.png)
Independent Medicare Brokers Serving All of New Jersey
Get personalized guidance on Medicare Supplements, Medicare Enrollment, Medicare Advantage, and Medicare Part D from one of the highest-rated independent Medicare insurance broker office in NJ. We have helped 4,903 NJ residents and our time and expertise come at no-cost to you!
Call 848-226-6897 to schedule your appointment with one of our trusted licensed insurance brokers. We promise we will not spam you if you call.
Why New Jersey Trusts NJ Life and Health
With over 775 five-star reviews on Google, we are proud to be one of the highest-rated Medicare brokerages in the state of NJ! Our independent status means we don't work for the insurance companies. We work for you! Whether you are in North, Central or South Jersey, our team provides the help and information you need to navigate the complex 2026 New Jersey Medicare landscape.
How NJ Life and Health Brokers Help You
We don’t just set you up with a Medicare plan, we help you choose the plan that’s best for you by guiding you through every stage of your Medicare journey. We will show you all of your Medicare options, all at no cost to you.
Here is how our brokers can help you:
1. Medicare Education
Before looking at plans, we sit down to explain the "ABC’s" of Medicare in clear and direct language so that you understand how the system works. We help you learn the basics of Medicare, if you should take Medicare now or delay it, and we help you compare all options so you can choose a plan that's right for you.
We also host No-Cost Medicare Educational Seminars across New Jersey where you can learn the basics in a no-pressure group setting.
2. Timing Your Medicare Enrollment
The government paperwork associated with Medicare can feel overwhelming, especially with the risk of potential lifetime penalties and coverage gaps. Our goal is to help you strategically time your enrollment to minimize the risk of a gap in your health insurance. If you’re planning to keep working past 65, we can help you analyze your employer’s coverage to determine if you may be able to safely delay Medicare and potentially save on monthly premiums.
3. Medicare Secondary Plan Comparisons
Should you choose a Medicare Supplement (Medigap) plan, a Medicare Advantage plan, a plan from your employer, or something else? We help you navigate this choice by providing a personalized analysis of your preferred doctors, current medications, budget and any other relevant information. Since we are independent brokers, we work with multiple carriers and plans, allowing us to help you explore options that align with your specific needs.
4. Year-Round Local Support
Our commitment to you doesn’t end when your ID card arrives in the mail. If you get a confusing bill, have questions about a claim, or need a refresher on your plan, you can call our local office first. We have a team of on-site customer service representatives right here in New Jersey who can hopefully answer your questions before you have to call a national 1-800 number. They are available year-round to give you personal assistance and are dedicated to making your Medicare experience as smooth as possible.
5. Lifelong Relationship
Our goal is to build a lifelong partnership with you. As your needs evolve and the Medicare landscape shifts, we remain by your side to help you navigate any changes. Whether you’re moving, changing your prescriptions, or simply looking for a plan that better aligns with your current health needs, we are here to provide the continuous support you deserve.
Independent Broker vs Captive Agent
You may have noticed that when you search for Medicare help in New Jersey, you come across two similar, but very different terms: insurance brokers and insurance agents.
An independent insurance broker contracts with multiple insurance carriers, allowing them to guide you across multiple options, to find the one that best suits your needs. For example, NJ Life and Health currently works with over 10 different insurance carriers here in New Jersey. These includes companies you know such as Horizon BCBSNJ, Aetna, Mutual of Omaha, and many more!
An insurance agent likely only works with one insurance carrier, and so is ‘captive’ to promoting that one particular carrier, potentially limiting their ability to guide you. Since they are employees of one brand, they can only show you plans from that single company. Even if another plan in New Jersey fits your needs better or costs less they aren't able to offer it to you. Their primary goal is to represent their company's interests, not necessarily to shop the market for you the way we can.
Proudly Serving Every County in New Jersey
We provide localized and personalized Medicare guidance for residents throughout the Garden State. Whether you are looking for a broker in North, Central, or South Jersey, our team has the local knowledge you need.
Call 848-226-6897 to speak with one of our licensed insurance brokers over the phone, via video conference software like Zoom or Teams, in our Toms River, NJ office, or at your own home if your circumstances don't allow for you to come to our office or participate in online meetings.
2026 NJ Medicare Video Guide
Our own Ken Connolly made a video to help you navigate Medicare in NJ in 2026.
We maintain a Better Business Bureau A+ rating
We are a proud member of the New Jersey Chamber of Commerce
We are a proud member of the New Jersey Chapter of NABIP