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Request An Affordable Care Act Quote!
Call today for quotes
on health insurance
for Medicare beneficiaries
or any other type of
health or life insurance!
Medicare Beneficiaries:
877-734-3884 (TTY: 711)
All Other:
786-970-0740 (CELL)
Request An Affordable Care Act Quote!
Call today for quotes on health insurance for
or any other type of health or life insurance!

877-734-3884 (TTY: 711)

All Other:
786-970-0740 (CELL)

Prescription Drug Savings

Prescription drug coverage is an Essential Health Benefit under the Affordable Care Act, and prescription drug coverage must be included in all Affordable Care Act-qualified plans. Co pays, coinsurance and deductibles for covered prescription drugs count against the maximum-of-pocket limit for Affordable Care Act plans. Medicare-eligibles can enroll in a Medicare Advantage Prescription Drug plan or stand-alone Part D Prescription drug plan which offers coverage for outpatient drugs.

However, individuals may (1) be uninsured for outpatient prescription drug coverage; (2) be taking a drug that is not included in their plan’s formulary; (3) be looking for a more inexpensive way to buy a medication than through their drug plan; or (4) not be able to afford a particular medication.

The following sections of this page provide tips and information on how to save money on prescription drugs.

Consider Switching To Generics Or Other Lower-Cost Drugs

There may be generic or less-expensive brand-name drugs that would work just as well as the ones you're taking now. Talk to your doctor to find out if these are an option for you. You might also be able to lower prescription costs by using mail-order pharmacies.

Drug Discounts

You can often save by buying prescriptions at GoodRx, Single Care, Blink Health, or by using this (or some other) free Medication Savings Program card. See this article from Healthline for their choice of The 12 Best Prescription Discounts To Help You Save.

If you’re looking for lower prices on normally high-priced generic drugs, check out Mark Cuban’s Cost Plus Drugs.

Also, check out the Prescryptive Health mobile application.

Pharmaceutical Company Assistance Programs

Find out whether there’s a Pharmaceutical Assistance Program (these are programs offered by drug manufacturers) that can lower prescription costs for the drugs you take. Some of these programs are exclusively for people with Medicare Part D plans, whereas others are only offered to those with private insurance and are not available for people on Medicare.

State Pharmaceutical Assistance Programs.

Many states and the U.S. Virgin Islands offer help paying for prescriptions, drug plan premiums and/or other drug costs. Find out if your state has a State Pharmaceutical Assistance Program.

Purchase Drugs From Canada Or Other Countries

You may be interested in purchasing drugs from an international pharmacy (e.g., Canada Prescriptions Plus, Pharmacy Checker, Pharm Store or Israel Pharm) Please call us at 561-734-3884 for more information and to learn how you can access one or more of these sites.

2023 Schedule
Affordable Care Act Special Enrollment

Affordable Care Act open enrollment began November 1, 2022 and ended January 15, 2023 on the Federal Facilitated Marketplace (

Since Open Enrollment has ended, you MUST NOW HAVE a Qualifying Life Event to enroll in a plan with an effective date anytime in 2023.

Call Us At 786-970-0740 (Cell)
to determine what kind of plan you may be eligible for.

2023 Medicare Enrollment

The Annual Enrollment Period for Medicare-eligibles ran from October 15 through December 7, 2022 for a January 1, 2023 effective date.

Otherwise, you’re eligible to enroll ONLY if you’re first becoming eligible for Medicare or are eligible for another type of enrollment period. Enrollment rules differ between Medicare Supplement plans and Medicare Advantage, Medicare Advantage Prescription Drug, and stand-alone Prescription Drug Plans.

Call us at 561-734-3884 (TTY: 711) or 877-734-3884 (TTY: 711) for details.

family consulting

We offer a comprehensive set of Affordable Care Act (“Obamacare”) plans

to individuals and families qualified to buy health (tax- and non-tax subsidized) insurance and dental/vision and/or hearing plans through the Federal marketplace (this is called buying “on-exchange” or “on-marketplace”) or directly from insurance carriers (this is referred to as buying “off-exchange or -marketplace”). Our Affordable Care Act policies comply with the Affordable Care Act and contain all of the “essential health benefits” required by that law.

The dental/vision and/or hearing insurance

products are available both on an insured or discount basis

We offer short-term health insurance policies

for those who are looking for more inexpensive coverage and shorter term alternatives.

We offer Medicare Supplement, Medicare Advantage, and Part D Drug plans

to Medicare beneficiaries. Our site is compliant with federal, state, and carrier guidelines in selling these policies. See the Medicare section of this site for details.

We represent many carriers that offer supplemental benefits

to both individuals and families and Medicare beneficiaries, and the site contains information about hospital indemnity, cancer, critical illness, gap, accident, and international medical insurance offered by many different carriers. This section of the site also contains valuable information and tools about lowering the cost of prescription medications. Call us if you want more information about or would like to enroll in one of these products.

We also offer Short- and Long-Term Disability products

and can also help you meet the costs of long-term care, nursing home, or short-term (recovery) care needs.

Finally, we have a complete array of Life, Final Expense, and Annuity products

and offer pre-need services in Florida, as we have both life insurance and pre-need licenses in that state.

You pay nothing for our services:

we’re paid directly from the carriers we represent, Premiums are NEVER EVER marked up to include paying us for our services: you pay the same whether you order directly from the carrier or the marketplace on your own or directly through us or from our site.

We ONLY offer alternatives that are suitable for you and for which we feel meet YOUR needs.
When or if we feel a product or service is not appropriate for you from either a cost or benefit point of view we will tell you so.

We’re fully compliant with privacy and security guidelines, have signed all required privacy and security agreements, have developed a privacy and security policy, and take extraordinary steps to safeguard your protected health and personal information.
In short, we’re experts in all aspects of health and life insurance and also have relationships with professionals who can help you with very specialized situations.

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