Trusted Guidance for Every Stage of Life
Specializing in Medicare while helping businesses and individuals navigate
Group Health and Marketplace with clear, honest guidance – always at no cost to you.
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Plans for You, Your Family or Your Business
Turning 65 or already enrolled? We'll help you find the right plan.
Affordable health solutions for your employees and your business.
Finding coverage on your own? We’ll help you choose the right plan.
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Hi, I'm Shari Kantor
A local NJ health insurance broker with 7 years dedicated to my client’s health.
I believe in real conversations, honest guidance, and making the insurance process simple and stress-free. My passion is helping people find clarity, confidence, and peace of mind-so they can focus on what matters most.
If you want Continuous Protection, Seamless Transitions and Confidence, call me!
Licensed Health Insurance Broker
License # 300955068
MediPlans NJ is Affiliated with the following Organizations
Why Work With a Local NJ Broker
No Gaps in Coverage
We ensure smooth transitions between plans so you're always protected.
Local Network Knowledge
We know the local doctors, hospitals, and carriers that server our communities.
Zero Gap Transitions
We specialize in the complex handoff between employer plans & Medicare.
Year Round Support
We're here beyond enrollment as your advocate all year long.
Real People. Real Peace of Mind.
The most reputable, highly reviewed, Medicare-specialized independent brokers in New Jersey,
based on substantial and meaningful customer reviews
Quick answers to common questions.
Get expert insight on Medicare, Marketplace, and your coverage options.
You are likely experiencing the “Federal Subsidy Cliff.” On December 31, 2025, the enhanced federal tax credits expired. While New Jersey still offers NJ Health Plan Savings for households earning up $93,900 for an individual, the loss of federal aid means the average enrollee is seeing their net cost nearly double.
Yes, a 15%+ increase on a small business health insurance renewal is currently common across New Jersey and the broader group market. Health insurance carriers regularly adjust rates annually due to rising medical costs, pharmacy claims, and overall utilization.
Yes, the annual $2,100 out-of-pocket prescription drug cap applies to you in a Medicare Advantage (MA) plan.
The cap applies automatically to all Medicare Part D coverage, whether you get it through a standalone Part D plan or integrated into a Medicare Advantage Prescription Drug (MAPD) plan.
We’ve vetted the fine print so you don’t have to. Access our collection of expert-led guides, plan comparisons, and compliance updates for New Jersey Medicare Beneficiaries, Small businesses, and Families.
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Medicare Savings Programs
The Federal Government and the State of New Jersey both have programs that help low-income seniors with the costs of Medicare. See below for the descriptions and Income limits. PAAD (Pharmaceutical Assistance to the Aged and Disabled)Income Limits: Single- $52,142 Married- $59,209Generic Drugs: $0-$5 Brand Drugs: $7Extras- PAAD pays deductibles, penalties, plan premiums SENIOR GOLDIncome…
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Senior Fraud: Medicare
Senior fraud encompasses a range of deceptive schemes designed to exploit older individuals who are more susceptible to malicious tactics and less technologically savvy. These scams can take many forms, including phishing emails, fraudulent phone calls, investment scams, and identity theft. Often, they use fronts such as “Medicare” to gain access to personal information. With…
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When Can I Sign Up for Medicare? A Simple Guide to Getting Started
When Can I Sign Up for Medicare? Medicare is a vital resource for millions of Americans, offering health coverage to those 65 and older, and to some younger individuals with specific disabilities. One of the most common—and important—questions people have is: When can I sign up for Medicare? If you’re approaching 65 or helping a…
Credentials & Compliance
Written by: MediPlans NJ
Credentials: Licensed Independent Health & Medicare Insurance Advisors
Regulatory Compliance: Fully Compliant with Centers for Medicare & Medicaid Services (CMS) Guidelines
Editorial Integrity: MediPlans NJ operates as an independent advisory firm. We offer objective, non-biased comparisons across multiple top-rated Medigap carriers to help you protect your healthcare freedom without overpaying.
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