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.

Farmingdale Medicare Agent – Trusted Local Medicare Help

Compare Medicare Advantage & Medigap Plans from Leading Carriers — All in One Simple Review

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Schedule Your Free Consultation

New to Medicare in Farmingdale? 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 the Annual Enrollment Period ending December 7th, now is the time to make sure you’re in the right plan for 2026.

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

Turning 65

First-time Medicare enrollment, important deadlines, penalty avoidance, and choosing the right plan

Still working past 65

Coordinating Medicare with employer-sponsored health insurance

Retiring after 65

Avoiding coverage gaps and costly enrollment mistakes

Already on Medicare

Annual plan reviews, cost comparisons, and provider network checks

Under 65 with disability

Specialized Medicare support and plan options

Caregivers & family members

Clear guidance to help you understand benefits and coverage changes

Why Farmingdale Residents Choose Paul Barrett for Medicare

Medicare Advantage Plans in Farmingdale, NY

Farmingdale residents have access to a wide range of Medicare Advantage (Part C) plans offered by several insurance carriers across New York. These plans combine Medicare Part A (hospital) and Part B (medical) coverage, and many include prescription drug coverage (Part D) along with added benefits such as dental, vision, and hearing. Choosing the right Medicare Advantage plan in Farmingdale depends on your doctors, medications, preferred hospitals, and total out-of-pocket costs — not just the monthly premium.

I Represent These Top Medicare Advantage Carriers Serving Farmingdale:

Why So Many Plan Choices Matter

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

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

Overwhelmed by Choices?

Let me do the heavy lifting. I’ll compare all 50+ plans based on YOUR doctors, prescriptions, and budget—then present you with the top 2-3 options that make sense for your situation.

Medicare Supplement Plans in Farmingdale, NY

Prefer the freedom to see any doctor or specialist nationwide who accepts Medicare—no networks or referrals required? A Medicare Supplement (Medigap) plan may be the right fit. New York offers standardized Medigap plans, and I work with 12+ top carriers to help Farmingdale residents find competitive rates and dependable coverage.

Farmingdale Medigap Carriers I Represent:

UnitedHealthcare (AARP)

Anthem Blue Cross Blue Shield

EmblemHealth

Healthfirst

Aetna

WellCare

Additional Carriers

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

Farmingdale Unique Medigap Advantages

Understanding Medigap Pricing in Farmingdale

Attained-Age Rated (most common): Your premium is based on your current age and increases as you get older.
Issue-Age Rated: Your premium is set by your age when you first buy the policy and doesn't increase due to aging.
Community-Rated (least common): Everyone pays the same premium regardless of age.

Guaranteed Issue Rights

Important: While age doesn’t affect Medigap pricing in New York, premiums can still change due to inflation and rising healthcare costs. That’s why I help you focus on carriers with strong rate stability and long-term value.

Medigap Plan G

Comprehensive Coverage

Plan G is the most popular Medigap option among New York Medicare beneficiaries. After you meet the annual Part B deductible, this plan covers nearly all Medicare-approved expenses — with no copays, no coinsurance, and no unexpected bills.

Best for: Those who want predictable medical costs and the highest level of coverage.

High-Deductible Medigap Plan G

Smart Savings

This plan offers the same benefits as standard Plan G but with a significantly lower monthly premium. You pay the annual deductible first, and once it’s met, Medicare-approved costs are covered at 100%.

Best for: Healthy individuals who want strong catastrophic protection while keeping monthly premiums low.

Medigap Plan N

Balanced Coverage Option

Plan N features lower premiums than Plan G, with modest cost-sharing such as office visit and emergency room copays. It’s a great middle-ground option for those comfortable with small out-of-pocket expenses.

Best for: Those looking to balance premium savings with solid nationwide 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 Farmingdalea, NY

Farmingdale residents can choose from multiple standalone Medicare Part D Prescription Drug 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 in Farmingdale, NY can make a significant difference in your total healthcare costs.

Finding the Right Part D Plan

The “best” Part D plan isn’t the one with the lowest premium—it’s the one that covers YOUR specific medications at the lowest total annual cost. A plan with a $0 premium might cost you hundreds more in copays if your drugs are on higher tiers.

