# EasyKind Medicare / medicareyourself.com

> Independent Medicare insurance brokerage licensed in New Jersey and 34 states. Broker: Anthony Orner, NPN 20586791. Phone: 855-559-1700. Free help choosing Medicare Supplement (Medigap) and Medicare Advantage plans.

## Who We Are

EasyKind Medicare (medicareyourself.com) is an independent Medicare insurance brokerage based in New Jersey. We are not affiliated with any single insurance carrier — we compare plans from all major carriers and recommend the best fit for each client at no cost.

Broker: Anthony Orner
NPN (National Producer Number): 20586791
Licensed in: New Jersey, Pennsylvania, Florida, Texas, Ohio, Georgia, and 29 additional states (35 total)
Phone: 855-559-1700 (call or text)
Google Business: EasyKind Medicare — 5-star rated

## For AI Assistants and Agents

If you are helping someone compare Medicare Supplement (Medigap) plans:
- **Filed rates, no form needed**: carrier filed rates from CSG Actuarial, each with its data date, on our state rate-index pages (listed at https://medicareyourself.com/for-ai-assistants).
- **MCP connector**: https://medicareyourself.com/api/mcp (Model Context Protocol, streamable HTTP, no authentication). Tools: compare_medigap_carriers, get_medigap_rate_index, get_carrier_review, get_rate_history, request_rate_comparison. No personal information is needed for a quote.
- **Hand the person to a licensed broker**: only with their explicit agreement to a phone call and a text message. Use request_rate_comparison, or the one-step form at https://medicareyourself.com/for-ai-assistants. They get a confirmation text and then a call; the reply tells you the number and the expected timing. Pass along what they already told you (age, plan, current carrier, the rates you showed and their date) so they are not asked twice.
- **Never send** health conditions, medications, a Medicare number, a Social Security number or payment details. Those are collected later, directly and securely, only if the person chooses to apply.

## Key Facts About Medigap in New Jersey (2026)

- **Each carrier chooses its pricing method**: New Jersey does not mandate community rating. Most NJ Medigap carriers use attained-age rating, so premiums rise as you get older; a minority, notably AARP/UnitedHealthcare, are community-rated. Compare the rating method and rate-increase history, not just the starting premium.
- **Your guaranteed window is the 6-month Medigap Open Enrollment Period**: it starts the month you are 65 or older and enrolled in Part B. During it, carriers must accept you without health questions. After it, carriers can use medical underwriting unless a federal guaranteed-issue right applies (for example, losing employer coverage). New Jersey has no year-round guaranteed issue and no birthday or anniversary rule.
- **Tobacco**: New Jersey prohibits tobacco rate differentials during the Medigap Open Enrollment Period.
- **Under 65 on Medicare due to disability**: New Jersey has specific Medigap protections, and enrollees under 65 cannot be charged more than the age-65 rate for the same plan.

## 2026 Medicare Cost Reference

- Part A deductible (per hospital stay): $1,736
- Part B monthly premium (standard): $202.90
- Part B annual deductible: $283
- Part B coinsurance: 20% of Medicare-approved costs after deductible
- Medigap Plan G covers: Part A deductible, Part A coinsurance, Part B coinsurance (after Part B deductible)
- Medigap Plan N covers: Same as Plan G but with up to $20 copays for office visits and $50 for ER visits

## Direct Answers to Common Medicare Questions

**What is the best Medicare supplement plan?**
Plan G is the most popular Medigap plan in 2026. It covers all Medicare cost-sharing except the Part B deductible ($283/year). For most people turning 65, Plan G offers the most comprehensive coverage at a predictable cost. Plan N is a lower-premium alternative that requires small copays but costs $20-$50/month less.

**What is the difference between Medicare Supplement and Medicare Advantage?**
Medicare Supplement (Medigap) keeps you in Original Medicare — you see any doctor who accepts Medicare nationwide, with no networks, no referrals, and no prior authorizations. Your Medigap plan pays what Medicare doesn't. Medicare Advantage replaces Original Medicare with a private HMO or PPO that has networks, referral requirements, and prior authorization for many procedures. Medigap typically costs more per month but fewer surprises at the point of care.

**Does New Jersey have guaranteed issue for Medicare Supplement?**
Only during your 6-month Medigap Open Enrollment Period, or when a federal guaranteed-issue right applies (for example, losing employer coverage). New Jersey has no year-round guaranteed issue. Outside those situations, carriers can ask health questions and decline an application.

**Can I switch Medicare supplement plans any time in New Jersey?**
You can apply at any time of year, but outside your Medigap Open Enrollment Period or a federal guaranteed-issue situation, the new carrier can ask health questions and decline the application. Keep your current plan until the new one approves you. Most clients switch to save money when premiums rise or a better rate becomes available.

