How Joseph is paid

There is no fee for Joseph’s brokerage services. He receives a commission from the insurance company when you enroll in a plan he offers.

By Joseph F. Gioia, independent licensed insurance broker

Carriers pay a commission if you enroll through Joseph in a plan he is appointed to offer.
The premium you pay the carrier is the same whether you enroll through him, another agent, or (when allowed) the carrier directly.
He is independent - not employed by one company.
He does not offer every plan available in your area. Depending on your ZIP code, he represents 4 to 11 organizations, offering 26 to 81 products.
If the plans Joseph offers do not meet your needs, he can direct you to Medicare.gov, HealthCare.gov, or your State Health Insurance Assistance Program (SHIP) for additional options.