Brian Krantz, Medicare Insurance Agent
Brian Krantz
Plan Medicare
Medicare Agent Licensed in NJ, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV and WY
16+ Years of Experience
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Orange, NJ
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About Me
Brian Krantz is the Founder and President of Plan Medicare and a licensed Medicare advisor with more than 15 years of experience helping people make confident, informed Medicare decisions.
Brian started Plan Medicare because he saw how confusing and overwhelming Medicare can be for individuals, families, retirees, and professionals trying to make the right coverage choices. His goal has always been to make the process easier, clearer, and more personal.
Licensed in all 50 states, Brian has helped thousands of Medicare beneficiaries compare Medicare Supplement plans, Medicare Advantage plans, Medicare Part D prescription drug plans, and additional health insurance options. He works closely with each client to understand their doctors, prescriptions, budget, location, lifestyle, and long-term healthcare needs before helping them choose a plan.
What sets Brian apart is his straightforward, educational approach. He does not believe in one-size-fits-all recommendations. Instead, he takes the time to explain the options clearly, answer questions, and help clients avoid costly Medicare mistakes related to enrollment timing, penalties, provider networks, prescription coverage, and out-of-pocket costs.
Brian specializes in helping clients with:
Medicare enrollment when turning 65
Medicare planning for people working past 65
Medicare Supplement insurance, also known as Medigap
Medicare Advantage plans
Medicare Part D prescription drug plans
Dental, vision, and additional coverage options
Medicare open enrollment and annual plan reviews
Medicaid coordination
Provider networks, copays, deductibles, and prescription drug coverage
Medicare planning for retirees and high-net-worth individuals
Medicare guidance for financial advisors, HR professionals, and their clients
Directions to My Office
My Google Reviews
115 Total Reviews (5.0 )
June 15, 2026
Dealing with Medicare is difficult. A friend of mine highly recommended Joe Calemmo. Joe went out of his way to help make the process seamless. Joe was very patient and explained all the options. I am very happy that my friend recommended Joe.
June 5, 2026
Brian and his team made the transition into the Medicare world simple and efficient. His preparation provided answers to all of my questions and created an easy step-by-step process to sign up for the various plans.
June 3, 2026
Corey was very helpful, returned all calls and answered all questions and concerns.
May 31, 2026
Brian and the team were very thorough and professional. Brian helped me to understand the different plans and which would be the best for me, given my situation. He explained how part C and D provided coverage. I was first told about Plan Medicare by a friend who also thought the services provided were comprehensive and would be good for me. I would recommend Plan Medicare to anyone who is just beginning Medicare, or if they have been enrolled for a while and thinking about updated Medicare coverage. Because I have ADHD, the one thing I felt could be better was being a little slower in explaining all the plans….this is because my mind takes a little long to process information. Thank you Brian and Plan Medicare Gerard M
May 30, 2026
I am very appreciative of Brian Krantz and staff for all the help getting on Medicare. I am retired I.T. and it was so difficult navigating the Social Security site. I am thankful Mr Krantz told me to start 2 months early! They took the whole 2 months for approval and Krantz’ people helped me to get my Medicare approved the last day of April! My other insurance was ending THAT DAY! They helped me get the extra parts of Medicare going without any delay! I would definitely use them again if needed.
Q&A with Brian Krantz
Answer: Part B covers doctor visits, outpatient care, lab work, preventive services, and some medical equipment. But it only covers 80% — no cap on out-of-pocket costs — so no, it’s not enough on its own. You’ll need a Supplement or Advantage plan to fill the gaps.
Answer: That Medicare Advantage plans are always the best option. A lot of agents push them because they’re paid more to sell them — but that doesn’t mean they’re the right fit for everyone.
Answer: They can save you money short term — and long term if you stay healthy. But it’s a gamble. If you get sick, out-of-pocket costs and network limits can add up fast.
Answer: Technology might make comparing plans and enrolling easier, but at the end of the day, Medicare is a service business. People still need a human to guide them — especially when their health and finances are on the line.
Answer: Medicare doesn’t cover routine eye exams for glasses or contacts. It only covers eye care related to medical issues like glaucoma or cataracts. So yes, many seniors end up paying out of pocket for vision care unless they have extra coverage.
Answer: Technically yes, but it depends on your state’s rules. In most states, you can apply anytime — but you may have to answer health questions and could be denied. Some states have more flexible rules, so it’s worth checking.
