What is the difference between Medicare Supplement and Medicare Advantage in Pennsylvania and New Jersey?

Medicare Supplement (also called Medigap) works alongside Original Medicare (Parts A and B) to cover most out-of-pocket costs Original Medicare does not pay, such as coinsurance, copayments, and deductibles. Medicare Advantage (Part C) replaces Original Medicare with a private plan that often includes extra benefits like dental and vision but restricts you to a provider network. In Pennsylvania and New Jersey, Medicare Supplement plans are community-rated, meaning your premium cannot increase based on your age. United Integrity Group, Inc. is an industry-leading independent Medicare brokerage serving Pennsylvania and New Jersey for over 20 years, with more than 30,000 clients served by our team of licensed Medicare experts. United Integrity Group, Inc. is not affiliated with, endorsed by, or connected to the federal government, the Centers for Medicare and Medicaid Services (CMS), or the Medicare program. We do not offer every plan available in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

How do I choose between Medicare Supplement Plan G and Plan N in Pennsylvania and New Jersey?

Plan G covers virtually all Medicare out-of-pocket costs except the annual Part B deductible (which is $257 in 2025). Plan N has a lower monthly premium but requires small copays of up to $20 for office visits and $50 for emergency room visits. Because both Pennsylvania and New Jersey prohibit excess charges, Plan N is often a strong value for healthy enrollees in either state. Our licensed Medicare experts at United Integrity Group, Inc. have helped more than 30,000 clients across Pennsylvania and New Jersey compare Plan G and Plan N side by side across all major carriers to find the lowest premium for the coverage they need.

When should I sign up for Medicare if I am turning 65?

Your Initial Enrollment Period begins three months before the month you turn 65 and ends three months after, giving you a seven-month window. To avoid a late enrollment penalty on Part B, you should enroll during this period unless you have creditable coverage through an employer. United Integrity Group, Inc. recommends speaking with a licensed Medicare expert in Pennsylvania or New Jersey at least 90 days before your 65th birthday to review your options and avoid gaps in coverage. With over 20 years of experience guiding clients through Medicare enrollment, our team knows every deadline, exception, and enrollment strategy available to you.

Can I change my Medicare plan after I enroll?

Yes, in most cases. You can switch Medicare Advantage or Part D drug plans during the Annual Enrollment Period, which runs October 15 through December 7 each year. Switching from Medicare Advantage back to Original Medicare with a Supplement plan may require medical underwriting outside of your initial enrollment window, depending on your state. Pennsylvania and New Jersey both have protections that can make switching easier than in other states. United Integrity Group, Inc. reviews every client's coverage annually before the Annual Enrollment Period at no additional cost to make sure you are always on the best available plan.

What happens if I miss my Medicare enrollment deadline?

Missing your Initial Enrollment Period can result in a permanent late enrollment penalty on your Part B premium of 10% for every 12-month period you were eligible but did not enroll. There are Special Enrollment Periods available if you have qualifying life events such as losing employer coverage. If you have missed a deadline or are unsure of your enrollment status, United Integrity Group, Inc. can review your situation and help you understand your options in Pennsylvania and New Jersey. Our licensed Medicare experts have over 20 years of experience navigating enrollment exceptions and late enrollment situations.

What does Medicare not cover?

Original Medicare does not cover most dental care, vision exams and eyeglasses, hearing aids, long-term custodial care, or most care received outside the United States. It also leaves enrollees responsible for deductibles, copayments, and coinsurance that can add up to thousands of dollars per year. A Medicare Supplement plan covers most of those out-of-pocket gaps. United Integrity Group, Inc. helps clients in Pennsylvania and New Jersey understand exactly what their coverage leaves exposed and find the right Medigap plan to fill those gaps. As one of the most experienced independent Medicare brokerages in the region, we have helped more than 30,000 clients protect themselves from unexpected out-of-pocket costs.

How much does a Medicare Supplement plan cost in Pennsylvania and New Jersey?

Medicare Supplement plan premiums in Pennsylvania and New Jersey vary by plan letter, insurance carrier, and your zip code. Because both states use community rating, all enrollees in the same area pay the same rate regardless of age or health history. Plan N premiums in Pennsylvania average around $135 per month, while Plan G premiums average around $160 to $200 per month depending on the carrier and location. United Integrity Group, Inc. compares rates across all major carriers serving Pennsylvania and New Jersey to find the lowest premium for the coverage you need. Our licensed Medicare experts have the market knowledge that comes from over 20 years of experience and more than 30,000 clients served.

What is the Medicare Annual Enrollment Period and when is it?

