Michael Martin, Medicare Insurance Broker
Michael Martin
St. Michael Medicare
Medicare Broker Licensed in NJ and PA
6+ Years of Experience
Contact Details
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Location
Riverside, NJ
About Me
At St. Michael Medicare, we protect and educate seniors on the complexities of Medicare. From navigating enrollment to choosing the right plan, we provide clear guidance, honest education, and personalized protection. Our mission is to safeguard seniors’ health and peace of mind—just as St. Michael is known for protection and strength. 💙🛡️
✅ Independent & unbiased Medicare guidance
✅ One-on-one education sessions to simplify choices
✅ Protection from common Medicare mistakes and costly gaps
✅ Local, trusted, and senior-focused service
✅ Ongoing support beyond enrollment
📞 Contact today for a free consultation!
Q&A with Michael Martin
I've been dreading hitting the donut hole each year. How will its elimination in 2025 change what I pay throughout the year?
Answer: The donut hole has been eliminated meaning each individual will pay no more than $2000 for the year for their prescriptions. If you know that you are going to be over $2000, you can contact your carrier directly and set up a payment plan, bypassing any copayments or deductibles in your plan.
Why does Medicare have so many coverage gaps, and is it designed that way on purpose?
Answer: When Medicare was created in 1965, it was designed to offer basic health insurance for seniors, not to cover everything.
Medicare’s structure creates space for private insurance companies to offer supplemental coverage (like Medigap or Medicare Advantage). This public-private hybrid model was intentional—it allows the government to provide a foundation, while the private market fills in the gaps.
Are Medicare Advantage plans really "free," or is that just clever marketing?
Answer: Many Medicare advantage plans are free, some are not. Everyone must pay the Medicare part B premium however, this is unavoidable unless you qualify for extra help or Medicaid.
What are the reasons why I should work with a Medicare agent?
Answer: A medicare agent is going to be able to offer more than 1 medicare plan, giving you a larger selection. Allowing to tailor your decision based on your needs whether it be networks, prescriptions or procedures.
A medicare agent can also guide you each year as plans change, giving you the edge as you focus on your health.