Doctor-First Comparison
He checks your doctors against every plan before recommending one.
Medicare | Life Insurance | Annuities
Medicare Advisor in Pembroke Pines, FL
Michael Cuevas is an independent Medicare broker in Pembroke Pines, FL. He compares plans from multiple carriers, confirms your doctors are in network before recommending anything, and stays available after you enroll. Whether you are turning 65, reviewing a current plan, or planning ahead with life insurance, annuities or long-term care, every recommendation is based on your situation.
Independent broker
Pembroke Pines & Broward County
Licensed in 6 states
How Can Michael Help?
Whether you are turning 65, reviewing a Medicare plan, or planning ahead with life insurance or annuities, Michael compares options across carriers and checks your doctors before recommending anything.
Medicare
Find the plan that keeps your doctors.
Michael checks your specific doctors and prescriptions against every available plan before recommending one. He handles Medicare Advantage, Medigap Supplements, and Part D.
Explore Medicare →Life Insurance
Protection matched to what you are protecting.
Term, whole, and universal options compared side by side. Michael matches the right structure to your budget and your goals.
Explore Life Insurance →Individual Health
ACA Marketplace and off-exchange options.
Michael works out your subsidy eligibility before the call and compares the plans available in Broward County for your household.
Explore Individual Health →Independent Guidance. Local Service. No Pressure.
Michael works for you, not for a carrier. Every recommendation is based on your situation.
Independent Broker
Not captive to any carrier. He compares all of them.
36 Years Licensed
ChFC and CLU designations. He has seen most situations before.
Available After Enrollment
Questions about your bill, your coverage, or your renewal. Michael picks up.
Annuities
Retirement income that lasts as long as you do.
Fixed and indexed annuities provide guaranteed income you cannot outlive. Michael compares options from multiple carriers side by side so you see the real numbers, not a sales pitch.
Explore Annuities →What Clients Say
Michael serves individuals and families throughout Pembroke Pines and Broward County.
Read Client Reviews → Reviews are individual experiences and results vary by person, carrier and county. Read more on this site.
About Michael Cuevas
36 Years. Independent. Pembroke Pines Local.
Michael Cuevas has held his license for 36 years and carries the ChFC and CLU designations. He is not affiliated with any single carrier, so his job is to find the plan that fits your situation.
He is based in Pembroke Pines and meets clients throughout Broward County by appointment.
About Michael →How It Works
Share Your Situation
Tell Michael your doctors, prescriptions, and what matters most to you. He starts there.
See Your Real Options
Michael pulls the plans available in your ZIP code and checks your doctors against each one before showing you anything.
Enroll With Confidence
When you pick a plan, Michael handles the enrollment and stays available for questions after.
Serving Pembroke Pines and Broward County
Michael is based in Pembroke Pines and serves residents throughout Broward County, including Hollywood, Fort Lauderdale, Miramar, Coral Springs, Davie, Plantation, Sunrise, Weston, and Deerfield Beach. He is also licensed in New York, New Jersey, Colorado, California and Massachusetts.
Questions
Frequently Asked Questions
Does it cost anything to work with Michael?
In most cases, no. Insurance brokers are generally compensated by the insurance company when coverage is placed, which means you receive personalized guidance and ongoing support without paying an additional broker fee.
Are you tied to one insurance company?
No. First Community Insurance & Financial Services is an independent agency. Michael works with multiple insurance companies, which allows him to compare available options and recommend coverage based on your specific needs rather than a carrier quota.
What is the Florida Medigap birthday rule?
Florida law gives Medicare Supplement policyholders a 63-day window starting on their birthday each year to switch to a plan with equal or lesser benefits without medical underwriting. This means you can shop for a better rate annually without the risk of being declined. Michael tracks this window for his clients and notifies them when it opens.
Can you help me after I enroll?
Yes. Michael stays available after enrollment for questions about your coverage, billing, claims and renewals. You have a real person you can reach, not a call center.
Get Medicare Help From a Local, Independent Broker.
Medicare. Life Insurance. Annuities. Individual Health.
Michael checks your doctors against every plan before recommending one. No obligation. No pressure.
Prefer to talk? Call 561-234-8810.
Rather just talk it through? Call Michael Cuevas at 561-234-8810.