Alexander Efroymson, Licensed Insurance Agent

11/25/2025

Driving Retirement: A Life Transition That Deserves Compassion and Planning

For many older adults, driving is more than transportation. It is independence, identity, and connection. But when safety becomes a concern, giving up the keys can feel overwhelming. My latest article explores this important topic, offering:
• Why driving retirement matters for emotional and physical health
• Practical strategies for planning ahead
• Florida resources that keep independence alive
• Tips for drivers sharing the road with seniors

This is not just about stopping driving. It is about redefining independence and staying connected.

Read the full article here: https://www.linkedin.com/pulse/when-keys-longer-yours-alexander-efroymson-kcmye

What strategies have you seen work best for helping older adults transition away from driving while maintaining dignity and mobility? Share your thoughts below.

Navigating Driving Retirement with Confidence and Care For many older adults, driving is more than just transportation. It symbolizes freedom, autonomy, and connection with family and community.

11/20/2025

What Is Hospital Indemnity Insurance?

If you go to the hospital, your health plan might not pay for everything. That’s where Hospital Indemnity comes in. It gives you cash when you’re admitted to the hospital. You can use that money for:
✔ Your deductible or copay
✔ Gas or parking
✔ Groceries and bills while you recover

It’s extra protection for life’s unexpected moments.

Want to see if this coverage is right for you? Call me at 239-309-9267 and let’s talk.

11/07/2025

Why Consulting an Agent During AEP Matters
Annual Enrollment Period is more than just picking a plan; it’s about making sure your coverage fits your life today and tomorrow. Medicare options can be complex, and what worked last year might not be the best fit now. Agents help you compare plans, understand benefits, and avoid costly mistakes like missing prescription coverage or network changes. A quick conversation can save you money, improve your benefits, and give you peace of mind. Call me today at 239-309-9267 to review your options and make sure you’re getting the coverage you deserve. Have you reviewed your plan yet?

11/06/2025

Why doesn’t CMS ever play hide and seek?
Because every time they count, the rules change! 🤣

10/31/2025

“The Medicare Mystery”

Mrs. Thompson walked into her doctor’s office clutching a giant binder labeled Medicare Rules: Volume 1–Infinity. She sighed and said,
“Doc, I think I’ve read every page, but I still don’t know if my new yoga class is covered.”

The doctor chuckled, “If it’s chair yoga, maybe. If it’s goat yoga, definitely not.”

Just then, a goat wandered in wearing a tiny Medicare card around its neck. The receptionist screamed, “It’s here for prior authorization!”

The goat bleated loudly, and everyone froze. Mrs. Thompson whispered, “Well, at least someone’s getting approved today.”

10/28/2025

Confused by Medicare Advantage? You’re not alone. Let’s make it simple.
“The book said my doctor was covered but the office said no.”
“I didn’t know I needed prior authorization until I was denied.”
“I can’t figure out how to use my dental and vision card.”

If this sounds familiar, you’re not the only one. Every year, thousands of people get stuck with plans that look good on paper but don’t work in real life.

That’s where I come in.

I’m Alexander Efroymson, a licensed health and life insurance agent with Reliance Medicare Helpline, and I help people like you:

▫️Check that your doctors and prescriptions are actually covered, not just listed in a directory
▫️Understand your benefits like dental, vision, hearing, OTC, and flex cards so you can actually use them
▫️Avoid surprise denials by explaining how prior authorization works
▫️Compare every plan available in your area, not just one company

Whether you’re new to Medicare or thinking about switching plans, I’ll walk you through it step by step.

Appointments are no cost and there’s no obligation.

To sign up now for your Annual Medicare Review, go to my website at https://www.gulfcoastlocalagent.com and either sign up for a short 30-minute review of your benefits, or a full Medicare meeting to look at your options for next year.

👉This AEP, don’t just pick a plan. Pick a partner.

Get trusted guidance on Medicare plans, long-term care insurance, and retirement coverage from a licensed local agent serving Fort Myers and surrounding areas in person and the rest of Florida virtually. I call myself a Gulf Coast Local Agent because it is who I am.

10/25/2025

I told my doctor I was feeling tired all the time. He looked at me and said, “Well, you’re getting older.” So I said, “That’s funny, because last time I checked, aging wasn’t listed as a disease.” He smiled and said, “It’s not, but it’s the leading cause of everything else.” Then he gave me a list of things to do: eat better, exercise more, sleep eight hours, drink water, avoid stress, and stay positive. I said, “Doc, if I could do all that, I wouldn’t need you—I’d be immortal!” He laughed and said, “That’s the goal.” I said, “No, the goal is for me to live long enough to pay off your bill.”

10/24/2025

Grandpa Joe and the Medicare Maze

Grandpa Joe walked into the Medicare office with a big grin.
“Sir, what brings you in today?” asked the clerk.

Joe replied, “I heard Medicare covers everything, so I’d like to sign up for a new car, a vacation to Hawaii, and maybe a pet giraffe.”

The clerk laughed, “Medicare doesn’t cover those things, sir.”

Joe sighed, “Fine, then just cover my confusion. It’s a pre-existing condition at this point!” 😂

10/21/2025

When Medicare Meets Math Class

I was helping a client understand their Medicare Advantage plan, and they asked:
"So, if my copay is $0 and my premium is $0, how much do I owe?"

I said:
"Zero."

They paused, looked at me seriously, and said:
"Are you sure? Because every time I hear zero, it ends up costing me something."

We both laughed, and then I explained:
"This is the one time in life where zero really means zero. No hidden algebra required."

Takeaway: Medicare can feel like calculus, but with the right guidance, it is just basic math.

10/18/2025

Big news for anyone thinking about Medicare options for 2026!

I’m excited to share that I now represent Reliance Medicare Helpline, a Humana-owned brokerage with a unique advantage: I can help you compare plans from multiple carriers, not just one. That means Humana, Devoted, Optimum, Freedom Health, Aetna, Blue Cross, and UnitedHealthcare are all on the table during the upcoming Annual Enrollment Period.

Our goal is simple: give you the confidence to choose the plan that truly fits your needs and budget. Whether it’s finding extra savings or confirming you’re already in the right spot, I’m here to make the process stress-free and clear.

Here’s something to think about: Would you feel more confident making a Medicare decision if you could see all your options side by side?



If you are interested in reviewing your options for 2026, please go to www.gulfcoastlocalagent.com and book online using my easy-to-use booking tool. I am mostly booked through October, and the rest are going quickly, so if you need help, please do not wait till the last couple of days. Book online today.

10/14/2025

I was helping my neighbor sign up for Medicare, and she said, ‘I’m so excited to finally get my benefits!’ Then she paused and asked, ‘Does Medicare cover yoga classes?’ I told her, ‘Only if you can do downward dog in the doctor’s office!’ She laughed and said, ‘Well, I guess I’ll stick to chair yoga for now. 🤣

10/03/2025

What is one of the best things about being a local agent is doing events. Check out my office today!

Thanks Hearts and Homes for Veterans, Inc. for inviting us to attend your event as a vendor. I was able to make some great connections today!