What is Medicare, and am I eligible for it?

Medicare is federal health insurance for those 65+ or with certain disabilities. Eligibility depends on age, disability, and U.S. residency.

What is the difference between Medicare Advantage and Medigap?

Medicare Advantage combines Part A, B, and sometimes D into one plan, while Medigap covers costs not included in Original Medicare (A and B).

When should I enroll in Medicare?

You should enroll during your Initial Enrollment Period, which starts 3 months before you turn 65 and ends 3 months after.

What does Medicare Part D cover, and how does it work?

Medicare Part D provides prescription drug coverage through private plans, either standalone or as part of Medicare Advantage.

How can I find the best Medicare plan for my needs?

We offer free consultations to compare Medicare plans and help you choose the best one based on your health needs and budget.

Does Medicare cover dental and vision care?

Original Medicare doesn’t cover routine dental and vision care, but many Medicare Advantage plans include these benefits.

What is the difference between term and whole life insurance?

Term life covers you for a set period, while whole life offers lifetime coverage and builds cash value.

Can I switch my Medicare plan after I enroll?

Yes, you can switch plans during the Annual Enrollment Period (October 15 to December 7) or if you qualify for a Special Enrollment Period.

What is the Medicare Savings Program?

The Medicare Savings Program helps low-income individuals pay for Medicare premiums, deductibles, and coinsurance.

Are there any hidden costs in Medicare?

Medicare has out-of-pocket costs such as premiums, deductibles, and co-pays, which can be minimized with additional coverage like Medigap or Medicare Advantage.

Stone Harbor Medicare Agent – Trusted Local Medicare Help

Compare Medicare Advantage Plans & Medigap Options from Multiple Top-Rated Carriers — All in One Place

Item: The Modern Medicare Agency
Rating: 4.8
Author: admin

Schedule Your Free Consultation

New to Medicare in Stone Harbor? Already Enrolled? Turning 65? I’m Here to Help.

Whether you’re turning 65, still working past 65 and transitioning off employer coverage, already on Medicare and reviewing your options, or under 65 due to a disability — you deserve clear guidance, not confusion.

And with Medicare plans changing every year, it’s important to make sure you’re in the right plan for your health needs and budget.

I proudly help every type of Medicare consumer in the Stone Harbor area:

Turning 65

First-time enrollment, deadlines, avoiding penalties, and choosing the right plan.

Still working past 65

Coordinating Medicare with employer-sponsored insurance.

Retiring after 65

Transitioning from work coverage to Medicare without gaps or surprises.

Already on Medicare

Annual plan reviews, cost comparisons, and provider network checks.

Under 65 with Disability

Guidance on Medicare eligibility and plan options.

Caregivers & Family Members

Helping loved ones understand benefits and coverage changes.

Why Stone Harbor Residents Choose Paul Barrett for Medicare

Medicare Advantage Plans in Stone Harbor, NJ

Stone Harbor residents have access to a wide selection of Medicare Advantage (Part C) plans offered by multiple insurance carriers across New Jersey. These plans combine Medicare Part A (hospital) and Part B (medical) coverage, and most include prescription drug coverage (Part D) along with extra benefits such as dental, vision, and hearing. Choosing the right Medicare Advantage plan depends on your doctors, prescriptions, preferred hospitals, and out-of-pocket costs — not just the monthly premium.

I Represent These Top Medicare Advantage Carriers Serving Stone Harbor:

Why So Many Plan Choices Matter

Not all Medicare Advantage plans are created equal. Some plans may look attractive with $0 premiums, but have limited doctor networks or weaker customer service. Others may cost more monthly but can save you thousands in out-of-pocket costs if you need care.

During our phone or Zoom consultation, here’s what I carefully evaluate for you:

Overwhelmed by Choices?

Let me do the heavy lifting. I’ll compare available plans based on YOUR doctors, prescriptions, and budget then present you with the top 2–3 options that truly make sense for your situation.

Medicare Supplement Plans in Stone Harbor, NJ

Prefer the freedom to see ANY doctor or specialist who accepts Medicare—without networks or referrals? A Medicare Supplement plan might be your best choice. New Jersey offers 10 standardized Medigap plans, and I work with 12+ carriers to find you the most competitive rates.

Stone Harbor Medigap Carriers I Represent:

UnitedHealthcare (AARP)

Anthem Blue Cross

Mutual of Omaha

Aflac

Humana

Globe Life

Manhattan Life

Transamerica

American Retirement Life

Bankers Life

Continental Life

Additional Carriers

Multiple carriers = competitive rates and more stable pricing over time.

