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 ★ · 90 reviews
Independent Medicare Insurance Agency
Medicare Supplement & Medigap Guidance
From an Independent Medicare Broker
Get personal Medicare Supplement and Medigap guidance from William Gray. Compare Plan G, Plan N, and High-Deductible Plan G (HDG) options with an independent broker — at no cost and no pressure.
⚡ Instant Rates — No Agent Call Required
Featured In
Media coverageWilliam Gray was quoted as a Medicare expert by U.S. News & World Report. See all media coverage →
Medicare Supplement / Medigap Instant Rate Quotes
See real Medigap rates from multiple carriers — no personal information sold, no obligation.
Compare Medigap Rates NowOpens in a new tab · Rates from 11 carriers · No signup required
Questions? Call William at 1-800-DUDE-309 (800-383-3309) — free, no obligation.
Medicare Doesn't Have to Be This Confusing
Most people spend hours trying to figure out Medicare on their own. There's a better way.
The noise you're dealing with:
- ✕Confusing TV ads pushing one plan over another
- ✕Call centers that sell your information to multiple agents
- ✕Agents who only represent a single insurance company
- ✕Pressure to enroll before you understand your options
- ✕Jargon-heavy plan documents that are impossible to compare
- ✕No one to call when you have questions after enrollment
One Independent Broker. Multiple Insurance Companies. Zero Pressure.
As an independent Medicare broker, I work with multiple insurance companies rather than representing just one. I'll help you compare the Medicare plans available through the companies I represent in your area, explain your options, and help you choose coverage that fits your healthcare needs and budget. There is no pressure, no obligation, and no cost for your consultation — just straightforward Medicare guidance.
Let's Talk Medicare — Free ConsultationLicensed in multiple states · Independent Medicare insurance agency
Simple. Clear. No Pressure.
How It Works — Getting the right Medicare plan is easier than you think.
Free Consultation
Call or schedule online. We review your doctors, prescriptions, and budget — no forms, no pressure, no obligation.
Plan Comparison
We compare Medicare Supplement, Advantage, and Part D plans from multiple carriers available in your area.
Enroll & Stay Covered
We handle the paperwork and stay available year-round for questions, changes, and annual reviews.
No obligation · No cost · No call centers
Why Work With an Independent Broker?
Not all Medicare agents are the same. Here's what makes the difference.
Truly Independent — No Carrier Bias
As an independent broker, I represent multiple insurance companies. My only loyalty is to finding the right plan for you — not to any single carrier.
Licensed Since 1998 — Nearly 30 Years of Experience
I've helped thousands of Floridians navigate Medicare enrollment, annual reviews, and coverage changes over nearly three decades.
No Cost to You — Ever
My services are completely free. I'm compensated by the insurance companies when you enroll — you pay nothing extra for my guidance.
Real Person, Real Answers
You'll always reach me directly — not a call center. I answer my phone and return calls the same day.
Year-Round Support
My job doesn't end at enrollment. I'm available year-round for questions, plan changes, and your Annual Enrollment Period review.
Licensed in Multiple States
I provide personal Medicare guidance across the states where I am licensed, with plan comparisons based on your location and needs.
Medicare Supplement Insurance
Medigap Plans: Plan G, Plan N & High-Deductible G
Medicare Supplement (Medigap) plans fill the gaps left by Original Medicare — covering copays, coinsurance, and deductibles so you know exactly what you'll pay.
Plan G
Most PopularCovers nearly everything Original Medicare doesn't — including the Part A deductible, skilled nursing coinsurance, and foreign travel emergency. You only pay the annual Part B deductible (see Medicare.gov for the current year amount).
Best for: People who want predictable, low out-of-pocket costs and freedom to see any Medicare-accepting doctor nationwide.
Plan N
Lower PremiumSimilar to Plan G but with small copays ($20 office visits, $50 ER visits) and no coverage for Part B excess charges. Premiums are often lower than Plan G — the difference varies by carrier and ZIP code.
Best for: Healthy beneficiaries who want lower monthly premiums and don't mind occasional small copays.
High-Deductible Plan G
Lowest PremiumSame benefits as Plan G after you meet the annual deductible set by CMS each year (see Medicare.gov for the current amount). Premiums can be substantially lower than standard Plan G — ideal for those who rarely use healthcare.
Best for: Healthy beneficiaries who want catastrophic protection at the lowest possible monthly cost.
Who Should Compare Medigap Plans?
