At Apex Benefits & Co LLC, we are an independent licensed insurance brokerage dedicated to helping individuals make informed Medicare and retirement coverage decisions. We are fully licensed to serve clients throughout New York State and in many states nationwide.
Our business is built on three core principles:
Our mission is simple: to help you find the Medicare coverage that best fits your healthcare needs, lifestyle, and budget.
Why Work with an Independent Licensed Insurance Broker?
Choosing a Medicare plan is an important decision. Working with an independent licensed insurance broker gives you access to knowledgeable guidance and a wider range of options.
Truly Independent
We are not employed by any insurance company, nor are we required to recommend one carrier over another. Our recommendations are based on your individual needs—not on a single company’s products.
Access to Multiple Medicare Carriers
We are appointed with many of the nation’s top insurance carriers. This allows us to review available plans in your area and help you choose the coverage that best meets your medical and financial needs.
Independent vs. Captive Agents
Unlike captive agents who represent only one insurance company and can only offer that company’s products, we can review plans from multiple insurance carriers. Our goal is to help you make an informed decision based on available options.
Our Services Are Always Free
Our consultation, plan reviews, enrollment assistance, and annual Medicare reviews are provided at no cost to you. Insurance carriers compensate licensed insurance brokers directly, so there are no fees, hidden costs, or obligations when you work with Apex Benefits & Co LLC.
Who We Help
We proudly assist Medicare beneficiaries, individuals approaching retirement, and their families.
Individuals Turning 65
We explain Medicare in simple language, help you understand your enrollment deadlines, and guide you toward the coverage that best fits your needs.
Transitioning From Employer Coverage
If you’re retiring or leaving employer-sponsored health insurance, we’ll help you understand your Medicare options, including Special Enrollment Periods (SEPs) and COBRA considerations.
Current Medicare Beneficiaries
Already enrolled? We provide complimentary annual Medicare plan reviews during the Annual Enrollment Period (AEP) to ensure your coverage continues to meet your healthcare needs and budget as plans and coverage change.
Family Caregivers
We work with adult children and caregivers who are helping parents or loved ones navigate Medicare, making the process easier and less stressful.
Medicare & Retirement Solutions We Offer
We help clients review, select, and enroll in a variety of Medicare and financial protection products, including:
Why Clients Choose Apex Benefits & Co LLC
We believe Medicare should never be confusing. Our goal is to educate you, answer your questions, and help you make confident decisions every step of the way.
Areas We Serve
Although we serve clients throughout New York State and in many states nationwide, we proudly specialize in serving the New York metropolitan area, including:
Whether you prefer meeting in person, speaking by phone, or connecting virtually, Apex Benefits & Co LLC is here to help you review your Medicare options with confidence.
By providing the information above, I grant permission for a licensed insurance agent, Rukon H., to call or email me regarding my Medicare insurance plan options, including Medicare Supplement, Medicare Advantage, and Prescription Drug Plans.
If you’re like most people, you’ll enroll in Medicare around the time you turn 65. Your Initial Enrollment Period begins three months before your 65th birthday, includes the month you turn 65 and ends three months after that birthday. Keep in mind that if you don’t get Medicare during this Initial Enrollment Period, you may have to pay Medicare Part B or Part D late enrollment penalties. Plus, you could be missing out on coverage that maximizes your health and budget. That’s why it’s generally a good idea to enroll as soon you can. How you enroll generally depends on if you’re getting benefits from Social Security, the Railroad Retirement Board or the Office of Personnel Management.
We do not offer every plan available in your area. Currently, we represent over 12 organizations that offer over 32 plan products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
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WE PROVIDE ASSISTANCE WITH
Medicare Advantage, Medicare, Medicaid Plans
We do not offer every plan available in your area. Currently we represent [insert number of organizations] organizations which offer [insert number of plans] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
Copyright © 2026 Apex Benefits Plan All rights reserved.
