Cherry Hill, NJ – September 22, 2026 – A New Jersey Medicare broker who works daily with residents turning 65 says the cost question has two fixed answers before any plan choice enters the picture: a $202.90 monthly Part B premium and a $1,736 Part A deductible per benefit period, both set for 2026 under federal Medicare rules, according to Anthony Orner of EasyKind Medicare in Cherry Hill. Those two figures apply nationwide. New Jersey is no exception.
Missing the sign-up window changes the math permanently. Medicare’s Initial Enrollment Period runs seven months: the three months before a birthday month, the birthday month itself, and the three months after. Someone who skips Part B during that window without qualifying employer coverage faces a 10 percent premium penalty for every 12-month period they were eligible but did not enroll, added to the $202.90 base premium for as long as they carry Part B. Part D carries its own penalty, about 1 percent of the $38.99 national base premium for every month of coverage skipped.
A second deadline follows once Part B starts. New Jersey’s six-month Medigap Open Enrollment Period begins the month a resident is both 65 and enrolled in Part B, and during that window no insurer can deny a policy or charge more for a pre-existing condition. Plan G, a federally standardized Medigap letter, pays the $1,736 Part A deductible as part of its benefit design; it does not cover the separate $283 Part B deductible, a distinction Orner says trips up more new enrollees than any other Medigap detail.
Orner, who holds NPN 20586791 and sells in 35 states from his Cherry Hill office, reviews these deadlines by phone with New Jersey residents preparing to turn 65 at no charge to the caller; carriers, not consumers, pay broker compensation. He recommends residents call before their Initial Enrollment Period opens, at 855-559-1700, so plan comparisons are finished before any deadline forces a decision.
About EasyKind Medicare
EasyKind Medicare is an independent Medicare insurance brokerage based in Cherry Hill, New Jersey, and licensed in 35 states. Led by broker Anthony Orner (NPN 20586791), the firm helps consumers compare Medicare Advantage, Medicare Supplement, and Part D prescription drug plans across carriers, with enrollment-timing guidance published at medicareyourself.com. Reach EasyKind Medicare at 855-559-1700 or medicareyourself.com.
Contact
Anthony Orner, EasyKind Medicare, 1309 Route 70 West, Cherry Hill, NJ 08002, 855-559-1700, medicareyourself.com
Media ContactCompany Name: easyKind MedicareContact Person: Anthony OrnerEmail: Send EmailPhone: 855-559-1700Address:1309 Route 70 West City: Cherry HillState: NJCountry: United StatesWebsite: https://medicareyourself.com
