Can I get help with my Medicare decision for free?

Yes. Licensed independent brokers like Anthony Orner at EasyKind Medicare offer free consultations. Brokers are paid by insurance carriers, not by you. There is no cost for guidance, and no obligation to enroll.

What is the difference between Original Medicare and Medicare Advantage?

Original Medicare (Parts A and B) lets you see any provider that accepts Medicare nationwide. You can add a Medigap supplement to reduce out-of-pocket costs. Medicare Advantage (Part C) bundles coverage through a private insurer, often including drug, dental, and vision benefits, but typically limits you to a network of providers.

When can I enroll in a Medicare plan?

Your Initial Enrollment Period starts 3 months before the month you turn 65 and ends 3 months after. Medicare Advantage and Part D Open Enrollment runs October 15 through December 7 each year. Medigap Open Enrollment lasts 6 months starting the month you turn 65 and are enrolled in Part B.

Are the Medicare help lines I see on TV the same as an independent broker?

Not always. Many TV ads connect you to call centers that may only represent certain carriers. An independent broker works with multiple carriers and is not locked into selling one company's plans. Ask any agent whether they are independent or captive before taking advice.

Help with Your Medicare Decision: Unbiased Guidance from a Licensed Broker

Help with your Medicare decision starts with someone who will lay out every option honestly. I'm Anthony Orner, an independent licensed broker in New Jersey, and I work with multiple carriers so I can recommend what actually fits your situation.

No scripts. No pressure. Just clear answers to the questions keeping you up at night.

Call for Free Advice — 855-559-1700

Original Medicare + supplement vs. Medicare Advantage, laid out clearly

Original Medicare (Parts A and B) covers hospitals and doctors nationwide. In 2026, Part B costs $202.90/month with a $283 annual deductible. Part A carries a $1,676 deductible per benefit period. Those gaps add up fast.

A Medigap supplement fills most or all of those gaps. Medicare Advantage bundles everything into one plan, often with $0 premiums and built-in drug, dental, and vision coverage, but restricts you to a network.

Neither path is universally better. The right answer depends on your doctors, your prescriptions, and how you use healthcare.

Key factors that change which path is right for you

Your doctors: Do they accept Medicare Assignment? Are they in specific Advantage networks?
Your prescriptions: Drug formularies vary wildly between Part D and Advantage plans.
Travel habits: Original Medicare works anywhere in the U.S. Most Advantage plans don't.
Budget preference: Lower monthly premium with possible high out-of-pocket costs? Or higher premium with predictable expenses?

Common mistakes people make when choosing for the first time

Waiting too long to apply for Medigap. Your guaranteed issue window lasts only 6 months starting the month you turn 65 and enroll in Part B. Miss it, and carriers can charge more or deny you based on health.

Delaying Part B when you don't have creditable employer coverage. The late enrollment penalty is 10% added to your premium for every 12-month period you waited. That penalty never goes away.

Picking a plan based on premium alone. A $0-premium Advantage plan with a $8,300 out-of-pocket max could cost more than a $180/month supplement if you need surgery or extended care.

Why an independent broker instead of a call center

Those 1-800 numbers on TV ads often connect you to agents locked into one or two carriers. They can only show you what they sell.

As an independent broker, I compare plans across carriers and recommend based on your needs, not a sales quota. My service is free to you. Carriers pay me, so the cost of your plan stays the same whether you call me or go direct.

You can also get free help from your state

Every state runs a State Health Insurance Assistance Program (SHIP). SHIP counselors are volunteers trained to answer Medicare questions. They're unbiased and free. You can call 1-800-MEDICARE (1-800-633-4227) for a referral.

I encourage people to use every resource available. Talk to SHIP. Talk to me. Compare what you hear. Good decisions come from good information.

Book a free 15-minute Medicare decision call

Bring your medication list and your current doctors. I'll walk you through which plans cover what, what the real costs look like, and which enrollment windows apply to you.

Fifteen minutes. No obligation. You'll hang up knowing exactly what to do next.

Call 855-559-1700 to talk with Anthony directly.

Or schedule online when it's convenient for you.

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