Why Working with an St. Lucie County Florida Medicare Agent/Broker is Crucial for Seniors

It is extremely crucial in the Florida Central East Region that you find and use a St. Lucie County Medicare broker agent. A broker agent will help you understand Medicare and its options and guide you through enrollment as well as navigate the numerous plans that are available to you

As we age, our healthcare needs become more complex and expensive. That’s why it’s essential for seniors to have comprehensive health insurance coverage that meets their unique needs. However, navigation and enrollment in the Medicare system can be confusing and overwhelming, even for the smartest seniors. As a Medicare Agent and Broker, I can help you thoroughly search, choose and enroll.   

Hi, my name is Don Rousseau and I am a licensed health insurance agent, broker and advisor for St. Lucie County specializing in Medicare plans only. Whether you are considering a Medicare supplement plan or a Medicare advantage plan or just not knowing what plan is best for you, this is where I can help.

There are two ways I serve you as my client.

First Way: I personally work with you with my 4 step Process: 1) Review Medicare Basics; 2) Gather Information from you; 3) Review plans that fit your needs and budget; 4) Enroll in a plan.

Second Way: Do-It-Yourself – See St. Lucie County Advantage Plans Now:

By the way, my Medicare services in St. Lucie County Florida include the following cities: Florida Ridge, Fort Pierce, Fort Pierce North, Fort Pierce South, Hutchison Island South, Indian River Estates, Lakewood Park, Port St. Lucie, River Park, St. Lucie Village, White City and all other cities in St. Lucie County! (Especially Needed if you’re soon Turning 65, New to Medicare, leaving a company Group plan, or moving to a new address in St. Lucie)

The following is information that will explore the benefits of working with a St. Lucie Medicare agent in Florida and why it is essential for seniors to have an expert in their corner when it comes to their healthcare coverage:

What is a Medicare agent?

The benefits of working with a Medicare agent

Understanding Medicare plans and options

How a Medicare agent can help you choose the best plan

Common misconceptions about Medicare agents

How to find a reputable Medicare agent in Florida

Understanding the Different Types of Agents

Medicare enrollment periods and deadlines

Frequently asked questions about Medicare agents in Florida

Conclusion and final thoughts

What is a Medicare agent?

A Medicare agent, who is sometime also a Medicare broker, is a licensed and certified professional who helps seniors navigate the complexities of Medicare. They are trained to understand the different Medicare plans and options available, as well as the rules and regulations surrounding enrollment, coverage, and costs. Medicare agents who are also brokers, work independently and are not affiliated with any specific insurance company or plan. Instead, they are contracted with multiple insurance carriers and offer a range of options to their clients.

A Medicare agent provides valuable guidance and support to seniors who are looking to enroll in Medicare for the first time, as well as those who are already enrolled but need assistance with plan selection or other issues. They can help you understand the different parts of Medicare, including Part A (hospital insurance), Part B (medical insurance), Part C (Medicare Advantage), and Part D (prescription drug coverage). Additionally, they can help you understand your rights and options, and answer any questions you may have about Medicare.

The benefits of working with a Medicare agent

A Medicare agent, who is sometime also a Medicare broker, is a licensed and certified professional who helps seniors navigate the complexities of Medicare. They are trained to understand the different Medicare plans and options available, as well as the rules and regulations surrounding enrollment, coverage, and costs. Medicare agents who are also brokers, work independently and are not affiliated with any specific insurance company or plan. Instead, they are contracted with multiple insurance carriers and offer a range of options to their clients.

Understanding Medicare plans and options

Medicare is a complex and multifaceted program, with many different plans and options to choose from. Understanding the different plans and options can be overwhelming, especially for seniors who are new to the program. However, working with a Medicare agent in St. Lucie County can make the process much easier and less confusing.