- Turning 65 and enrolling in Medicare for the first time
- Losing employer or union health coverage
- Currently on Medicare Advantage and considering switching
- Tired of unpredictable out-of-pocket costs
- Traveling frequently or spending time in multiple states
- Want to keep your current doctors without network restrictions
Medicare Part C
Medicare Advantage Plans
Medicare Advantage (Part C) bundles your Original Medicare benefits into a single plan — often with $0 premiums, dental, vision, hearing, and prescription drug coverage included.
How Medicare Advantage Works
- Replaces Original Medicare Parts A & B
- Administered by private insurance companies approved by Medicare
- Must include all Original Medicare benefits
- Often includes Part D drug coverage (MAPD plans)
- May include dental, vision, hearing, and fitness benefits
- Typically requires using a network of doctors and hospitals
Who Benefits Most from MA Plans
- Beneficiaries who want $0 or low monthly premiums
- Those who prefer an all-in-one plan (medical + Rx + extras)
- People who are comfortable with a provider network
- Beneficiaries who use their extra benefits (dental, vision, OTC)
- Those in good health who rarely need specialist care
- People who want a predictable annual out-of-pocket maximum
MA vs. Medigap — Which Is Right for You?
There's no universal answer. Medicare Advantage plans often have lower premiums but require network usage and can have higher out-of-pocket costs when you need significant care. Medigap plans have higher premiums but give you freedom to see any Medicare-accepting provider nationwide with predictable costs. As an independent broker, I'll help you compare both options based on your specific doctors, prescriptions, and budget.
Compare MA vs. Medigap — Free ConsultationInitial Enrollment
Turning 65? Here's What You Need to Know
Your Initial Enrollment Period (IEP) is a 7-month window around your 65th birthday. Missing it can mean permanent premium penalties and coverage gaps.
Your 7-Month Enrollment Window
3 months before
Your 65th birthday month — earliest you can enroll
Your birthday month
Coverage starts the 1st of your birthday month
3 months after
Last chance — coverage may be delayed 1–3 months
Common Mistakes to Avoid
- ✕Assuming employer coverage automatically transitions to Medicare
- ✕Missing the IEP and facing lifetime Part B premium penalties
- ✕Enrolling in Part B late and losing Medigap guaranteed issue rights
- ✕Choosing a plan based on premium alone without checking your doctors
- ✕Not comparing Part D drug plans — costs vary widely by medication
- ✕Waiting until you're sick to review your coverage options
No obligation · No cost · No call centers
Read the Turning-65 Medicare enrollment guideGet the Turning 65 Medicare Checklist →Find Your Path
What's Your Medicare Situation?
Select your situation below for guidance specific to where you are in your Medicare journey.
I'm Turning 65
Understand your Initial Enrollment Period, Medigap Open Enrollment, and what decisions to make first.
Turning-65 Medicare guideI'm Retiring / Losing Employer Coverage
Employer coverage ending? Learn your Special Enrollment Period options and how to avoid late-enrollment penalties.
Retiring and MedicareI Want Medicare Supplement Coverage
Compare Plan G, Plan N, and other Medigap options with an independent broker who represents multiple carriers.
Medicare Supplement guideI Want Real-Time Medicare Supplement Rates
See actual Medigap rates from multiple carriers for your ZIP code — no personal information sold, no obligation.
Get real-time ratesI Already Have Medicare and Want to Change Coverage
Understand your options for switching Medigap plans, guaranteed issue rights, and when you can make changes.
Changing Medicare coverageI'm Moving
A move can affect Medicare Advantage and Part D availability. Review your coverage before you relocate.
Moving with MedicareI Need Help With Part D
Part D drug plan costs vary widely by medication. Compare options and avoid the coverage gap.
Part D drug coverageI'm Not Sure Where to Start
Tell us your situation and William will point you in the right direction — free, no obligation.
Get personalized helpWhat Clients Say About The Medicare Dude
Josephine Madden
October 1, 2026
The Medicare Dude was fun to work with, knowledgeable, kind and professional! He really knows his stuff and goes the extra mile to help his peeps! I highly recommend him to all!
Rodger Rothenberger
September 30, 2026
Mr. Gray will be responsive to all your questions, thorough in his responses, knowledgeable and professional.
Jeffrey Perez
September 29, 2026
Mr. Gray was very helpful. He is knowledgeable and professional. He was patient with me as all of the information was overwhelming at times.
SC R
September 29, 2026
William is extremely knowledgeable about all things Medicare. His customer service is excellent and he focuses on each person as an individual having unique circumstances before making recommendations. I highly endorse him to help anyone navigate the complex Medicare landscape that can be overwhelming.
