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Licensed Medicare Broker · Boca Raton, FL

Medicare made clear, finally.

I'm John Nightingale. Turning 65, retiring, or unhappy with your plan? I compare Medicare Advantage, Supplement, and drug plans from 12+ carriers, at no cost to you. Straight answers, zero pressure.

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Find My Medicare Plan Book a Free Consultation
  • 20+ years experience
  • 12+ carriers compared
  • Licensed in 7 states
  • NPN 10308000
John Nightingale, Licensed Medicare Broker in Boca Raton, FL

John Nightingale

Licensed Medicare Broker · NPN 10308000

Comparing Medicare plans from 12+ carriers, including

When plans compete, you win.

You're not stuck with the first plan a TV commercial sells you. I compare Advantage, Supplement, and drug plans across 12+ carriers so your coverage fits your doctors, your medications, and your budget.

0yrs
of industry experience
0+
top-rated carriers compared
0+
ways to get you covered
$0
cost for my help, ever

Simple by design

How does getting Medicare help work?

No jargon, no pressure, no obligation. Three steps from confused to confidently covered.

STEP 01

Tell me about your needs

A quick call or two-minute form. I learn your doctors, your prescriptions, and what you can comfortably budget.

STEP 02

I compare plans side by side

Advantage, Supplement, and Part D from 12+ carriers, checked against your exact doctors and medications, explained in plain English.

STEP 03

You enroll with confidence

I handle the enrollment paperwork and deadlines, then review your plan with you every single year, free. You will never navigate Medicare alone again.

Coverage options

Let's talk options.

Medicare comes with real choices. Tap any option to see exactly how it works, or answer one quick question and I'll point you to the right path.

Find My Medicare Plan in 60 Seconds

Medicare Advantage (Part C)

More benefits. Lower premiums.

Medicare Advantage plans bundle your hospital and medical coverage into one plan from a private carrier, usually with prescription drug coverage built in. Many plans in your area have low or $0 monthly premiums and include extras Original Medicare doesn't, like dental, vision, hearing, and fitness benefits. The trade-off is a network, which is why matching the plan to your doctors matters.

Best for: People who want one simple plan, low monthly premiums, and extra benefits, and whose doctors are in network.

Common questions

Are $0 premium Medicare Advantage plans really free?
The $0 refers to the plan's monthly premium; you still pay your Part B premium and the plan's copays when you use care. A $0-premium plan can be excellent or a poor fit depending on your doctors and medications, which is exactly what I check before recommending one.
Will my doctors accept my Medicare Advantage plan?
Only if they're in the plan's network. Before you enroll, I verify every one of your doctors, your hospital, and your pharmacy against the plan's directory, so there are no surprises in January.
Does Medicare Advantage include prescription drug coverage?
Most plans do. I run your exact medication list through each plan's formulary to project your true yearly drug costs, not just the premium.
Can I switch out of Medicare Advantage if I don't like it?
Yes. You can switch during the Annual Enrollment Period each fall, and the Medicare Advantage Open Enrollment Period from January through March. Certain situations allow changes at other times. A free plan review is how we decide together.
What do Medicare Advantage plans cover that Original Medicare doesn't?
Depending on the plan: dental cleanings and dentures, eyeglasses, hearing aids, gym memberships, over-the-counter allowances, and transportation to appointments. I compare these extras line by line across carriers.

Apply for Medicare Advantage online

Medicare Advantage (Part C) application

This secure form connects to your GoHighLevel account and goes live the moment it's linked.

Medicare Supplement (Medigap)

Any doctor. Predictable costs.

Medicare Supplement plans work alongside Original Medicare and pay most of what it doesn't, like deductibles and the 20% coinsurance that has no yearly limit. There are no networks: any doctor in the country who accepts Medicare accepts your Medigap plan. Premiums are higher than Advantage, but your out-of-pocket costs become small and predictable.

Best for: People who travel, split time between states, want any specialist without referrals, or simply want maximum predictability.

