NEIL PRIMACK INC
JUPITER, FLORIDA

About Neil Primack In 1986, Neil graduated the State University of New York at Stony Brook with two Bachelor’s degrees; one in physical therapy and the other in the social sciences. When Neil relocated to Jupiter Florida in 2004 he started to employ his experience as a Medicare Physical Therapy provider to those who were looking for expert advice on Medicare Supplemental and Medicare Advantage plans. As a licensed agent in good standing since 2004, Neil has helped numerous people of all ages throughout the state of Florida find appropriate Medigap and stand-alone drug plans. As an independent Medicare Supplement agent, Neil can assist you with his knowledge base, fairness and objectivity. As an independent Florida Medigap broker, Neil is appointed with numerous insurance carriers such as: Humana, Aetna, Cigna, United American, AARP United, Silverscript, UnitedHealthcare, Coventry, Mutual of Omaha, Genworth and many others. He also assists clients who are looking for help with Part D (Stand-alone drug plans), Long Term Care Protection, dental coverage and vision plans. As a Florida Medicare insurance advisor, Neil brings over 30 years experience in the health care and health insurance industry. Having spent many years as a provider for Medicare, Blue Cross, United and many other companies, Neil offers unique insights into the history, stability and reliability of insurance companies as well as how satisfied many of his clients are with their current Medicare plan, whether it’s a traditional Medigap plan or Medicare Advantage plan. “Agent was extremely patient, spent a lot of time and answered all my questions. Put clients’ interests first, and their knowledge and professionalism were very much appreciated. Thank you for your help.” "Was extremely helpful with the application process and suggesting appropriate plans. I would recommend this company to anyone looking for Medicare supplemental insurance." "I have worked on several matters over the past couple of years and they are excellent. Knows business very well and gives good information about the various options for health insurance, both before age 65 and for Medicare plans. I would highly recommend them to anyone shopping for the best health care plan at the lowest cost." "Was tremendously helpful in guiding us through the choices we had for Medicare Supplement policies. Many people make decisions based on what a friend may have done them but they walked us through the different options and helped us choose the best policy for my wife and myself; based on our personal history, which saved us money." "Helped me with Obamacare and Medicare -both times were so easy to do. Very knowledgeable and efficient - Really listens to your needs and makes sure they give you options; Also helped my sister-in-law. They come highly recommended, 5+ stars! " "Was an excellent agent who helped me resolve some thorny medication issues and was able to sign me up in a very timely fashion for Medicare and a supplemental policy. Very professional and knowledgeable in all phases of the process and clearly outlined my options so that I was able to choose the best plan for me. I highly recommend their services!" "Was very helpful and suggested, but didn't "push" the insurance products that I ultimately selected for my Medicare Supplements. I appreciated his assistance throughout the entire process, from application to final approval from the Insurance Company. Everything went smoothly and quickly, thanks to his help." "Helped me navigate the Medicare maze. Is very knowledgeable and we quickly found insurance that was just what I was looking for. I would recommend this company to friends needing help." When shopping for insurance policies: you can either work with an independent insurance agent (someone who represents a variety of insurance companies), or you can choose to acquire your insurance directly from a captive insurance agent (someone who represents a single insurance company), essentially buying from the company directly). Independent insurance agents do not work for any one particular insurance company but can instead sell policies from multiple companies. By comparison, agents that work for one company are often called "captive" or "career" agents. They will only sell insurance policies from one insurance company. State Farm, Northwestern Mutual and Bankers Life are three companies that are well known for using captive agents. The only way you can buy insurance policies from those three companies are through their exclusive captive agents. Captive or career agents can only provide you with insurance policies that are sold by the parent company they work for. Independent insurance agents can evaluate your insurance needs and find a policy that meets those needs with much greater specificity. The independent agent does not have to focus only on the policies of one company, but can shop around for you. Independent insurance agents function identically to insurance brokers in that they represent multiple insurance carriers. The primary difference between brokers and independent agents is that insurance brokerage companies are often larger than independent insurance agencies. However, independent agents and brokers approach the business in the same way, which is that they represent the customer. The labels agent and broker are used interchangeably. It’s important to pay more attention to the distinction between captive and independent. You can simply try out an independent insurance agent by yourself; there’s no cost (and if someone does try to charge you to get quotes, just walk away).You can also ask friends and family who they recommend. Or, you can do the digital equivalent of this: Look up consumer reviews on the Better Business Bureau or Trustpilot to see what other people are saying. Insurance prices are regulated by states. Insurance companies determine their rate tables for different risks (age, health, and other specific factors for different types of insurance) and then file those rate tables with state insurance departments. That means that they’re set in stone for everyone - one agent can’t offer you a better price than another agent or a broker for a given insurance policy. In other words, agents cannot arbitrarily change prices or tack on extra commissions. No matter who is selling you insurance from a specific insurer, it will always cost the same to you. Where you can benefit (and where independent insurance agents bring value) is finding the insurance company with the best-fit product and premium for your specific needs and lifestyle.