Best Medicare Agent Florida — Independent Medicare Broker William Gray
Your Independent Medicare Broker
William Gray
Founder of The Medicare Dude · Licensed Since 1998 · Licensed in 12 States
"William was absolutely wonderful — very professional. Straightforward gave me a better Medicare policy than I have had for the last six years. Dropped my policy with a new company, same coverage, for quite a bit less!"
Edna Deri
Medicare client
William Gray has been helping Florida seniors navigate Medicare for nearly 30 years. As an independent broker, he compares plans from every major carrier — and recommends the one that actually fits your life. No pressure. No sales pitch. Just straightforward Medicare guidance — at no cost to you.
FL License #W690237 · Agency License #L134055 · Independent — No Carrier Bias · Always Free to You
~30
Years of Experience
Independent
Not tied to one carrier
Free
No cost to you
Florida
Licensed statewide
Why Choose an Independent Medicare Broker?
Florida has one of the most competitive Medicare markets in the country. Dozens of carriers offer hundreds of plan combinations across 67 counties. An independent broker works for you — not for any single insurance company.
Unlike a captive agent who can only offer plans from one carrier, William compares Medicare plans available through the insurance companies he represents and recommends the one that best matches your doctors, medications, and budget.
- Compares plans from multiple carriers — not just one
- Recommends the plan that fits your doctors, medications, and budget
- No extra cost — broker compensation comes from the carrier
- Available year-round for questions, changes, and annual reviews
- Licensed by the Florida Department of Insurance
William Gray
Licensed Independent Medicare Broker
"My job is to make Medicare simple. I compare Medicare plans available through the insurance companies I represent, explain your options in plain English, and help you enroll in coverage that actually works for your life — not just the plan that pays the highest commission."
Licensed: Florida Department of Insurance
Serving Florida since: 1998
Specialties: Medicare Supplement, Medicare Advantage, Part D
Plan G vs. Plan N: 2026 comparison
Florida Medicare Services
From your first Medicare enrollment to your annual plan review, William provides guidance at every stage of your Medicare journey.
Medicare Supplement (Medigap)
Compare Plan G, Plan N, and other Medigap options from top-rated carriers. Lock in predictable costs and keep your doctors.
Learn moreMedicare Advantage (Part C)
Explore $0-premium Medicare Advantage plans available in your Florida county. Compare networks, benefits, and drug coverage.
Learn moreMedicare Part D (Drug Plans)
Find a standalone Part D plan that covers your prescriptions at the lowest total cost — premium plus copays.
Learn moreFirst-Time Medicare Enrollment
Turning 65 or losing employer coverage? Get step-by-step guidance through your Initial Enrollment Period with no pressure.
Learn moreAnnual Medicare Review
Plans change every year. A free annual review ensures you are not overpaying or missing better coverage during open enrollment.
Learn moreSpecial Enrollment Periods
Moving to Florida, losing coverage, or experiencing a qualifying life event? William can help you enroll outside standard windows.
Learn moreMedicare Coverage by Florida County
Plan availability, formularies, and premiums vary by county. Select your county for local Medicare plan information and guidance.
Hillsborough County
Tampa, Brandon, Riverview
Pinellas County
St. Petersburg, Clearwater, Largo
Orange County
Orlando, Apopka, Winter Park
Duval County
Jacksonville, Neptune Beach
Broward County
Fort Lauderdale, Hollywood
Palm Beach County
West Palm Beach, Boca Raton
Sarasota County
Sarasota, Venice, North Port
Volusia County
Daytona Beach, Deltona, Ormond Beach
Brevard County
Melbourne, Titusville, Palm Bay
Pasco County
New Port Richey, Zephyrhills
Manatee County
Bradenton, Palmetto, Lakewood Ranch
Lee County
Fort Myers, Cape Coral, Bonita Springs
Don't see your county? Contact William directly — he is licensed to serve all 67 Florida counties.
Frequently Asked Questions
Common questions about working with a Florida Medicare broker.
What makes an independent Medicare agent different from a captive agent?
An independent Medicare broker is not tied to any single insurance company. They compare plans from multiple carriers — including Humana, UnitedHealthcare, Aetna, Cigna, and others — and recommend the plan that best fits your health needs and budget. A captive agent can only offer plans from one company.
Does it cost anything to use a Medicare broker in Florida?
No. Independent Medicare brokers in Florida are compensated by the insurance carriers, not by you. The plan premium is identical whether you enroll through a broker or directly with the insurance company. You get expert guidance at no additional cost.
When should I contact a Medicare agent in Florida?
The best time to contact a Medicare agent is 3–6 months before you turn 65, or as soon as you know you are losing employer coverage. You can also reach out during the Annual Enrollment Period (October 15 – December 7) to review your current plan and compare alternatives for the coming year.
What Medicare plans are available in Florida?
Florida is one of the most competitive Medicare markets in the country. Beneficiaries can choose from Original Medicare (Parts A and B), Medicare Supplement (Medigap) plans, Medicare Advantage (Part C) plans, and standalone Part D prescription drug plans. Plan availability varies by county and ZIP code.
Can a Medicare agent help me if I am moving to Florida?
Yes. Moving to Florida is a qualifying life event that triggers a Special Enrollment Period. An independent Medicare broker can help you compare plans available at your new Florida address and enroll in coverage that fits your needs — even outside the standard enrollment windows.
What is an Annual Medicare Review?
An Annual Medicare Review is a free consultation with your Medicare broker to evaluate whether your current plan still meets your needs. Formularies, premiums, and network providers can change each year. A review ensures you are not overpaying or missing better coverage options during the Annual Enrollment Period.
Planning Beyond Medicare
Medicare covers your health care — but complete financial protection for Florida seniors often includes planning for final expenses as well.
Final Expense Insurance
Final expense insurance (also called burial insurance) is a small whole life policy designed to cover end-of-life costs — funeral expenses, medical bills, and other obligations — so your family is not left with unexpected financial burdens.
Learn about final expense coverage at TheFinalExpenseDude.comEnd-of-Life Planning Resources
Understanding your Medicare coverage is one part of a complete senior financial plan. Burial insurance, advance directives, and beneficiary designations work together to protect your family and honor your wishes.
Explore end-of-life planning at TheFinalExpenseDude.comMedicare and final expense insurance are separate products. Nothing on this page implies they are bundled, required together, or offered by the same company.
Get Your Free Florida Medicare Review
Schedule a free, no-obligation Medicare consultation with independent broker William Gray. Serving all 67 Florida counties.
Ready to Find the Right Florida Medicare Plan?
William Gray is a licensed independent Medicare broker serving all of Florida. He compares Medicare plans available through the insurance companies he represents — Medicare Supplement, Medicare Advantage, and Part D — at no cost to you.
Licensed by the Florida Department of Insurance. Independent — not affiliated with any single carrier.