Free Medicare Plan Review

A free plan review doesn't take long. I'll check your current coverage against the options I offer in your ZIP code and tell you honestly whether to stay or switch.

Signs it's time for a review

Your premium, copays or deductible went up

A doctor or hospital you use left your plan's network

A prescription got more expensive, or a new one was added

You moved, even within New Jersey

You're turning 65, retiring, or losing employer coverage

You received an "Annual Notice of Change" letter and weren't sure what it meant

You simply haven't looked at your plan in a few years

What I check

Your doctors and hospitals. Are they in the plan's network for next year?

Your prescriptions. Are they covered, at what tier, and what will you really pay at your pharmacy?

Your total yearly cost. Not just the premium, but copays, deductibles and the out-of-pocket maximum.

Extra benefits you'd actually use. Like dental, vision or hearing coverage.

Gaps. Whether a hospital stay or serious diagnosis could leave you with bills you're not ready for.

What happens next

You get a clear, side-by-side comparison. If your current plan is still the best fit, I'll tell you to keep it. If something else fits better, I'll explain why and help you switch during the right enrollment period. There's never any obligation.

When can I change plans?

October 15 – December 7: Annual Enrollment Period, open to most people with Medicare. Changes start January 1.

January 1 – March 31: If you're in a Medicare Advantage plan, you can make one change.

Special Enrollment Periods: Moving, losing coverage, and some other events let you make changes at other times.

Not sure which applies to you? Call and I'll tell you.

Why work with me

Independent. I'm not tied to one insurance company. I compare plans from several companies.

Local. Based in Manahawkin, serving Ocean and Monmouth County.

No cost to you. My help costs you nothing.

Here after you enroll. Every fall I review your plan against what's new for the coming year.

Get started

Option 1: Call (732) 554-3021.

Option 2: Book a time online that works for you.

Option 3: Leave your details and I'll call you.

Have ready: your Medicare card, your current plan name, your doctors, and your prescriptions with doses.

Frequently asked questions

Is the review really free?

Yes. My help costs you nothing.

Will I have to switch plans?

No. Many reviews end with "keep what you have."

Can we do it by phone?

Yes, by phone, Zoom, or in person.

Can you review my spouse's plan too?

Yes. We can review both of you in one appointment.