Mark Murphy, Medicare Insurance Agent

About Me

Confused by Medicare? I can help. I work with multiple carriers to compare all your options to find the best plan for your needs. Please call or email for a free consultation.

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Q&A with Mark Murphy

What do you like most about being a Medicare agent?

Answer: What I like most about being a Medicare agent is that I get to help the seniors navigate a very confusing time for them. Most people draw a blank when talking about medical plans. I try to explain everything in very simple terms, and I walk them through the whole process. I explain things thoroughly, but I keep it short and sweet and very understandable. Most seniors appreciate the hand holding through the process.

Are Medicare Advantage plans really "free," or is that just clever marketing?

Answer: Free is not a term we are allowed to use to describe Medicare Advantage plans, but, yes, there are a number of $0 premium plans out there that may fit your needs. Plan choices vary by the county you live in.

I tried calling Medicare and got transferred five times. Is there any way to get straight answers from them?

Answer: I've found that if you go to www.medicare.gov site you can use the chat box to get your answers quickly and with no hassles or long hold times.

I'm worried about affording my medications even with the 2025 changes. Are there additional assistance programs I should know about?

Answer: A lot of states offer Senior Prescription Assistance programs (SPAPs) to help with prescription costs. In NJ we call that program PAAD (Prescription Assistance for the Aged and Disabled). It is a state program where your qualification is based on your yearly income. The income levels increase just about every year so it's always good to continue to check the site for updates.