Michael Martin, Medicare Insurance Broker
Michael Martin
Longevity Health Group LLC
Medicare Broker Licensed in NJ, MD, MI and PA
5+ Years of Experience
Contact Details
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Location
Riverside, NJ
About Me
"Michael Martin – Medicare & Insurance Specialist Helping seniors and individuals with disabilities navigate their Medicare options with confidence. I specialize in Medicare Advantage, Medicare Supplement, Prescription Drug Plans, and Dual-Eligible (Medicare & Medicaid) plans. Whether you're turning 65, already on Medicare, or receiving disability benefits, I’m here to guide you through your insurance choices. As a local, trusted resource, I offer free, no-obligation reviews—and I’ll come to you for your convenience. Let’s make sure you have the right coverage at the right price. Call today to schedule your personalized consultation."
Q&A with Michael Martin
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.
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.
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.
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.