I'll Help You Compare:

Whether your current prescriptions are covered in Farmingdale, NY
How your medications are classified (generic vs. brand-name tiers)
Your estimated total annual cost (premiums, deductibles, and copays)
Preferred nearby pharmacies (CVS, Walgreens, and local Farmingdale pharmacies)
If and when you may enter the Medicare Part D coverage gap (“donut hole”)

Important: Part D plans can change their formularies (drug lists) each year. It’s worth reviewing your plan annually to make sure you’re still getting the best value.

Bring me your prescription list and I’ll run a personalized analysis to find the Part D plan that saves 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 — Start With a Personalized Review

No cost, no obligation

Understand Your Needs

I ask about your doctors, medications, budget, and health priorities

Compare Your Options

I compare plans from all carriers I represent (not just one)

Enroll with Confidence

You get simple side-by-side options tailored to you

Ongoing Support

I handle enrollment paperwork and ongoing support

All of This Costs You $0

You may be wondering how this service is free. The answer is simple: I’m paid by the insurance carriers when you enroll, not by you. Your plan costs the same whether you enroll on your own or work with me. The difference is guidance. With me, you get expert help, access to multiple carriers, and ongoing support—so you’re never left figuring things out alone.

Common Medicare Questions from Farmingdale Residents

Get answers to the questions I hear most often from Medicare beneficiaries in Farmingdale

Which is better in Farmingdale: 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 Farmingdale neighborhoods?

Plan options vary by Farmingdale neighborhood because Medicare plans are based on county, ZIP code, provider networks, and local hospital participation.

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

You can check if your doctor or hospital is in-network on a Medicare Advantage plan in Farmingdale, NY by using the plan’s provider search tool or contacting the plan directly.

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 Farmingdale?

Yes — I help all areas of Farmingdale, NY, including Cold Spring Harbor, Greenlawn, South Huntington, and the surrounding communities. My Medicare services are available throughout the entire Farmingdale area and nearby towns.

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

Yes — you can switch Medicare plans if you’re not happy, but usually only during specific enrollment periods (like Open Enrollment or Special Enrollment). Outside those times, changes are limited unless you qualify for a Special Enrollment due to certain life events.

Which Medicare Advantage plans work best with Farmingdale local hospitals?

In Farmingdale, NY many of the widely available Medicare Advantage plans (like Aetna and Anthem Blue Cross plans) tend to include Northwell-affiliated providers and Farmingdale Hospital in their networks, helping ensure access to major local hospitals. However, network participation varies by specific plan, so always verify that your preferred Farmingdale area hospitals and doctors are in-network before enrolling.

What Farmingdale 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 Farmingdale and had no idea where to start with Medicare. Between Advantage plans, supplements, and prescription drug coverage, everything felt overwhelming. Paul took the time to explain each option clearly and never rushed me. He reviewed my doctors, medications, and budget, then presented a few plans that truly made sense for my situation.

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 guidance.”

— Patrick C.

Farmingdale, NY

“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 Farmingdale, NY. He checked my prescriptions, made sure my doctors were in-network, 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.”

— Mary

Farmingdale, NY

About Paul Barrett — Your Farmingdale Medicare Expert

18+ Years

Experience

I’ve been helping people navigate Medicare since 2007 — nearly two decades of staying on top of constant changes, new plans, and evolving Medicare rules. During that time, I’ve personally helped more than 5,000 Medicare beneficiaries find coverage that fits both their healthcare needs and their budget.

What makes my approach different is independence. I don’t work for any single insurance company. I represent over 10 Medicare Advantage carriers and more than 12 Medigap carriers, which allows me to provide truly unbiased guidance. My responsibility is to you — not to sales quotas or corporate targets.

I believe in education over pressure. My role isn’t to sell you something you don’t need; it’s to help you understand your Medicare options so you can make a confident, informed decision. Some clients need a quick conversation, while others prefer to review options over multiple calls. Either way, I work at your pace.

When you work with me, you’re not just getting help during enrollment. I’m available year-round to assist with claims questions, coverage changes, and annual plan reviews. Medicare is complex — and having a knowledgeable, local expert on your side makes all the difference.

— Paul Barrett

The Modern Medicare Agency

Compare Medicare Advantage & Medigap Plans from Leading Carriers — All in One Simple Review

Schedule Your Free Consultation

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