Cherry Hill, NJ – October 19, 2026 – A search for a Medicare agent in Paterson, NJ usually starts with one urgent question: what happens if I wait too long to sign up for Medicare? Federal law gives an unambiguous answer. Anyone who delays Part B enrollment without a qualifying reason, such as active employer coverage, pays a 10% premium penalty for every full 12-month period they waited, and the surcharge never expires. EasyKind Medicare, an independent Medicare brokerage in Cherry Hill, fields that exact question from Passaic County residents turning 65.
The dollar impact is concrete. Part B’s standard premium is $202.90 a month in 2026. A one-year delay adds roughly $20.29 a month, for life. Wait two years, and the surcharge roughly doubles to $40.58 a month on top of the standard premium, a cost that rises every year Medicare adjusts the base rate. Few people realize the penalty is calculated this way until an agent walks them through it.
Anthony Orner, EasyKind Medicare’s broker (NPN 20586791), is licensed in New Jersey and 34 additional states and compares Medicare Advantage and Medicare Supplement plans available to Paterson residents, including coverage near St. Joseph’s University Medical Center. He hears from Passaic County callers who searched for a Medicare agent in Paterson and found directories before they found a person to call.
Timing matters beyond Part B. New Jersey gives new Medicare enrollees a six-month Medigap Open Enrollment Period, tied to the Part B start date, during which a carrier must accept the application regardless of health history. Apply outside that window, and underwriting generally applies. The deadlines run on parallel clocks, and missing either one is permanent in its own way.
The broker’s help costs nothing extra. Carriers pay broker commissions directly, so the premium a Paterson resident pays is the same whether they enroll through an agent, online, or by calling 1-800-MEDICARE. EasyKind Medicare’s Passaic County guidance is available at 855-559-1700 or medicareyourself.com/services/find-a-medicare-agent-in-paterson-nj.
About EasyKind Medicare
EasyKind Medicare is an independent Medicare insurance brokerage based in Cherry Hill, New Jersey, licensed in New Jersey and 34 additional states. Led by broker Anthony Orner (NPN 20586791), the firm helps consumers compare Medicare Supplement, Medicare Advantage, and Part D prescription drug plans across carriers. 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 Contact
Company Name: easyKind Medicare
Contact Person: Anthony Orner
Email: Send Email
Phone: 855-559-1700
Address:1309 Route 70 West
City: Cherry Hill
State: NJ
Country: United States
Website: https://medicareyourself.com