Medicare Advantage
Medicare Advantage plans are new health care options that are part of the Medicare program. Coverage may include Medicare Part D prescription drug coverage as well as hospital, doctor, skilled nursing, and other medical services.
With over 28 years of experience in Financial Services, Joe Tramazzo has provided product guidance to some of the largest financial advisory and broker-dealer firms in the country. Recognizing a significant gap in Medicare planning within the financial planning process, Joe dedicated himself to offering specialized guidance for those approaching Medicare eligibility. This focus led to the formation of a team as the demand for his expertise grew.
Sherry Tramazzo, with a financial background herself, naturally joined the team, contributing to its growth and success. Together, Joe and Sherry Tramazzo have developed an entirely referral-based practice, helping hundreds of individuals navigate the complex Medicare enrollment process with ease and confidence.
Based in Delray Beach, Florida, Tramazzo Insurance Group works with individuals and families throughout Boca Raton, Boynton Beach, West Palm Beach, and surrounding Palm Beach County communities, providing personalized Medicare guidance tailored to each client’s needs.
Joe and Sherry met and wed in New Jersey and have happily resided in South Florida for over 20 years. They have two sons in college at The University of Central Florida. The family enjoys quality time with their two loving Labrador Retrievers and are avid supporters of the Miami Dolphins.
Joe and Sherry provided great insight and assisted with every step of the enrollment process. Highly recommend.
Joe and Sherry are very knowledgeable and will quell any uncertainties you may have on the many insurance options once you become eligible for Medicare. They provide specifically tailored models to your present situation and are happy to discuss the many options over a phone call. Joe and Sherry are always available for your needs and I highly recommend you give them a call!
Sherry and Joe Tramazzo have been a God send. Just as I was thinking about retiring but wasn’t really sure if I was going to, they walked my husband and I through all the information that would be necessary for signing up for Medicare B and other insurance if and when I retired. Anyone that has retired understands it can be a nightmare trying to navigate through Medicare. Unfortunately my husband was hospitalized and I had to leave the decision to retire off for a short period of time. Never one time was I high pressured to make a decision by Joe and Sherry. At one point my husband seemed to be doing better. I knew he would need helped when leaving hospital so I sat in hospital room and initiated retirement. I called Joe and Sherry and they were walking me thru the steps needed for Medicare and other insurance for both my husband and me. Unfortunately two days later my husband passed away. Obviously I was devastated. I truly want to thank Joe and Sherry from the bottom of my heart for being so caring and understanding. Even though I had to apply for everything myself, the information provided by them and walking me through the steps were beyond appreciated. Finding all the plans, the prices, each step necessary for my doctors and my medications was all handled with precision. Retirement; what should have been a happy time for my husband and me, turned into a devastating turn of events. Joe and Sherry showed extreme kindness, no pressure whatsoever, while at the same time walking me through the process of Medicare and plans, as not to end up with late penalties and fees from Medicare. My head was going in a lot of directions but this matter of Medicare needed to be handled promptly. They were so kind and caring but they kept me grounded and I was able to handle this in timely manner. If you find yourself thinking about retiring or have retired and have all the questions I had about Medicare, give Joe and Sherry a call. Set up your appointment, you will not regret it and it may keep you from late penalties and fees too. They truly are professional, kind, caring people. I’m so glad they were there for me in this difficult time. Joe and Sherry are definitely my Medicare agents for life.
Joe and Sherry take the pain out of trying to figure out all this Medicare & Medical mess. You give them your info, they work their magic, and just like that...you're good to go with coverage that is tailored for you and your personal needs. They make it easy. It's great to have kind and caring people looking out for your best interests. I have referred them to many friends and associates and who are thankful to also be part of "Team Tramazzo"!
Had a wonderful experience in selecting my plan tailored to my needs. Joe and Sherry are a wealth of information and I highly recommend them when selecting your health plan.
I was very fortunate to be introduced to the Tramazzo Agency. They did a fantastic job of educating me and helping me make the best decision for all my Medicare needs. I can not say enough good things!
