Medicare Advisors in NJ: What a Licensed Broker Actually Does for You

How New Jersey's guaranteed-issue rules protect you

During your six-month Medigap Open Enrollment Period (starting the month you turn 65 and enroll in Part B), every Medigap carrier in NJ must accept you regardless of health history. No medical questions. No higher premiums for pre-existing conditions.

Outside that window, NJ carriers can underwrite. Federal guaranteed-issue rights still apply in specific situations: losing employer coverage, leaving a Medicare Advantage plan within 12 months, or your carrier going bankrupt. Miss the window without a qualifying trigger, and your options shrink fast.

Supplement and Advantage plans compared across NJ carriers

• Medigap (Supplement): Covers gaps in Original Medicare. Plan G is the most popular, covering the $1,676 Part A deductible, SNF coinsurance ($209.50/day for days 21-100), and excess charges. You pay the $283 Part B deductible, then essentially nothing else. Rates vary by carrier and age.
• Medicare Advantage: Replaces Original Medicare with a network-based plan. Often includes dental, vision, and drug coverage. Lower premiums, but copays and prior authorizations apply. Network restrictions matter a lot in North Jersey vs. South Jersey.

Neither option is universally better. It depends on your doctors, your medications, and how much predictability you want in your costs.

What a broker actually does that you can't do alone

You can go to medicare.gov and compare plans yourself. Most people try. Most people also call me afterward because the plan finder doesn't explain what the numbers mean for their situation.

A broker checks your prescriptions against Part D formularies, confirms your doctors are in-network, flags enrollment deadlines you didn't know existed, and handles paperwork. If a claim gets denied next year, you call me. Not an 800 number.

Common mistakes people make without guidance

• Buying a Medigap plan too early or too late. Timing your Part B enrollment wrong can trigger a 10% premium penalty for every 12-month period you delayed.
• Assuming employer coverage automatically coordinates with Medicare. If your employer has fewer than 20 employees, Medicare becomes primary. Get this wrong and claims get denied.
• Choosing a plan based on premium alone without checking drug formularies or provider networks.

Talk to Anthony Orner for a free plan review

I live in New Jersey, I work with every major carrier here, and I don't charge you a cent. The carriers pay me the same commission regardless of which plan you pick, so I have zero reason to steer you toward one over another.

If you're approaching 65, leaving employer coverage, or just wondering whether your current plan still makes sense, call me. One conversation. No obligation.