Looking for a Medicare Agent Near You?
You Just Found One.
I'm Carmelo Rosa — a licensed, independent Medicare advisor based in South Florida and serving clients coast to coast. Whether you prefer to meet in person, by phone, or over video, I make Medicare simple. And it costs you nothing.
What to Look For in a Local Medicare Agent
Not all Medicare agents are the same. Here's what separates a trustworthy advisor from a high-pressure salesperson.
Independent (Not Captive)
A captive agent only sells one company's plans. An independent advisor like me compares plans across multiple top carriers to find your best fit.
Truly Local
Avoid 1-800 call centers. A local agent knows your area, the doctors, the hospitals, and the plans that actually work in your zip code.
Licensed & Certified
I'm a Licensed Insurance Broker (NPN 21077776) appointed with all major Medicare carriers. I take continuing education every year.
Year-Round Support
Some agents disappear after enrollment. I'm here for plan reviews, billing questions, and changes — every year, for life.
Frequently Asked Questions
How much does a Medicare agent cost?
Nothing. Licensed Medicare agents are paid directly by the insurance carriers. You pay the exact same premium whether you enroll through me or directly with the carrier — but with me, you get personalized guidance and lifetime support at no extra cost.
Do I need a Medicare agent in my state?
You need an agent licensed in your state. I'm licensed coast to coast in 14 states and adding more — and I can often get licensed in a new state within days, so reach out even if you don't see yours. Many clients prefer working with me by phone or video even when they have local options — because I take the time to actually explain things.
What's the difference between a Medicare agent and a Medicare broker?
A captive agent represents one insurance company. A broker (also called an independent agent) represents many. I'm a broker, which means I can compare plans across carriers like Aetna, Humana, Mutual of Omaha, Cigna, UnitedHealthcare, and more.
When should I contact a Medicare agent?
Three months before you turn 65 is ideal. But it's never too late — I help people during Initial Enrollment, Annual Enrollment (Oct 15–Dec 7), Open Enrollment (Jan 1–Mar 31), and Special Enrollment Periods after life events like moving or losing employer coverage.
Ready to Talk to a Real Medicare Advisor?
No call center. No pressure. Just clear answers from someone who actually picks up the phone.