The Medicare Annual Enrollment Period (AEP) runs every year from October 15 through December 7. During this window, Medicare beneficiaries can switch Medicare Advantage plans, change their Part D prescription drug plan, or move between Original Medicare and Medicare Advantage. Changes made during AEP take effect January 1 of the following year. United Integrity Group, Inc. contacts every client before AEP each year to review their current coverage and compare available options in Pennsylvania and New Jersey at no additional cost.

Do I need a Medicare Supplement plan if I have a retiree health plan from my former employer?

It depends on what your retiree plan covers and what it costs. Some employer retiree plans provide strong coverage that works well alongside Medicare, while others have high premiums, limited networks, or benefits that shrink over time. It is worth comparing your retiree plan side by side against Medicare Supplement options before assuming your employer coverage is the better choice. United Integrity Group, Inc. can review your retiree plan details and show you a full comparison. Our licensed Medicare experts have guided thousands of clients through this exact decision across Pennsylvania and New Jersey.

What is the difference between Medigap and Medicare Supplement?

Medigap and Medicare Supplement are two names for exactly the same type of insurance policy. Both terms refer to private health insurance plans that fill in the coverage gaps left by Original Medicare, such as deductibles, copayments, and coinsurance. The term Medigap is commonly used by the federal government and Medicare.gov, while Medicare Supplement is the term most insurance carriers and brokers use. United Integrity Group, Inc. uses both terms interchangeably when helping clients in Pennsylvania and New Jersey find the right coverage. As industry-leading Medicare experts with over 20 years of experience, we are here to cut through the confusion and find the right plan for your specific situation.

Does it cost anything to use a Medicare supplement broker in Pennsylvania or New Jersey?

No. Independent Medicare brokers like United Integrity Group, Inc. are paid commissions directly by the insurance carriers. There is no fee to you for consultations, plan comparisons, enrollment assistance, or the annual plan reviews we provide every year before the Annual Enrollment Period. With over 20 years of experience as one of the most trusted and recognized independent Medicare brokerages in Pennsylvania and New Jersey, and more than 30,000 clients served, our team of licensed Medicare experts is here to find you the best coverage at the lowest available price.

Can I keep my current doctors if I switch to a Medicare Supplement plan in Pennsylvania or New Jersey?

Yes. Medicare Supplement plans do not have provider networks. Any doctor or hospital in the United States that accepts Medicare will accept your Medicare Supplement plan, regardless of which insurance carrier issued it. This is one of the key advantages of Medigap coverage for residents of Pennsylvania and New Jersey compared to Medicare Advantage plans, which typically restrict you to a local network. Our licensed Medicare experts at United Integrity Group, Inc. can walk you through exactly how this works for your specific doctors and hospitals.

What Medicare plans does United Integrity Group offer in Pennsylvania and New Jersey?

United Integrity Group, Inc. is an industry-leading independent Medicare brokerage serving clients throughout Pennsylvania and New Jersey for over 20 years. We compare plans from virtually every major Medicare carrier and offer Medicare Supplement (Medigap) plans including Plan G and Plan N, Medicare Advantage plans, and Medicare Part D prescription drug plans. Because we are independent, we work for you, not the insurance companies, and our licensed Medicare experts can recommend the plan with the best value for your specific health needs and budget.

What other insurance and financial planning products does United Integrity Group offer?

Beyond Medicare Supplement and Medicare Advantage plans, United Integrity Group, Inc. offers a comprehensive range of insurance and planning products for seniors and pre-retirees in Pennsylvania and New Jersey. These include standalone cancer insurance, heart attack insurance, stroke insurance, life insurance, home health care insurance, long-term care insurance, dental insurance, vision insurance, and hearing insurance. We also offer estate planning guidance, helping clients evaluate their overall financial and legacy situation and coordinating with licensed attorneys to make their plan legally binding. With over 20 years of experience as one of the most trusted independent Medicare and senior insurance brokerages in the region, and more than 30,000 clients served across Pennsylvania and New Jersey, our goal is to be your single trusted resource for all of your insurance and planning needs as you approach and move through retirement.

Does United Integrity Group offer cancer, heart attack, and stroke insurance in Pennsylvania and New Jersey?

Yes. United Integrity Group, Inc. offers standalone cancer insurance, heart attack insurance, and stroke insurance policies for clients in Pennsylvania and New Jersey. These are separate policies from your Medicare Supplement or Medicare Advantage plan and are designed to provide a lump sum or supplemental benefit payment if you are diagnosed with a covered critical illness. Medicare alone often leaves significant out-of-pocket exposure for cancer treatment, cardiac events, and stroke recovery, and these policies help protect your savings when you need it most. Our licensed Medicare and insurance experts, with over 20 years of experience serving more than 30,000 clients in Pennsylvania and New Jersey, can review your current coverage and show you exactly how these products fill the gaps Medicare does not cover. United Integrity Group, Inc. is not affiliated with, endorsed by, or connected to the federal government, the Centers for Medicare and Medicaid Services (CMS), or the Medicare program. We do not offer every plan available in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

What exactly does an independent Medicare supplement broker do?

