Medicare Specialists in Cranford, NJ: Licensed Broker Serving Union County

Why Cranford residents choose an independent Medicare specialist

Cranford sits in Union County with access to major health systems like RWJBarnabas and Trinitas Regional Medical Center. Which plans include your local doctors matters more than a TV ad.

An independent broker isn't locked to one carrier. I compare options across multiple insurers so you see the real tradeoffs, not just one company's pitch.

Supplement and Advantage plans available in the Cranford area

• Medigap (Medicare Supplement): Plans like G and N cover gaps in Original Medicare. You keep your choice of any doctor who accepts Medicare. Rates vary by carrier and age.
• Medicare Advantage (Part C): Network-based plans that often bundle prescription drugs, dental, vision, and hearing. Some have $0 premiums, but check the provider network carefully.
• Part D (Prescription Drug): Standalone drug plans pair with Original Medicare or Medigap. Formularies change yearly, so review your medications each fall.

How to meet with a broker by phone, video, or in person

I work with Cranford-area clients however it's easiest for you. Call, schedule a video session, or meet locally. Most reviews take about 20 minutes.

Bring your Medicare card, a list of current medications, and the names of doctors you want to keep. That's all I need to pull accurate plan comparisons.

Key enrollment windows to know in 2026

• Medigap Open Enrollment: 6 months starting the month you're 65+ and enrolled in Part B. This is your guaranteed-issue window. Miss it, and carriers can underwrite based on health.
• Annual Enrollment (AEP): October 15 through December 7 for Medicare Advantage and Part D changes.
• Part B late penalty: 10% added to your $202.90/month premium for each 12-month period you delayed without qualifying coverage.

What a free Medicare review actually covers

I check whether your current plan still fits. Carriers adjust networks, formularies, and costs every year. A plan that worked in 2025 might cost you more in 2026.

There's no obligation and no fee. Insurance carriers pay the broker, not you. You get the same plan at the same price whether you enroll directly or through me.

Schedule a free Medicare review for Cranford, NJ

Call 855-559-1700 or request a callback below. I'll walk you through your options, answer every question, and only recommend a plan if it genuinely fits.

Related resources

• Medigap Plan G vs. Plan N: Which Saves You More?
• Medicare Advantage Plans in New Jersey
• Medicare Part B Enrollment: Deadlines and Penalties
• About Anthony Orner, Licensed Medicare Broker