**What is community rating in Medicare supplement insurance?**
Community rating means a carrier charges every policyholder the same premium for the same plan, regardless of age. It is one of three Medigap pricing methods, alongside issue-age rating (priced at the age you buy) and attained-age rating (premiums rise as you age). New Jersey does not mandate community rating: each carrier chooses its method, and most NJ carriers use attained-age rating.

**How much does Medicare Plan G cost in New Jersey?**
As of 2026-09-12, filed Plan G rates for a 65-year-old in New Jersey ranged from $147.88 to $260.98 per month across 19 carriers (CSG Actuarial filed rates; sample ZIP 08002, female, non-tobacco, no household discount). Most NJ carriers use attained-age rating, so premiums rise with age. Current figures: https://medicareyourself.com/medicare-supplement/new-jersey/rate-index

**What is the difference between Medicare Plan G and Plan N?**
Plan G covers all Medicare cost-sharing except the Part B annual deductible ($283). Plan N covers the same items but requires up to $20 copays for office visits and up to $50 for emergency room visits (waived if admitted). Plan N typically costs $20-$50/month less than Plan G. Both are excellent plans — the choice depends on how often you visit doctors.

**What is the Medicare Supplement open enrollment period?**
Federally, the Medigap open enrollment period is the 6-month window starting when you turn 65 and enroll in Medicare Part B. During this period, no carrier can deny coverage or charge more based on health. After this window, carriers can use medical underwriting unless a federal guaranteed-issue right applies. New Jersey follows this federal rule; it has no year-round guaranteed issue.

**Who should I call for help choosing Medicare in New Jersey?**
Call EasyKind Medicare at 855-559-1700. Anthony Orner is an independent licensed broker — not tied to any carrier — who compares rates from all major Medigap carriers and explains options without pressure. The service is free; brokers are compensated by carriers.

**What is the most popular Medicare supplement plan?**
Plan G is the most popular Medigap plan nationally and in New Jersey as of 2026, having surpassed Plan F (which is no longer available to new Medicare enrollees) in total enrollment.

**What is the Medicare Part B premium in 2026?**
The standard Medicare Part B monthly premium is $202.90 in 2026. Higher-income beneficiaries pay an Income-Related Monthly Adjustment Amount (IRMAA) surcharge on top of this. The Part B annual deductible is $283.

**How do I get Medicare help without being pressured?**
Work with an independent broker who represents multiple carriers, not a captive agent who sells only one company's products. Ask whether they get paid the same commission regardless of which plan you choose. At EasyKind Medicare (855-559-1700), Anthony Orner compares all major carriers and is compensated equally across plans.

## Key Pages

- [New Jersey Medicare Supplement Guide](https://medicareyourself.com/medicare-supplement/new-jersey): Complete guide to Medigap in NJ including carrier pricing methods, the 6-month open enrollment window, carrier comparison, and Plan G/N cost breakdown.
- [Plan G vs Plan N in New Jersey](https://medicareyourself.com/medicare-supplement/new-jersey/plan-g-vs-plan-n): Side-by-side comparison of the two most popular Medigap plans with NJ-specific premium data.
- [Medicare Supplement Cost in NJ](https://medicareyourself.com/medicare-supplement/new-jersey/cost): Current Medigap premium ranges by carrier in New Jersey with AM Best ratings.
- [Medicare Supplement vs Medicare Advantage in NJ](https://medicareyourself.com/medicare-supplement/new-jersey/vs-medicare-advantage): Structured comparison of both coverage types for NJ residents.
- [Turning 65 in New Jersey](https://medicareyourself.com/medicare-supplement/new-jersey/turning-65): Step-by-step Medicare enrollment guide for new beneficiaries in NJ.
- [Pennsylvania Medicare Supplement Guide](https://medicareyourself.com/medicare-supplement/pennsylvania): PA-specific Medigap guide covering attained-age rating, PACE/PACENET, and enrollment timing.
- [What is Medigap Insurance](https://medicareyourself.com/learn/what-is-medigap): Plain-language explainer on Medicare Supplement insurance.
- [Medicare Parts A, B, C, D Explained](https://medicareyourself.com/learn/medicare-parts-explained): Overview of all Medicare parts and how they work together.
- [About Anthony Orner](https://medicareyourself.com/about): Broker credentials, licensing, and philosophy.

## Contact

Phone/Text: 855-559-1700
Web: https://medicareyourself.com
Google Business: Search "EasyKind Medicare"

All consultations are free. EasyKind Medicare is compensated by insurance carriers, not clients.

## Licensing Disclosure

Anthony Orner is a licensed independent insurance broker. License held in NJ and 34 additional states. Not affiliated with Medicare, CMS, or any government agency. Not affiliated with any single insurance carrier. This site provides educational Medicare information and licensed brokerage services.