There are four main parts to Medicare: Parts A, B, C, and D. Part A covers inpatient hospital care, skilled nursing care, hospice care, and home health care. Part B covers doctor visits, outpatient care, medical supplies, and preventive services. Part C, also known as Medicare Advantage, is an alternative to traditional Medicare that allows you to receive your benefits through a private insurance company. Part D covers prescription drugs.

A Medicare agent can help you understand the differences between these plans and options, and help you choose the one that best meets your needs and budget. They can also help you understand the costs and benefits of each plan, and help you compare different options side-by-side.

How a Medicare agent can help you choose the best plan

Choosing the right St. Lucie County Medicare plan can be a daunting task, especially if you are unfamiliar with the program or have complex healthcare needs. However, a Medicare agent can help make the process much easier and less stressful.

First, they will review your current healthcare coverage and needs, as well as your budget and preferences. Based on this information, they will recommend a plan that best meets your needs and budget. They will also help you understand the costs and benefits of each plan, including deductibles, copayments, and out-of-pocket limits.

Once you have selected a plan, your Medicare agent will help you enroll in the plan and guide you through the enrollment process. They will also provide ongoing support and assistance throughout the year, and help you make changes to your coverage as needed.

Common misconceptions about Medicare agents

There are many misconceptions about Medicare agents, including the belief that they are affiliated with specific insurance companies or that they charge fees for their services. However, these beliefs are generally untrue.

Medicare agents are usually independent professionals who are not affiliated with any specific insurance company or plan. (Some agents, however, are employed by insurance companies to represent only their company) Instead, agents can be brokers and are contracted with multiple insurance carriers and offer a range of options to their clients. Additionally, Medicare agents do not charge fees for their services. They are paid by the insurance companies they work with, and their services are provided at no cost to their clients.

How to find a reputable Medicare agent in Florida

Finding a reputable Medicare agent in St. Lucie County Florida can be challenging, especially if you are unsure where to start. However, there are several resources available to help you find a qualified and experienced agent.

First, you can ask for referrals from friends, family members, or healthcare providers who have worked with a Medicare agent in the past. You can also search for Medicare agents online, using websites like this one.

When selecting a Medicare agent, it is important to choose someone who is licensed and certified to sell Medicare plans in Florida. You should also look for an agent who has experience working with seniors and who is knowledgeable about the different Medicare plans and options available.

Understanding the Different Types of Agents, Brokers and Advisors in Florida

You have four main choices to search for help and make Medicare Decisions Easy. You can use a:

1) Captive insurance agent or

2) Medicare Insurance Broker or

3) Medicare Insurance Broker-Advisor or

4) You can do it yourself.

Here at MyMedicareSearch.com you have access to choices 3 and 4 of the above. You can either use me as your Medicare Insurance Agent – Broker and Advisor or select the do it yourself by selecting the “See Plans Now” Button above.

A Medicare Insurance Agent – broker is strongly recommended if you are soon Turning 65, New to Medicare, leaving a company Group plan, or moving to a new address.

Medicare enrollment periods and deadlines

Medicare has specific enrollment periods and deadlines that must be followed in order to avoid penalties and other issues. These enrollment periods include the Initial Enrollment Period, the Open Enrollment Period, and the Special Enrollment Period.

The Initial Enrollment Period is a seven-month period that begins three months before your 65th birthday and ends three months after your 65th birthday. During this period, you can enroll in Medicare Parts A and B. It is also the time you can enroll in either a Medicare Advantage plan (known as Part C) or a Supplement plan (also known as Medigap policy).

The Open Enrollment Period is a yearly period that runs from October 15th through December 7th. During this period, you can make changes to your Medicare coverage, including switching from Original Medicare to Medicare Advantage or changing your prescription drug coverage.

The Special Enrollment Period is a period of time during which you can enroll in or make changes to your Medicare coverage outside of the Initial Enrollment Period or Open Enrollment Period. This period is typically triggered by certain life events, such as moving to a new state or losing your employer-sponsored healthcare coverage.

Frequently asked questions about Medicare agents in Florida

Q: Do Medicare agents charge fees for their services?

