Bhavin Parikh, Medicare Insurance Agent
Bhavin Parikh
Medicare Agent Licensed in NJ
4+ Years of Experience
Contact Details
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Location
Monroe Township, NJ
About Me
Your Trusted Medicare Guide in New Jersey
Choosing the right Medicare plan should be about what works best for you. As a licensed independent agent, my mission is to make the Medicare process simple and stress-free for New Jersey seniors.
I am not tied to any specific insurance carrier. Instead, I explore all available options from multiple companies, walking you through them side by side so you can clearly see what makes the most sense for your lifestyle and budget.
I am proud to offer free, personalized consultations in English, Gujarati, and Hindi. Whether you are just beginning to explore Medicare or want to see if a better plan is out there, I am here to help you navigate your choices with confidence.
Q&A with Bhavin Parikh
I want to get a shingles vaccine. Will Medicare cover this preventive service?
Answer: Yes, Medicare covers the shingles vaccine (Shingrix), but coverage depends entirely on which part of Medicare you have.
Original Medicare (Parts A & B alone): Not covered. Part B covers preventive shots like the flu, COVID-19, pneumococcal, and Hepatitis B vaccines, but it does not cover the shingles shot. You must have Part D or a Medicare Advantage plan that includes prescription drug coverage to get the vaccine at no cost.
Will my Medicare Part D plan cover my HIV medications, and can the plan drop them from its formulary?
Answer: Yes, your Medicare Part D plan (or Medicare Advantage plan with prescription coverage) must cover your HIV medications.
Plans review and update their formularies annually. While they must still abide by the "substantially all" rule for HIV drugs, they may shift a drug to a different cost tier (changing your copay/coinsurance) or swap equivalent treatments for the upcoming year.
Your plan is required to send you an Annual Notice of Change (ANOC) every fall detailing any tier shifts or cost changes taking effect on January 1.
What are the Medicare Part A and Part B deductibles for 2027?
Answer: Medicare Part A Deductible: Projected at $1,788 per benefit period (an increase from $1,736 in 2026).
Medicare Part B Deductible: Projected at $292 per year (an increase from $283 in 2026).
I’m on Medicare and still owe medical bills. Can they be forgiven if I’m below the poverty level, and what’s the income limit with Social Security and a small pension?
Answer: Yes, medical bills can often be written off or significantly reduced if your income is around or below the poverty level. Medical debt relief comes through hospital financial assistance (Charity Care), Medicaid, or Medicare Savings Programs (MSPs).
I just received an inheritance. Will it raise my Medicare premiums, and for how long?
Answer: Receiving an inheritance does not automatically increase your Medicare premiums. Whether your premiums rise—and for how long—depends on whether the inheritance generates taxable income.
I'm confused about preventive services under Medicare. Which screenings are actually free?
Answer: Thanks for reaching out. Under Original Medicare (Part B), preventive screenings, wellness visits, and vaccines are 100% free—meaning $0 copay and no Part B deductible—as long as your doctor accepts Medicare assignment . Please reach out if you have questions by email or phone call.