I found Joe and Sherry to be very knowledgeable and patient as they helped me navigate a significant number of Medicare coverage decisions. Sherry was also excellent helping me overcome technical complexities during the sign up process.
Very clear analysis of Medicare, simplified my choices, and helped me to apply. A great experience. Thank you Sherry and Joe.
Retiring soon and tackling Medicare on my own would have been impossible! Thankfully Joe and Sherry were there to guide me and helped tremendously. From explaining all the options to providing sound recommendations in my best interest and even helping complete the paperwork. Highly recommend them!
Applying for Medicare and supplementary plans is not as easy as you think. Joe and Sherry helped navigate this process while giving expert advice. I highly recommend Tramazzo Insurance. They make the process easy while giving you the confidence in knowing you are making the right decisions.
Joe and Sherry provide personalized service and clearly define the pros and cons of each alternative to help me make the best insurance decision for me. Highly recommended.
Sherry and Joe were amazing to deal with. Needless to say, the details of Medicare are a mystery to most of us, and Sherry and Joe made the whole process easy and seamless, including filling out all the necessary forms. Then, they check that everything has gone through correctly and send you follow up emails with links to make sure you set up payment correctly. I can’t recommend the more highly.
Highly knowledgeable, extremely personable and excellent communicators... I found Joe and Sherry to be well worthy of my trust in working through the Medicare maze! UPDATE: Headed into year 2 of retirement and I still feel very 'looked after' by Team Tramazzo!
If you want to ease into Medicare with no pain or anguish please contact Sherry and Joe.
I was referred to Joe and the Tramazzo Insurance Group from a trusted source to help my wife and I navigate the maze of options associated to medicare. They laid out, in easy-to-understand views, the various options, how they worked, and what the pros and cons were. We were able to choose the option that best fit us and our situation. In addition, they assisted and guided us in the mechanics to move from our current healthcare insurance to our new choice. I strongly recommend Joe and his team for anyone trying to choose new or wanting to optimize their current medicare insurance situation!
Joe and Sherry, simplified would appear to be a complicated process and made it enjoyable
Joe and Sherry were extremely helpful in navigating the Medicare maze! Their professionalism and kindness was appreciated during the entire process. I highly recommend contacting them as you approach Medicare eligibility!
⭐ Five Stars for Joe & Sherry – Medicare Made Easy! ⭐ Navigating Medicare can feel like learning a new language but thanks to Joe and Sherry, the process became refreshingly clear and manageable. From our first conversation, they demonstrated true professionalism, deep knowledge, and most importantly, genuine care. They took time to understand my unique needs and explained every step with patience and clarity. No pressure, no jargon just honest guidance and thoughtful recommendations that left me feeling informed and empowered. What stood out most was how seamless they made everything. From enrollment to coverage options, they handled the details with confidence and kindness, making sure I felt comfortable every step of the way. Their support turned what could’ve been a stressful experience into something surprisingly smooth and even uplifting. If you're looking for trusted experts who truly have your back, Joe and Sherry are exceptional. I can’t recommend them highly enough.
I had questions on an annuity which I held for my grandchildren to receive on my death.Joe and Sherry Trammazo provided a very detailed synopsis of my options including rolling it over to another investment, awarding the grandchildren now, how the taxes could be effected and how my money would be protected. They are very knowledgeable and personable to deal with. Thank you Tamazzo Insurance
Fantastic service, kind professional and caring!
Joe and Sherry were fantastic. Joe had to navigate several complicating factors influencing my particular insurance needs. He put a great deal of time and effort into finding solutions and came up with a perfect plan for me. I can’t recommend them highly enough.
The team was incredible, supportive and helpful. They walked me all the way until the process was completed. Would highly recommend them and I give them a 10.
Best insurance agents I have ever dealt with. Great knowledge and most serviceable.Glad to have them as my agent
We are so fortunate to have received Joe and Sherry's info from our trusted financial advisor. Their knowledge and professionalism is outstanding. They explained all our Medicare options very clearly and made the entire process very pleasant and easy. We are extremely pleased and highly recommend them.
