William Gray is a local, independent Medicare broker serving Northeast Florida in person and all of Florida by phone or video. He shops 28+ carriers to find the right plan for your doctors, medications, and budget — at no cost to you.
Not all Medicare help is the same. Here is why an independent broker gives you a significant advantage.
| Independent Broker (William) | Captive Agent | |
|---|---|---|
| Represents | 28+ insurance carriers | 1 insurance company |
| Recommends | Best plan for YOU | Plans from their company only |
| Cost to you | Free | Free |
| Plan options | Every plan in your ZIP | Limited to one carrier |
| Annual reviews | Yes — proactive outreach | May not contact you |
| Local knowledge | Knows your local hospitals | May be a call center |
Reach William by phone at (386) 871-3858 or book a free appointment online. Same-day and evening appointments are available.
Tell William your doctors, medications, and budget. He will pull every plan available in your ZIP code and compare them side by side.
William explains your best options in plain language — no jargon, no pressure. You decide what is right for you.
William handles the enrollment paperwork. Your new coverage starts on the date you choose.
In-person in Northeast Florida. Phone and video statewide.
William Gray is an independent Medicare broker serving all of Florida — in person in Northeast Florida (Daytona Beach, Palm Coast, Jacksonville, St. Augustine) and by phone or video statewide. Call (386) 871-3858 or book a free appointment online.
A Medicare agent typically represents one insurance company (captive agent). A Medicare broker like William is independent — he represents 28+ carriers and recommends whatever plan is best for you, not what pays the highest commission.
1-800-MEDICARE provides general information but cannot recommend specific plans or enroll you. A local independent broker like William knows your community, your local hospitals, and the specific plans available in your ZIP code — and he handles enrollment for you at no cost.
No. Independent Medicare brokers are compensated by the insurance carriers when you enroll. You pay the exact same premium whether you use a broker or go directly to the insurance company.
Yes. William compares both Medicare Advantage plans and Medigap (Medicare Supplement) plans, as well as Part D drug plans. He explains the pros and cons of each approach based on your specific situation.
William compares every plan in your ZIP code and explains your options clearly. No pressure, no sales pitch — just honest, local guidance.
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 (TTY: 1-877-486-2048) to get information on all of your options.
Not affiliated with or endorsed by the U.S. government or the federal Medicare program. This is an advertisement for insurance. William Gray and affiliated licensed agents are independent insurance agents, not government employees or representatives. Medicare has neither reviewed nor endorsed this information.
Not all plans or types of coverage may be available in your area. Plan availability, benefits, and premiums vary by county and ZIP code. Enrollment in any plan depends on contract renewal. Benefits, premiums, and cost-sharing may change on January 1 of each year.
Independent Agent & Compensation Disclosure. William Gray is an independent licensed insurance agent (FL License #W690237) and is not employed by or exclusively affiliated with any single insurance company. William is compensated by insurance carriers when you enroll in a plan. This compensation does not affect the premium you pay — your premium is the same whether you enroll through a broker or directly with the carrier. Affiliated agents are independent contractors solely responsible for their own conduct and representations.