Compare Medicare Advantage Plans & Medigap Options from Multiple Top-Rated Carriers — All in One Place
- Serving Long Port
- Free Medicare Consultation
- Phone & Zoom Available
- Trusted Local Guidance
Schedule Your Free Consultation
New to Medicare in Long Port? Already Enrolled? Turning 65? I’m Here to Help.
I proudly help every type of Medicare consumer in the Long Port area:
Turning 65
First-time enrollment, deadlines, penalties, and choosing the right plan
Still working past 65
Coordinating Medicare with employer coverage
Retiring after 65
Avoiding gaps, penalties, and costly mistakes
Already on Medicare
Annual reviews, plan comparisons, and network checks
Under 65 with disability
Specialized Medicare eligibility and options
Caregivers & family members
Helping loved ones understand coverage and choices
Turning 65
First-time enrollment, deadlines, penalties, and choosing the right plan
Still working past 65
Coordinating Medicare with employer insurance
Retiring after 65
Avoiding gaps and costly mistakes
Already on Medicare
Annual reviews, cost comparisons, network checks
Under 65 with disability
Specialized support and plan options
Caregivers & family members
Help understanding benefits and coverage changes
Why Long Port Residents Choose Paul Barrett for Medicare
Unmatched Carrier Access
As an independent Medicare agent, I’m not tied to one insurance company. I compare Medicare Advantage and Medigap plans from multiple carriers to find coverage that fits your doctors, prescriptions, and budget — not sales quotas.
Education-First Approach
Medicare can be confusing. I focus on clear, simple explanations so you understand your options, costs, and benefits before making any decision — with zero pressure.
Year-Round Support
My service doesn’t end after enrollment. I’m available year-round to help with plan questions, coverage changes, and annual reviews — not just during enrollment periods.
Local Long Port Medicare Expert
I work with Medicare beneficiaries throughout Long Port and Atlantic County. Phone and Zoom appointments make it easy to get trusted local Medicare guidance from the comfort of your home.
Medicare Advantage Plans in Long Port, NJ
I Represent These Top Medicare Advantage Carriers Serving Long Port:
UnitedHealthcare
One of the largest Medicare providers with broad network access.
Horizon Blue Cross
Strong statewide provider networks with local hospital access.
Aetna
Competitive plan options with flexible benefits.
Humana
Wide range of plans designed to fit different healthcare needs.
Wellcare
Affordable plans with prescription drug coverage and added benefits.
Cigna Healthcare
Coordinated care focus with strong provider partnerships.
Molina Healthcare
Plans designed to support diverse healthcare needs.
AmeriHealth
Regional coverage with established New Jersey networks.
Clover Health
Technology-driven plans focused on preventative care.
+ Additional carriers
More Medicare Advantage options available based on your ZIP code and eligibility.
Why So Many Plan Choices Matter
Not all Medicare Advantage plans are the same. Some plans may look attractive with low or $0 premiums, but they can come with restricted doctor networks, higher copays, or unexpected out-of-pocket costs when you actually need care.
Others may cost slightly more each month but provide better access to doctors, hospitals, and prescriptions, potentially saving you money long-term.
Are your doctors and specialists included in the plan’s network?
Which hospitals are in-network (NJ Sweet Home Health, South Collective Counseling, Ocean City Family Practice, Brighter space Mental Healthcare, etc.)?
What are the real out-of-pocket costs (copays, coinsurance, maximum limits)?
Are your prescriptions covered, and at what cost tier?
Which extra benefits actually matter to you (dental, vision, hearing, OTC allowances)?
How strong is the carrier’s customer service and claims support reputation?
Overwhelmed by Choices?
Medicare Supplement Plans in Long Port, NJ
Long Port Medigap Carriers I Represent:
Long Port Unique Medigap Advantages
Understanding Medigap Pricing in New Jersey
- Community-Rated (most common in NJ): Everyone pays the same premium regardless of age
- Issue-Age Rated: Your rate is based on your age when you first enroll and doesn’t increase just because you get older
- Attained-Age Rated: Premiums are based on your current age and may increase over time
Guaranteed Issue Protections
- New Jersey provides strong consumer protections. During your Initial Enrollment Period and certain qualifying situations, you can enroll in a Medigap plan without medical underwriting, even if you have pre-existing conditions.
