Your Independent Medicare Broker
William Gray
Founder of The Medicare Dude · Licensed Since 1998 · Independent Medicare Broker
Independent Medicare guidance for Florida beneficiaries — Medigap, Medicare Advantage, and Part D.
"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 ★ · 90 reviews
Independent Medicare guidance — Florida
Best Medicare Agent in Florida: What to Look For
Florida has one of the largest Medicare populations in the country. Finding the right Medicare agent means understanding what independent means, how agents are paid, and what questions to ask before you enroll.
Licensed in Florida. No cost, no pressure, no obligation.
What Makes a Medicare Agent 'Independent' in Florida?
An independent Medicare agent in Florida is not employed by a single insurance carrier. They are licensed by the Florida Department of Financial Services and appointed with multiple carriers, which means they can compare options across companies rather than steering you toward one carrier's products.
A captive agent, by contrast, represents only one company. They may be knowledgeable, but their scope is limited to what that company offers in your area. In a state like Florida — where premium differences between carriers for the same Medigap plan can be significant — working with an independent agent gives you access to a broader comparison.
How Medicare Agents Are Paid in Florida
Medicare agents in Florida are paid by the insurance carriers, not by you. CMS sets maximum broker compensation limits for Medicare Advantage and Part D plans. For Medicare Supplement (Medigap) plans, carriers set their own commission structures, but the premium you pay is the same whether you enroll through a broker or directly with the carrier.
This means there is no financial reason to avoid using an independent broker. The consultation is free, the comparison is free, and the premium does not increase because a broker helped you enroll.
What to Ask a Medicare Agent in Florida
Before working with any Medicare agent in Florida, ask which carriers they are appointed with, whether they are licensed in Florida, and how they handle service after enrollment. A good agent should be able to tell you which companies they represent and be transparent about what they cannot offer.
Ask specifically about Medicare Supplement options. Florida does not currently have a general annual Medigap Birthday Rule, which means switching plans after initial enrollment typically requires passing medical underwriting. The initial plan and carrier choice carries more weight in Florida than in states with open enrollment windows.
Florida Medigap Rates and the OIR
Medicare Supplement premiums in Florida are filed with and approved by the Florida Office of Insurance Regulation (OIR). Because Medigap benefits are federally standardized, the only variable between carriers for the same plan letter is the premium. An independent agent can run a real-time comparison across all carriers writing in your ZIP code.
Premium differences between carriers for Plan G or Plan N in the same Florida ZIP code can be meaningful over a multi-year horizon. An independent broker comparison takes about 15 minutes and costs nothing.
Questions to Ask Any Medicare Agent in Florida
- Are you licensed by the Florida Department of Financial Services?
- Which Medicare Supplement carriers are you appointed with in Florida?
- Do you also offer Medicare Advantage and Part D plans?
- How are you compensated, and does it vary by carrier or plan?
- Will you be available for questions after I enroll?
- Can you compare rates across multiple carriers for my ZIP code?
- Do you understand Florida's Medigap underwriting rules and the lack of a Birthday Rule?
Related Florida Medicare Resources
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
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Compare Medicare Supplement Rates in Florida — Free, No Obligation
William compares available Medigap rates from multiple carriers in your Florida ZIP code. No cost, no pressure.
Prefer to talk? Call William — 1-800-DUDE-309 (800-383-3309)
Licensed in multiple states · Independent · No cost to you