Turning 65? Getting Ready to Join Medicare?
Making Medicare Simple. Personalized guidance at no cost to you.
A no-cost Medicare education session
Typically lasts 45 to 60 minutes, via phone, Zoom, or in person.
We talk it through
I answer all your Medicare questions and explain Medicare using the Federal Medicare and You guide.
We review your options
I evaluate the different coverage options and help you understand what you'll pay, and in the future.
You decide with confidence
I present what you need for an informed decision, plus New Jersey senior programs and benefits you may qualify for.
My name is Jo Gallo
I am a seasoned, Licensed Medicare Broker who has dedicated years to helping people understand Medicare and confidently navigate the many choices available. I simplify the process, answer your questions, and make sure you have the knowledge you need to make informed decisions.
Whether joining just Part A or both Parts A & B, you will understand the parts of Medicare, the plans available to you, and the options that best fit your healthcare needs, lifestyle, and budget. My commitment is to provide honest guidance, personalized service, and the information you need to make confident decisions about your Medicare coverage — today and into the future.
Official government resources and essential Medicare forms to help you research on your own time
Social Security (SSA.gov)
Create your account to manage your benefits and monitor your enrollment status.
Medicare.gov
The official site to research plans and compare coverage.
CMS-40B — Application for Part B
Download the official form to apply for Medicare Part B.
Serving New Jersey seniors with honest, professional, and cost-effective Medicare solutions.
Education First
I explain Medicare in clear, simple language.
Annual Reviews
Let's review your plans every year to protect your wallet.
Ready to Schedule Your Session?
Call us now 908-433-5774
Personalized Education & Guidance at No Cost to You
Medigap plans are standardized, so a Plan G is the same Plan G no matter which insurance company issues it. If you’re paying more than necessary for your current supplement, it may be worth seeing if another carrier offers the same coverage at a lower monthly premium — without giving up any benefits.
Every fall, Medicare Advantage and Part D members receive an ANOC outlining changes for January 1 — premiums, deductibles, copays, provider networks, and drug coverage. Even if you’ve been happy with your plan, it’s worth reviewing so you avoid unexpected costs.
If you’re turning 65 and plan to keep working with employer coverage, you may only need Part A — often premium-free. I’ll walk you through your enrollment window, setting up your Social Security account, and applying for Part A while you keep your employer plan.
Licensed Medicare Broker
