Does it cost anything to use a Medicare agent?

No. There is no cost to you to work with a licensed independent agent. Agents are paid by the insurance carrier, and your premium is the same whether you use an agent or enroll on your own.

When can I enroll in Medicare?

When you turn 65 you get a 7-month Initial Enrollment Period around your birthday month. Each fall there is the Annual Enrollment Period, October 15 to December 7. There is also a Medicare Advantage Open Enrollment Period January 1 to March 31, and Special Enrollment Periods for qualifying life events.

What is the difference between Medicare Advantage and a Medicare Supplement?

Original Medicare (Parts A and B) can be paired with a Medicare Supplement (Medigap) plus a separate Part D drug plan. A Medicare Advantage plan (Part C) bundles your coverage through a private plan, often including drug coverage. Each approach has trade-offs, and the right fit depends on your doctors, medications, and budget.

Medicare Help · New York

Medicare, made simple.

Turning 65, or want a second look at your current plan? Jorge is a licensed, independent, local agent who explains your Medicare options in plain English or Spanish, and helps you choose, at no cost to you.

Get Free Medicare Help Call (917) 943-2870

No cost, no pressure, no obligation · Local to Queens & NY · Se habla español

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The four parts, in plain English

Medicare is federal health coverage for people 65+ (and some younger people with certain conditions). It comes in four parts, and understanding them is most of the battle.

Part A — Hospital. Inpatient hospital stays, skilled nursing, some home health. Most people pay no premium for it.
Part B — Medical. Doctor visits, outpatient care, preventive services. Has a monthly premium.
Part C — Medicare Advantage. An all-in-one plan from a private carrier that bundles A and B, usually with Part D, sometimes extras.
Part D — Prescription drugs. A separate drug plan (or built into an Advantage plan).

You don't need to memorize the alphabet. That's my job. You just need to know what fits your doctors, your medications, and your budget.

Your Two Main Paths

Two ways to put it together

Most people choose one of these. Neither is "best," the right one depends on you.

Path 1

Original Medicare + Medigap + Part D

Keep Original Medicare (A & B), add a Medicare Supplement (Medigap) to help with out-of-pocket costs, and a stand-alone Part D drug plan. Widest doctor access; a predictable, higher monthly cost.

Path 2

Medicare Advantage (Part C)

Get your coverage through one private plan that bundles A, B, and usually D, often with extra benefits. Typically lower monthly cost with network and referral rules. Availability is county-specific.

On a free call, Jorge looks at your doctors, prescriptions, and budget, then compares the plans available where you live so you can choose with confidence.

Why Work With Jorge

A local guide, not a call center

No cost to you — you never pay to work with an agent; your premium is the same either way
Independent — Jorge compares the plans available in your area, not one company's pitch
Local — based in Flushing, he knows the New York carriers, networks, and doctors
Bilingual — clear help in English or Spanish, se habla español
Year-round — questions don't only happen in the fall; Jorge is here all year
Honest — if your current plan is already the right fit, he'll tell you

When You Can Enroll

The windows that matter

Timing is one of the few places a mistake can cost you. Here are the big ones.

Turning 65

Initial Enrollment

A 7-month window around your 65th birthday month. The best time to get it right the first time.

Every Fall

Oct 15 – Dec 7

The Annual Enrollment Period. Anyone on Medicare can review and change plans for the coming year.

Life Changes

Special Periods

Moving, losing other coverage, or other qualifying events can open a Special Enrollment Period just for you.

Not sure which window you're in? That's the first thing Jorge will help you figure out, free.

Common Questions

Medicare, answered

No. There's no cost to you to work with a licensed independent agent. Agents are paid by the carrier, and your premium is the same whether you use an agent or enroll on your own.

Neither is universally "better." A Supplement (with Original Medicare and a Part D plan) offers the widest doctor access at a higher, predictable cost. Medicare Advantage bundles coverage at typically lower cost with network rules. Jorge helps you weigh your doctors, drugs, and budget.

Often, yes. Plans change every year, your doctors and prescriptions change, and a plan that fit last year may not this year. A quick review during the Annual Enrollment Period is free and can save real money, or confirm you're already in the right place.

Yes. Jorge helps families in both English and Spanish. Se habla español, con gusto.

Jorge is based in Flushing and focuses on Queens and the greater New York area, and is licensed across NY, NJ, and GA. Medicare Advantage and drug-plan availability is county-specific, so he'll confirm what's offered where you live.

Free, local, no-pressure Medicare help

Get a clear, honest look at your options from someone who lives and works right here. No cost, no obligation.

Get Free Medicare Help Call Jorge — (917) 943-2870

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 (TTY 1-877-486-2048), 24 hours a day / 7 days a week, to get information on all of your options. Joram Castle Group and Jorge Castillo are not connected with or endorsed by the U.S. government or the federal Medicare program. This is a solicitation for insurance; a licensed agent may contact you. Educational information only, not medical, legal, or tax advice. Jorge Castillo · Joram Castle Group · NPN 4654668.