Medicare Help You Can Meet Face to Face
A real person — not a call center — serving seniors across Pierce, Kitsap, and Mason counties with honest, no-pressure Medicare guidance.
I'm Charles, an independent Medicare broker based in western Washington. I meet clients at their kitchen table, a local coffee shop, or a food bank — wherever is most comfortable. I don't work from a call list, and I don't disappear after enrollment season ends.
My background is a little different from most brokers. I spent years as a consultant at a Big Six accounting firm before coming to Medicare, and I've logged a decade of hands-on community service at local food banks. When my mother went through a serious illness, I saw firsthand how much the wrong coverage decisions can cost a family. That's what brought me to this work, and it's why I take it personally.
Numbers-trained. Neighbor-focused.
Charles Zubrod
Medicare Broker
Numbers-trained. Neighbor-focused.
I'm Charles, an independent Medicare broker based in western Washington. I meet clients at their kitchen table, a local coffee shop, or a food bank — wherever is most comfortable. I don't work from a call list, and I don't disappear after enrollment season ends.
My career originally started in accounting and finance. After graduating from Seattle University, I passed the CPA exam in 1992. I was recruited to what was then called a “Big Six” public accounting firm, doing SEC auditing. I then went on to positions as a Financial Analyst, Controller and Budget Manager for companies in a range of fields. I eventually carved out a career in the private sector as a quasi-consultant restructuring financial reporting structures and budgets.
Medicare Part A
For hospital stays, skilled nursing care, hospice, and some home healthcare.
For hospital stays, skilled nursing care, hospice, and some home healthcare.
Medicare Part A
What I Can Help You Sort Out
Whether you're turning 65, weighing a plan change during Annual Enrollment Period, or trying to understand whether you qualify for low-income benefits, I help you compare your real options — not just the plans that happen to be advertised most heavily.
Medicare Advantage Plans
All-in-one plans that bundle hospital, medical, and often prescription drug coverage. I compare available plans across your county so you can see exactly what you're getting before you decide.
Part D Prescription Drug Plans
Your medication list drives this decision more than anything else. Submit your prescriptions and I'll run a side-by-side comparison of Part D plans available in your area.
Medicare Supplement (Medigap) Plans
Standardized coverage that works alongside Original Medicare to cover gaps like copays and deductibles. I'll walk you through which lettered plans are available in Washington and what each one actually covers.
Dual Eligible &
Low-Income Benefits
If you have both Medicare and Medicaid, or if your income is limited, you may qualify for programs that significantly reduce your out-of-pocket costs. Many seniors don't know these options exist — I'll help you find out if you qualify.
Why Work With Us?
Why Seniors in Pierce, Kitsap, and Mason Counties Work With Me
I'm an independent broker, which means I'm not tied to any single insurance company. I compare plans across carriers and recommend what fits your situation — not what earns the highest commission.
I meet you in person. Whether you're in Bremerton, Gig Harbor, Shelton, or anywhere in between, I'll come to you.
My 15-minute consultation is free and carries no obligation. You can ask every question you have before any decision is made.
I served my community at local food banks for 10 years. The seniors I help aren't a sales pipeline — they're my neighbors.
I don't operate from a call center or a script. If you've been getting flooded with Medicare robocalls during enrollment season, I'm the alternative.
How a Free Consultation Actually Works
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Step 3
Step 1
We Talk for 15 Minutes
You tell me what you have now, what's working, and what isn't. I ask a few questions about your doctors, your prescriptions, and how you use your coverage. No forms, no sales pitch.
Step 2
I Do the Comparison Work
I pull the plans available in your county and run the numbers. If you've submitted a prescription list, I factor that in so you can see your real projected costs — not just the premium.
Step 3
You Decide — On Your Timeline
I walk you through what I found and answer your questions. You make the call. There's no pressure to enroll on the spot, and I'm available after the meeting if more questions come up.
Serving Seniors Across Western Washington
I'm based in the Puget Sound Corridor and work with seniors across a wide stretch of western Washington — from the greater Tacoma area through the Kitsap and Olympic peninsulas and down the coast.
My primary service counties are Pierce, Kitsap, and Mason. I also serve seniors in Thurston, Clallam, Jefferson, Grays Harbor, Lewis, and King counties.
If you're not sure whether I cover your area, reach out — I'll tell you directly.
I also work with seniors in Kitsap County, including those near Bremerton who are looking for an independent Medicare broker nearby rather than a call-center representative they'll never meet in person.
Ready to Talk With a Real Person?
My 15-minute consultation is free, carries no obligation, and can happen wherever is easiest for you. If you'd rather start by submitting your prescription list, I'll take it from there.