Important: Even with consumer protections, premiums can still rise due to inflation and healthcare costs. That’s why I focus on carriers with a strong history of rate stability—not just the lowest starting price.
Most Popular Medigap Plans for Long Port Residents
Plan G
Plan G is the most popular Medicare Supplement option for New Jersey residents who want predictable healthcare costs. After you meet the annual Medicare Part B deductible, Plan G covers nearly all remaining Medicare-approved expenses — with no copays and no coinsurance surprises.
Best for: Those who value maximum coverage and peace of mind with stable, predictable costs.
High Deductible Plan G
Lower Premium Savings
This option provides the same coverage as standard Plan G, but with a higher annual deductible. Once the deductible is met, the plan pays 100% of covered Medicare costs. It’s a smart choice for healthy individuals who want strong protection at a lower monthly premium.
Best for: Those comfortable with higher upfront costs in exchange for lower monthly premiums.
Plan N
Balanced Coverage Option
Plan N offers lower premiums than Plan G, with modest copays for certain office visits and emergency room visits. It’s a good middle-ground option for people who don’t mind small out-of-pocket costs while still maintaining solid coverage.
Best for: Those looking to balance monthly savings with dependable coverage.
Want to See Actual Rates?
Medicare Part D Prescription Drug Plans in Long Port, NJ
Finding the Right Part D Plan
The “best” Part D plan isn’t always the one with the lowest monthly premium. The right plan is the one that covers your specific medications at the lowest total annual cost. A plan with a $0 premium can sometimes cost significantly more if your prescriptions fall into higher cost tiers.
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I'll Help You Compare:
- Which plans cover all your current prescriptions
- What tier your medications fall into (generic vs. brand name)
- Total yearly cost (premium + deductible + copays)
- Which pharmacies are preferred near Long Port and Cape May County
- Whether you’re likely to reach the coverage gap (“donut hole”)
Important: Part D formularies (drug lists) can change every year. Reviewing your plan annually helps ensure you’re still getting the best value for your medications.
Bring your prescription list, and I’ll run a personalized comparison to help you find the Part D plan that saves you the most money—without surprises.
Free Consultation
Understand Your Needs
Compare Your Options
Enroll with Confidence
Ongoing Support
How Working with Paul Barrett Works
Free Consultation
We’ll connect by phone or Zoom—whichever is easiest for you. There’s no cost, no pressure, and no obligation. This first conversation is simply about understanding your situation.
Understand Your Needs
I’ll ask about your doctors, prescriptions, budget, and healthcare priorities. The better I understand your needs, the better I can guide you toward the right Medicare options.
Compare Your Options
I’ll walk you through clear, side-by-side comparisons of plans that fit your situation—from all the carriers I represent, not just one company.
Enroll with Confidence
Once you choose the right plan, I’ll handle the enrollment process and paperwork to make sure everything is completed correctly and on time.
Ongoing Support
Your coverage begins, and I remain your local Medicare resource for questions, claims help, plan reviews, and future changes—year after year.
All of This Costs You $0
Common Medicare Questions from Long Port Residents
Get answers to the questions I hear most often from Medicare beneficiaries in Long Port
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.
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.
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.
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.
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.
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.
Important Deadlines
Turning 65?
You have a 7-month enrollment window — starting 3 months before your birthday month, including your birthday month, and ending 3 months after. Enrolling on time helps you avoid late penalties and coverage gaps.
Annual Enrollment Period
October 15 – December 7 This is when you can review and change your Medicare Advantage or Part D prescription drug plan for coverage starting January 1.
Medicare Advantage OEP
January 1 – March 31 If you’re already enrolled in a Medicare Advantage plan, this period allows you to switch plans or return to Original Medicare if your current coverage isn’t the right fit.
What Long Port Clients Say
— Robert L.
Long Port, NJ
— Susan M.
About Paul Barrett – Your Long Port Medicare Expert
18+ Years
18+
Years Experience
5,000+
Clients Served
10+
MA Carriers
12+
Medigap Carriers
