How much does it cost to use a Medicare broker?

Nothing. Medicare brokers are paid by the insurance carriers, not by you. My consultations are free, and there's no obligation to enroll in anything.

When does Medicare start if I'm approved for SSDI?

Medicare coverage begins after you've received SSDI benefits for 24 months. Your Part A and Part B will start automatically at the 25th month. The clock starts from your disability onset date, not your approval date, so some people are closer to eligibility than they realize.

What happens to my Medicare if I go back to work?

You can keep Medicare for at least 93 months (about 8.5 years) after returning to work under Social Security's Extended Period of Medicare Coverage. This gives you real room to test whether working is sustainable without losing healthcare.

Medicare Broker for People on Disability: Navigating Under-65 Enrollment in NJ

Q: Can I get a Medigap plan if I'm under 65 in New Jersey?

New Jersey requires Medigap carriers to offer policies to Medicare-eligible residents under 65. However, carriers can charge higher premiums for under-65 enrollees. Your best rates come during your 6-month Medigap Open Enrollment window, which starts the month your Part B is active.

A Medicare broker for people on disability can cut through the confusion that hits when you're under 65 and suddenly enrolled in a system designed for retirees. Most of the standard Medicare advice doesn't apply to your situation. I'm Anthony Orner, a licensed broker in New Jersey, and I help SSDI recipients figure out the right coverage without the stress.

Call for Free Advice — 855-559-1700

How Medicare works when you qualify through SSDI

After 24 months of receiving Social Security Disability Insurance, you're automatically enrolled in Medicare Parts A and B. Part A (hospital coverage) is premium-free if you worked at least 10 years. Part B costs $202.90/month in 2026, deducted from your SSDI check.

That automatic enrollment catches people off guard. One month your SSDI payment drops by $200 and nobody warned you. If that payment is $1,450 a month, that's a real hit. State programs like Medicaid or the Medicare Savings Program may cover your Part B premium depending on income. Call me and I'll check your eligibility.

The 24-month waiting period and what counts

The 24-month clock starts at your disability onset date, not the date you got your approval letter. If your claim took two years to process, you may already qualify for Medicare the month your benefits begin. Back payments often overlap with the waiting period.

This is one of the most misunderstood parts of disability Medicare. I've worked with people in NJ who didn't realize they were already in their Medigap enrollment window until it was almost too late.

Medigap options for under-65 disability beneficiaries in New Jersey

New Jersey is one of the states that requires Medigap carriers to sell policies to Medicare-eligible people under 65. That's good news. The catch: carriers can charge higher premiums for under-65 enrollees, and rates vary significantly between companies.

Your 6-month Medigap Open Enrollment starts when Part B kicks in
During this window, carriers can't deny you or charge more for health conditions
Missing this window means potential medical underwriting later
Plan G and Plan N are the most common choices for under-65 enrollees

I compare rates across every carrier available in your county so you don't overpay.

Medicare Advantage vs. supplement plans for disability enrollees

Medicare Advantage plans bundle everything into one card and often include dental, vision, and gym memberships at no extra premium. For someone managing multiple specialists and chronic conditions, though, the network restrictions can be a real problem.

A Medigap supplement paired with a standalone Part D drug plan gives you the widest access to doctors and hospitals. You pay a monthly premium, but you avoid surprise bills and referral hassles.

There's no single right answer. It depends on your medications, your doctors, and how often you need care. That's exactly what I sort out for you.

What daily life with disability Medicare actually looks like

You're managing pain, fatigue, appointments, and medications. The last thing you need is to spend hours comparing insurance plans while barely keeping up with the week. I hear from people on SSDI who say they're overwhelmed and afraid of choosing wrong.

That fear is valid. A bad plan choice can mean losing access to a specialist or paying hundreds more per month than you should. My job is to take that weight off you. One call, and I handle the research and paperwork.

Get free help choosing the right plan before your window closes

Your Medigap Open Enrollment window doesn't wait. Once it passes, your options shrink and your costs can rise. Whether you just got your SSDI approval or you've had Medicare for a while and feel like you picked the wrong plan, I can help.

I work with SSDI recipients across New Jersey. The consultation is free. There's no obligation to enroll in anything. Just honest answers from someone who does this every day.

Talk to a broker who understands disability Medicare.

Call 855-559-1700 or Get a Free Quote