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
The terms 'Medicare broker' and 'Medicare agent' are often used interchangeably in Nassau County. Both refer to licensed professionals who help you compare and enroll in Medicare plans. The key distinction is independence: an independent broker like William Gray represents multiple carriers, while a captive agent represents only one. With approximately 16,000 Medicare-eligible residents across Fernandina Beach, Yulee, Callahan, and the surrounding communities, Nassau County has a growing Medicare market. William knows which plans have the strongest networks at Baptist Medical Center Nassau, and he brings that knowledge to every consultation.
FL License #W690237 · Agency License #L134055 · Independent — No Carrier Bias · Always Free to You
Independent Medicare Broker — Fernandina Beach, FL
William Gray — The Medicare Dude
Serving all of Fernandina Beach and surrounding areas. Independent Medicare guidance at no cost to you.
FL Insurance License #W690237
(386) 871-3858Compare Medicare Plans in Fernandina Beach
See Medicare Supplement Plan G, Plan N, and High-Deductible Plan G rates from multiple carriers in your Fernandina Beach ZIP code. Call William to review the full picture before enrolling.
Plan availability and premiums vary by ZIP code. This tool is for informational comparison only.
Medicare Broker Fernandina Beach — FAQ
Does William Gray serve all of Nassau County?
Yes — all of Nassau County. Consultations are available by phone, video, or in person.
What is the difference between a Medicare broker and a Medicare agent?
In practice, the terms are used interchangeably. Both refer to licensed professionals who help you compare and enroll in Medicare plans. The key distinction is independence: an independent broker like William represents multiple carriers, while a captive agent represents only one.
Will my Nassau County doctors be covered?
Before recommending any plan, William verifies that your specific doctors and facilities are in-network for the coming plan year. Network relationships change annually, so this verification happens every year — not just at initial enrollment.
I am a veteran with VA coverage. Do I still need Medicare?
VA coverage and Medicare serve different purposes and can work together. Choosing not to enroll in Medicare Part B when you are first eligible can result in a permanent penalty if you later need it. William helps Nassau County veterans understand how both systems interact before making any enrollment decisions.
What does it cost to work with William?
Nothing. Medicare brokers are paid by the insurance carriers. You pay the same premium whether you enroll through William or directly with the carrier. There is never a fee for consultations, comparisons, or enrollment assistance.
More Fernandina Beach Medicare Resources
Get a Free Medicare Review in Nassau County
Nassau County has approximately 16,000 Medicare-eligible residents and a range of plan options. William Gray knows the local healthcare landscape, the plan options available in your ZIP code, and the questions Nassau County residents ask most. A free 30-minute consultation gives you a clear comparison of plan options available through the organizations he represents — and an honest recommendation from someone who knows this market.
William Gray · FL License #W690237 · Agency License #L134055 · Independent Medicare Insurance Agent · Licensed in 12 States · AHIP Certified 2027