Common questions

What is the difference between Plan G and Plan N?
Plan G covers nearly everything after the Part B deductible. Plan N trades a lower premium for small copays at the doctor and ER and possible excess charges. For many healthy clients N wins on math; I run both against how you actually use care.
Can I be turned down for a Medicare Supplement?
During your 6-month Medigap Open Enrollment window, starting when you're 65 and have Part B, no. Outside that window most states allow health underwriting, so timing matters enormously. If you're in that window now, let's talk before it closes.
Do Medigap plans cover prescriptions?
No. You pair a Supplement with a stand-alone Part D drug plan. I shop both together so the combination, not just one piece, fits your budget.
Why do identical Medigap plans have different prices?
Plan G from one carrier is legally identical in benefits to Plan G from another; only the price and rate-increase history differ. This is where an independent broker earns their keep: I compare the same letter across a dozen carriers and check how each has raised rates over time.
Can I keep my Medigap plan if I move to another state?
Yes, Medigap travels with you anywhere in the U.S. that accepts Medicare. Your premium may adjust to the new area, and I handle that review for you when you move.

Apply for Medicare Supplement online

Medicare Supplement (Medigap) application

This secure form connects to your GoHighLevel account and goes live the moment it's linked.

Part D Prescription Drug Plans

Your medications, covered properly.

Part D plans cover prescription drugs and vary wildly: the same medication can cost $4 on one plan and $80 on another. The right plan depends on your exact drug list, your pharmacy, and the plan's formulary. I run that comparison every year, because plans change their drug lists annually even when you don't change anything.

Best for: Anyone on Original Medicare or a Supplement, and anyone whose drug costs jumped this year.

Common questions

Do I need Part D if I don't take any medications?
Usually yes, because skipping it triggers a lifelong late-enrollment penalty that grows every month you wait. A low-premium plan protects you from the penalty and from surprise prescriptions after a diagnosis.
Why did my drug costs suddenly go up this year?
Plans change their formularies, tiers, and pharmacy contracts every January. A medication that was tier 2 can quietly become tier 4. That's why I re-run your drug list against every plan each fall during the Annual Enrollment Period.
What is the Part D out-of-pocket cap?
Federal law now caps what you pay out of pocket for covered Part D drugs each year, and once you hit the cap your covered prescriptions cost you nothing for the rest of the year. I factor the cap into your true-cost comparison.
Can I use any pharmacy with a Part D plan?
You can, but each plan has preferred pharmacies where your copays drop, sometimes dramatically. Part of my comparison is checking your pharmacy, and whether switching to mail order would save more.
When can I change my Part D plan?
Every year during the Annual Enrollment Period, October 15 to December 7, with changes effective January 1. Some circumstances, like moving or losing other coverage, open special windows. I check your plan every year either way.

Apply for Part D Prescription Drug Plans online

Part D Prescription Drug Plans application

This secure form connects to your GoHighLevel account and goes live the moment it's linked.

Dental, Vision & Hearing Plans

The coverage Medicare forgot.

Original Medicare generally doesn't cover routine dental work, eyeglasses, or hearing aids, and those are exactly the costs that grow with age. Stand-alone dental, vision, and hearing plans fill that gap for people on Original Medicare or a Supplement, often for less than the cost of a single crown.

Best for: Supplement and Original Medicare members, and anyone facing dentures, implants, cataract eyewear, or hearing aids.