A: No, Medicare agents do not charge fees for their services. They are paid by the insurance companies they work with, and their services are provided at no cost to their clients.

Q: How can a Medicare agent help me choose the best plan?

A: A Medicare agent can help you choose the best plan by reviewing your current healthcare coverage and needs, as well as your budget and preferences. They will recommend a plan that best meets your needs and budget, and help you understand the costs and benefits of each plan.

Q: Are Medicare agents affiliated with specific insurance companies or plans?

A: No, Medicare agents who are not captive (captive means they only represent one insurance company) who are also called insurance brokers are independent professionals who are not affiliated with any specific insurance company or plan. Instead, they are contracted with multiple insurance carriers and offer a range of options to their clients.

Conclusion and final thoughts

In conclusion, working with a St. Lucie County Medicare agent in Florida can be crucial for seniors who are looking to navigate the complexities of Medicare and make informed decisions about their healthcare coverage. A Medicare agent, especially a broker, can provide valuable guidance and support throughout the enrollment process and beyond, helping seniors save time and money while ensuring they receive the coverage they need. If you are a senior living in St. Lucie County Florida and are interested in learning more about working with a Medicare agent, be sure to do your research and choose a reputable and experienced agent who can help you get the most out of your Medicare benefits.

If you would like to use my free Medicare Insurance Agent and Broker-Advisor services, please fill out the “START HERE” form and submit. I will then personally contact you directly.

OR

If you would like to go directly to the do-it-yourself website, click on the Button below:

(Even if you want to use me as your Medicare Insurance Broker and Advisor, you still might want to check out the above do-it-yourself site. While there, go to “Learning Center” and you will find a multitude of Medicare articles, videos and other valuable information.)

Remember, you can always contact me for help! OR if you do enroll directly by using the “See Plans Now” site, please let me know how you would rate this service and call me at 561-559-7153.

Your Choice:

Whether using my assistance as your Medicare Agent and Broker-Advisor or you do-it-yourself to “See Plans Now” you will be able to review various insurance companies and plans to make your best choice for a Medicare Plan in St. Lucie County Florida.

Hopefully the above discussion will help you choose the kind of Medicare insurance service that best fits your needs and budget. At mymedicaresearch.com I am a Medicare Broker-Advisor and Agent who is AHIP (government) certified and have additional training and certifications from all of the Medicare insurance companies I represent. I personally serves all my clients and am ready to serve you. Only if I am unable personally to serve you will I move you to another professional broker advisor.

If you choose not to do-it-yourself, you can contact me either by telephone or through the contact form on this website and use my free and full-service as your Medicare Broker-Advisor. Or if you want to do-it-yourself, go to the Do-It-Yourself tab at the top of this website to be sent to a separate Do-It-Yourself website. Together we will make Medicare easy.

You may also contact me at (561) 559-7153 if you would like to discuss further which choice might be best for you in St. Lucie County Florida.

Following is more information about me and what I will do for you as your Medicare agent, broker, and advisor.

I will personally research Medicare plans in St. Lucie to help you choose your best Medicare plan.  As a Medicare Insurance Broker and Advisor, you will receive the best service I have to offer absolutely free. I do not charge for any of my services. 

But, how do you know that I will be the best Medicare Broker- Advisor for you?

• I am a licensed health insurance agent in St. Lucie County Florida and serve your Florida County. I live in Florida and consider all Floridians as my neighbors, and I will treat you as my neighbor and friend. Also, I will only handle a limited number of clients so as to provide you with my best possible service.
• I adhere to the rules of the National Association of Insurance Commissioners and for over fourteen years have been annually tested and certified by the AHIP, the industry-recognized certification to sell Medicare Advantage plans.
• I have had over a decade of health insurance experience and currently have limited my profession to serving only Medicare clients.

