Medicare is a federal health insurance program for people age 65 or older, and for certain younger individuals with disabilities or End-Stage Renal Disease. If you’ve worked and paid Medicare taxes for at least 10 years, you’re typically eligible for Medicare coverage.
You can enroll in Medicare during several designated periods. The Initial Enrollment Period begins three months before your 65th birthday and ends three months after. If you miss this window, you can enroll during the General Enrollment Period, which runs from January 1 to March 31 each year. Additionally, a Special Enrollment Period may be available if you experience certain qualifying life events, such as retiring or losing employer-provided coverage. Finally, the Annual Enrollment Period, held from October 15 to December 7, allows you to make changes to your existing Medicare plan.
Medicare is divided into different parts that cover specific types of care. Part A is hospital insurance, which helps cover inpatient care, skilled nursing facilities, and hospice services. Part B is medical insurance, covering things like doctor visits and outpatient care. Part C, also known as Medicare Advantage, is an all-in-one alternative that usually includes Parts A and B, and often Part D as well. Part D provides prescription drug coverage to help with the cost of medications.
It depends on your healthcare needs and budget. Medicare Advantage (Part C) combines multiple coverages into one plan, often with added benefits. Medigap (Supplemental Insurance) helps cover out-of-pocket costs that Original Medicare doesn’t. Our licensed agents help you compare and choose the best fit for your lifestyle.
We provide free, personalized consultations with licensed agents who assess your medical needs, prescriptions, and budget to compare Medicare Advantage, Supplement, and Part D plans. Our goal is to simplify the process and ensure you choose a plan that truly works for you.
No, our services are completely free to you. We are compensated by insurance carriers, not by our clients, so you can get expert help at no cost.
Yes. You can switch plans during specific times like the Annual Enrollment Period (Oct 15 – Dec 7) or the Medicare Advantage Open Enrollment Period (Jan 1 – Mar 31). Special Enrollment Periods are also available if you have qualifying circumstances.
Missing your enrollment period may result in late penalties and gaps in coverage. However, we can help you explore your options and see if you qualify for a Special Enrollment Period based on your situation.
Our team uses your location, medications, and doctors to generate a custom list of Medicare plans available in your zip code. We walk you through your options so you can make an informed decision with confidence.
Absolutely. You can speak to a licensed agent over the phone or schedule an in-person consultation. We're here to make Medicare easy—however you prefer to connect.
Medicare Advantage (Part C) is an all-in-one alternative to Original Medicare offered by private insurers. Medigap (Medicare Supplement) policies help pay some out-of-pocket costs not covered by Original Medicare. You can’t enroll in both.
If you're covered under a large employer’s group health plan, you may delay Medicare Part B without penalty. However, it’s important to evaluate your options carefully with an advisor.
You can compare plans using the official Medicare Plan Finder tool or by speaking with a licensed Medicare broker who can walk you through your options based on your doctors, prescriptions, and lifestyle.
Yes. Most people receive Part A premium-free, but Part B has a monthly premium. Medicare Advantage and Part D plans also have their own premiums, copays, and deductibles.
You can search directories like MedicareAgentsHub.com or work with local firms that specialize in Medicare. Be sure the agent is licensed in NY and offers multiple plan options.
Yes. Some Medicare Advantage plans in NYC include benefits like MetroCard credits, access to local medical networks, and dental or vision care through New York-based providers.
Yes. Many independent agents offer face-to-face appointments in Manhattan, Brooklyn, Queens, and other boroughs. You can also get help through city-sponsored aging resource centers or libraries. Brian Krantz and his Medicare associates offer in-person appointments in their office in New York City or Long Island.
Plans from Aetna, EmblemHealth, Healthfirst, UnitedHealthcare, and Empire BlueCross BlueShield are widely used. Availability and networks vary by borough and zip code.
Bring your Medicare card (if you have one), list of medications, doctors' names, and any other health insurance info. This helps the advisor match you with the right plan.
No. Reputable agents in New York City work on commission paid by insurers, so their advice and plan comparisons are typically free of charge to the consumer.
Our team of Licensed Advisors in Medicare will guide you through the entire Medicare enrollment process.