Golden Years Design Benefits, the premier Medigap and Medicare insurance agency in Freehold, NJ, is dedicated to helping you acquire the health care coverage and Part D plan prescription drug coverage you need to stay happy and healthy—well into your golden years. They offer numerous products from multiple insurance carriers to better benefit each customer. And they have the experience and expertise necessary to guide you through the confusing Medicare enrollment process and help you understand the difference between Medicare Supplement/Medigap, the Part D Program and Medicare Advantage Plans. They will shop the most competitive plans for you.

Golden Years Design Benefits can help you choose an appropriate Medicare supplement policy to cover the gaps in original medicare, such as Part A Hospital costs and Part B medical outpatient costs. Medicare supplements offer plans like Plan F that have no co-pays or deductibles. Medicare Supplement/Medigap do not have a doctor network and do not require referrals or pre-authorizations. Another solution might be Medicare Advantage Plans, with low copays, deductibles, and zero dollar premiums in some areas, and might include Medicare Part D, Medicare's prescription drug program, which covers generic and name brand pharmaceuticals.

In addition, they can recommend other types of financial programs to seniors. For instance, you may want long-term care coverage, or annuities with critical illness and Long Term Care riders, which protects those who develop a chronic illness or disabilities. Also available are cancer care policies to offset the additional costs not covered by Medical insurance.  If you have dependents or existing mortgage or debt obligations, life insurance becomes an important consideration. The experts at Golden Years Design Benefits can walk you through your options—such as final expense, term life, or whole life insurance—and answer any questions you have.

Their guiding principle is to take the confusion out of Medicare and to help clients understand what is available, what it costs, and what makes sense for their future financial goals and estate planning requirements. They will guide you through the enrollment process with a clearer understanding how these plans work, making sure you avoid any penalties. They will do an annual review to make sure your drugs are always covered and you’re not paying too much for your current Medicare Supplement/Medigap plan. They will shop to reduce costs whenever possible and there is never a fee for services.

Golden Years Design Benefits is the most trusted and experienced Medicare broker in Freehold, NJ. Serving Monmouth, Mercer, and Ocean Counties, they also offer Medicare coverage in 21 states nationwide, offering impeccable customer service and high-quality insurance products from reputable providers. For your convenience, you can request a free quote directly from their website, or call (732) 526-7659 to speak to an informed expert about your Medicare needs.