"Working with them was a very positive experience. They were organized, attentive, and followed up consistently."★★★★★ Julian P.
Real customer reviews from Michael's seven years running a prescription-savings team, before founding Brightwater.
How Brightwater Insurance Group can help
An independent, no-pressure look at your options, one conversation at a time.
Medicare Advantage
A free, no-obligation review of your Medicare Advantage options, starting with the doctors you see and the medications you take.
See how a review worksLife Insurance & Final Expense
Final expense and whole life coverage that protects the people who depend on you, no-medical-exam options, and most people qualify.
Get a final expense quoteACA & Marketplace Plans
Health insurance marketplace coverage for people not yet on Medicare. Not offered today. Call to be notified when it launches.
Read moreHospital Indemnity
Supplemental coverage that can help with costs from a hospital stay. Not offered today.
Read moreFinal expense coverage, built for Florida families
A simple whole life policy that covers funeral costs and final bills, so the people you love never carry them.
- ✓ No medical exam options, most people qualify
- ✓ $5,000–$25,000 in coverage, sized to your budget
- ✓ Your rate is locked in: it never goes up
How it works
Three simple steps, all by phone, no office visit, no paperwork to start, no pressure.
Call or send your info
Reach out by phone or fill in the quick form, whatever is easiest for you.
We review your medications and doctors together
We go through the medications you take and the doctors you see, side by side, right over the phone.
See how the options line up
We compare how the options line up so you can decide what fits, no obligation. If you choose to enroll, that happens by phone too, from the comfort of your own home.
Nine carriers. One honest comparison.
Michael doesn't work for an insurance company. He works with nine of them. That's what independent means: your doctors and medications get compared across the plans available in your county, and the recommendation follows what fits you, not a sales quota.
Start your free comparison
Where we work
Licensed and appointed in the highlighted states — every step handled by phone, wherever home is. New states are added as we grow.
Florida
Humana · UnitedHealthcare · Aetna · CarePlus · Devoted Health · Florida Blue · Simply Healthcare · Wellcare · Cigna HealthSpring
Texas
UnitedHealthcare · Humana · Aetna · Devoted Health · Wellcare · Cigna HealthSpring
Plan availability varies by county. Not all carriers offer plans in every area.
About Brightwater Insurance Group
Brightwater Insurance Group is an independent Medicare insurance agency based in Miami, serving all of Florida. It's led by Michael von Heesen, a licensed insurance agent with more than 10 years of experience helping people make sense of prescription costs and healthcare decisions. The approach starts the same way every time: your doctors and your medications, checked first, and everything from the first call to enrollment can be handled by phone, from home.
Meet MichaelPrefer to talk? Call directly.
Speak with a licensed insurance agent, no phone tree, no pressure.
When you call, you'll reach Michael directly, no call center, no scripts, no pressure to enroll on the spot.