Medicare Made Simple for Long Island Seniors
Personalized Medicare guidance you can trust. Find the right plan for your health and budget.
Nassau & Suffolk Counties' Trusted Medicare Expert
- Licensed in NY for 15+ Years
- 1,000+ Long Island Families Helped
- Free In-Home Consultations
We Understand Long Island's Unique Medicare Landscape
Living on Long Island comes with unique healthcare and lifestyle challenges — and we’ve built our approach around helping you navigate them with confidence.
High Cost of Living
We know every dollar counts. Our goal is to help you maximize your Medicare benefits while minimizing out-of-pocket expenses — finding plans that deliver great value without breaking your budget.
Specialist & Hospital Access
Long Islanders deserve access to top medical care. We make sure your coverage includes the area’s most trusted hospital networks — from Northwell Health and NYU Langone to Stony Brook Medicine and Catholic Health.
Snowbird-Friendly Coverage
Many Long Islanders spend part of the year in Florida or other warm destinations. We help you find plans that travel with you, so you’re protected whether you’re in Port Washington or West Palm Beach.
Community-Rated Pricing
New York’s community rating system means your Medigap premiums don’t increase with age — a huge advantage for retirees who want predictable costs and long-term stability.
What Your Long Island Neighbors Are Saying
“Paul made the switch from my employer plan to Medicare completely stress-free. He came to my home in Huntington, explained everything clearly, and found a plan that saved me $200/month.”
— Barbara M., Huntington
“After my Cigna plan was cancelled, Paul had me enrolled in a better Aetna plan within 48 hours. He knows Long Island providers and made sure my doctors were covered.”
— Robert S., Syosset
Why Long Island Medicare Is Different
Hospital Networks Matter
We ensure your plan covers Northwell Health, Catholic Health Services, NYU Langone, Stony Brook Medicine
Local Doctors
We verify your current physicians are in-network before you enroll
NY State Rules
Community-rated supplements, unique EPIC program, Medicaid nuances
In-Person Service
Free consultations at your kitchen table, not a call center
Serving All of Nassau & Suffolk Counties
- We proudly serve communities across Long Island, including:
- Huntington
- Farmingdale
- Melville
- Freeport
- Amityville
- Hempstead
- Bethpage
- Plainview
- Massapequa
- Patchogue
- Northport
- Babylon
- Ridge
- And more...
How We Help You
Expert guidance on all your Medicare needs
Medicare Advantage
All-in-one plans combining hospital, medical, and often prescription coverage with extra benefits.
Medicare Supplement
Fill the gaps in Original Medicare with predictable costs and nationwide doctor access.
Dental Insurance
Protect your smile and wallet with comprehensive dental coverage designed for seniors.
Local Agent vs. 1-800 Number: Why Local Matters
Choosing the right Medicare plan isn’t just about price — it’s about having someone you can trust year after year.
What You Get from a 1-800 Number
- High turnover: Most call center agents don't stay long — you'll never speak to the same person twice.
- No long-term help: Once you enroll, they move on to the next quota. Future problems? You're on your own.
- Limited options: Many national centers only represent a few carriers — meaning you don't see all your choices.
- No local insight: They don't know if your doctor is in-network at Huntington Hospital, Stony Brook, or Northwell Health.
- Quotas over clients: Agents work for the company — not for you.
What You Get from Paul Barrett & Modern Medicare Agency
- Trusted Local Expertise: Paul knows Long Island's doctors, hospitals, and provider networks — and the updates that call centers miss.
- Independent & Unbiased: We represent dozens of top carriers — not just a few.
- Personal Service for Life: Once you're a client, you're part of the family. We're here every year to review your plan and help with claims or changes.
- Free Local Appointments: Meet in person or at your home anywhere in Nassau or Suffolk.
- Direct Access: Call or text Paul — no call queue, no hold music.
📞 (631) 358-5793 | 🌐 www.paulbinsurance.com
Local. Reliable. Independent.
Common Medicare Questions from Local Long Islanders
Medicare itself is a national program, but plan availability and costs can vary by ZIP code. Here on Long Island, seniors often have access to more than 50 Medicare Advantage and Supplement options, each with different networks and premiums. Hospitals like Stony Brook, Northwell, NYU Langone, and Mount Sinai South Nassau are major factors in determining which plans fit best.
Yes — but it depends on your plan.
- Many local Medicare Advantage PPO plans, such as those from Aetna, Humana, UnitedHealthcare, and Empire BCBS, let you see doctors both in and out of the network.
- However, HMO plans require you to stay in-network — so it’s always smart to confirm your primary care doctor and specialists before enrolling.
Among Medicare Supplement options, the most common choices for Long Island seniors are Plan G and High Deductible Plan G. Both offer predictable coverage and the freedom to see any Medicare-approved provider nationwide — no networks or referrals required.
For Medicare Advantage coverage, Aetna Enhanced PPO plans have become the most popular on Long Island, thanks to their large provider network, strong hospital access (including Northwell and Stony Brook), and excellent customer service.
Network access is everything. Some Advantage plans may exclude certain hospital systems or have different tiers for preferred vs. standard hospitals. For example, a plan may include Northwell Health but not Stony Brook University Hospital, or vice versa. Working with a local Medicare broker ensures you know which plans truly cover the providers you trust most.
Every year during the Annual Enrollment Period (October 15 – December 7), you can review and switch plans. Many Long Island seniors find that premiums and provider networks change yearly, so it’s wise to schedule a local Medicare review even if you’re happy with your plan.
Because local expertise matters. We live and work right here on Long Island, so we understand which doctors, hospitals, and networks serve our community best. Unlike call centers, we represent dozens of carriers and work only for you — not the insurance companies.
Meet Paul Barrett — Your Local Medicare Expert
With nearly two decades of experience, Paul has helped thousands of Long Island seniors understand their Medicare options and choose coverage that fits their health and budget.
He built Modern Medicare Agency on one simple belief: Medicare should be personal.
Paul takes the time to listen, explain, and simplify — not sell. His local knowledge of Nassau and Suffolk County hospitals, doctors, and plan networks gives his clients a major advantage over national call centers.
- Based in Melville, NY | Serving all of Nassau & Suffolk Counties
