About Medicare Experts
For over 25 years, we've been helping seniors across the Southeast make confident, informed decisions about their Medicare coverage.
Our Story
Your Medicare plan should fit your life not the other way around.
Most people put more thought into planning their next vacation than into choosing Medicare — yet Medicare follows you every day of the year, for the rest of your life. That's not a criticism; it's a reflection of how confusing the system is. With dozens of plans, shifting costs, and consequences that stay with you, one wrong move can lock you into the wrong coverage, the wrong network, or unexpected bills.
Medicare Experts, a division of Optimum Financial Brokerage, Inc., was built for exactly this moment. We exist to cut through the noise — and to make sure the most important coverage decision of your life is one you feel genuinely confident about.
"We don't work for the insurance companies. We work for you."
As independent brokers, we compare dozens of options — Medicare Advantage, Medigap, and Part D — across the market to find what actually fits your doctors, your prescriptions, your health, and your budget. Like all Medicare brokers, we're compensated by insurance companies when we place a plan — never by you. But unlike many brokers, our advisors are salaried professionals. They're not chasing a bigger commission check. Their job is simply to find the right plan for your situation.
Decades of expertise
Advanced professional designations and deep Medicare specialization — not generalists, not call centers.
We take the time
We learn your situation before recommending anything — your doctors, medications, budget, and what matters to you.
Always free to you
You'll never pay us a fee. Our advisors are salaried — so their only incentive is getting your plan right.
This is the highest-stakes financial and healthcare decision most people make at retirement. It deserves more than a 1-800 number and a rushed conversation. It deserves an advisor who knows your name.
Ready to get clarity?
Talk to a Medicare Expert — no pressure, no fees, no confusion.
Our Values
The principles behind every conversation we have.
Client first
Every recommendation we make is based on what's best for you. Our advisors are salaried professionals, so the right plan for your life is always the only plan we're looking for.
Integrity
We'll always tell you the truth about your options — even if that means recommending you stay with your current plan.
Education
Informed clients make better decisions. That's why we offer free Medicare Education Seminars and educational resources to help you understand your options before you choose.
Excellence
Medicare changes every year. We stay current on every plan update, every carrier change, and every new option — so you never have to.
Why It Matters
Why choose an independent broker?
More options
Captive agents can only show you their company's plans. As independent brokers, we compare options from dozens of carriers to find what actually fits your life.
No bias
Our advisors are salaried professionals, not commission chasers. That means every recommendation is driven by one thing only — what's right for you.
Same price
You'll pay exactly the same price whether you enroll through a carrier or through us. The difference is what you get — a call center or an advisor who knows your name, understands your needs, and will still be here when Medicare changes and your life does too.
Ongoing support
We don't disappear after you enroll. We're here year-round for questions, claims issues, and annual plan reviews — because your needs don't stop after enrollment day.
Local knowledge
We know which plans carry the best networks in your area, which doctors accept which plans, and how local coverage has changed year over year.