"Our Mission: help retirees navigate medicare through high quality education"

The Doctor's Choice Story

When Dr. Johnny Luo, a graduate of Brown Medical School, was finishing his clinical training in North Smithfield, Rhode Island, he was asked numerous questions about Medicare Health Plans from his patients.

Frustrated with the lack of clear education about Medicare Health Plans, Dr. Luo started Doctor's Choice as a resource to help individuals make an educated decision regarding Medicare Health Plan coverage.  

Doctor's Choice operates as a "choice model," meaning we're not tied to any particular insurance company.  Our mission is to offer numerous competitive Medicare Health Plan options and the guidance to help you decide which option is most suitable for you.  

We're paid a fee from the insurance companies we work with to help you with the enrollment process and our consultation is always free of charge.  

If you're approaching Medicare Health Plan eligibility, give us a call and see why 90% of our clients give us hugs! 

Our Team

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Johnny Luo, M.D.


Combining knowledge of patient advocacy and business development, Dr. Luo is passionate about reducing barriers to care. Most recently, Dr. Luo aided Amazing Charts Inc, an electronic medical record company focused on small physician practices, in developing strategy to add value to its physician community. Dr. Luo has also worked as a Fellow for the Slater Technology Fund evaluating business strategy for seed stage health and biomedical companies.

Dr. Luo is a licensed Accident and Health Insurance Producer in both Rhode Island and Massachusetts. He has an Undergraduate Degree in Commerce, Organizations, and Entrepreneurship and a Doctor of Medicine degree from Brown University.


Al DeStefano

Director of Education

Al comes to Doctor’s Choice with over 10 years of Medicare Health Plan experience. After guiding his mother through the Medicare Health Plan enrollment process, Al saw a great need to educate individuals face-to-face about Medicare Health Plans.  Building on his experience in broadcasting and as a small business owner, Al knew the importance of relationships. He is passionate about alleviating confusion and is focused on Medicare Health Plan education with his clients. 

Al is a licensed Accident and Health Insurance Producer in Rhode Island and Massachusetts.  Al attended the University of RI. 

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Senior Account Executive

Rachael comes to Doctor's Choice with over 5 years of experience in the health insurance space.  Originally focused on helping small businesses maximize their savings on health insurance, Rachael gained a passion for Medicare Health Plans after a close family member suffered catastrophic financial loss due to not being on the right Medicare Health Plan.  

Rachael is a licensed accident, health, and life producer in Rhode Island.  She lives in Coventry and enjoys swimming and horseback riding.



Certified Health Consultant

Brian has worked in multiple capacities in the health care field for over 38 years. He has an undergraduate degree from Providence College in Health Care Administration and a Masters Degree from Suffolk University.

He has achieved the prestigious designation of Certified Health Consultant (CHC) and for the past twelve years has managed several large group retiree medical plans throughout the country. 




Doctor's Choice is an independent agency.  We offer plans from multiple insurance companies so you can compare.  


Health insurance is something we all need.  We focus on educating you about all the tradeoffs between plans so you can make the best decision for yourself.  We also offer a strong library of resources to help you understand Medicare Health Plans here.


Our team has over 40 years of combined experience with Medicare Health Plans.  We are often able to help individuals reach a decision within 30 minutes, irrespective of whether they enroll with us.  


Our relationship starts with enrollment.  Medicare health plans can change from year to year.  We keep you updated on major changes that will affect your plan on a yearly basis to help achieve peace of mind. And of course, we're just a phone call away for questions. 


We're compensated when you enroll in one of our various plans.  Our consultation is free of charge, regardless of whether you enroll with us.  We also offer our consultation services to employers and benefits managers at no additional charge.