Medicare Help · New York
Medicare, made simple.
Turning 65, or want a second look at your current plan? Jorge is a licensed, independent, local agent who explains your Medicare options in plain English or Spanish, and helps you choose, at no cost to you.
No cost, no pressure, no obligation · Local to Queens & NY · Se habla español
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. 1-800-MEDICARE is open 24 hours a day, 7 days a week (TTY 1-877-486-2048). Not connected with or endorsed by the U.S. government or the federal Medicare program.
The four parts, in plain English
Medicare is federal health coverage for people 65+ (and some younger people with certain conditions). It comes in four parts, and understanding them is most of the battle.
- Part A — Hospital. Inpatient hospital stays, skilled nursing, some home health. Most people pay no premium for it.
- Part B — Medical. Doctor visits, outpatient care, preventive services. Has a monthly premium.
- Part C — Medicare Advantage. An all-in-one plan from a private carrier that bundles A and B, usually with Part D, sometimes extras.
- Part D — Prescription drugs. A separate drug plan (or built into an Advantage plan).
You don't need to memorize the alphabet. That's my job. You just need to know what fits your doctors, your medications, and your budget.
Two ways to put it together
Most people choose one of these. Neither is "best," the right one depends on you.
Original Medicare + Medigap + Part D
Keep Original Medicare (A & B), add a Medicare Supplement (Medigap) to help with out-of-pocket costs, and a stand-alone Part D drug plan. Widest doctor access; a predictable, higher monthly cost.
Medicare Advantage (Part C)
Get your coverage through one private plan that bundles A, B, and usually D, often with extra benefits. Typically lower monthly cost with network and referral rules. Availability is county-specific.
On a free call, Jorge looks at your doctors, prescriptions, and budget, then compares the plans available where you live so you can choose with confidence.
A local guide, not a call center
- No cost to you — you never pay to work with an agent; your premium is the same either way
- Independent — Jorge compares the plans available in your area, not one company's pitch
- Local — based in Flushing, he knows the New York carriers, networks, and doctors
- Bilingual — clear help in English or Spanish, se habla español
- Year-round — questions don't only happen in the fall; Jorge is here all year
- Honest — if your current plan is already the right fit, he'll tell you
The windows that matter
Timing is one of the few places a mistake can cost you. Here are the big ones.
Initial Enrollment
A 7-month window around your 65th birthday month. The best time to get it right the first time.
Oct 15 – Dec 7
The Annual Enrollment Period. Anyone on Medicare can review and change plans for the coming year.
Special Periods
Moving, losing other coverage, or other qualifying events can open a Special Enrollment Period just for you.
Not sure which window you're in? That's the first thing Jorge will help you figure out, free.
Medicare, answered
Medicare guides for New Yorkers
Turning 65 in New York
When your window opens, when coverage starts, the penalties, and the New York rules that help.
Extra Help in New York
Programs that help pay premiums and prescriptions if your income is limited.
Free, local, no-pressure Medicare help
Get a clear, honest look at your options from someone who lives and works right here. No cost, no obligation.
Get Free Medicare Help Call Jorge — (607) 601-2278We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. 1-800-MEDICARE is open 24 hours a day, 7 days a week (TTY 1-877-486-2048). Joram Castle Group and Jorge Castillo are not connected with or endorsed by the U.S. government or the federal Medicare program. This is a solicitation for insurance; a licensed agent may contact you. Educational information only, not medical, legal, or tax advice. Jorge Castillo · Joram Castle Group · NPN 4654668.