Navigating Medicare can feel overwhelming—especially for residents in states like New York (NY), New Jersey (NJ), Florida (FL), Pennsylvania (PA), and Connecticut (CT). Whether you’re approaching age 65 or helping a loved one through the process, understanding your Medicare options is essential for making smart healthcare decisions.

What Is Medicare and Who Qualifies?

Medicare is a federal health insurance program primarily for individuals 65 and older or those under 65 who qualify due to certain disabilities. Once enrolled, individuals gain access to Part A (hospital insurance) and Part B (medical insurance), also known as Original Medicare. Many beneficiaries also choose to add Part D for prescription drug coverage or enroll in a Medicare Advantage Plan (Part C) that combines coverage under one plan.

If you’re unsure whether you qualify, the general rule is that if you are nearing your 65th birthday and are a U.S. citizen (or a legal resident for five years), you’re likely eligible. For residents in NY, NJ, PA, CT, and FL, the process and qualifications remain consistent across states, although plan availability may vary by region.

When Should I Enroll in Medicare?

The best time to enroll is during your Initial Enrollment Period (IEP)—which spans three months before, the month of, and three months after your 65th birthday. For example, if you live in Florida and turn 65 in August, your IEP runs from May to November. Enrolling early ensures you avoid penalties and coverage delays.

Missed your IEP? You may qualify for Special Enrollment if you’re still working and have employer health insurance, or you can enroll during the Annual Enrollment Period (Oct 15 – Dec 7).

What Plan Is Right for You?

Choosing between Medicare Advantage and Medicare Supplement Insurance (Medigap) depends on your health, budget, and lifestyle. Medicare Advantage plans—commonly seen in larger cities like Miami, Philadelphia, or NYC—are regional, often offer low-cost or no-cost options, but can come with provider limitations. Medicare Supplements, such as Plan G, offer national coverage and minimize out-of-pocket expenses, making them popular among “snowbirds” who live in both Florida and New Jersey or New York and Florida seasonally.

Why Work With Planman Insurance?

That’s where Bruce Weinstein and Robyn Weinstein of Planman Insurance come in. It costs you nothing extra to work with them. They personalize your plan selection, help you enroll, and even handle the paperwork—making Medicare simple, stress-free, and tailored to you.

Still Working? Still Eligible.

If you're still working and have group insurance, you may delay Part B without penalty. But it’s important to assess your current plan and explore if Medicare is the smarter choice—especially if you live in a high-cost state like Connecticut or New York.

Ready to Explore Your Medicare Options?
Call Planman Insurance at 844-PLANMAN and speak with Bruce or Robyn Weinstein today. Let’s create your roadmap to smarter Medicare coverage—because peace of mind starts with the right plan.