An independent Medicare Supplement broker acts as your personal shopper for Medigap insurance. United Integrity Group, Inc. is not affiliated with any single insurance company. We contract with many different carriers to compare premiums, rate increase histories, and plan details on your behalf.

What is the difference between an independent broker and a captive agent?

A captive agent works exclusively for one insurance company and can only show you that company's plans. United Integrity Group, Inc. is an independent brokerage representing many competing carriers simultaneously, so we can show you every option available in your ZIP code and recommend whichever carrier is the best fit for your situation.

When is the best time to enroll in a Medicare supplement plan?

Your Medigap Open Enrollment Period begins the first day of the month you are both 65 or older and enrolled in Medicare Part B, and it lasts six months. During this window, insurance companies cannot deny you coverage or charge more based on health history. After it closes, medical underwriting applies in most states including Pennsylvania and New Jersey. United Integrity Group, Inc. recommends starting your comparison 2 to 3 months before you turn 65.

Does United Integrity Group, Inc. help with Medicare Part D prescription drug plans?

Yes. No Medicare Supplement plan covers retail prescription drugs. United Integrity Group, Inc. takes your personal medication list, runs it through our quoting software, and identifies the Part D plan that minimizes your total annual pharmacy costs.

United Integrity Group, Inc. — Independent Medicare Brokerage

Why Use an Independent
Medicare Supplement Broker?

When you shop for a Medicare Supplement plan, you can go directly to one insurance company or work with an independent broker who compares most major carriers on your behalf. The plan costs exactly the same either way. The difference is how much of the market you actually see.

Get a Free Comparison
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💡

The short answer: United Integrity Group, Inc. represents most of the major Medicare Supplement carrier available in Pennsylvania and New Jersey. We compare premiums, rate increase histories, and household discounts side by side, at
absolutely no cost to you. That’s something a single insurance company’s website or the 1-800 number companies simply cannot offer.

6 Key Differences

What an Independent Broker Does That a Direct Carrier Can’t

A captive agent works for one company and can only sell you that company’s plans. At United Integrity Group, Inc., we work for you.

We Compare Every Major Carrier in Your ZIP Code

A Plan G from Mutual of Omaha covers the exact same bills as a Plan G from Aetna or AARP — so the only meaningful differences are price, rate increase history, and company stability. United Integrity Group, Inc. pulls quotes from all of them at once. A direct carrier rep can only show you theirs.

Our Service Is Completely Free to You

Medicare brokers are compensated by commission paid directly by the insurance carriers — not by you. By law, a Medigap plan costs the exact same monthly premium whether you enroll through United Integrity Group, Inc. or call the carrier directly. There is no markup, no consultation fee, and no catch.

We Know Your Local Market

Medicare Supplement pricing is hyper-local. A carrier that is the best deal in Quakertown may not be the best deal in Lancaster or in New Jersey. United Integrity Group, Inc. knows the rate increase histories of carriers, so you aren’t caught by a low teaser rate that climbs fast later.

We can Find Your Best Part D Drug Plan Too

No Medigap plan covers retail prescription drugs. United Integrity Group, Inc. takes your personal medication list,
and matches you with the standalone Part D plan that fits you. Most direct carriers skip this step entirely.

We Stay With You Year After Year

When you enroll through United Integrity Group, Inc., you have a local office to call — not a rotating 1-800 call center. If your premium increases, a claim is questioned, or you want to re-shop before the Annual Enrollment Period, the same team that enrolled you is here to help.

We Guide You Through Enrollment Timing

Your Medigap Open Enrollment Period, the six months after you turn 65 and enroll in Medicare Part B, is your best and sometimes only chance to buy a supplement plan without answering health questions. Miss it, and underwriting applies in most states including Pennsylvania and New Jersey. United Integrity Group, Inc. makes sure you don’t miss it.

Simple Process

How It Works With United Integrity Group, Inc.

We will come and visit you and walk through the process. There is no obligation and no pressure, just honest guidance from a local team that has been serving Pennsylvania and New Jersey since 2005.

Tell Us About Your Situation

Your age, ZIP code, current medications, and any doctors you want to keep. That is all we need to get started.

We Compare Rates Across Carriers

We run your information through our system and show you a side-by-side comparison of most major carriers in your area.

