How Can I Help?
My Services
Gain a proactive advocate by having Michael as your personal broker.
It's Not Just Insurance!
As your personal independent insurance broker, I work on your behalf, not the insurance companies.
I believe in having a personal relationship with my clients and their family. My clients consider me a resource for information on coverage, community resources, and guidance with healthcare planning.
As your personal broker, I will proactively look out for your interests as changes occur in the industry.
Educating Consumers
While insurance is not the most entertaining subject to learn about, I insist on educating my clients about their options, so they can make informed decisions.
Providing Resources
As a professional, I understand the concept of a value-added service. I go to great lengths to know my clients and their needs, find community resources, and educate myself in order to provide my clients with more than just insurance.
Health Insurance for
Individuals & Families,
and Other Products
While I specialize in Medicare, I also provide a full portfolio of health insurance options for individuals and families of all ages and income levels.
Disclosure: This program is intended for members who do not receive Personal Emergency Response System (PERS) as a covered benefit under their health plan. Please confirm your eligibility prior to enrollment. Best Buy does not assume any responsibility or liability for verifying member eligibility or coverage status. Responsibility for confirming coverage rests solely on the member and their health plan.
HEALTH INSURANCE
➤ Medicare Supplements (Medigap)
➤ Medicare Advantage (Part C)
➤ Affordable Care Act (ACA - Marketplace)
➤ Private Medical Plans
➤ Travel Major Medical Insurance (for U.S. Residents & Noncitizens or Foreign Nationals)
➤ Prescription Drugs (Part D)
➤ Dental & Vision
OTHER PRODUCTS
➤ Cancer & Critical Illness
➤ Long/Short-Term Disability
➤ Hospital Indemnity
➤ Accident Only or Accidental Death & Dismemberment
➤ Kidnap & Ransom
PERSONAL EMERGENCY RESPONSE SERVICES (PERS)
➤ I have partnered with Best Buy to offer discounted rates on PERS devices.
Life Insurance, Annuities, and Long-Term Care
➤ LIFE & ANNUITIES
Whether you're looking to protect yourself against the loss of income, or you want to insure that a mortgage gets paid off in the event of a death, or you're looking to create a stream of income for retirement, I can assist you with finding the right products to protect you and your family against the uncertainties of life.
➤ LONG-TERM CARE (LTC)
Long-term care may be the most catastrophic emotional and financial experience any family will ever go through.
Although most individuals and families feel that they will be able to bear the burden, the reality is much more bleak.
Long since the inception of the traditional long-term care plan approach, today's hybrid plan options are affordable and tailored to fit the customer's needs.
Get affordable LTC coverage that you cannot outlive, and without the risk of losing your principal investment.
Health Insurance for
Employers
When planning to offer health insurance, employers focus on balancing affordability, regulatory compliance, and talent retention. Finding the right plan options requires weighing business budgets against workforce health needs.
IMPORTANT CONSIDERATIONS INCLUDE
➤ Cost & Contribution Strategies
➤ Compliance & Penalties
➤ Network Adequacy
➤ Employee Choice & Flexibility
➤ Talent Attraction
PLAN OPTIONS AVAILABLE TO EMPLOYERS:
✔ Comprehensive Group Health Insurance (small & large)
✔ SHOP - Small Business Health Options (ACA)
✔ ICHRA - Individual Coverage HRA
✔ QSEHRA - Qualified Small Employer HRA
✔ GCHRA - Group Coverage HRA
✔ EBHRA - Expected Benefit HRA
✔ HSA - Health Savings Account
✔ FSA - Flexible Savings Account
✔ Section 125 - Cafeteria Plans
✔ Employer Payment Plans
Legal Services & Notary Services
➤ LEGAL SERVICES
I have partnered with LegalShield to offer affordable legal and identity theft protection benefits to my clients.
Many people have insurance to protect their health, home, vehicle, income, and life, but few have a plan in place when legal issues arise. LegalShield provides access to experienced law firms for a low monthly fee, helping individuals, families, and businesses address everyday legal matters without worrying about expensive hourly attorney fees.
What Are Legal Protection Benefits?
LegalShield provides access to legal services for a variety of common situations, including: • Estate planning documents, including wills and powers of attorney • Family law matters • Real estate transactions and landlord/tenant issues • Traffic violations • Consumer disputes and debt collection matters • Contract and document review • Identity theft protection and restoration services • Small business legal support Whether you need legal advice, document review, or representation for covered matters, LegalShield makes it easier and more affordable to access qualified attorneys when you need
them.
Available Plan Options:
Personal & Family Plans – Legal and identity theft protection for individuals and families.
Small Business Plans – Legal services designed to support business owners and entrepreneurs.
Group Plans – Available for businesses with 2 or more employees and can be offered as a valuable employee benefit.
➤ NOTARY SERVICES
Notary Public - State of Florida
Notary ID No. 1705260
Commission No. HH 243269
Mobile notary services are available for every need.
