies to match our needs and our location here in FL that we would NEVER had figured out on our own. Praise the Lord for Bill and for his help!! I would recommend him to anyone and everyone!!"
Jim M.
Medicare client · Verified Google Review
"Working with William Gray on my Medicare selections was an outstanding experience. Navigating Medicare can feel overwhelming, but William made the entire process simple, clear, and stress-free. He took the time to understand my specific needs, explained every option in a way that was easy to grasp, and offered thoughtful guidance without ever making me feel rushed or pressured."
Julie K.
Medicare client · Verified Google Review
"ABSOLUTELY GOD SENT! I knew nothing about Medicare and close to panicking before speaking with William. Super professional, well informed and kind! Anyone out there approaching 65 years old needs someone like William in their corner; he walked me through each step and all the options best suited my needs!!! All at NO COST because he is paid through the insurance companies."
JKC
Medicare client · Verified Google Review
"Navigating the healthcare system is complex to say the least. This is where The Medicare Dude, William Gray, shined for us on the road to consummating an ideal configuration for our unique and collective situations. William is not just a registered healthcare broker professional, but he is also a wealth of knowledge and sage consult in our best interests. He's always available when questions arise."
TinaKelvin B.
Medicare client · Verified Google Review
"I required an insurance broker with comprehensive knowledge in the field, and William Gray exceeded my expectations. He visited my home and provided a thorough explanation of various Medicare products. As a result, he helped me select the best supplement and achieve a significant reduction of over $150 per month in premiums."
Debra A.
Medicare client · Verified Google Review
"Very Knowledgable and personable! William made a seemingly difficult transition easy and seamless. I appreciated his unbiased opinion and personalized what was best for me. He took great care in listening to my concerns. I never felt rushed and felt he took a personal interest in assisting me to make the best choice. Not one of those "Big box" sales as seen on TV. Highly recommend William."
Sharon H.
Medicare client · Verified Google Review
Showing 6 of 83 verified Google reviews
Ready to Work with William?
Schedule a free consultation or call directly. No pressure, no cost, no obligation.
Licensed in FL, GA, ID, IN, KS, KY, MI, NC, OH, PA, TX, VA · Independent · No cost to you