Below is an outline of how together we navigate Medicare

• Telephone conference with you to review and understand your five Medicare options.
  • Medicare is very complicated and complex. It is important that you understand how Medicare works and the different types of Medicare plans and options in your area that are available to you in Clay County Florida. A wrong Medicare decision now will most likely affect your future.
• Collect information from you to analyze and complete my recommendations for you.
  • It is not just important to note what a Medicare plan offers, but whether or not it offers the best for you.
  • To do this, I will gather information about your prescriptions and the doctors you use. This information is then entered into a computer program that analyzes the projected costs of every plan. This enables you to determine which plan will be most favorable to you based on your particular health issues.
• Telephone conference for you to review recommendations and choose a plan that suits you best.
  • After I receive your personal health information, prescriptions, and names of doctors, I will review with you the Medicare plans that are best for you in Clay County .
• Enroll in the Clay County Florida plan you choose that best meets your needs and budget.
  • After you and I have reviewed the plans and prices, enrollment in your chosen plan can be completed. 
  • I use an online enrollment system that reduces the possibility of errors and smoothly and quickly completes your enrollment in a matter of minutes.  
  • All of this is done remotely using your telephone, computer, laptop, or tablet. In the comfort of your home, and without a personal visit, together you will see my presentation on your computer or tablet while we converse separately by telephone – for two-way security (it’s better than you traveling to my office or me coming to your home).

I only serve the state of Florida locally with its eight Regions and 67 Counties. As a Medicare Broker for Clay County Florida, I am Licensed to sell up to 8 Medicare insurance organizations with up to 68 plans for 2024.

If you would like to go directly to the do-it-yourself website, click “See Plans Now” by zip code:

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

If you want to use my free Medicare Insurance Agent and Broker-Advisor services, please fill out the “START HERE” form below and submit it. I will then personally reach out to you .

Your Choice:

Additional Benefits of Using a Medicare Broker

What is a Medicare agent?

The benefits of working with a Medicare agent

Understanding Medicare plans and options

How a Medicare broker can help you choose the best plan

Common misconceptions about Medicare agents

How to find a reputable Medicare broker in Florida

Understanding the Different Types of Agents

Medicare enrollment periods and deadlines

Frequently asked questions about Medicare agents & brokers in Florida

Conclusion and final thoughts

What is a Medicare agent?

A Medicare broker provides valuable guidance and support to seniors 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 about Medicare.

Understanding Medicare plans and options

Medicare is a complex and multifaceted program with many different plans and options. Understanding the different plans and options can be overwhelming, especially for seniors new to the program. However, working with a Medicare agent in Clay County Florida can make the process 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 broker can help you understand the differences between these plans and options and choose the one that best meets your needs and budget. They can also help you understand the costs and benefits of each plan and compare different options side-by-side.

How a Medicare broker can help you choose the best plan

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 and guide you through the enrollment process. They will also provide ongoing support and assistance throughout the year and help you change your coverage as needed.

Common misconceptions about Medicare agents

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

Medicare agents are usually independent professionals 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 Clay County Florida

Finding a reputable Medicare agent in Clay County Florida can be challenging, especially if you are unsure where to start. However, several resources are 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 licensed and certified to sell Medicare plans in Florida. You should also look for an agent with experience working with seniors who knows 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 can access choices 3 and 4 above. You can use me as your Medicare Insurance Broker and Advisor or do it yourself by selecting the “See Plans Now” Button below.

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 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 change your Medicare coverage, including switching from Original Medicare to Medicare Advantage or your prescription drug coverage.

The Special Enrollment Period is when 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 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 broker 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 Clay County Medicare broker in Florida can be crucial for seniors 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, helping seniors save time and money while ensuring they receive the coverage they need. If you are a senior living in Clay County Florida and are interested in learning more about working with a Medicare broker, be sure to research and choose a reputable and experienced broker who can help you get the most out of your Medicare benefits. I am your local Clay County Medicare Broker near you as close as your telephone and internet to provide my best service for you.

As your Clay County Medicare broker, I will help you choose the kind of Medicare insurance service that best fits your needs and budget. At mymedicaresearch.com, I am your Medicare Broker-Advisor and Agent who is AHIP (government) certified and has additional training and certifications from all the Medicare insurance companies I represent. I serve all my clients and am ready to serve you. Only if Im not able to serve you, will I move you to another professional broker. I am as near to you as your telephone and as close to you as your Internet connection.