Stone Harbor Unique Medigap Advantages

Understanding Medigap Pricing in New Jersey

Guaranteed Issue Rights

Important: Even with community-rated pricing, premiums may still increase over time due to inflation and rising healthcare costs. That’s why I help Stone Harbor residents choose carriers with a history of stable, responsible pricing.

Plan G

Comprehensive Coverage

One of the most popular Medigap options in New Jersey. After you meet your Part B deductible, Plan G covers nearly all Medicare-approved costs with no copays, no coinsurance, and no surprise bills.

Best for: Those who want predictable healthcare costs and broad coverage.

High Deductible Plan G

Smart Savings

Offers the same coverage as standard Plan G but with a lower monthly premium. You pay medical costs up to the annual deductible, and then the plan covers eligible expenses.

Best for: Healthy individuals who want lower premiums with protection against major medical costs.

Plan N

Balanced Option

Lower monthly premiums than Plan G, with modest copays for some office visits and emergency room use. A good middle-ground option if you don’t mind limited out-of-pocket costs.

Best for: Those looking to balance premium savings with solid coverage.

Want to See Actual Rates?

I’ll show you side-by-side pricing from multiple carriers so you can make an informed decision. Most people are surprised by how affordable Medigap can be—

Medicare Part D Prescription Drug Plans in Stone Harbor, NJ

Stone Harbor residents can choose from multiple standalone Medicare Part D plans each year. If you have Original Medicare with a Medigap plan, you’ll need a separate Part D plan to cover your prescription medications. Because Part D plans change their pricing and drug coverage annually, choosing the right plan can make a significant difference in your total healthcare costs.

Finding the Right Part D Plan

The “best” Part D plan isn’t always the one with the lowest monthly premium — it’s the plan that covers YOUR specific medications at the lowest total annual cost. A $0 premium plan can sometimes cost hundreds more in copays if your prescriptions fall into higher tiers.

I'll Help You Compare:

Which plans cover all your current prescriptions
What tier your medications fall into (generic vs. brand-name)
Your total annual cost (premium + deductible + copays)
Which pharmacies are preferred (CVS, Walgreens, Costco, local pharmacies)
Whether you’re likely to hit the coverage gap (“donut hole”)

Important: Medicare Part D plans can change their formularies (drug lists) every year. Reviewing your plan annually helps ensure you’re still receiving the best coverage at the best value.

Bring me your current prescription list, and I’ll run a personalized Part D analysis to help you find the plan that can save you the most money.

Free Consultation

We’ll meet by phone or Zoom—whatever’s most comfortable for you. No cost, no obligation.

Understand Your Needs

I’ll ask about your doctors, prescriptions, budget, and health priorities. The more I know, the better I can help.

Compare Your Options

I’ll show you side-by-side comparisons of the plans that fit your situation—from all carriers I represent, not just one company.

Enroll with Confidence

Once you’ve chosen the right plan, I’ll handle the enrollment paperwork and make sure everything is submitted correctly.

Ongoing Support

Your coverage starts, and I remain your resource for questions, claims issues, or annual reviews. I’m here for the long haul.

How Working with Paul Barrett Works

Free Consultation

We’ll meet by phone or Zoom — whichever is most comfortable for you. There’s no cost and no obligation.

Understand Your Needs

I’ll ask about your doctors, prescriptions, budget, and health priorities. The more I understand your situation, the better I can help.

Compare Your Options

I’ll show you side-by-side comparisons of Medicare plans that fit your needs — from all the carriers I represent, not just one company.

Enroll with Confidence

Once you choose the right plan, I’ll handle the enrollment paperwork and make sure everything is submitted accurately and on time.

Ongoing Support

After your coverage begins, I remain your go-to resource for questions, claims support, and annual plan reviews. I’m here for the long term.

All of This Costs You $0

You may be wondering, “How can this be free?” It’s simple. I’m compensated by the insurance carriers when you enroll — but you pay the exact same price whether you work with me or enroll directly with a carrier. The difference? When you work with me, you get expert guidance, access to multiple carriers, and ongoing support year-round. Enrolling on your own means navigating Medicare changes without help.

Common Medicare Questions from Stone Harbor Residents

Get answers to the questions I hear most often from Medicare beneficiaries in Stone Harbor.

