How much do Medicare agents charge?

Nothing. Licensed Medicare brokers are paid by insurance carriers, not by you. Whether you enroll in a Medigap plan, Medicare Advantage, or Part D, the service is free. Your premium stays the same whether you use a broker or go directly to the carrier.

What's the difference between a Medicare agent and a Medicare broker?

A captive agent works for one insurance company and can only sell that company's plans. An independent broker like Anthony Orner is licensed with multiple carriers and can compare rates across all of them. You get unbiased recommendations instead of a sales pitch for one product.

How do I pick the right Medicare agent?

Look for an active NJ license, appointments with multiple carriers, and willingness to explain options without pressure. Ask if they help with claims issues after enrollment. A good broker stays in your corner year after year, not just during sign-up.

How do I speak to a live person about Medicare?

You can call 1-800-MEDICARE (1-800-633-4227) for general questions, but they won't compare plans for you. For plan comparisons and enrollment help specific to Piscataway, call a local broker at 855-559-1700.

Find a Medicare Agent in Piscataway, NJ for Unbiased Plan Comparisons

Find a Medicare agent in Piscataway, NJ who actually compares rates across every major carrier instead of pushing one company's plan. I'm Anthony Orner, a licensed independent broker serving Middlesex County. My consultations are always free, and I work for you, not for any single insurer.

Call for Free Advice — 855-559-1700

Why an independent broker beats calling each carrier yourself

Calling three or four insurance companies means repeating your health history, medications, and doctors every time. Each rep only knows their own products. An independent broker pulls rates from all of them in one conversation.

I hold appointments with over a dozen carriers in New Jersey. One call gives you a side-by-side comparison. Same premiums you'd get going direct, zero markup.

Top Medicare Supplement carriers serving Middlesex County

Piscataway residents have strong access to Medigap plans from carriers actively writing policies in the 08854 zip code:

Aetna
Cigna
Mutual of Omaha
United American
Anthem (via Empire BCBS network)

Rates vary by carrier, age, and tobacco status. I quote all of them so you see the real spread.

Turning 65 in Piscataway? Here is your open enrollment timeline

Your Medigap Open Enrollment Period starts the month you turn 65 and are enrolled in Part B. It lasts six months. During this window, carriers must accept you regardless of health history. No medical questions, no denials.

Miss it, and carriers can underwrite you or decline coverage entirely. That's why I recommend starting the process about six months before your Part B effective date.

For 2026, the Part B premium is $202.90/month, the Part B deductible is $283/year, and the Part A deductible is $1,676 per benefit period. These costs are exactly what a good Medigap plan covers.

Local healthcare realities that shape your plan choice

Piscataway sits between Robert Wood Johnson University Hospital in New Brunswick and JFK Medical Center in Edison. With Original Medicare plus a Supplement, you can walk into either facility without network restrictions.

If a major hospital system drops a carrier's network (something NJ residents have seen firsthand), Medigap holders aren't affected. Your coverage follows you, not a network directory.

What happens after you enroll

I don't disappear after enrollment. If you get an unexpected bill, need to switch plans, or have questions about a claim, you call the same number. I review your plan annually to make sure it still fits your needs and budget.

Real broker support means you have someone in your corner when the paperwork gets confusing.

Book a free phone or video consultation

Pick whichever format works for you. Phone, Zoom, or in-person if you're nearby. I'll pull quotes, walk through your options, and answer every question. No cost, no obligation, no pressure.

Call 855-559-1700 or click below to get started.

Ready to compare Medicare plans in Piscataway?

Call 855-559-1700 or Get a Free Quote