I graduated from a top ten law school and recently retired after 39 years of a varied, complex and challenging practice. Nonetheless, trying to understand all of the salient aspects of Medicare was driving me a bit nuts. Fortunately, Mark Gibson of the Citrus Group at Morgan Stanley connected me and my wife with Joe and Sherry Tramazzo. They were able to quickly confirm or dispel my interpretations and understandings regarding various options and requirements. Joe and Sherry were easy to talk with and quickly and comfortably helped us select the right company and plan for us. I will definitely be recommending them to my friends and former partners.
Shari and Joe are very knowledgeable, professional and very nice, making the whole process a pleasure. Highly recommend them.
The Tramazzo team was amazing to work with. They made it easy for me to make a decision about my Medicare plan. Thank you, Joe and Sherry!!
Joe and Sherry are the best medicare agents. They guide you through the entire process to help you pick the best plans for your individual needs. They are also EXTREMELY patient and willing to answer all of your questions. I honestly can't thank them enough. I highly recommend them and have already referred them to friends and family members!!
Sherry and Joe are so knowledgeable and timely with the Medicare program! As a client and new student of this important Medicare process they understand that no question is the wrong one and totally understand all the ins and outs per personal needs and expectations. I am referring this fabulous Medigap team to all my friends and professional acquaintances. Thank you Sherry & Joe so much!!!! Darren
What a team! Sherry and Joe are amazing! Both are extremely knowledgeable in their work and are very thoughtful, kind and patient. I had a lot of questions and concerns regarding the upcoming changes to the Part D/Prescription drug plan for 2025. They answered all of them in detail and did everything they could to make sure I chose the right plan for me. I honestly can't say enough good things about this team and I will be referring them to my family and friends! If you're looking for help contact the Tramazzo Insurance Group. Hands down they are the best out there! P.S. They also helped me with Medicare earlier this year and made a very complex issue much easier! Contact them, you won't be sorry!
Accurate information, excellent service, and quick responses to questions from the Tramazzo team... I'd give a 10/10 if there were more stars available.
We recognize that your needs and situation are unique. We spend the time to get to know you to make sure that you get coverage and support that fits your lifestyle.
Medicare Advantage plans are new health care options that are part of the Medicare program. Coverage may include Medicare Part D prescription drug coverage as well as hospital, doctor, skilled nursing, and other medical services.
A Medicare Supplement (Medigap) insurance, sold by private companies, can help pay some of the health care costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles.
Medicare Part D is the federal government's prescription drug program that covers both brand-name and generic prescription drugs at participating pharmacies in your area.
No one plans to get sick or hurt, but most people need medical care at some point. Health insurance covers these costs and protects you from very high expenses.
Proper dental care can be an important component of our well being. Dental coverage of some kind can help you ensure the health of your teeth and gums.
If you are diagnosed with a covered illness like Cancer, Heart Attack, Stroke or Alzheimer’s disease, Critical Illness insurance typically pays a lump sum. Additionaly, some policies may pay a monthly cash benefit.
Medicare is an important part of the financial planning process. Your trusted financial advisor has likely directed you to us to help you navigate Medicare under their watchful eye. The Medicare Execution Process™ was designed with client and financial advisor in mind to educate you on how Medicare works, on your options, and what to do when. Most clients of the financial advisors we work with have unique needs centered around having higher income, and with trying to understand when to maximize/minimize income for the purposes of managing Medicare premiums.
This process is designed to not only educate you, but to help you execute on the best options for you, and report those results back to your financial advisor.
The 3 most common times we meet clients for the first time are:
Medicare Planning is the most overlooked part of the financial planning process. We get it. The Medicare FA Process was created with financial advisors in mind. This is the ONE part of the financial plan when clients are looking AWAY from their advisor for advice.
We work with financial advisors across the USA to engage clients about Medicare at the exact time to get clients looking back TOWARDS you. We operate this process in a way that reflects positively on you; their trusted financial advisor who they already trust with so much.
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FINANCIAL ADVISORS