Finally, Medicare guidance you can trust and understand.
Comprehensive Medicare & Insurance Solutions
Expert guidance across all your Medicare and insurance needs. Every consultation is free, and our recommendations
are always based on what's best for you—not what earns us the highest commission.
Our Services
At Nexus Insurance Brokerage, we provide comprehensive guidance across all
Medicare options and complementary insurance solutions. Our independent approach
means we work for you, not insurance companies.
Medicare Advantage (Part C)
All-in-One Medicare Coverage
Medicare Advantage plans bundle your hospital coverage (Part A), medical coverage (Part B), and usually prescription drugs (Part D) into one convenient plan from a private insurance company.
Benefits
Often $0 or low monthly premiums
May include dental, vision, and hearing benefits
Prescription drug coverage typically included
Out-of-pocket maximum limits your annual costs
Extra benefits like wellness programs or transportation
Good for: People who want everything in one plan.
2025 Updates
Medicare Advantage plans continue to expand benefits and improve coverage options. Many plans now offer additional services like:
Popular Medigap Plans
Plan G: Covers all Medicare gaps except the Part B deductible
Plan N: Lower premiums with small copays for office visits
Plan F: Comprehensive coverage (available only to those Medicare-eligible before 2020)
Important: You have a one-time, 6-month Medigap Open Enrollment Period when you first get Part B at 65—no medical underwriting then.
Medicare Supplement (Medigap)
Fill the Gaps in Original Medicare
Medicare Supplement insurance helps pay the costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles.
Benefits
Use any doctor who accepts Medicare
Predictable out-of-pocket costs
No referrals required for specialist
Coverage travels with you nationwide
Guaranteed renewable for life
Good for: People who want freedom to choose any Medicare-accepting doctor and prefer predictable costs.
Medicare Supplement (Medigap)
Fill the Gaps in Original Medicare
Medicare Supplement insurance helps pay the costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles.
Benefits
Use any doctor who accepts Medicare
Predictable out-of-pocket costs
No referrals required for specialist
Coverage travels with you nationwide
Guaranteed renewable for life
Good for: People who want freedom to choose any Medicare-accepting doctor and prefer predictable costs.
Popular Medigap Plans
Plan G: Covers all Medicare gaps except the Part B deductible
Plan N: Lower premiums with small copays for office visits
Plan F: Comprehensive coverage (available only to those Medicare-eligible before 2020)
Important: You have a one-time, 6-month Medigap Open Enrollment Period when you first get Part B at 65—no medical underwriting then.
Part D Prescription Drug Plans
Standalone Prescription Coverage
If you choose Original Medicare, you can add a standalone Part D plan for prescription drug coverage.
2025 Major Updates:
Out-of-pocket costs capped at $2,000 annually
New payment options for high-cost medications
Monthly payment plan available for expensive drugs
Good for: People with Original Medicare or a Medigap policy who need prescription drug coverage.
Important Reminders
Late Enrollment Penalty: You might pay a 1% penalty for every uncovered month, added to your premium if you don't have credible coverage.
Formulary Changes: Drug lists can change annually, so we review your medications during each enrollment period.
Plan Comparison: We analyze your specific medications to find the most cost-effective plan.
Our Carrier Partners
We work with highly-rated insurance companies including Athene, F&G, National Life Group, North American, SILAC, Nassau, Americo, and Transamerica.
All guarantees rely on the claims-paying ability of the issuing insurer.
Retirement Planning Solutions
Separate from Medicare Services
Turn part of your retirement savings into guaranteed income you can't outlive. We work with top-rated carriers to provide various annuity solutions.
Fixed Annuity Options:
Multi-Year Guaranteed Annuities (MYGAs)
Fixed Indexed Annuities (FIAs)
Immediate and Deferred Income Annuities
Qualified Longevity Annuity Contracts (QLACs)
Retirement Planning Solutions
Separate from Medicare Services
Turn part of your retirement savings into guaranteed income you can't outlive. We work with top-rated carriers to provide various annuity solutions.
Fixed Annuity Options:
Multi-Year Guaranteed Annuities (MYGAs)
Fixed Indexed Annuities (FIAs)
Immediate and Deferred Income Annuities
Qualified Longevity Annuity Contracts (QLACs)
Our Carrier Partners
We work with highly-rated insurance companies including Athene, F&G, National Life Group, North American, SILAC, Nassau, Americo, and Transamerica.
All guarantees rely on the claims-paying ability of the issuing insurer.
Life Insurance Solutions
Separate from Medicare Services
Protect your family's financial future and cover final expenses with appropriate life insurance coverage.
Coverage Options:
Final Expense Insurance (Burial Insurance)
Term Life Insurance
Whole Life Insurance
Universal/Indexed Universal Life
Final Expense Highlights
Smaller face amounts ($5,000-$40,000) designed specifically for seniors age 50-85:
Simplified health questions
Premiums never increase
No medical exam required
Coverage for funeral and final costs
How We Work Together
1Free Consultation (30-45 minutes))
We discuss your health needs, budget, doctors, and medications. No pressure—just education and honest answers.
2Personalized Plan Analysis
We research and compare available plans in your area, providing written recommendations with clear explanations.
3Simple Enrollment Process
Choose your plan, and we handle all the paperwork. Everything is done electronically for your convenience.
4Ongoing Support
Annual reviews, plan changes, and lifetime support—we're here whenever you need us.
Still Have Questions?
Can't find what you're looking for? We're here to help with personalized answers.
Available 7 days a week • No pressure, just honest answers
Medicare Disclaimer: "We do not offer every plan available in your area. Currently, we represent 14 organizations which offer 60 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all your options."
Federal Contracting Statement: Nexus Insurance Brokerage is not affiliated with the U.S. government or the federal Medicare program. Enrollment in any plan depends on contract renewal.
Accessibility Statement: For accommodations of persons with special needs at meetings, call (813) 590-0124 (TTY 711).
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