Is a free Medicare advocate really free?

Yes. Independent Medicare brokers like Anthony Orner are paid by insurance carriers, not by you. There's no fee, no hidden charge, and no obligation. You pay the same premium whether you use a broker or enroll directly.

What's the difference between a Medicare advocate and a SHIP counselor?

State Health Insurance Assistance Program (SHIP) counselors provide free education and can explain your options, but they cannot enroll you in a plan. An independent broker can do both: give you unbiased guidance and handle the enrollment paperwork for you.

Can a Medicare advocate help me switch plans?

Absolutely. During Medicare Advantage Open Enrollment (October 15 through December 7) or if you have a qualifying life event, an advocate can review your current coverage, compare alternatives, and switch you to a better-fitting plan at no cost.

How do I know a Medicare advocate is unbiased?

Ask if they're contracted with multiple carriers. An independent broker works with many insurance companies, not just one. That means the recommendation is based on your needs, not a single company's product lineup.

Free Medicare Advocate Near You in New Jersey

Free Medicare advocate near me is one of the most common searches I see from people in New Jersey who are tired of sorting through plan options alone. I'm Anthony Orner, a licensed independent broker, and I help people across NJ compare Medicare plans at zero cost.

You shouldn't have to guess which plan protects your doctors, your prescriptions, and your budget. That's what I'm here for.

Call for Free Advice — 855-559-1700

What a Medicare advocate does vs. what a broker does

Some states run free counseling programs (called SHIP) where trained volunteers explain Medicare benefits and help you understand your options. They provide education, but they can't enroll you.

An independent broker does both. I walk you through every option, then handle the application and enrollment paperwork. Same unbiased guidance, but with follow-through.

Why Anthony's help is 100% free to you

Insurance carriers pay brokers a commission when you enroll. Your premium stays the same whether you call the carrier directly or work with me. There's no markup, no fee, no catch.

You get a licensed professional reviewing your medications, checking your doctor network, and comparing costs across carriers. All at $0.

How an independent advocate finds unbiased plan options

I'm contracted with multiple insurance carriers, not tied to one company. That means when I recommend a plan, it's based on your situation, not a sales quota.

I check which plans cover your specific prescriptions
I verify your doctors are in-network before you enroll
I compare out-of-pocket costs across Medicare Advantage, Medigap, and Part D options

The details inside your plan matter more than the premium

A $0 premium plan can look amazing on paper. Then you find out your longtime doctor is out of network, a medication you depend on costs more than expected, or traveling out of state creates coverage gaps.

I've seen this play out too many times. My job is to flag those problems before they cost you money or access to care.

Key numbers you should know for 2026

Part B monthly premium: $202.90
Part B annual deductible: $283
Part A deductible: $1,676 per benefit period
Medicare Advantage/Part D Open Enrollment: October 15 through December 7
Medigap Open Enrollment: 6 months starting the month you turn 65 and are enrolled in Part B

Schedule a free Medicare advocacy session today

One phone call. I'll review your current coverage (or help you start fresh), compare your options, and answer every question you have. No pressure, no obligation.

Call 855-559-1700 or book a time that works for you.

Talk to a licensed Medicare advocate today

Call 855-559-1700 for a free, no-obligation consultation.

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