The End of Medicare Confusion Starts Here
Howard J. Sobel is your personal, no-cost Medicare concierge — comparing plans across multiple carriers and matching you to the one that fits your health, your doctors, and your budget. No call centers. No sales quotas. Just clear answers.
Hi, I'm Howard. I've built my practice around one idea: Medicare should be explained plainly, by the same person, every year. Read my story →
A concierge approach to Medicare
You get a real person who listens first, explains plainly, and stays with you year after year — never a call center, never pressure.
Truly no-cost
Our services never cost you a penny. We're compensated by the insurance carriers, so your premium is exactly the same whether you use us or not.
Independent & unbiased
We're not tied to one company. We shop multiple carriers so the recommendation is based on what's best for you — not a sales quota.
Doctors & drugs first
We check that your physicians are in-network and your prescriptions are covered before you enroll — so there are no surprises.
Coverage for every stage
Explore the options — then let's build the right combination together.
Medicare Advantage
All-in-one Part C plans that often include dental, vision, hearing and prescription coverage — frequently with a $0 monthly premium.
Explore Advantage →Medicare Supplement
Medigap plans that pair with Original Medicare to cover the gaps — predictable costs and freedom to see any doctor that accepts Medicare.
Explore Supplements →Prescription Drug Plans
Standalone Part D coverage. We run your exact medication list to find the plan with the lowest total yearly cost.
Explore Part D →Dental · Vision · Hearing
Fill the gaps Original Medicare leaves behind with affordable DVH coverage for cleanings, glasses and hearing aids.
Explore DVH →Turning 65
New to Medicare? We'll walk you through enrollment step-by-step so you sign up on time and avoid lifelong penalties.
Get the roadmap →Still Working Past 65
Have employer coverage? We'll help you decide whether to enroll now or delay — and how to avoid costly mistakes.
See your options →The 3-Step Medicare Risk Audit
Our signature process for protecting your doctors, your prescriptions, and your budget — free, every time.
Network Integrity Verification
We check your primary care physicians, specialists and hospitals against each plan's network, so you don't lose access to doctors you trust.
Formulary Tier Analysis
We map your exact prescription list against each carrier's drug tiers, so there are no surprises at the pharmacy counter.
Out-of-Pocket Risk Benchmarking
We compare total annual cost exposure, copays and premium history, so you know what you're really paying — not just the sticker price.
Guidance you can trust
Cost for our help
Carriers compared
Licensed & local
Personal concierge
Client reviews
Been a client? We'd be grateful for a few words — it helps other Florida seniors find us.
Before you call, you probably want to know…
Is this really free for me?
Yes. We're compensated by the insurance carriers, not by you, so our guidance never costs you a penny and your premium is the same whether you use us or not.
Will I lose my current doctor if I switch plans?
We check your specific doctors and prescriptions against each plan's network and formulary before you enroll, so there are no surprises after the fact.
What's the difference between Medicare Advantage and Medicare Supplement?
Medicare Advantage bundles your coverage into one plan with a network and copays. A Medicare Supplement pairs with Original Medicare for broader doctor freedom and predictable costs. We'll compare both against your situation.
When can I enroll or make changes?
It depends on your situation — turning 65, the Annual Enrollment Period (Oct 15–Dec 7), or a qualifying Special Enrollment Period. We'll tell you exactly which windows apply to you.
Do you only work with one insurance company?
No. As an independent agency, we compare plans across multiple carriers, so the recommendation is based on what fits you — not a single company's product line.
What is the 3-Step Medicare Risk Audit?
It's our signature review process, run free for every client: we verify your doctors and hospitals are in-network (Network Integrity Verification), map your prescriptions against each plan's drug tiers (Formulary Tier Analysis), and compare your true annual cost exposure across options (Out-of-Pocket Risk Benchmarking) — before you enroll in anything.
Ready to end the Medicare confusion?
Book a free, no-obligation consultation and get clear answers from a licensed local expert.