As a Medicare insurance agent and broker that represents the major Medicare insurance companies, I will work as your personal consultant. Together, we will accomplish the following four basic steps:

1. Together I will conduct a personal one on one in-depth presentation of Medicare and the five Medicare options so you can make an informed decision about Medicare.
2. I will collect specific information from you such as your list of prescriptions, names of current doctors or doctors you prefer, and other data necessary to analyze and complete in your Florida county a formal Medicare presentation explicit for you.
3. Together, we will review the recommendations to narrow the plan or plans that best fit your needs and budget, and
4. Together we will then enroll you in the plan that you choose.

Additional Services: As your Medicare Broker-Advisor, I am available all year and am as close to you as your telephone.  And if you enrolled through me, I will be your Agent of Record. This means I am able to work on your behalf with your insurance company.

In summary:

1. Get free professional consultation and help on
   1. On answering your Medicare questions.
   2. Understanding all your Medicare Options and Benefits.
   3. Choosing the right Medicare Plan in a St. Lucie County.
2. Receiving competitive Medicare pricing analysis when needed such as moving to a new county.
3. Using all my free Medicare Broker-Advisor services.
4. As your Agent of Record – acting as your representative with your Medicare insurance company.
5. Always being available to prepare analyses and comparisons of Medicare Plans, especially during the Annual Enrollment Period of October 15th through December 7th each year.

Some Benefits of using me as your Medicare Agent

My Medicare Search is just the place for you to Find the Right Medicare  Answers.  As a Licensed Insurance Agent and Medicare Broker-Advisor for St. Lucie County Florida, I am able to guide you through the Medicare maze. There are No Charges for my professional services. I will Review many insurance companies in and compare premiums. Search, Review & Apply in One Place.

My Medicare Search for St. Lucie residents has a mission to be the most trusted Medicare resource by providing unbiased comparisons of the many health insurance options available while helping Medicare recipients and their families make educated healthcare decisions.

 Want’s available to you?

My Medicare Search is just the place for you to find all the answers to your Medicare and insurance questions.

My Medicare Search offers:

• no fees for consolation services
• convenient online personal Medicare insurance advisor
• telephone consultations
• free plan comparisons
• prescription drug plan analysis

My Medicare Search Insurance Plans:

• Medicare Advantage Part C plans
• Medicare Supplement (Medigap) plans
• Medicare stand-alone prescription drug  Part D plans
• also available – other health insurance protections

Do you need Medicare insurance in Central East Region Florida?

If you believe you do not need my services, you can do the search yourself by going online or by calling insurance companies and sorting out all the differences to try and determine what is best for you. If this is you, you do not have to do all the Internet work yourself. Remember you can go to this free do-it-yourself online search and enrollment website below:

(While using the do-it-yourself online search and enrollment, you can always telephone if you have questions with the telephone number in the program)

Or, after trying the do-it-yourself search and enrollment, you can change your mind and call me or fill out the START HERE form can get free help by using my services as your personal Medicare Broker-Advisor and consultant.

My Medicare Search uses the latest technology to make servicing clients even easier than in the past. No visits are required either for the agent to go to the client’s home or requiring the client to come to the agent’s office. For each of my clients I use a virtual visit with the client using their computer or tablet along with their telephone.

Communication by computer and telephone are two separate connections used for added security. First, a telephone connection is established between the client and agent. Second, the client’s computer, laptop or tablet is connected to the agent’s computer screen through the Internet. By using separate systems, telephone for sound and computer (Internet) for visual, two levels of security are provided with video and audio separate connections. This makes it double easy. You don’t have to straighten up your house; I won’t be there. You don’t have to dress up. I won’t see you. It’s just easier and efficient all around.

This convenient way of serving you is what my clients really appreciate the efficiency of using telephone and online services. 

My goal is to serve you by offering the best service and educating about your Medicare options in reaching a right decision that fits your needs and budget.

Get Started Now…..Send me your Contact Info so we can make Medicare EASY!

There’s no obligation and no charge for my free services.

