Turning 65? Not all doctors and medications are covered the same.
Make sure yours are. A free plan review with a licensed independent Florida Medicare agent checks your doctors and your medications by name — all by phone, from home, before you enroll.
When you call, you'll reach Michael directly — no call center, no scripts, no pressure to enroll on the spot.
How it works
Three simple steps — no pressure, and nothing to sign up for.
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.
See how the options line up
We compare how the options line up so you can decide what fits — no obligation.
Not all doctors and medications are covered the same
Every Medicare plan has its own doctor network and its own formulary — the list of medications it covers and the rules around them. Two plans can treat the very same doctor visit or prescription very differently. A free review shows you how the options line up with the doctors you see and the medications you actually take.
The doctors you want to keep
Every plan has its own network, and not every doctor is in it. We check your doctors by name against each plan's directory before anything else — if a plan doesn't include them, it comes off the list.
Blood thinners like Eliquis
A common prescription such as Eliquis can sit on different coverage tiers depending on the plan. A review checks whether your plan handles it the way you expect, so there are no surprises at the pharmacy counter.
Diabetes medications like Jardiance
Coverage rules for medications like Jardiance vary from plan to plan — some require extra steps before they are covered. Knowing this ahead of time helps you compare your options clearly.
Newer medications like Ozempic
Widely prescribed medications like Ozempic are not treated identically everywhere. A plan review shows how your medications are covered so you can make an informed choice for the year ahead.
Prefer to talk? Call me directly.
Speak with a licensed Florida agent — no phone tree, no pressure.
About Brightwater Insurance Group
Brightwater Insurance Group is an independent Medicare agency based in Miami, serving all of Florida by phone — led by Michael, a licensed Florida agent with more than 10 years helping people navigate healthcare costs. Michael doesn't work for one insurance company — he works with six of them, including Humana, UnitedHealthcare, and Aetna. 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.
Request your free, no-obligation plan review
Tell us a little about your situation and a licensed agent will follow up. It only takes a minute.