ABOUT US
About PlainPlan Benefits
PlainPlan Benefits is an independent Medicare insurance agency in Lauderdale Lakes, Florida, founded by licensed agent Luckny Dubreus. We started it because we believe everyone in the United States should be able to find Medicare coverage they can afford, and understand exactly what they’re buying before they sign.
Doctors & drugs checked
$0 cost to you
Licensed agents
in Florida, California & Texas
20+ companies
compared side by side
$0 to use us
same premium as going direct
English & Kreyòl
home visits in Broward
Why we started PlainPlan Benefits
Turning 65 in South Florida means a mailbox full of Medicare flyers, a phone that rings all through the fall, and TV ads promising extra benefits. What it rarely means is someone sitting down with you and explaining, in words you use every day, what each choice will cost you and which doctors you’ll be able to see.
Over 9 years in insurance, Luckny watched the same story repeat. A retiree picks a plan because of a commercial or a call they didn’t ask for. In January they find out their cardiologist isn’t in the network, or that a prescription costs three times what they expected. Families who don’t speak English as a first language have it harder still, because the letters, the phone menus and the enrollment forms all assume you do.
PlainPlan Benefits is the answer to that problem. The name is the promise: a plain explanation of your plan, from people who compare the whole market and show you the trade-offs before you choose.
Meet Luckny Dubreus, founder
Luckny Dubreus is a Haitian insurance agent who has spent 9 years helping South Florida families with their coverage. Much of that work has been in the Haitian community he’s part of, where Medicare conversations often happen in Kreyòl with a parent and in English with their grown children, on the same call.
He’s licensed to sell health insurance in Florida, California and Texas, and his work covers Medicare Supplement (Medigap), Medicare Advantage, Part D prescription drug plans and Dual Special Needs Plans for people with both Medicare and Medicaid. He also screens every client for Extra Help and the Medicare Savings Programs, because the cheapest plan is sometimes the one the state helps pay for.
Luckny is building PlainPlan Benefits into an agency with more licensed agents, so that more families get the same kind of patient, side-by-side conversation.
Florida License #{{FL LICENSE #}} · National Producer Number (NPN) 18530652. You can check any Florida agent’s license on the Florida Department of Financial Services website, and any state’s license through the NIPR lookup using the NPN.
What we promise every client
We explain Supplement and Advantage options side by side before you choose.
We check your doctors, prescriptions and pharmacy first.
We never sell or share your phone number.
We review your plan with you every fall, before December 7.
We help with claims and billing questions after you enroll.
We tell you exactly how we’re paid.
What "plain" means in practice
Both paths, every time
We show you Medicare Supplement with Part D and Medicare Advantage together, with a full-year cost for each. We're paid by both kinds of plan, so we have no reason to push one.
Your language, your pace
We explain Medicare in English or Haitian Creole, and your family is welcome on the call. Nobody has to decide on the first conversation.
Still here after you enroll
We read the Annual Notice of Change with you each September, help with billing problems, and look at your options again when you move or your situation changes.
How we're different from a call center
Most people reach a Medicare agent through a TV ad or an online form that sells their number to several companies. Here’s how working with us compares.
Plan type
Typical call center
PlainPlan Benefits
Who you talk to
Whoever is next in the queue
The same licensed agent every year
Your phone number
Often sold to several agencies
Never sold or shared
Plans shown
Mostly Medicare Advantage
Supplement, Advantage and Part D side by side
Language
English, sometimes Spanish
English and Haitian Creole
Meeting options
Phone only
Phone, video, or at home in Broward
After you enroll
A general customer service line
A yearly review and help with claims
How we check the information on this site
Medicare numbers change every year, and a lot of what’s online is out of date or simply wrong. For example, some national sites say Florida Medigap plans can be priced by attained age. Florida rules actually require issue-age pricing, which matters a great deal for what you’ll pay at 75.
Every guide on this site is written or reviewed by a licensed agent. We take figures from Medicare.gov, CMS, the Social Security Administration and the Florida Department of Financial Services, and we date the prices we quote. When a rule or premium changes, we update the page. If you spot an error, tell us and we’ll fix it.
Who we help and where
We’re based in Lauderdale Lakes and work mostly with people in Broward County and Palm Beach County: people turning 65, people still working past 65, people switching plans, and families who have both Medicare and Medicaid.
We meet at home by appointment in Broward, and by phone or video in Palm Beach and the rest of Florida. We also help residents of California and Texas by pho
Our team
Every agent who joins PlainPlan Benefits is licensed, completes yearly Medicare training and certification with each insurance company we represent, and follows the same rules: both paths shown, no pressure, no sold numbers. As the team grows, you’ll meet each agent here with their license details.
Agents: join us
Are you a licensed agent in Florida who’d rather build long client relationships than work leads from a call center? Bilingual agents are especially welcome. Get in touch.
Questions about us
Is PlainPlan Benefits part of Medicare or the government?
No. We’re a licensed, independent insurance agency. We aren’t connected with or endorsed by the U.S. government or the federal Medicare program.
Do you work for one insurance company?
No. We’re independent and represent more than 20 insurance companies, so we can compare plans from many of them instead of selling one company’s plans.
How do I know you're really licensed?
Search Luckny Dubreus or NPN 18530652 on the Florida Department of Financial Services license lookup, or on NIPR for other states. Every agent on our team lists their license details here.
Can my children join the appointment?
Yes. Many of our calls include a son or daughter, and we can explain in English and Kreyòl on the same call.
FREE MEDICARE REVIEW
Talk to a licensed agent. No cost, no pressure.
Tell us how to reach you. A licensed agent from our team calls you back, usually the same business day. We never sell or share your number.
- Licensed in Florida · NPN 18530652
- Plans from more than 20 insurance companies
- We review your plan with you every fall
- English and Haitian Creole
Prefer to call?
- (770) 378-6070
Prefer to call?
Request a call back
- Your details go only to our licensed agents.