Joe Medicare

Joe Pearson AKA Joe Medicare is an independent insurance broker. He works with people that are going on, or already on Medicare and works diligently comparing the various plan options whether it is Medicare Supplement Part D or Medicare Advantage plans.

Joe’s agency works with the leading Insurance carriers to find the right fit for each client. His position as an independent broker and experience specializing in this field give him the unique ability to help others choose the options that best fits their individual needs.

Unlike a captive, or direct insurance company who only offers their own proprietary products, our agency is 100% independent of any one company. Many insurance consumers don’t fully understand just how important that really is.

When it comes to something as important as insurance, it’s imperative that you work with an agency who has an in-depth knowledge of multiple insurance products, companies, and guidelines — not just one.

Are You New To Medicare?

Not Sure Where to Begin?

As a new Medicare beneficiary, you have important decisions to make about the future of your healthcare. Unfortunately, understanding the “ins-and-outs” and selecting the right plan can be challenging.

Start by enrolling in our virtual course where you’ll learn the important basics and then for more in-depth information, read through the content of this site and connect with one of our licensed and certified agents in your local area for free assistance.

Begin by Enrolling in Our Medicare Essentials Video Quick-Course:

This video tutorial covers the basic elements of Medicare in a format that is easy to understand and you can watch it from the comfort of your home! It’s yours at no cost and no obligation, just tell us where we should send it!

By submitting this information, you acknowledge a licensed insurance agent may contact you by phone, email, or mail to discuss Medicare Advantage Plans, Medicare Supplement Insurance, or Prescription Drug Plans.
Medicare Resources

What You Need to Know

From Dollars to “Donuts”…

Getting Started

Answers to common questions such as: When should you enroll?  How and when do you become eligible for Medicare?

Enrollment Periods

After your initial enrollment, Medicare allows you to make changes to your coverage at specific times each year. Here are those dates.

Defining the ABC’s

Medicare consists of Parts A, B, C, and D.   Step one is to learn the “ABC’s”, how they work, and your options with each part.

Medicare Part D

Medicare’s Part D is coverage for your medication needs and is provided by private insurance carriers. We’ll explain exactly how it works.

Advantage Plans

Medicare Advantage Plans are provided by private insurance companies and can often save you money.

Medicare’s “Donut Hole”

Medicare Advantage Plans are provided by private insurance companies and can often save you money.

Special Needs Plans

Medicare Advantage Plans are provided by private insurance companies and can often save you money.

Supplement Plans

Insurance sold by private insurance companies to cover Medicare’s gaps.  Also called “MediGap” plans.

Get Free and Friendly
Medicare Help Now

Our licensed agents offer Medicare enrollment
assistance at no cost and no obligation!
  • Review your current benefits
  • Explore additional benefits
  • Explain your coverage options
  • To speak with a licensed agent,
    call (732) 658-2525
  • joe@joemedicare.com

Frequently Asked Questions

How do I apply for Medicare?

The easiest way to apply for Original Medicare is via the Social Security website.  There is a quick Medicare application that should take you no longer than 10 minutes. Just visit here.

How do I apply for a Medicare Advantage or Supplement Plan?

Medicare Advantage and Supplement Plans are offered through private insurance companies. Our friendly agents can help you to find a program that meets your needs and budget. Remember, there is no cost to use our service.  Simply call (732) 658-2525 to speak with a licensed agent.

Can I apply for Medicare in person?

Yes you can, but you’ll need to go to a local Social Security office to apply in person. If you’d like to apply for an Advantage or Supplement Plan in person, simply contact our office and request an appointment. Please note, you’ll need to apply for Original Medicare before you can enroll in an Advantage or Supplement Plan.

Can I get assistance applying for Medicare?

Absolutely! Contact our office at (732) 658-2525 and one of our licensed agents will be happy to walk you through the enrollment process.

When should I apply for Medicare?

You have a 7-month window to apply for Original Medicare: during the 3 months prior to your 65th birthday month, the month of your birthday, and the 3 months after your 65th birthday.

What if I missed my Initial Enrollment Period?

You missed your 7-month window for enrolling in Medicare, your next opportunity to enroll in Part A and Part B will be during the General Enrollment Period, January 1-March 31. Coverage will then become effective July 1.

Are there penalties for enrolling late?

Yes! If you do not enroll in Part B coverage during your Initial Enrollment Period, you could be subject to premium penalties for as long as you have Medicare coverage.

When do I get my Medicare card?

You’ll typically receive your Medicare card approximately 3 weeks after you apply.