Medicare Help in Barnegat, NJ

I'm Tom Holowchuk, an independent Medicare broker based a few minutes south in Manahawkin. I compare the plans I offer in your ZIP code, explain them in plain English, and help you choose. There's no cost to you.

Serving Barnegat's 55+ communities

Barnegat is home to active-adult communities such as Four Seasons at Mirage, Heritage Point, Coastal Woods and The Venue at Lighthouse Station. Many residents moved here from North Jersey, New York or Pennsylvania. If that's you, here's something important: a move to a new county can change which plans are available to you. Some plans are tied to a service area, and a permanent move can give you a Special Enrollment Period to choose new coverage. A quick review makes sure you aren't left with a plan that doesn't fit where you live now.

The three questions I ask everyone

1. Which doctors do you want to keep?

Barnegat residents often see doctors in Manahawkin, Toms River or further away. Before I recommend anything, I check that your doctors are covered. Southern Ocean Medical Center in Manahawkin is the nearest hospital for many Barnegat residents. I'll confirm the hospitals you'd want to use, too.

2. What medicines do you take?

Drug lists change every year. I check each prescription and dose against the plans so you know what you'll really pay at the pharmacy.

3. What can you comfortably afford?

Some people prefer a higher monthly premium and very few surprise bills. Others prefer a low premium and paying as they go. There's no wrong answer. We'll find the balance that lets you sleep at night.

Turning 65 in Barnegat

Your Initial Enrollment Period is seven months long. It starts three months before the month you turn 65 and ends three months after it. If you're still working and have group health coverage, you may be able to wait on Part B without a penalty. That decision depends on your employer coverage, so let's look at it together before you decide.

Help with drug costs

If your prescriptions are hard to afford, New Jersey has programs that may help, such as PAAD and Senior Gold, along with the federal Extra Help program. I can explain how they work and whether you might qualify.

Frequently asked questions

Is your help really free?

Yes. My help costs you nothing.

I just moved into a 55+ community in Barnegat. What should I do first?

Call me before your next doctor visit if you can. We'll check whether your current plan works in Ocean County and whether you have a Special Enrollment Period to switch.

Do you only sell one company's plans?

No. I'm independent, so I compare plans from several insurance companies. We do not offer every plan available in your area.

What should I have ready for our call?

Your Medicare card, a list of your doctors, and your prescriptions with doses.

Talk to someone local

Call (732) 554-3021 or book a free consultation. No pressure.