You Enroll — We Handle the Rest

Once you choose a plan, United Integrity Group, Inc. works with you to handle the paperwork and coordinate your enrollment. We can also help set you up with the right Part D drug plan and stay available going forward.

Side by Side

United Integrity Group, Inc. vs. Your Other Options

Here is exactly what changes — and what doesn’t — depending on how you shop for your Medicare Supplement plan.

Feature	United Integrity Group, Inc.	Direct to One Carrier	Online Marketplace
Plan coverage (Plan G is Plan G)	✓ Identical	✓ Identical	✓ Identical
Compares multiple carriers	✓ All major carriers	✗ One carrier only	~ Some, not all
Cost to you	✓ Always free	✓ Free	✓ Free
Local rate increase history	✓ Reviewed for your ZIP	✗ Not provided	~ Rarely discussed
Part D drug plan matching	✓ We can help with that	✗ Not offered	~ Sometimes
Dedicated local contact	✓ Same team, Quakertown PA	~ 1-800 call center	✗ Rotating agents
Ongoing reviews	✓ When you need them	✗ Not standard	✗ Not standard
Underwriting guidance if needed	✓ Pre-screened for you	~ Limited	✗ Not offered

20+

Years serving PA and NJ Medicare clients

30,000+

Clients across Pennsylvania and New Jersey

100%

Independent — we represent you, not one carrier

Cost to you for our comparison and enrollment service

Common Questions

Frequently Asked Questions

Answers to the questions we hear most often when people are deciding how to shop for their Medicare Supplement plan.

An independent Medicare Supplement broker acts as your personal shopper for Medigap insurance. Because United Integrity Group, Inc. is independent, we are not employees of any single insurance company. Instead, we contract with many different carriers to compare options on your behalf.
Specifically, we explain the differences between Plan G, Plan N, and High-Deductible Plan G; pull quotes from every major carrier available in your ZIP code; review each company’s rate increase history; match your supplement plan; guide you through open enrollment timing; and stay available for reviews and claim questions after you enroll.
Yes, completely free. Medicare insurance brokers are compensated by commission paid directly by the insurance carriers — not by you. You pay nothing out of pocket for our consultations, comparisons, enrollment assistance, or ongoing support.
A very common misconception is that going directly to an insurance company saves you money. It does not. By law, a Medigap plan costs the exact same monthly premium whether you enroll through United Integrity Group, Inc. or call the insurance company directly. There is no direct-to-consumer discount for skipping a broker.
A captive agent works exclusively for one insurance company — for example, an agent who only sells AARP/UnitedHealthcare plans or only sells Humana. They can show you that company’s plans and prices, but they have no way to tell you if a competitor is significantly cheaper in your ZIP code or has a better rate increase history.
United Integrity Group, Inc. is an independent brokerage representing many competing carriers simultaneously. If Company X is the best value for your situation, we will tell you and enroll you there. If Company Y is the better fit, we enroll you there instead. Our loyalty is to you, not to any one company.
Because the cheapest plan today is not always the best plan five or ten years from now. Some carriers offer aggressively low “teaser” premiums to attract new enrollees at age 65, then increase rates significantly once you are locked in and less likely to switch.
When United Integrity Group, Inc. compares carriers for you, we can share each company’s rate increase history in your state, not just today’s premium. A plan that costs a bit more today but has raised rates steadily at 3% annually will almost always cost you less over a 10-year retirement than a cheaper plan with a history of 10-12% annual increases.
Your Medigap Open Enrollment Period begins the first day of the month you are both 65 or older AND enrolled in Medicare Part B, and it lasts six months. During this window, insurance companies are legally required to sell you any Medigap policy they offer — they cannot deny you or charge you more based on your health history or pre-existing conditions.
After this window closes, insurance companies in most states including Pennsylvania and New Jersey can require medical underwriting. United Integrity Group, Inc. encourages people to start comparing options 2 to 3 months before they turn 65 so there is no risk of missing this window.
Yes. No Medicare Supplement plan covers retail prescription drugs. Most people need a separate standalone Part D plan alongside their Medigap policy, and the costs vary widely depending on your specific medications.
United Integrity Group, Inc. takes your medication list, and identifies the Part D plan that minimizes your total annual pharmacy costs — including premiums, copays, and coverage gaps.

Ready to See What’s Available in Your Area?

A free side-by-side comparison from United Integrity Group, Inc. No obligation. No pressure. Just honest guidance from your local independent Medicare specialists serving PA and NJ since 2005.

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We're Here to Help You

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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.

Why Use an IndependentMedicare Supplement Broker?