Medicare
Medicare Advantage, Part D, and Medicare Supplement coverage, including a review of annual plan changes.
Medicare
Licensed broker
Independent Medicare & Health Insurance Broker
Health coverage, made clear. Work directly with Joseph F. Gioia to compare coverage for your doctors, prescriptions and budget.
Based in Boynton Beach. Licensed in Florida, New York, New Jersey, Connecticut, North Carolina and Texas.
Find the coverage you need
Whether you are turning 65, leaving a job, reviewing an existing plan, or looking for business coverage, Joseph can help you understand your options.
Medicare
Turning 65 or new to Medicare
Compare Medicare Advantage, Medicare Supplement, and Part D coverage with your doctors, prescriptions, and costs in mind.
Medicare guidance → Annual reviewAlready on a Medicare plan
Review your Annual Notice of Change and check how next year’s benefits, provider network, and prescription costs affect you.
Book a review → Under 65Individual or family coverage
Start a coverage review for your household, doctors, and budget. Upload your current insurance card to save time.
Start a health coverage review → Small businessOwner or one-employee company
Explore coverage for a business owner or a small team. Eligibility and plan choices depend on who needs coverage.
Small business plans → QuoteReady to compare options?
Get a Marketplace quote or request a review of your current coverage. Joseph will help you compare the options.
Request a quote →What I help with
Work directly with Joseph to review the coverage below. Consultations are complimentary.
Under 65
Marketplace and private health plans, plus temporary coverage where appropriate.
Health insurance under 65Group
Coverage options for self-employed individuals, business owners, and eligible small employers.
Small businessDental
Compare standalone dental plans for preventive care and other covered services.
DentalVision
Standalone vision through Direct Vision. EyeMed or VSP, depending on the plan.
VisionLife
Term, permanent, and final expense.
LifeAnnuities
Fixed, fixed indexed, and income annuities for eligible retirement and income needs.
AnnuitiesTravel medical
Medical coverage for travel, alongside your regular health insurance.
TravelLicensed in
Florida
New York
New Jersey
Connecticut
North Carolina
Texas
Available plans depend on your state, county, and Joseph’s carrier appointments. He confirms availability before you apply.
Medicare
Compare Medicare Advantage with Original Medicare, a Medicare Supplement, and Part D. Review provider access, prescription coverage, and total costs.
Path A
Original Medicare + Supplement + Part D
- Original Medicare (Parts A & B)
- A Medigap policy to help with out-of-pocket costs
- A standalone Part D plan for prescriptions
Consider this option if broad access to providers who accept Medicare is a priority.
Path B
Medicare Advantage (Part C)
- An all-in-one alternative to Original Medicare
- Usually includes prescription coverage
- Often uses a defined network and extra benefits
Networks, prior authorization, and extra benefits vary by plan and county.
Either path
What gets compared
- Your doctors and hospitals
- Your prescriptions and pharmacies
- Premiums, copays, and maximum out-of-pocket
- Travel, specialists, and how you prefer to use care
Each comparison reflects your doctors, prescriptions, budget, and coverage priorities.
When Coverage Decisions Usually Happen
Enrollment rules are set by Medicare and the Marketplace - not by this practice. These are the windows most clients ask about.
Around age 65
Initial Enrollment
The first window to enroll in Medicare Parts A and B, and to consider Advantage, Supplement, and Part D options.
Oct 15 - Dec 7
Medicare Annual Enrollment
A yearly period to review or change Medicare Advantage and Part D coverage for the coming year.
Jan 1 - Mar 31
Medicare Advantage OEP
If you are in a Medicare Advantage plan, a limited window to make one change.
Typically Nov - Jan 15
Marketplace Open Enrollment
The main yearly window to enroll in or change an ACA individual or family plan. Dates can vary by state.
A job change, a move, or a loss of coverage can open a Special Enrollment Period. Ask before you assume the window is closed.
Your advisor
Work directly with Joseph F. Gioia
Joseph F. Gioia is an independent insurance broker who has been licensed since 2018. With a background in accounting and taxation from Fordham University, he helps clients compare coverage based on their providers, prescriptions, budget, and healthcare needs.
