Medicare and Insurance Services in New Jersey

Start here if you are turning 65, new to Medicare, or on a plan that changed for 2027. Original Medicare (Parts A and B) is the base. From there are two routes. A Medicare Supplement (Medigap) plan works alongside Original Medicare so you can see any doctor who accepts Medicare, and you add a Part D plan for drugs. Medicare Advantage puts hospital, medical and usually drug coverage in one private plan with a network and a yearly out-of-pocket limit. Jackie checks your doctors and every prescription before comparing either route. Annual Enrollment runs October 15 to December 7, 2026.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Start here once your main coverage is settled and you want help with what it leaves out. Dental, vision and hearing plans cover routine care and hardware that Original Medicare does not. Cancer, heart attack and stroke policies and hospital indemnity plans pay cash to you, which suits a plan full of copays and coinsurance. Jackie reads your own plan first so a policy is sized to a real cost.

Start here if you want a small permanent policy that pays for a funeral, burial or cremation and final bills. Nobody likes to plan for this, but it is an act of love: a benefit you give the people you love once you are gone.

Start here if you want your nest egg to last. The no-cost Income Strategy Session looks at the lifestyle you want to keep living and the savings you have built, then designs an income plan around it. Annuities are discussed only where they fit, subject to underwriting and the claims-paying ability of the issuing company.