Medicare guidance built around the doctors and medications you already trust.
Bay Harbor Benefits is an independent Medicare insurance agency serving all of Miami-Dade County. Every plan review starts with your doctors and your medications, checked as of today — before you decide on anything.
How Bay Harbor Benefits can help
An independent, no-pressure look at your options — one conversation at a time.
Medicare Advantage
A free, no-obligation review of your Medicare Advantage options, starting with the doctors you see and the medications you take.
See how a review worksLife Insurance
Straightforward life insurance guidance, including options built around final expenses and protecting the people who depend on you.
Learn moreACA & Marketplace Plans
Health insurance marketplace coverage for people not yet on Medicare. Not offered today — call to be notified when it launches.
Read moreHospital Indemnity
Supplemental coverage that can help with costs from a hospital stay. Not offered today.
Read moreHow it works
Three simple steps — no pressure, and nothing to sign up for.
Call or send your info
Reach out by phone or fill in the quick form — whatever is easiest for you.
We review your medications and doctors together
We go through the medications you take and the doctors you see, side by side.
See how the options line up
We compare how the options line up so you can decide what fits — no obligation.
Six carriers. One honest comparison.
Michael doesn't work for an insurance company — he works with six of them. That's what independent means: your doctors and medications get compared across the plans available in Miami-Dade, and the recommendation follows what fits you, not a sales quota.
Start your free comparison
About Bay Harbor Benefits
Bay Harbor Benefits is an independent Medicare insurance agency based in Bay Harbor Islands, serving all of Miami-Dade County. It's led by Michael von Heesen, a licensed insurance agent with more than 10 years of experience helping people make sense of prescription costs and healthcare decisions. The approach starts the same way every time: your doctors and your medications, checked first.
Meet MichaelPrefer to talk? Call directly.
Speak with a licensed insurance agent — no phone tree, no pressure.