Just so you know about me and my services:

MyMedicareSearch.com represents independent agents who are brokers that are not bound by only one insurance company. Captive agents can only sell from one insurance company. Independent brokers can sell through a variety of insurance companies providing competitive services to their clients. The benefit to the customer is obvious. Quotes from different insurance companies, with the various and different provisions by company, afford more choices to the client.

How do we get paid?

MyMedicareSearch.com does not charge fees for consultations or advice. We are not associated with the government and do not rely on government grants for funding. As agents we do not have to make a living by charging our clients. We are contracted with many insurance carriers who pay us directly if we help you enroll in an insurance plan.

Also, the government controls Medicare commissions to insurance agents, so there is no incentive to suggest one plan over another.  The customer does not pay any more or less premium by using an agent or going directly to the insurance company. Agents are compensated totally by the insurance carriers. We are independent advisors and consultants and do not work for an insurance company. We are able to provide you with the best advice as possible and any recommendations are made in your best interest. Many times, people call us for advice, and we recommend that the current plan is still the best option.

Hi, I’m Don Rousseau, and have been a licensed health insurance agent for almost a decade.  I come from a diverse business background. I started out as a teenager my father’s service station business and learned how to serve others by pumping gasoline and washing car windows.  I quickly learned the challenges of owning a family business.  After college, I joined a large corporation as an accountant and business analyst.  Following my corporate experience, I started several small businesses in various industries.

As an owner of a small businesses, I gained an appreciation of what it means to serve the customer. During this period, I also went back to school and became a commissioned minister.  I still serve in that capacity as a semi-retired lay minister for the Lutheran Church. Since I do not receive any remuneration as a church volunteer Lutheran lay minister, and I no longer had other business interests, I began looking for another occupation that will support my family.

When my son-in-law, who owns an insurance agency here in Florida, asked me if I wanted to sell insurance, I quickly said I didn’t want to sell anything. He quickly responded by saying, “good, I’m not looking for salesman, I’m looking for someone who wants to help others.” That’s me. Everything that I have done I pride myself as helping others.

So, in 2012 I became a licensed insurance agent. I started out as an independent agent, but when the Affordable Care Act was passed beginning in 2014 this changed the dynamics of individual health insurance. With Florida Blue being the largest health insurance company in Florida, I decided it would be best to go captive with Florida Blue. I projected that Obama Care would quickly change the Florida health insurance industry. And I was right.

Although I sold Medicare insurance policies through Florida Blue, as a captive agent I was limited to only one company for my customers. So, I decided to go independent. It was a great decision. Now I am able to offer competitive proposals and once again help others reach decisions that best fit their budgets and need.

I look forward to personally assisting anyone who is trying to make a Medicare decision. If you’re someone who will soon be turning 65 or someone considering a change during the Annual Enrollment Period, I want to help you in your Medicare search. Trying to decide which Medicare plan is right for you is an extremely important decision and help by a knowledgeable licensed Medicare Broker-Advisor is a valuable asset.

If you allow me to serve you, I promise you the best support and honest effort to put you first in any recommendation that I may make, and I look forward to being your personal health insurance broker, advisor, counselor, and agent.

I am committed to providing the best and most honest service to my clients.  I put you first.

My goal is to serve you and provide additional value to you wherever possible.

Sincerely,

Don

My Pledge to You as your Medicare Agent

1. I will provide you with the best service that I possibly can.
2. I will be totally honest with you and put you first in any recommendation that I make.
3. I will endeavor to ensure that you totally understand any decisions you are about to make.
4. I will not try to “sell you” but will offer my personal opinions and recommendations that’s best for you to allow you to make your best decisions.
5. I will be totally honest in everything I say or do.
6. I will protect your identity and personal information.
7. In conclusion, my goal is to be the best Medicare agent and broker in St. Lucie County Florida.

Love to hear from you.    Give me a call (561) 559-7153.   Or just fill out the fast response form below:

The following statement is now required by the Government: “We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.”   (Although I do not offer all plans in your county, I am able to include many of these other plans for your review)