Michael Martin is an Independent Medicare Insurance Broker Licensed in PA & NJ.
“My only goal is to help educate and protect the seniors who live in our area with their Medicare”
Michael E Martin, Licensed Broker
Schedule an Appointment to Discuss Your Medicare Options
Medicare Guidance, At No Cost To You!
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Free Policy Service For Life
I Share My Knowledge
Independent Medicare Insurance Broker
As one of Greater Philadelphia’s premier independent Medicare insurance brokers, my mission is to provide you with the information you need to make an informed decision about your Medicare.
If you are new to Medicare by just turning 65 or simply new to Medicare Part B, or if you have an existing Medicare plan and due to recent changes want to know if it’s still the right plan for you, I can help.
Call me today at 609-509-0272 or reserve a meeting on this website to request a free Medicare review. My services are free to you, the consumer.
Greater Philadelphia’s Premier Medicare Broker
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Don’t wait for important Medicare information
Get your Medicare information faster by getting your “Medicare & You” handbook and Medicare Summary Notices (MSNs) electronically
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Sign up for Part B only
Part B helps pay for your basic healthcare services. If you already have Part A, you can add Part B during specific enrollment periods.
It's important to sign up promptly to avoid gaps in coverage or late enrollment penalties. Your coverage generally begins the first day of the month after you sign up.
When you're ending an employer group health plan
If you’ve been covered by an active employer group health plan (either yours or your spouse's) since turning 65, and it ended within the last 8 months, you can enroll in Part B without any penalty. This is considered a “Special Enrollment Period.” See exactly when to sign up.
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Are you age 65 and older?
Need prescription help?
With or without Medicare Part D?Pennsylvania’s prescription assistance programs for older adults, PACE and PACENET, offer low-cost prescription medication to qualified residents, age 65 and older.
Based on a 30-day supply:
PACE : $6 Generic and $9 Brand
PACENET: $8 Generic and $15 Brand
A significant number of cardholders pay less than the PACE/PACENET copays - in some cases $0.You can be enrolled in PACE and PACENET even if you have health insurance or another prescription plan.
PACE and PACENET works with:
Medicare Part D Plans
Retiree/Union Coverage
Employer Plans
Veterans Benefits
PACE and PACENET may help you pay your Medicare Part D premium, including the full Late Enrollment Penalty (LEP), and offer low prescription copays.
INCOME LIMITS:
PACE: $14,500 or less (Single) $17,700 or less (Married)
PACENET: $14,501 to $33,500 (Single) $17,701 to $41,500 (Married)
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Pharmaceutical Assistance to the Aged & Disabled (PAAD)
The Pharmaceutical Assistance to the Aged and Disabled (PAAD) program is a state-funded program that helps eligible older adults and individuals with disabilities save money on their prescription drug costs.
PAAD provides coverage for prescribed legend drugs, insulin and insulin supplies, and needled and syringes for injectable medicines used for the treatment of multiple sclerosis.
The PAAD co-payment will be $5 for each PAAD covered generic drug prescription and $7 for each PAAD covered brand name drug prescription. PAAD beneficiaries may pay less for generic drugs if their Medicare prescription drug plan charges them less than the $5 PAAD co-payment for generics.
PAAD does not pay for diabetic testing supplies (e.g., test strips and lancets). If PAAD beneficiaries have health insurance coverage, such as Medicare Part B that pays for diabetic testing supplies a pharmacy must bill that
insurance plan. PAAD will not pay for them.You may be eligible for PAAD if you meet the following requirements:
You are a New Jersey resident;
You are age 65 or older or between ages 18 and 64 and receiving Social Security Title II Disability benefits; and
Your income for 2024 is less than $52,142 if single or less than $59,209 if married.
Medicare-eligible PAAD beneficiaries are also required to enroll in a Medicare Part D Prescription Drug Plan. PAAD will pay the monthly premium for certain standard basic Part D plans with a monthly premium at or below the regional benchmark. These plans will cover medically necessary prescription medications under Medicare Part D. If a beneficiary self-enrolls in an enhanced plan at or below the regional benchmark premium amount, PAAD will pay the premium as long as the plan agrees to follow all the billing requirements.
The federal Medicare Plan and/or PAAD will pay any costs above the PAAD copayment of $5 for each covered generic drug or $7 for each covered brand name drug, including premiums. However, if a Medicare Part D plan does not pay for a medication because the drug is not on its formulary, PAAD beneficiaries will have to switch to a drug on their Part D plan's formulary, or their doctor will have to request an exception due to medical necessity directly to their Part D plan. Medicare Advantage participants must add a prescription benefit to their coverage, and PAAD will contribute up to the regional benchmark amount towards the prescription portion of their total premium.
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If you have SilverSneakers included in your Medicare Advantage Plan, you get all of the location access, SilverSneakers classes, on-demand videos, and perks of membership at no additional cost.
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Follow this path if you're going to get retirement or disability benefits from Social Security at least 4 months before you turn 65.
You’ll get Medicare Part A (Hospital Insurance) and Part B (Medical Insurance) automatically when you turn 65. You’ll still need to make important decisions about your coverage, like whether you need to add drug coverage. That’s when you can call us.