Navigating Medicare doesn't have to be confusing. At Ainsworth Connect LLC, we help you understand your options and choose the plan that fits your healthcare and budget needs.
Explore Medicare OptionsMedicare insurance exports based in New Jersey with deep local knowledge and credentials.
We work with multiple carriers to find the best fit for your specific needs.
Complete guidance through enrollment process with ongoing support year after year.
We'll guide you through all your choices and explain the differences to help you compare plans side by side.
All-in-one plans that may include prescription drug coverage and extra benefits like dental, vision, and wellness programs.
Helps pay for out-of-pocket costs Original Medicare doesn't cover, including deductibles and copayments.
Standalone coverage for medications that works alongside Original Medicare to reduce prescription costs.
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Call us or fill out our simple online form to get started with your personalized Medicare review.
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We'll compare plans and explain benefits in plain language, tailored to your specific healthcare needs.
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Enroll in the plan that's right for you with our expert guidance and ongoing support.
During the personalized meeting or discussion, our expert will assess your needs, explain Medicare plan options and answer your questions to help you understand and navigate the complexities of Medicare.
Based on your needs, they will help you compare various plans available in your area from different insurance carriers. This can include evaluating costs, benefits, and provider networks.
Our Medicare specialist will assist you with the enrollment process, ensuring you meet important deadlines and correctly fill out all the necessary forms.
I'm based in Edison and work with Medicare beneficiaries across New Jersey — by phone, at your pace, with no pressure to decide on the spot.
Working with someone local matters more in Medicare than people expect. Plan availability isn't national — it's set county by county. The Medicare Advantage plans offered in Middlesex County aren't the same as those in Bergen, Camden, or Cape May. Provider networks differ too: a plan that includes your cardiologist in one county may not in the next one over.
That's the difference between a national call center reading from a script and someone who knows the New Jersey landscape.
New Jersey runs two prescription assistance programs that exist nowhere else. Many people who qualify have no idea they do — and no one at a national call center is going to mention them.
If you qualify, PAAD reduces your prescription costs to roughly $5 for generics and $7 for brand-name drugs, and helps with your Part D premium.
For those whose income sits above the PAAD limit, Senior Gold covers 50% of your out-of-pocket prescription costs after a small copayment.
For 2026, the income limits for these programs are approximately $54,943 for a single person and $62,390 for a married couple — higher than most people assume, which is exactly why so many eligible seniors never apply.
Both programs are applied for through NJSave, and both require Part D or Medicare Advantage drug coverage first. When we review your plan, I'll tell you whether you're likely to qualify — it costs nothing to find out, and it can change your annual drug costs substantially.
Yes. Medicare Advantage and Part D plan availability, pricing, and provider networks are set at the county level. A plan available in Middlesex County may not be offered in Ocean or Sussex County, and the same plan can have different networks in different counties. This is why a local review matters.
PAAD is New Jersey's Pharmaceutical Assistance to the Aged and Disabled program. For eligible residents, it reduces prescription copays to about $5 for generic and $7 for brand-name drugs and assists with Part D premiums. You must be enrolled in Medicare Part D or a Medicare Advantage plan with drug coverage to participate.
For 2026, the limits are approximately $54,943 for a single applicant and $62,390 for a married couple. Senior Gold serves those whose income exceeds the PAAD threshold, covering 50% of out-of-pocket prescription costs after a copayment.
No. As an independent broker, I'm compensated by the insurance carriers, not by you. Your premium is the same whether you enroll through me, directly with the carrier, or through anyone else. What you get by working with me is someone who compares options across carriers and stays available after enrollment.
No. Most of my clients prefer to handle everything by phone, on their own schedule, from their kitchen table. I serve clients throughout New Jersey this way.
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