Terms of use

What this website is

Garden State Medicare Solutions is an independent insurance agency serving New Jersey. This site exists to explain Medicare and related insurance options in plain English and to let you start a conversation with a licensed agent. It is a marketing and educational website.

It is not a government website, and it is not affiliated with, endorsed by, or operating on behalf of the Centers for Medicare & Medicaid Services, or any federal or state agency.

Information, not advice

Everything published here is general information. It is not individualized insurance, legal, tax or medical advice. Insurance rules change, plans change every year, and your situation is specific to you.

Before acting on anything you read here, confirm it against your own plan documents or speak with a licensed agent about your circumstances.

Using this site does not make us your agent

Reading a guide, using a calculator, running the plan finder or sending a message through a form does not create an agent and client relationship with Garden State Medicare Solutions or with Jackie Layser. That relationship begins only when you ask us to help you with a specific plan or application and we agree to do so.

Sending us a message does not enroll you in anything, change any coverage you already have, or hold a place in an enrollment period. Coverage starts only when a carrier or Medicare approves an application.

Calculators and estimates

The calculators and estimates on this site use published figures and the details you enter. Which year applies depends on the tool:

• Medicare plan figures (the plan finder, plan counts, premiums and out-of-pocket maximums on the location pages) use the CMS 2027 contract year plan files.
• Federal Medicare amounts (the Part B premium and deductible, the Part D base premium, IRMAA brackets and penalties) use the 2026 values CMS has published. CMS usually announces the 2027 amounts in the fall.

What an estimate is not

Results are estimates. They are not a quote, an offer of coverage, or a determination of eligibility, and they may differ from the final figure for many legitimate reasons, such as a change in your income, your county, the carrier's rates or a federal amount announced after the page was written.

Final premiums, savings and eligibility are confirmed at enrollment with Medicare or directly with the carrier.

Plan data

Where this site displays Medicare plan names, carriers, premiums or out-of-pocket maximums, that data comes from the public Medicare Advantage and Part D Landscape files published by the Centers for Medicare & Medicaid Services (CMS), matched to the ZIP code or county you choose. Government figures such as Medicare premiums and income limits come from CMS, Medicare.gov, the Social Security Administration, the New Jersey Department of Human Services and the New Jersey Department of Banking and Insurance, and each page names its sources.

We do not offer every plan available in your area. For information on all of your options, contact Medicare.gov, call 1-800-MEDICARE.

Accuracy of third-party data

We take care to copy public figures correctly and to date them, but we do not control the agencies and carriers that publish them. CMS releases corrected plan files during the year, carriers can change networks and drug lists, and government amounts change every January. We cannot guarantee that every figure is complete or current at the moment you read it.

If you find a figure that looks wrong, tell us and we will check it against the source and correct the page.

Links to other websites

This site links to third-party websites, including carrier sites and government resources. We do not control those sites and are not responsible for their content, availability or privacy practices.

Acceptable use

• Do not use this site to attempt to gain unauthorised access to any system or data
• Do not scrape, copy or republish substantial portions of the content without permission
• Do not submit false information through the forms, or submit information about another person without their permission

Intellectual property

The written content, design and code of this site are owned by Garden State Medicare Solutions unless otherwise stated. The Garden State Medicare Solutions name and logo are our marks. Carrier names are the property of their respective owners and are used only to identify the carriers we represent. Government figures quoted on this site are public information.

Limitation of liability

This site and everything on it are provided as is, without any promise that they are complete, error free or always available. To the fullest extent New Jersey law allows, Garden State Medicare Solutions and its agents are not liable for any loss or damage that comes from using this site, relying on its general information or estimates, or being unable to reach it.

Nothing in these terms limits any right you have under New Jersey insurance law, or any duty a licensed agent owes you once we are helping you with a specific plan.

Governing law

These terms are governed by the laws of the State of New Jersey. Any dispute about this website will be handled in the state courts of New Jersey, unless New Jersey law gives you the right to bring it somewhere else.

If you have a concern about an insurance agent or a policy, you can also contact the New Jersey Department of Banking and Insurance, which licenses insurance producers in New Jersey: ask for help or file a complaint, or call 1-800-446-7467.

Privacy

How we handle information you send us, and which cookies this site uses, is explained in our Privacy and cookie policy.

Changes and contact

We may update these terms as the site changes. The date below reflects the most recent substantive review.

Questions about these terms: call (856) 727-4221 or use the contact page.