Which is better in Stone Harbor: Medicare Advantage or Medicare Supplement?

There’s no one-size-fits-all answer. Medicare Advantage plans often have lower monthly premiums and extra benefits, but use provider networks. Medicare Supplement (Medigap) plans offer more flexibility to see any doctor who accepts Medicare, with higher monthly premiums. The right choice depends on your doctors, health needs, and budget.

Why do plan options vary so much between Stone Harbor neighborhoods?

Medicare Advantage plans are based on ZIP code and county networks. Provider availability and carrier contracts can vary, even within Cape May County, which is why plan choices and benefits may differ.

Is my doctor or hospital in-network on Medicare Advantage in Stone Harbor?

That depends on the specific plan. I always verify whether your doctors, specialists, and local hospitals are in-network before you enroll, so there are no surprises later.

Does Medicare cover the shingles vaccine?

Yes. The shingles vaccine is covered under Medicare Part D. Coverage and out-of-pocket costs can vary by plan, which is why reviewing your Part D coverage is important.

What do Medicare Part A and Part B cost in 2026?

Most people pay no premium for Part A if they’ve worked long enough. Part B has a monthly premium set by Medicare each year, along with deductibles and coinsurance. I’ll explain current costs and how they affect your overall plan choice.

Do you help all areas of Stone Harbor?

If you mean Medicare Advantage plan coverage in Stone Harbor, NJ, coverage depends on the specific plan and insurer — not all plans cover every ZIP code or area, so you’ll need to check your plan’s service area to be sure.

Can I switch Medicare plans if I’m not happy in Stone Harbor?

Yes. You can change plans during the Annual Enrollment Period (October 15 – December 7) and, in some cases, during other qualifying enrollment periods. I’ll help you understand when and how changes can be made.

Which Medicare Advantage plans work best with Stone Harbor’s local hospitals?

That depends on the carrier and plan network. I help match plans that include local hospitals and providers commonly used by Stone Harbor residents.

What Stone Harbor Clients Say

Real stories from real people who found the right Medicare coverage with Paul’s help.

“I was turning 65 and felt completely overwhelmed.”

“I live in Stone Harbor and had no idea where to start with Medicare. Between Advantage plans, supplements, and drug coverage, it all felt confusing. Paul took the time to explain everything clearly and never rushed me. He reviewed my doctors, medications, and budget, then showed me a few options that actually made sense.

What I appreciated most was that I never felt pressured. I felt confident in my decision and knew exactly what I was enrolling in. I highly recommend working with him if you want honest, local Medicare help.”

— Robert L.

Stone Harbor, NJ

“Switching plans was easier than I expected.”

“I was already on Medicare but unhappy with my coverage and rising costs. Paul reviewed my current plan, explained what wasn’t working, and showed me better options available here in Cape May County. He checked my prescriptions, made sure my doctors were covered, and handled all the paperwork.

The entire process was smooth and stress-free. I now have better coverage and lower out-of-pocket costs. It’s a huge relief knowing I have someone local I can call anytime I have questions.”

— Susan M.

Stone Harbor, NJ

About Paul Barrett – Your Stone Harbor Medicare Expert

18+ Years

Experience

I’ve been helping people navigate Medicare since 2007—that’s 18 years of keeping up with constant changes, new plans, and evolving regulations. Over that time, I’ve personally assisted more than 5,000 Medicare beneficiaries find coverage that works for their health and budget.

What sets me apart? I don’t work for any single insurance company. I’m an independent broker representing 10+ Medicare Advantage carriers and 12+ Medigap carriers. This means I can give you truly unbiased advice. My loyalty is to you—not to hitting sales quotas for a corporate office.

I believe in education over sales pressure. My job isn’t to convince you to buy something you don’t need. My job is to help you understand your options so you can make an informed decision. Some clients work with me for 15 minutes and know exactly what they want. Others need multiple conversations to feel confident. Either way is fine—I’m here to serve you at your pace.

When you work with me, you’re not just getting an agent for enrollment season. I’m available year-round to help with claims issues, coverage questions, and annual reviews. Medicare can be confusing, and having someone in your corner makes all the difference.

— Paul Barrett

The Modern Medicare Agency

Compare Medicare Advantage Plans & Medigap Options from Multiple Top-Rated Carriers — All in One Place

Schedule Your Free Consultation

New to Medicare in Stone Harbor? Already Enrolled? Turning 65? I’m Here to Help.