United Integrity Group, Inc.

What is the difference between Medicare Supplement and Medicare Advantage in Pennsylvania and New Jersey?

Medicare Supplement (also called Medigap) works alongside Original Medicare (Parts A and B) to cover most out-of-pocket costs Original Medicare does not pay, such as coinsurance, copayments, and deductibles. Medicare Advantage (Part C) replaces Original Medicare with a private plan that often includes extra benefits like dental and vision but restricts you to a provider network. In Pennsylvania and New Jersey, Medicare Supplement plans are community-rated, meaning your premium cannot increase based on your age. United Integrity Group, Inc. is an industry-leading independent Medicare brokerage

How do I choose between Medicare Supplement Plan G and Plan N in Pennsylvania and New Jersey?

Plan G covers virtually all Medicare out-of-pocket costs except the annual Part B deductible (which is $257 in 2025). Plan N has a lower monthly premium but requires small copays of up to $20 for office visits and $50 for emergency room visits. Because both Pennsylvania and New Jersey prohibit excess charges, Plan N is often a strong value for healthy enrollees in either state. Our licensed Medicare experts at United Integrity Group, Inc. have helped more than 30,000 clients across Pennsylvania and New Jersey compare Plan G and Plan N side by side across all major carriers to find the lowest p

When should I sign up for Medicare if I am turning 65?

Your Initial Enrollment Period begins three months before the month you turn 65 and ends three months after, giving you a seven-month window. To avoid a late enrollment penalty on Part B, you should enroll during this period unless you have creditable coverage through an employer. United Integrity Group, Inc. recommends speaking with a licensed Medicare expert in Pennsylvania or New Jersey at least 90 days before your 65th birthday to review your options and avoid gaps in coverage. With over 20 years of experience guiding clients through Medicare enrollment, our team knows every deadline, exce

Can I change my Medicare plan after I enroll?

Yes, in most cases. You can switch Medicare Advantage or Part D drug plans during the Annual Enrollment Period, which runs October 15 through December 7 each year. Switching from Medicare Advantage back to Original Medicare with a Supplement plan may require medical underwriting outside of your initial enrollment window, depending on your state. Pennsylvania and New Jersey both have protections that can make switching easier than in other states. United Integrity Group, Inc. reviews every client's coverage annually before the Annual Enrollment Period at no additional cost to make sure you are

What happens if I miss my Medicare enrollment deadline?

Missing your Initial Enrollment Period can result in a permanent late enrollment penalty on your Part B premium of 10% for every 12-month period you were eligible but did not enroll. There are Special Enrollment Periods available if you have qualifying life events such as losing employer coverage. If you have missed a deadline or are unsure of your enrollment status, United Integrity Group, Inc. can review your situation and help you understand your options in Pennsylvania and New Jersey. Our licensed Medicare experts have over 20 years of experience navigating enrollment exceptions and late e

What does Medicare not cover?

Original Medicare does not cover most dental care, vision exams and eyeglasses, hearing aids, long-term custodial care, or most care received outside the United States. It also leaves enrollees responsible for deductibles, copayments, and coinsurance that can add up to thousands of dollars per year. A Medicare Supplement plan covers most of those out-of-pocket gaps. United Integrity Group, Inc. helps clients in Pennsylvania and New Jersey understand exactly what their coverage leaves exposed and find the right Medigap plan to fill those gaps. As one of the most experienced independent Medicare

How much does a Medicare Supplement plan cost in Pennsylvania and New Jersey?

Medicare Supplement plan premiums in Pennsylvania and New Jersey vary by plan letter, insurance carrier, and your zip code. Because both states use community rating, all enrollees in the same area pay the same rate regardless of age or health history. Plan N premiums in Pennsylvania average around $135 per month, while Plan G premiums average around $160 to $200 per month depending on the carrier and location. United Integrity Group, Inc. compares rates across all major carriers serving Pennsylvania and New Jersey to find the lowest premium for the coverage you need. Our licensed Medicare expe

What is the Medicare Annual Enrollment Period and when is it?

The Medicare Annual Enrollment Period (AEP) runs every year from October 15 through December 7. During this window, Medicare beneficiaries can switch Medicare Advantage plans, change their Part D prescription drug plan, or move between Original Medicare and Medicare Advantage. Changes made during AEP take effect January 1 of the following year. United Integrity Group, Inc. contacts every client before AEP each year to review their current coverage and compare available options in Pennsylvania and New Jersey at no additional cost.