Close 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 Close 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.
Closes 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.
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 Jonathan — no call centers, no scripts. Real guidance from a Medicare specialist who knows your name.
Licensed Specialist
Fully licensed Medicare broker 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 954-257-9030
Independent Medicare specialist serving seniors nationwide.
Built To Protect The Generation That Built America.
I started Kirsh Insurance Group after watching too many seniors get pushed into the wrong Medicare plans by agents who only represented one carrier. The Medicare system is confusing on purpose — 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.
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 Carrier A covers the exact same benefits as Plan G from Carrier B. 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 Jonathan Kirshblum. Compare top-rated carriers, close 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