The top-rated medicare insurance agent in Somerville, New Jersey is Jason Spraggs - State Farm Insurance Agent, rated 4.9 stars across 395 reviews. Other highly rated options include Lileen Schwarz - State Farm Insurance Agent, Marine Agency Corp, Hector Rodriguez Jr: Allstate Insurance. This directory lists 14 medicare insurance agents serving Somerville.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Jason Spraggs - State Farm Insurance Agent | 30 Roosevelt Pl | (973) 396-0352 |
| 2 | Lileen Schwarz - State Farm Insurance Agent | 75-77 N Bridge St Ste 105 | (908) 864-2859 |
| 3 | Marine Agency Corp | 34 W Main St #201 | (800) 763-4775 |
| 4 | Hector Rodriguez Jr: Allstate Insurance | 892 US-22 | (908) 927-9200 |
| 5 | ReliaGuard Insurance NJ | 3272 US-22 | (908) 460-6749 |
| 6 | Safety Sure Insurance | 18 S Richards Ave | (732) 426-3481 |
| 7 | The Rice Agency | 33 W High St | (908) 722-1700 ext. 10 |
| 8 | Top Insurance NJ | 3617 US-22 | (908) 585-1649 |
| 9 | Quantum Risk Solutions | 92 E Main St #409 | — |
| 10 | Farmers Insurance Group | 30 S Doughty Ave | (856) 420-7645 |
Jason Spraggs - State Farm Insurance Agent in Somerville, Somerset County offers medicare insurance guidance to local residents. The agency assists with navigating coverage options during initial enrollment periods and annual open enrollment. Clients receive help comparing plan benefits and out-of-pocket costs for prescription drug and medical coverage. The office works with individuals to identify suitable Medicare Advantage or Medicare Supplement plans that meet their healthcare needs.
Lileen Schwarz - State Farm Insurance Agent in Somerville, New Jersey, provides a range of Medicare insurance options suited to local health coverage needs. It assists clients with understanding and navigating their Medicare plans, ensuring they maintain consistent access to necessary medical services and prescription drug benefits. Regular policy reviews and open enrollment support are key parts of its client maintenance approach. The agency works with private residences and also serves single-family homes, apartment renters, and local retail shops and restaurants throughout the Somerville area.
Marine Agency Corp serves homeowners, retirees, and individuals across Somerville, New Jersey who are navigating Medicare insurance options. The firm helps clients understand plan choices, enrollment periods, and coverage details. It provides guidance on original Medicare, Medicare Advantage, and prescription drug plans tailored to individual needs. Located to assist local residents, Marine Agency Corp also covers neighboring communities in Somerset County, including Bound Brook and Raritan.
Serving Somerville, New Jersey, and the surrounding Somerset County communities, Hector Rodriguez Jr: Allstate Insurance helps clients navigate Medicare insurance options. The office handles the various aspects of Medicare coverage, including supplemental plans and prescription drug plans, to meet individual healthcare needs. To assist clients through the process, the agency first reviews each person’s specific medical and financial situation, then carefully explains the available plan choices to ensure an informed decision.
ReliaGuard Insurance NJ in Somerville distinguishes between one-time plan comparisons and ongoing enrollment management, ensuring clients understand Medicare’s initial enrollment windows and annual open seasons. The agency explains coverage differences between Original Medicare and Medicare Advantage plans, along with Part D prescription drug options. This local medicare insurance agent assists beneficiaries with plan selections and potential cost savings without making specific guarantees. Their services are available on both a one-time consultation basis for initial enrollment decisions and an as-needed basis for future adjustments.
As winter approaches in Somerville, many residents review their healthcare needs to avoid gaps in coverage, and Safety Sure Insurance provides local guidance on Medicare plan options. This office serves as a Medicare insurance agent, helping seniors navigate the annual enrollment period and compare Part D drug plans or Advantage policies. Their walk-in and phone consultations clarify complex rules on subsidies and late enrollment penalties without pressuring a quick decision. To start, clients schedule a complimentary initial assessment to review their current coverage and eligibility requirements.
The Rice Agency specializes in guiding clients through the selection of Medicare Advantage and supplement plans in the Somerville area. It handles annual enrollment periods and prescription drug plan reviews for local beneficiaries. The agency also clarifies the differences between Original Medicare and Medicare Part C options. It assists clients during the annual Open Enrollment Period to review any changes in their current drug or medical coverage.
Top Insurance NJ assists individuals and families in making informed choices about healthcare coverage. As a dedicated Medicare insurance agency based in Somerville, NJ, they guide clients through plan comparisons and enrollments. They offer specialized expertise in Original Medicare, Medicare Advantage, Part D drug plans, and Medicare Supplement policies. Regular consultations help clarify options each annual enrollment period. The agency serves both private residences and commercial sectors like local offices, warehouses, and nearby food service establishments.
Farmers Insurance Group, based in Somerville, New Jersey, is recognized for providing personalized Medicare coverage guidance to local residents. The agency helps clients understand original Medicare, Medicare Advantage, and prescription drug plans, tailoring options to individual healthcare needs and budgets. Its agents emphasize clear explanations of enrollment periods and plan comparisons. As a specialty service, the agency also assists with Medicare Supplement insurance options to help cover out-of-pocket costs not paid by original Medicare.
What Does a a Medicare Insurance Agent in Somerville Cost?
Medicare insurance agents in New Jersey do not charge you a fee for their services. They are paid by the insurance companies whose plans they sell. Typical commissions range from zero to several hundred dollars per policy, but you pay the same premium whether you use an agent or not. Costs for Medicare plans themselves vary: Part B premiums are set by the federal government, Medicare Supplement plans in New Jersey cost between $100 and $300 per month depending on age and plan type, and Medicare Advantage plans often have $0 premiums but include copays and deductibles. This is general information, not insurance advice.
About medicare insurance agents in Somerville
Medicare insurance agents in Somerville, New Jersey help residents navigate plan options during the Annual Enrollment Period and Special Enrollment Periods. New Jersey law requires agents to be licensed by the state Department of Banking and Insurance. These agents can explain Medicare Supplement plans, Part D drug coverage, and Medicare Advantage plans available in Somerset County.
Frequently Asked Questions
What is the role of a Medicare insurance agent in Somerville?
A Medicare insurance agent in Somerville helps you compare plans from different carriers. They explain coverage details, costs, and network restrictions. They do not charge you directly because they receive commissions from insurance companies.
When can I enroll in Medicare plans in New Jersey?
The Initial Enrollment Period starts three months before your 65th birthday and ends three months after. The Annual Enrollment Period runs from October 15 to December 7 each year. New Jersey also has a Special Enrollment Period for certain life events like moving or losing employer coverage.
Are Medicare insurance agents in Somerville licensed by the state?
Yes. All Medicare insurance agents in New Jersey must hold a valid insurance license from the New Jersey Department of Banking and Insurance. You can verify an agents license on the NJDOBI website before working with them.
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