Consultations and brokerage services are provided at no cost to you. Joseph is compensated by the insurance companies whose plans he offers.
Personal guidance from consultation through enrollment
Compare available plans with an independent broker and get help when questions arise after enrollment.
Independent access
Joseph works with multiple insurance companies and compares available plans against your needs.
Prepared appointments
Call our office with questions about coverage or to arrange a consultation with Joseph.
After you enroll
Contact Joseph for help with prescription coverage, provider networks, or questions about your plan.
What to expect
Understand your options, compare the details, and make an informed coverage decision.
1
You set the priorities
Tell Joseph which doctors you want to keep, the prescriptions you take, your budget, and any travel or seasonal living plans.
2
Review available plans
Joseph reviews available plans for your ZIP code and checks how they fit your providers and prescriptions.
3
Compare the details
Compare premiums, deductibles, provider networks, and benefits. Joseph explains the differences and answers your questions.
4
Get ongoing support
After enrollment, Joseph remains available to help with coverage questions, billing concerns, and changes in your healthcare needs.
Support after enrollment
Your coverage may raise new questions throughout the year. Joseph is available to help.
You may need help understanding a prescription rejection, a referral requirement, an incorrect ID card, or a denied claim.
Contact Joseph for help reviewing the issue. He can work with the insurance company, pharmacy, or provider’s office to clarify your benefits and identify the next steps.
Joseph has been licensed since 2018 and remains your point of contact after enrollment.
Questions Clients Usually Ask First
Find answers to common questions, then discuss your circumstances during a consultation.
Do I pay you to help me?
No. There is no fee to the client for Joseph’s brokerage services. He is compensated by the insurance companies whose plans he offers.
Are you tied to one insurance company?
No. Ascension Insurance Advisors is independent. Joseph works with you - not for any single carrier - and compares options based on your needs and the appointments he holds in your state.
Can you guarantee the lowest premium or the best plan?
No single plan is best for everyone. Joseph compares available options based on provider networks, prescriptions, benefits, premiums, and potential out-of-pocket costs.
How can I contact the office?
Call our office at (561) 875-7528 for help with questions or scheduling a consultation. Our office is available Monday–Saturday, 9am–7pm. After-hours support is provided by Melody, our virtual concierge, so assistance is available 24/7. Online chat is coming soon.
Can you help with a pharmacy or provider issue?
Yes. Contact Joseph for help understanding the issue. He can work with the pharmacy, provider’s office, or insurance company to clarify coverage and next steps.
Is this Medicare or HealthCare.gov?
No. This is a private independent advisory practice. Official Medicare information lives at Medicare.gov. Official Marketplace enrollment lives at HealthCare.gov or your state’s exchange.
Guides and tools
Explore these guides at your own pace. Schedule a consultation when you are ready to review your own coverage.
Medicare
Advantage vs. Medigap
Five questions to help compare your options.
MedicareTurning 65
What to prepare before and after your 65th birthday.
CalendarEnrollment windows
When Medicare and Marketplace decisions usually happen.
LocalBoynton Beach & Palm Beach County
Local guidance and in-person consultations in Palm Beach County.
Under 65Under-65 coverage options
Marketplace, private ERISA plans, and short-term.
ACAMarketplace quote
HealthSherpa instant quote on the ACA page.
ToolCan I enroll now?
Check common enrollment periods without providing contact details.
ToolsCalculators
Subsidy, SEP, employer test, COBRA, penalties.
LibraryAll guides & official links
Including Medicare.gov and HealthCare.gov.
Office hours. After-hours support. Always a way to reach us.
Questions don’t keep office hours.
Call our office Monday–Saturday, 9am–7pm. After hours, Melody, our virtual concierge, provides support so assistance is available 24/7.
Call our office Chat with Melody Coming soon
24/7 support
Melody
Our virtual concierge
Melody provides after-hours support when you call our office. Personal coverage consultations are with Joseph. Online chat is coming soon.
Ready to Talk Through Your Options?
A focused conversation can help make Medicare or ACA Marketplace coverage easier to understand. There is no cost to you for Joseph’s brokerage services.