Michael Nassick
September 28, 2026
My wife and I were transferring from my company provided healthcare to Medicare. William did such a great job of making this very simple for us. I do recommend that anyone moving to Medicare talk to William before making any decisions. We even recommended him to good friends of ours — they ended up using him as well.
Midge Collie
September 11, 2026
William was very helpful and so thankful his name was provided to me from a friend he also helped with Medicare!
Relocation & Medicare
Moving? Review Your Medicare Coverage
A move can affect Medicare Advantage and Part D availability. William can help you understand the coverage questions to review before you relocate.
Special Enrollment Period (SEP)
Moving to a new service area may create a Special Enrollment Period. Review your timing and options before making a coverage change.
Medicare Supplement Considerations
Medigap benefits are standardized, but premiums and availability can vary by location and carrier. Compare your options using your new address.
Guidance for Your New Area
William is licensed in multiple states and can help you compare represented Medicare Supplement, Medicare Advantage, and Part D options where available.
Medicare Premium Surcharge
IRMAA: The Medicare Surcharge High-Income Beneficiaries Pay
If your income exceeds certain thresholds, you'll pay more for Medicare Part B and Part D. Understanding IRMAA helps you plan — and potentially appeal.
What Is IRMAA?
IRMAA (Income-Related Monthly Adjustment Amount) is a surcharge added to your Medicare Part B and Part D premiums if your income exceeds certain thresholds.
IRMAA Income Thresholds
IRMAA applies if your income exceeds certain thresholds. Thresholds and surcharge amounts are adjusted annually by CMS. Check Medicare.gov or SSA.gov for the current year's figures.
IRMAA & Part D
IRMAA also adds a surcharge to your Part D drug plan premium. The surcharge amount depends on your income bracket and is adjusted annually by CMS. Check Medicare.gov or SSA.gov for the current year's Part D IRMAA amounts.
How to Appeal IRMAA
If your income has decreased due to a life-changing event (retirement, divorce, death of spouse), you can appeal your IRMAA determination using SSA Form SSA-44.
IRMAA & Medigap Planning
High-income beneficiaries paying IRMAA often benefit most from Medigap plans — predictable costs help offset the already-elevated premium burden.
IRMAA Resources
William can walk you through your IRMAA situation, help you understand your options, and refer you to a tax advisor if a Roth conversion strategy makes sense.
Medicare Advantage Carriers I Represent
Licensed Since 1998
Nearly 30 years of insurance experience
Truly Independent
Multiple carriers — not just one
5-Star Rated
Consistently rated 5 stars
Always Accessible
Real answers from a real person
Have questions about your options? I'm happy to walk you through them.
Talk With William: 1-800-DUDE-309 (800-383-3309)Free consultation · No obligation · No cost to you
Medicare Plans We Help With
From Supplement to Advantage to Part D — we cover it all.
Medicare Supplement
Fill the gaps in Original Medicare. Use any Medicare-accepting doctor nationwide. Predictable costs.
Medicare Advantage
All-in-one plans that replace Original Medicare. Often include drug, dental, vision, and hearing coverage.
Part D Drug Plans
Standalone prescription drug coverage. Compare formularies based on your specific medications.
Ancillary Coverage
Dental, vision, hearing, hospital indemnity, and other supplemental benefits.
Not sure where to start? Call 1-800-DUDE-309 (800-383-3309)
What Our Clients Say
Personal Medicare guidance from William Gray, an independent broker.
"William took the time to explain every option clearly. He never pushed me toward any particular plan — just helped me understand what was best for my situation. I've recommended him to everyone I know turning 65."
Sandra M.
2025
"I was completely overwhelmed by Medicare when I first called William. Within one conversation, everything made sense. He found me a plan that saved me over $200/month compared to what I had before."
Robert T.
2025
"Unlike other agents I spoke with, William actually listened to what I needed. He's been my Medicare broker for 6 years and I wouldn't go anywhere else."
Carol B.
2024
"William helped my parents navigate Medicare when they moved to Florida. He was patient, thorough, and available every time we had a question. Truly exceptional service."
James K.
2025
"I called three different agents before finding William. He was the only one who didn't try to sell me something immediately. He explained my options, answered all my questions, and let me decide."
Patricia L.
2024
"William has been helping me with Medicare for years. Every fall during AEP he reviews my plan and makes sure I still have the best coverage. That kind of ongoing service is rare."
Donald H.
2025
Your Medicare Broker
Meet William Gray —
The Medicare Dude
Independent Medicare broker. Licensed since 1998. Serving seniors.
