Covers The 20% Gap Medicare Leaves Behind.
Medicare only covers 80%. The other 20% has no limit — and it's on you. We help Americans 65+ find the right Medicare Supplement plan from top-rated carriers, often at lower premiums than they're paying today.
Clients who switched plans with us in the past 12 months.
Medicare Alone Leaves You Exposed. We Cover The Gap.
Original Medicare covers just 80% of your costs — leaving 20% with no cap. Our independent brokerage finds the Medicare Supplement plan that protects your savings and fits your budget.
Covers The 20% Gap
Stop paying out-of-pocket for the 20% Medicare doesn't cover. A Medigap plan caps your exposure and protects your retirement savings.
Any Medical Provider
Keep your own doctors.
No Prior Authorization of Medical Services
No referrals, no clearances, no denials. You need a medical service, you just go and do it.
Guaranteed for Life
This coverage is guaranteed for life and does not need to be renewed. All you have to do is pay your premiums and you keep it for life no matter what the future entails medically. It cannot be taken away from you.
Lower Premiums
We compare top-rated Medicare carriers side-by-side to secure the lowest premium for the exact same federally standardized coverage.
Independent & Unbiased
We don't work for an insurance company — we work for you. Recommendations are based on your needs, not carrier commissions.
Personal 1-on-1 Service
You'll speak directly with our top licensed experts with years of experience — no call centers, no scripts. Real guidance from a Medicare specialist who knows your name.
Licensed Specialist
Fully licensed Medicare brokers representing the nation's most trusted carriers - with the credentials and experience to back it up.
No-Cost Consultation
Your free Medicare review is just a phone call away. No pressure, no obligation — just clear answers.
Call 954-257-9030Independent Medicare specialist serving seniors nationwide.
Built To Protect The Generation That Built America.
We started Kirsh Insurance Group after watching too many seniors receive Medicare guidance that was influenced by a carrier or agency's priorities rather than what was truly best for the client. The Medicare system can be confusing, and the 20% gap can wipe out a lifetime of savings with one hospital stay.
As an independent broker, I sit on your side of the table. I shop every top-rated carrier, explain every plan in plain English, and make sure you get the right Medicare Supplement coverage at the lowest possible premium — for life.
Kirsh Insurance Group was founded on a simple principle: too many seniors were receiving guidance shaped by what benefited a particular carrier or agency, rather than what was truly in their best interest. Jonathan built this firm to restore that balance — delivering objective, client-first advice without hidden incentives or competing loyalties.
Jonathan Kirshblum
Founder & CEO, Kirsh Insurance Group
Complete Medicare Supplement Solutions
From your first enrollment to annual reviews — we handle every detail of your Medicare coverage.
Medicare Supplement Plans
We specialize in Plan G, Plan N, and Plan F — the three most comprehensive Medigap plans that cover the 20% Medicare leaves behind.
- Plan G — Most popular for new enrollees
- Plan N — Lower premium option
- Plan F — For those eligible before 2020
Annual Plan Review
Medicare carriers raise rates every year. We re-shop your coverage annually to ensure you're never overpaying for the same benefits.
- Yearly premium comparison
- Rate-increase alerts
- Seamless plan switches
Carrier Rate Comparison
All Medigap plans are federally standardized — meaning Plan G from one carrier covers the exact same benefits as Plan G from another carrier. Price is the only difference.
- Side-by-side carrier quotes
- A-rated insurers only
- Stable rate-history analysis
Enrollment Assistance
Turning 65? Already on Medicare? We walk you through every application, deadline, and enrollment window — no paperwork left to chance.
- Initial Enrollment Period guidance
- Open Enrollment support
- Application from start to finish
From Confusion To Coverage In 4 Simple Steps
No pressure. No jargon. Just a clear path to better Medicare coverage and lower premiums.
Free Consultation Call
A 15-minute conversation to understand your health needs, budget, and current coverage.
Review Your Coverage
We analyze your current Medicare plan, premiums, and gaps in coverage line by line.
Compare Top Carriers
You'll see clear, side-by-side quotes from the nation's most trusted Medigap insurers.
Enroll & Save
We handle all the paperwork. You start saving — often hundreds per month — right away.
Get Your Free Medicare
Supplement Quote
Speak directly with our top licensed experts with years of experience. Compare top-rated carriers, cover the 20% gap, and find the right Medigap plan for your needs and budget.
Why Choose Us
- Licensed Independent Broker
- Top-Rated Carriers Compared
- Zero Cost Consultation
Coverage That Helps Cover Medicare's 20% Gap
Independent advice from our experienced team of licensed Medicare specialists. We compare top-rated carriers to find the right plan at the best available rate — with no pressure and no obligation.
Any Medical Provider
Keep your own doctors.
No Prior Authorization of Medical Services
No referrals, no clearances, no denials. You need a medical service, you just go and do it.
Guaranteed for Life
This coverage is guaranteed for life and does not need to be renewed. All you have to do is pay your premiums and you keep it for life no matter what the future entails medically. It cannot be taken away from you.
100% Independent
We're not tied to any single insurance carrier. Our loyalty is to you — we compare top-rated providers to find the right plan at the best available rate.
Top-Rated Carriers
We work exclusively with financially strong, highly rated Medicare Supplement carriers — so you can have confidence in the coverage that protects you.
Licensed Medicare Experts
Our experienced team of licensed Medicare specialists guides you through every option, explains the differences clearly, and helps you make an informed decision.
Ready to compare your options?
Speak with our licensed Medicare experts — no pressure, no obligation.