Common questions

Does Medicare cover dental implants or dentures?
Original Medicare almost never does. A stand-alone dental plan can cover a meaningful share of major work like implants, crowns, and dentures, especially if you enroll before you need the work, since many plans have waiting periods for major services.
How much do hearing aids cost with and without coverage?
A quality pair often runs $2,000 to $6,000 retail. Plans with hearing benefits typically cut that dramatically through allowances and negotiated pricing. If hearing is on your mind, tell me and I'll weight the comparison toward strong hearing benefits.
Does Medicare pay for eyeglasses?
Only one pair after cataract surgery. Routine exams and glasses are on you, which is why vision riders and combined dental-vision-hearing plans exist. They're inexpensive and simple to add.
Are these plans worth it if my Advantage plan has some dental?
Sometimes. Advantage dental benefits vary from excellent to a token cleaning. If yours is thin and you expect major work, a stand-alone plan can still make sense. I'll do the math against your plan's actual benefit.
Is there a waiting period for dental coverage?
Preventive care usually starts day one; major services often have 6 to 12 month waiting periods, though some carriers waive them with proof of prior coverage. This is exactly the fine print I read for you.

Apply for Dental, Vision & Hearing Plans online

Dental, Vision & Hearing Plans application

This secure form connects to your GoHighLevel account and goes live the moment it's linked.

Turning 65 Enrollment Help

Turning 65? Start here.

Your Initial Enrollment Period is a seven-month window around your 65th birthday, and the choices you make in it echo for years: Part B timing, Medigap open enrollment rights, drug plan penalties. I walk you through every step, enroll you correctly, and set you up so review season is easy every year after. All at no cost to you.

Best for: Anyone within a year of turning 65, and anyone working past 65 who needs to coordinate employer coverage with Medicare.

Common questions

When exactly do I need to sign up for Medicare?
Your Initial Enrollment Period runs three months before your 65th birthday month, your birthday month, and three months after. Enrolling early in the window means coverage starts on time. If you're within a year of 65, now is the right time to map it out.
I'm still working at 65. Do I have to take Medicare?
If your employer coverage is creditable and the company has 20 or more employees, you can usually delay Part B without penalty. Get this wrong and the penalties are permanent, so this is the single most valuable question to review with me before your birthday.
What are the penalties if I enroll late?
Part B adds 10% to your premium for every 12 months you were late, for life. Part D adds about 1% per month late, also for life. Both are entirely avoidable with correct timing, which is the core of what I do for turning-65 clients.
Advantage or Supplement: how do I choose at 65?
It comes down to your doctors, travel, budget, and risk comfort. At 65 you also hold your once-per-lifetime Medigap open enrollment right, which makes this decision more consequential than most people realize. We'll walk both paths side by side before you commit.
What does your help cost?
Nothing, ever. I'm paid by the carrier you choose, and your premium is identical whether you enroll through me or directly. The difference is you get a local expert who verifies your doctors and drugs and reviews your plan every year.

Apply for Turning 65 Enrollment Help online

Turning 65 Enrollment Help application

This secure form connects to your GoHighLevel account and goes live the moment it's linked.

Who you'll be working with

Who is John Nightingale?

Portrait of John Nightingale

20+

years protecting families

I'm a licensed Medicare broker with over 20 years helping people navigate the transition to Medicare and make confident choices every year after. Whether you're turning 65, retiring past 65, or unhappy with your current plan, I compare Medicare Advantage, Supplement, and prescription drug plans from a dozen top-rated carriers to find what actually fits your doctors, your medications, and your budget. My help costs you nothing, and I review your coverage with you every single year.

Proudly serving families across Boca Raton, Miami-Dade County, and the greater Miami- Ft. Lauderdale area.

Licenses & qualifications

  • Licensed in: Florida, Iowa, Minnesota, Washington, South Carolina, California, Oklahoma
  • National Producer Number: 10308000
  • 20+ years of experience
  • Access to 12+ top-rated carriers

Why clients choose me

  • I shop multiple carriers to find your best fit
  • Straightforward advice with no pressure
  • Fast quotes and a simple, guided process
  • Support for the life of your policy

Real reviews, straight from Google

What are clients in Boca Raton saying?

These reviews come directly from my Google Business Profile. I can't edit them, and I wouldn't want to.

My gift to you

Free planning resources, no strings attached

Whether we ever work together or not, these will help you make smarter Medicare decisions.