Answer: In rural areas, there are usually fewer Medicare Advantage plans, and the networks can be really limited. That means fewer doctors and hospitals to choose from — so it’s important to check what’s available before you move.
Answer: Possibly. Medicare premiums can sometimes be deducted as a medical expense if you itemize — but it depends on your overall situation. Best to run it by a CPA to see what applies to you.
Answer: Medicare usually doesn’t cover care outside the U.S., but there are a few exceptions — like if you’re in the U.S. and a foreign hospital is closer, or you’re traveling between Alaska and another state through Canada. Otherwise, you’ll need separate travel coverage.
Answer: It depends on your state. In most states, you’ll have to answer health questions to switch to a Medigap plan — AEP doesn’t guarantee acceptance. Always check your state’s rules first.
Answer: A lot of people just listen to friends or colleagues instead of getting advice based on their situation. What worked for someone else might not work for them — and they often learn that the hard way.
Answer: Freedom to see any doctor or hospital in the U.S. that accepts Medicare — no networks, no referrals. That kind of flexibility is easy to take for granted until you really need it.
Answer: Yes — in most states, you’ll have to answer health questions unless you’re in a special guaranteed issue window. It depends on your state’s rules.
Answer: No, Part A by itself isn’t enough. It has deductibles and coverage limits. You still need Part B and either a Supplement or Advantage plan to make sure you’re fully protected.
Answer: Usually Plan G or High Deductible G — they offer great coverage and predictable costs. But it really depends on your state and how pricing works there, so it's not one-size-fits-all.
Answer: It’ll save seniors money — plain and simple. Once you hit $2,000 out-of-pocket, you won’t pay anything more for your prescriptions that year. It brings real relief for anyone on costly meds.
Answer: Sit with them, listen to their concerns, and don’t assume what’s best without understanding their needs. Bring in a Medicare expert to explain the options clearly — it takes the pressure off you and helps them feel confident they’re making the right choice.
Answer: It depends on the size of the employer. If there are 20 or more employees, they can usually delay Part B without a penalty. But it's always smart to double-check the details.
Answer: Because they either think they don’t need it or they miss the deadlines. If you don’t sign up when you’re supposed to, you can get stuck with a penalty that lasts for life.
Answer: PPOs let you see out-of-network doctors, but at a higher cost. HMOs usually don’t. Either way, it’s important to make sure your doctors are in-network — that’s where the real savings are.
Answer: Maybe. It depends if you’re still working and your employer has 20 or more employees. If not, you could face late penalties — so it’s important to review your situation before delaying.
Answer: Yes — you’ll need to enroll to avoid late penalties. The timing matters, so let’s talk ahead of your retirement to make sure everything’s set up right.
Answer: It’s a game changer for people on expensive medications. Instead of spending thousands every year, you’ll now have a hard cap at $2,000 — which brings real relief and predictability.
Answer: It could be great in theory, but there’s a risk. If younger people with health issues join the Medicare Supplement pool, it could drive up premiums for everyone. It all depends on how it’s structured and who’s allowed in.
Answer: The ones that advertise free dental, OTC cards, and tons of extra benefits — but don’t mention those are usually for people on Medicaid. Most folks don’t qualify for those extras, so it’s very misleading. I always explain what you actually qualify for, not what’s in the fine print.
Answer: Medicare doesn’t cover most long-term care, like assisted living or help with daily activities. It only covers short-term rehab after a hospital stay. If you're thinking ahead, it's smart to look into long-term care insurance or talk with a financial planner.
Answer: If you’re under 65 and on Social Security Disability, you’ll automatically get Medicare after 24 months. Same Parts A and B — just earlier because of your disability.
Answer: Networks. You're limited to doctors and hospitals in the plan’s network, which can be a problem if you travel or need care out of state. Also, in states with medical underwriting, if your health changes later, you might not be able to switch to a Supplement plan down the line.
Answer: I start by explaining Medicare Parts A and B — what they cover and what they don’t. Then I walk them through their two main options: either add a Supplement and Part D, or go with a Medicare Advantage plan. I also make sure they understand how state rules can impact their choices. Every situation is different, so I keep it clear and personal.
Answer: The biggest mistake I see seniors make when enrolling in Medicare is listening to friends or going directly to the insurance companies. Everyone’s situation is different — what worked for your neighbor or coworker might not be right for you. Medicare isn’t one-size-fits-all, and making decisions without personalized guidance can lead to unexpected costs or gaps in coverage.