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About Dutch
About Dutch
Curtis “Dutch” VanHoesen is a local Independent Insurance Agent serving Florida with more than 20 years of experience specializing in Medicare and retirement-related coverage.
His focus is helping seniors and their families understand their options clearly and make important decisions about their healthcare as they approach Medicare eligibility and beyond.
Dutch’s consultation process is designed to be straightforward and efficient.
In a single meeting, he reviews and compares plans from multiple carriers, helping clients evaluate their eligibility and coverage choices side-by-side. This helps provide transparency about your plan costs and coverages.
Because Independent Insurance Agents are paid a standardized commission directly by the insurance carriers, Dutch is able to remain impartial and focused on what works best for each client’s needs.
Over the years, Dutch has helped countless individuals navigate Medicare, Medicaid, long-term care considerations, Social Security benefits, and other retirement-related decisions. As a local advisor, his goal is to provide clear guidance, practical recommendations, and long-term support for the clients he serves.
About REEF Retirement
About REEF Retirement
If you’re approaching Medicare for the first time, it can feel like information overload. Many of our clients come to us with stacks of mail on their kitchen table, sometimes 50 or more pieces from different insurance companies, all promising something different. Add in the phone calls, TV ads, and door-knocking agents, and it’s no wonder people feel overwhelmed.
Our approach is simple: slow things down and review everything clearly in one place. As an independent broker serving Pinellas County, Dutch compares plans from multiple carriers side-by-side so clients can understand their options without juggling several agents or feeling pressured into a quick decision. The goal is not to sell a plan—it’s to help you choose the one that actually fits your doctors, prescriptions, lifestyle, and budget.
Dutch and his wife, Rebekah, run a small family business built around long-term relationships and honest advice. Many clients return year after year for annual reviews, and every September Dutch personally reaches out to discuss any upcoming changes that may affect their coverage. With access to plans from numerous carriers and over two decades of Medicare experience, clients know they have a knowledgeable local resource they can rely on.
Best of all, there is no cost for this service. Brokers are compensated directly by the insurance carriers through standardized commissions, allowing Dutch to remain impartial and focused on what works best for you.
Whether you prefer an in-home meeting, a quick phone call, or even a conversation over coffee at your favorite local spot, the goal is always the same: make Medicare decisions simpler and help you feel confident about your coverage.
Affiliations
Affiliations
Dutch holds the National Social Security Advisor (NSSA®) Certificate, which provides specialized training in Social Security claiming strategies and how those decisions coordinate with Medicare and retirement planning.
He is also recognized as a Trusted Medicare Supplement Professional through MedicareSupp.org, a national network that connects consumers with experienced advisors specializing in Medicare coverage. Dutch also works with trusted partners such as DentalPlans.com, providing clients access to dental savings programs, and Reef Retirement, a resource focused on retirement planning and education.
Beyond his professional work, Dutch is actively involved in the local community as a member of the Seminole Lake Rotary Club, where he serves as Sergeant-at-Arms. Rotary is built around service, integrity, and community leadership—values Dutch carries into the way he serves his clients every day.
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