An independent Medicare agency serving seniors across 33 states. We compare plans across carriers, explain the differences plainly, and stay with you long after enrollment.
Nicholas is extremely knowledgeable, patient, and thorough. He walked me through my different options and gave me time to think things over.
Nichole A. · FloridaDirect to Consumer Insurance Services, LLC was founded in 2018 by Nicholas D'Angelo, a licensed independent Medicare insurance agent based in Clearwater, Florida. Nicholas has been licensed since 2005 — over twenty years of guiding Medicare-eligible Americans through their coverage options long before the agency itself existed.
That experience shapes how we work. As independent agents, we're not tied to any single insurance company. We're appointed with multiple Medicare carriers and paid the same regardless of which plan a client chooses. We compare plans across the carriers we represent and recommend what fits your situation — not what any one company wants us to sell.
From a one-agent practice to a multi-state operation, the principle hasn't changed: real licensed agents, no call-center scripts, no proprietary plan. Every client gets a real conversation with someone who actually understands Medicare — and stays available for annual reviews long after enrollment.
Three core Medicare products plus ancillary coverage. We work across the major carriers, in 33 states, with no cost to you. Carrier availability varies by county and plan year.
Medigap plans that work alongside Original Medicare to cover deductibles, copays, and coinsurance. Predictable, portable, and accepted by any provider that takes Medicare.
Learn more →All-in-one Part C plans from private carriers combining hospital, medical, and usually prescription coverage. Many include dental, vision, hearing, and OTC benefits.
Learn more →Standalone Part D coverage matched to your specific medication list. We run your drugs through plan formularies before recommending anything.
Learn more →Standalone dental and vision plans for routine care, exams, and major procedures — for clients whose Medicare plan doesn't include them.
Ask about coverage →Final expense and term life policies sized to your actual needs. We don't sell life insurance to people who don't need it.
Ask about coverage →Existing clients get a yearly review during AEP. Plans change every year — your coverage should be reviewed every year.
Schedule a review →A no-pressure call to understand your doctors, medications, budget, and what matters most to you about coverage.
We run your specific information against the plans available in your county and present what actually fits, in plain language.
You choose what's right. We handle the enrollment and stay available year-round for questions and annual reviews.
"Nicholas D'Angelo is a very thorough, knowledgeable and professional health insurance broker. Besides using his services for my wife and myself, I have referred him to many of my family members and friends."
"Our agent does a fantastic job in helping find the best plan available, that has what you want, at a price you can afford. We have dealt with him since 2016."
"My agent delivered on his promise to find me the same insurance (Plan F) but with a different company and he did just that and saved me almost $100 a month."
Call, email, or schedule an appointment. We answer phones during business hours and respond to emails within one business day.