San Jose is one of Jacksonville's most established neighborhoods — tree-lined streets along the St. Johns River, a mix of mid-century homes and newer construction, and a large population of long-time Jacksonville residents who are now navigating Medicare for the first time. The choices are complicated. William Gray makes them simple.

William is an independent Medicare broker with no carrier allegiance. He compares every plan available in ZIP 32217 — Humana, Florida Blue, UnitedHealthcare, Aetna, Cigna, and others — and his only focus is finding the plan that keeps your doctors at Baptist Medical Center South or St. Vincent's Medical Center in-network while keeping your prescription costs manageable.

San Jose residents often have long-standing relationships with physicians in the South Jacksonville and Mandarin corridors. The biggest Medicare mistake in this market is choosing a plan based on premium alone, then discovering that a specialist you've seen for years is out-of-network. William verifies every provider relationship before recommending a plan.

His service is completely free. Insurance carriers pay William a standard commission when you enroll — the same rate regardless of which plan you choose — so his advice is genuinely unbiased. He has served Duval County Medicare beneficiaries since 2010 and is available year-round for questions, plan changes, and Annual Enrollment Period reviews.