I started The Medicare Dude because I saw too many people getting steered into the wrong plans by agents who only represented one company. As an independent broker, I help clients compare Medicare Supplement and Medigap options from the companies I represent.
With Nearly 30 Years in the insurance industry, I provide personal guidance for Medicare enrollment, annual plan reviews, and coverage changes. My goal is to help you understand your options before you make a decision.
The Medicare Dude is a marketing brand of The Gray Insurance, an independent Medicare insurance agency licensed in multiple states. Find Medicare help in your state through our geographic guides.
"The right Medicare plan is the one that fits your doctors, your prescriptions, and your budget — not the one that pays the highest commission."
Find Medicare Help in Your State
Medicare plan availability and costs can vary by location. Explore our state and local Medicare guides for information relevant to where you live.
Direct Personal Service
Work Directly With William
Nearly 30 years of Medicare experience. One independent broker. Direct access — before, during, and after enrollment.
William answers his own phone.
When you call, you reach William directly — not a call center, not a rotating representative, not a voicemail queue.
Help before you enroll.
William explains your options, compares the plans available through the carriers he represents, and helps you choose coverage that fits your doctors, prescriptions, and budget.
Help during enrollment.
William walks you through the application process and makes sure your coverage is confirmed before your effective date.
Support after enrollment.
Questions don't end when the policy starts. William remains available when your coverage circumstances change, when you have billing questions, or when you want to review your options.
No carrier bias.
As an independent broker, William represents multiple insurance companies — not just one. His goal is to find the right fit for you, not to hit a quota for a single carrier.
No cost. No obligation. No pressure.
William's assistance — before, during, and after enrollment — is provided at no direct cost to you. Carriers compensate independent brokers; you do not pay a separate fee for William's guidance. There is no obligation to enroll, and no pressure to choose any particular plan.
No call centers · No carrier bias · Licensed in 15 states
Frequently Asked Questions
Quick answers to the questions we hear most often.
What is the difference between Medicare Supplement and Medicare Advantage?
Medicare Supplement (Medigap) works alongside Original Medicare to cover your out-of-pocket costs — you can see any Medicare-accepting doctor nationwide. Medicare Advantage replaces Original Medicare with a private plan that often has lower premiums but requires using a network. The right choice depends on your doctors, prescriptions, and how much you travel.
How much does it cost to work with William?
Nothing. My services are completely free to you. I'm compensated by the insurance companies when you enroll in a plan — you pay the same premium whether you use a broker or go direct. There's no markup, no fee, and no obligation.
When can I enroll in Medicare?
Your Initial Enrollment Period (IEP) is a 7-month window — 3 months before your 65th birthday month, your birthday month, and 3 months after. Missing this window can result in permanent premium penalties. If you have employer coverage, you may qualify for a Special Enrollment Period when that coverage ends.
Can I keep my current doctors?
With a Medicare Supplement plan, you can see any doctor or specialist nationwide who accepts Medicare — no referrals, no network restrictions. With Medicare Advantage, you'll need to use the plan's network. Before enrolling in any plan, I'll verify that your preferred doctors are covered.
What is IRMAA and do I have to pay it?
IRMAA is an income-related surcharge added to your Medicare Part B and Part D premiums if your income exceeds certain thresholds. Thresholds and surcharge amounts are adjusted annually by CMS — check Medicare.gov or SSA.gov for the current year's figures. If your income has recently decreased, you may be able to appeal.
What areas does William serve?
William is licensed in multiple states and provides personal Medicare guidance based on where you live. Plan availability, benefits, and premiums can vary by location, so he helps you compare represented options relevant to your area.
Still have questions? Ask William Directly: 1-800-DUDE-309 (800-383-3309)
Florida Office Locations
In-person office locations are available in Daytona Beach and Palm Coast. All consultations are free with no obligation.
Daytona Beach
1616 Concierge Blvd #100
Daytona Beach, FL 32124
1-800-DUDE-309 (800-383-3309)Get DirectionsReady to Compare Your Medicare Options?
No pressure. No cost. Just honest guidance from an independent agent who works for you — not an insurance company.
Prefer to talk? Call William — 1-800-DUDE-309 (800-383-3309)
Licensed in multiple states · Independent · No cost to you
Not a government website. The Medicare Dude is not affiliated with, endorsed by, or connected to the Centers for Medicare & Medicaid Services (CMS), the U.S. Department of Health and Human Services, or any federal or state government agency. We do not offer every product available in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.