Free Turning-65 Medicare Checklist cover

Free Turning-65 Medicare Checklist

Every deadline, decision, and document for your first year of Medicare, in one simple checklist.

Free Guide: Advantage vs. Supplement cover

Free Guide: Advantage vs. Supplement

The honest side-by-side comparison, costs, networks, and trade-offs, in plain English.

Zero pressure. Ever.

Book a Free Consultation

Pick a time that works for you. Bring your questions, your medication list, or just your confusion. If I'm not the right fit, I'll tell you and point you in the right direction anyway.

Your booking calendar

This secure booking calendar connects to your GoHighLevel account and goes live the moment it's linked.

Prefer to talk right now? Call or text (561) 287-3456

Good questions

Frequently asked questions

Pick a topic. Straight answers, no jargon.

Does it cost anything to work with a Medicare broker?
No. I'm paid by the insurance carrier you choose, and your premium is exactly the same as enrolling directly. The difference is you get someone who compares 12+ carriers, verifies your doctors and prescriptions, and reviews your plan every year.
When can I enroll in or change a Medicare plan?
Turning 65 opens your seven-month Initial Enrollment Period. After that, the Annual Enrollment Period runs October 15 to December 7 each year, and Medicare Advantage members get another window from January through March. Life events like moving can open special windows too.
Can I keep my doctor on a Medicare plan?
That depends on the plan, and it's the first thing I check. With a Supplement, any doctor who accepts Medicare accepts you. With Advantage, your doctors need to be in network, so I verify every one of them before you enroll.
What doesn't Medicare cover that surprises people?
Routine dental, eyeglasses, hearing aids, and long-term care are the big four. Most of my clients close those gaps with the right Advantage plan or affordable stand-alone coverage. We look at it together so nothing surprises you later.
My plan worked last year. Do I really need an annual review?
Yes, because plans change even when you don't. Premiums, drug formularies, networks, and benefits reset every January. A 20-minute review each fall is how my clients avoid quiet cost increases. It's free and I do it for every client.
Are $0 premium Medicare Advantage plans really free?
The $0 refers to the plan's monthly premium; you still pay your Part B premium and the plan's copays when you use care. A $0-premium plan can be excellent or a poor fit depending on your doctors and medications, which is exactly what I check before recommending one.
Will my doctors accept my Medicare Advantage plan?
Only if they're in the plan's network. Before you enroll, I verify every one of your doctors, your hospital, and your pharmacy against the plan's directory, so there are no surprises in January.
Does Medicare Advantage include prescription drug coverage?
Most plans do. I run your exact medication list through each plan's formulary to project your true yearly drug costs, not just the premium.
Can I switch out of Medicare Advantage if I don't like it?
Yes. You can switch during the Annual Enrollment Period each fall, and the Medicare Advantage Open Enrollment Period from January through March. Certain situations allow changes at other times. A free plan review is how we decide together.
What do Medicare Advantage plans cover that Original Medicare doesn't?
Depending on the plan: dental cleanings and dentures, eyeglasses, hearing aids, gym memberships, over-the-counter allowances, and transportation to appointments. I compare these extras line by line across carriers.
What is the difference between Plan G and Plan N?
Plan G covers nearly everything after the Part B deductible. Plan N trades a lower premium for small copays at the doctor and ER and possible excess charges. For many healthy clients N wins on math; I run both against how you actually use care.
Can I be turned down for a Medicare Supplement?
During your 6-month Medigap Open Enrollment window, starting when you're 65 and have Part B, no. Outside that window most states allow health underwriting, so timing matters enormously. If you're in that window now, let's talk before it closes.
Do Medigap plans cover prescriptions?
No. You pair a Supplement with a stand-alone Part D drug plan. I shop both together so the combination, not just one piece, fits your budget.
Why do identical Medigap plans have different prices?
Plan G from one carrier is legally identical in benefits to Plan G from another; only the price and rate-increase history differ. This is where an independent broker earns their keep: I compare the same letter across a dozen carriers and check how each has raised rates over time.