You may Contact Me by telephone or through the contact form on this website to 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 can also contact me at (561) 559-7153 if you’d like to discuss further which choice is best for you in 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 for Clay County Florida 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 your best Medicare broker-advisor?

• I am a licensed health insurance agent in Clay County Florida and serve only Florida. 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 to provide you with the 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 over a decade of health insurance experience and have limited my profession to serving only Medicare clients.

As a Medicare insurance agent and broker representing major Medicare insurance companies in Clay County Florida, 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 for Clay County Florida 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 enroll through me, I will be your Agent of Record. This means I can work on your behalf with your insurance company.

In summary:

1. Get free professional consultation and help on
   • In answering your Medicare questions.
   • Understanding all your Clay County Florida Medicare Options and Benefits.
   • Choosing the right Medicare Plan.
   • Enroll directly with the insurance company for the Medicare plan you choose.
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. I am always available to prepare analyses and comparisons of Clay County Florida Medicare Plans, especially during the Annual Enrollment Period of October 15 through December 7.

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

My Medicare Search for Florida residents aims to be the most trusted Medicare resource by providing unbiased comparisons of the many health insurance options available and helping Medicare recipients and their families make educated healthcare decisions.

 Want to know what’s available to you?

Fill out the “Start Here” request for more information or call me on the telephone. My Medicare Search is the place to find answers to your Medicare and insurance questions.

My Medicare Search offers:

• no fees for consolation services
• convenient online personal Medicare broker and 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 Clay County Florida?

If you believe you do not need my services, you can search for yourself 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 by clicking the “See Plans Below” on your personal Medicare search site. If you sighn-in you can always go back where you left off.

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

Please NOTE that after trying the do-it-yourself search and enrollment, you can change your mind and call me or fill out the START HERE form. You 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 more accessible than in the past. No visits are required either for the agent to go to the client’s home or for the client to come to the agent’s office. For each Clay County Florida, My Medicare Search uses a virtual visit with the client using their computer, tablet, and telephone. It’s like being in my office but with you at home.

Communication by computer and telephone are two separate connections used for added security. First, a telephone connection is established between the client and the agent. Second, the client’s computer, laptop, or tablet is connected to the agent’s computer screen through the Internet. Using separate systems, telephone for sound and computer (Internet) for visual, two levels of security are provided with separate video and audio 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 more accessible and more efficient all around.

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

My goal is to serve you by offering the best service and educating you about yourClay County Florida Medicare options so that you can make the right decision that fits your needs and budget.

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

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

So that you know who we are:

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

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 can provide you with the best advice possible, and any recommendations are made in your best interest. People often call us for advice, and we recommend that the current plan is still the best option.

More Personal Information about me

Hi, I’m Don Rousseau. I have been a licensed health insurance agent for over ten years. I come from a diverse business background. As a teenager, I worked in 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 the owner of a small business, I gained an appreciation of what it means to serve the customer. I also returned to school and became a commissioned minister during this period. I still serve in that capacity as a semi-retired lay minister for the Lutheran Church. Since I did not receive any remuneration as a Lutheran Church Lay minister volunteer and no longer had other business interests, I began looking for another occupation to support my family.

When my son-in-law, who owns an insurance agency in Florida, asked me if I wanted to sell insurance, I quickly said I didn’t want to sell anything. He quickly responded, “Good, I’m not looking for a salesman; I’m looking for someone who wants to help others.” That’s me. In everything that I do, I pride myself on helping others.

So, in 2012, I became a licensed insurance agent. I started as an independent agent, but when the Affordable Care Act was passed, beginning in 2014, this changed the dynamics of individual health insurance. At that time, I was appointed by a large health insurance provider as a captive agent.

Although I sold Medicare insurance policies through this one provider as a captive agent, I was limited to only a few choices for my customers. So, in 2019, I decided to go independent and become a broker. It was a great decision. Now, I can offer competitive proposals and help others reach decisions that best fit their needs and budget.

I look forward to personally assisting you as you make your Medicare decisions. If you will soon be turning 65 or 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 extremely important, and I want to give you my best advice.

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

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

I aim to serve you and provide additional value wherever possible.

Sincerely,

Don

Love to hear from you.    Give me a call at (561) 559-7153.   Or 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)