About Steven Rukhman | Licensed Medicare Insurance Broker, Sherman Oaks CA | SRB Insurance Services

About SRB Insurance Services

Independent, Licensed Insurance Broker Serving Los Angeles County & Beyond

I help Medicare beneficiaries review Medicare Advantage, Medicare Supplement, and Part D prescription drug plans — in plain English, at no cost to you.

Find a Medicare Plan

Why Work With Me

My Mission and Approach

Mission

My mission is simple: give every client the knowledgeable, plain-English guidance they need to choose Medicare coverage with confidence — without any pressure to pick one carrier over another.

Approach

As an independent licensed insurance broker, I take the time to understand your doctors, prescriptions, and budget before reviewing plans across the carriers I represent, so the recommendation fits your life — not a sales quota.

No Cost To You

Licensed Insurance Broker compensation comes from the carrier, never from you — your plan costs the same whether or not you work with a licensed insurance broker.

Knowledgeable Review

I represent 14 organizations offering 87 Medicare products in your area, so you see real options — not one company's pitch.

Local & Licensed

Based in Sherman Oaks, CA, serving clients across Los Angeles County and beyond. Licensed under #0K08450, with AHIP Medicare certification renewed every year.

What To Expect

How We'll Work Together

A straightforward, three-step process from first call to enrollment — and every AEP after.

1. Review Your Options

We'll review your current doctors, prescriptions, and budget, then compare Medicare Advantage, Supplement, and Part D plans available in your area.

2. Enroll With Confidence

Once you've chosen a plan, I handle the enrollment paperwork and make sure everything is submitted correctly and on time.

3. Ongoing Support

After you're enrolled, I stay available year-round for billing questions, coverage changes, and your next Annual Enrollment Period.

Steven Rukhman, independent licensed Medicare insurance broker

Hey, I'm Steven!

Independent Licensed Insurance Broker

License #0K08450 · Sherman Oaks, CA

I am a local and trained, independent licensed insurance agent. I am certified with many top Medicare Advantage, Prescription Drug, and Medicare Supplement insurance plan carriers. I represent most major companies with a Medicare contract and am qualified to answer any questions you may have.

At no cost, I will help you find a health plan that best suits your personal healthcare needs and your budget. By educating you on all the options available, I give you the power to review and the freedom to choose. Give me a call today — I look forward to helping you.

Frequently Asked

Benefits of Using a Licensed Insurance Broker

Licensed Insurance brokers are independent licensed insurance agents who represent multiple insurance carriers. This professional has dedicated their career to understanding the complex web of Medicare insurance options, and therefore has experience dealing with almost any situation imaginable.

Because licensed insurance brokers work independently, rather than for a specific insurance carrier, they can offer you knowledgeable guidance. You can feel confident that this professional is helping you identify your own priorities and needs, and is using those to inform their recommendations.

What happens after I enroll?

After you've enrolled in your chosen plan, a licensed insurance broker continues to offer support. You will have access to a team that can answer your questions and help you learn about your policy. And in the event of a problem, your support team can help you:

  • Solve billing errors
  • File an appeal for coverage
  • Access medications when pharmacy exceptions occur
  • Answer questions about your coverage
  • Alert you when your coverage options change

Since licensed insurance brokers are intimately familiar with each insurance provider's underwriting procedures, they can offer you vital information regarding your application. Often you can save significant amounts of time by applying for a policy through a licensed insurance broker, who already knows which companies are likely to accept you.

How do licensed insurance brokers get paid?

Licensed insurance brokers are paid a commission by the companies they represent, and that commission is prebuilt into the cost of each policy. The rate you pay for your Medicare plan is the same, whether or not you use a licensed insurance broker. When you enroll directly with the insurance carrier, they keep that commission money for themselves, rather than offering a discount.

That means you can access the personalized services of a licensed insurance broker at no extra cost to you — plus all of the continued extra benefits as part of the deal.

How are licensed insurance brokers trained and certified?

Licensed insurance brokers undergo hundreds of rigorous training hours on Medicare before they begin working with clients. Each licensed insurance broker must complete the following steps in order to represent Medicare insurance companies and provide vital assistance to their clients:

  1. Complete pre-licensure education according to state law
  2. Pass their state's licensing exam
  3. Apply for, and obtain, a license through the National Insurance Producer Registry
  4. Complete AHIP Medicare certification
  5. Purchase errors and omissions coverage, as required by law
  6. Apply for work through a brokerage firm, such as a National Marketing Organization or National Marketing Alliance
  7. Complete Annual Carrier Medicare Certifications
  8. Maintain Health Insurance License Continuing Education

At A Glance

Credentials You Can Verify

Licensed Insurance Broker

California license #0K08450

AHIP Medicare Certified

Annual certification completed for the current plan year

14

Carrier partners represented across Medicare Advantage, Medicare Supplement, and Part D

87

Medicare plans available to review in your area

Have Any Questions?

Schedule a free, no-obligation consultation with a knowledgeable licensed insurance agent and get straight answers about your Medicare options.

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