Can I keep my Medigap plan if I move to another state?
Yes, Medigap travels with you anywhere in the U.S. that accepts Medicare. Your premium may adjust to the new area, and I handle that review for you when you move.
Do I need Part D if I don't take any medications?
Usually yes, because skipping it triggers a lifelong late-enrollment penalty that grows every month you wait. A low-premium plan protects you from the penalty and from surprise prescriptions after a diagnosis.
Why did my drug costs suddenly go up this year?
Plans change their formularies, tiers, and pharmacy contracts every January. A medication that was tier 2 can quietly become tier 4. That's why I re-run your drug list against every plan each fall during the Annual Enrollment Period.
What is the Part D out-of-pocket cap?
Federal law now caps what you pay out of pocket for covered Part D drugs each year, and once you hit the cap your covered prescriptions cost you nothing for the rest of the year. I factor the cap into your true-cost comparison.
Can I use any pharmacy with a Part D plan?
You can, but each plan has preferred pharmacies where your copays drop, sometimes dramatically. Part of my comparison is checking your pharmacy, and whether switching to mail order would save more.
When can I change my Part D plan?
Every year during the Annual Enrollment Period, October 15 to December 7, with changes effective January 1. Some circumstances, like moving or losing other coverage, open special windows. I check your plan every year either way.
Does Medicare cover dental implants or dentures?
Original Medicare almost never does. A stand-alone dental plan can cover a meaningful share of major work like implants, crowns, and dentures, especially if you enroll before you need the work, since many plans have waiting periods for major services.
How much do hearing aids cost with and without coverage?
A quality pair often runs $2,000 to $6,000 retail. Plans with hearing benefits typically cut that dramatically through allowances and negotiated pricing. If hearing is on your mind, tell me and I'll weight the comparison toward strong hearing benefits.
Does Medicare pay for eyeglasses?
Only one pair after cataract surgery. Routine exams and glasses are on you, which is why vision riders and combined dental-vision-hearing plans exist. They're inexpensive and simple to add.
Are these plans worth it if my Advantage plan has some dental?
Sometimes. Advantage dental benefits vary from excellent to a token cleaning. If yours is thin and you expect major work, a stand-alone plan can still make sense. I'll do the math against your plan's actual benefit.
Is there a waiting period for dental coverage?
Preventive care usually starts day one; major services often have 6 to 12 month waiting periods, though some carriers waive them with proof of prior coverage. This is exactly the fine print I read for you.
When exactly do I need to sign up for Medicare?
Your Initial Enrollment Period runs three months before your 65th birthday month, your birthday month, and three months after. Enrolling early in the window means coverage starts on time. If you're within a year of 65, now is the right time to map it out.
I'm still working at 65. Do I have to take Medicare?
If your employer coverage is creditable and the company has 20 or more employees, you can usually delay Part B without penalty. Get this wrong and the penalties are permanent, so this is the single most valuable question to review with me before your birthday.
What are the penalties if I enroll late?
Part B adds 10% to your premium for every 12 months you were late, for life. Part D adds about 1% per month late, also for life. Both are entirely avoidable with correct timing, which is the core of what I do for turning-65 clients.
Advantage or Supplement: how do I choose at 65?
It comes down to your doctors, travel, budget, and risk comfort. At 65 you also hold your once-per-lifetime Medigap open enrollment right, which makes this decision more consequential than most people realize. We'll walk both paths side by side before you commit.
What does your help cost?
Nothing, ever. I'm paid by the carrier you choose, and your premium is identical whether you enroll through me or directly. The difference is you get a local expert who verifies your doctors and drugs and reviews your plan every year.

Ready for Medicare peace of mind?

Find your plan online, or talk it through with me first. Whichever feels right.

Find My Medicare Plan Book a Free Consultation

Prefer to talk? Call or text (561) 287-3456