I am so fortunate to have been referred to Dan Roman. Being widowed and facing an increase in my medicare supplemental premium. I was upset and confused. Dan listened patiently and assured me he would return with options. I selected an HMO Advantage Plan he found that all my doctor's participated in. I can honestly say that, at this point in 2026, my drugs went from $400/month to $94/month with no additional premium. My monthly premiums went from $427 to $0 and I got a very small rebate on my Medicare premium. I have already received a $60 Quarterly credit for OTC medical costs and, due to an additional benefit for dental, I received a fluoride treatment for free and a reduction to my primary dental plan that qualified me to pay $315 for 2 new crowns in April! Yes, I paid $195 deductible for a hospital procedure and a $20 copay for the specialist, but the hospital costs were over $100,000. While I am college educated with advanced degrees and technologically competent, I recognize that it was Dan's experience and knowledge that put this personalized plan together for me. I could not navigate today's Medicare complexities without Dan. It is a maze of details that aren't for the faint of heart. I didn't have to because someone referred me. I hope I can help you by writing this recommendation to use Roman Brokers. read more