Independent guidance for Medicare, ACA Marketplace, dental, vision, life, and more — across FL, GA, OH, TN, and LA. My help costs you nothing.
Deductibles, networks, enrollment windows, metal tiers, Medigap versus Advantage — it is a lot, and the stakes are personal. My name is Brian Smith, and I am an independent Health and Medicare insurance broker. My whole job is to translate all of that into plain English, help you weigh your real options, and make sure the plan you choose actually fits your life and your budget. There is never any pressure, and my help costs you nothing.
I work with individuals, families, and people approaching or already on Medicare across five states. Because I am independent, I am not tied to a single insurance company — I represent many carriers, so I can compare plans side by side and recommend what is genuinely best for you.
Most people come to me for one need and discover I can help with several. Choose the coverage you are curious about, or call me and we will figure it out together.
Medicare Advantage, Medigap, and Part D prescription drug plans.
Learn more →Individual and family Marketplace plans with every subsidy you qualify for.
Learn more →Standalone plans for cleanings, crowns, exams, and more.
Learn more →Coverage for eye exams, glasses, and contacts.
Learn more →Term, whole, and universal life to protect the people who depend on you.
Learn more →Affordable burial and funeral coverage so loved ones are not left with the bill.
Learn more →Hospital indemnity, accident, critical illness, and cancer plans.
Learn more →Health care sharing, short-term, and fixed indemnity options.
Learn more →A common myth is that using a broker costs extra or leads to a higher premium. It does not. Insurance prices are set by the carriers and regulators; you pay the same monthly premium whether you enroll on your own or with my help. What you gain is a knowledgeable advocate who does the comparison shopping, explains the fine print, handles the paperwork, and stays available all year — not just during enrollment season.
I also take compliance seriously, which protects you. For Medicare conversations, I follow federal rules to the letter, including completing a Scope of Appointment before we discuss specific Medicare Advantage or Part D plans, and only contacting you after you have given permission.
Our first conversation is about your health, your budget, the doctors and prescriptions you want to keep, and what you are hoping insurance will do for you. No script, no pressure.
I present your choices clearly, side by side, and explain the trade-offs in plain language. You make the decision at your own pace, and I take care of the enrollment paperwork.
I stay available all year for questions, claims, and ID cards, plus an annual review each fall to make sure your plan still fits as prices and your needs change.
Reach me directly and we will go at your pace — no script, no pressure.
(727) 222-1114Face-to-face visits are available within about 30 miles of Riverview, Florida, including Apollo Beach, Sun City Center, and Brandon.
No. My services are completely free to you. Insurance prices are set by the carriers, so you pay the same premium whether you enroll on your own or with my help.
I am glad to review your current plan at no cost and tell you honestly whether it still fits or whether a better option is available. Sometimes the best advice is to keep what you have.
Medicare, ACA health, dental, vision, life, final expense, and supplemental coverage — all coordinated through one trusted advisor instead of several.
Reach out by video, phone, or in person, and we will have a relaxed conversation about your needs. There is never any obligation.
There is no cost and no obligation — just honest answers to your questions. Reach out however is easiest for you.
I typically reply within one business day.
Prefer to skip the form? Reach me directly — whichever way is easiest for you.
Visits available within about 30 miles of Riverview, Florida, including Apollo Beach, Sun City Center, and Brandon.
Mon–Fri, 8am–6pm ET, with flexible evening and weekend appointments by request.