TKI Navigators

TKI Navigators TKI Navigators helps individuals turning 65, retiring, or reviewing Medicare plans in DE, FL, PA, NJ, OH & SC.

We simplify Medicare, explain Advantage, Supplements, and Part D plans to help you avoid penalties and save on costs I am a local Medicare insurance broker who has lived, worked and played in the Greater Philadelphia area for the past 35 years. I reside in Washington Township in Gloucester county with my wife and two children. I have spent the first 20 years of my career building, supporting, mar

keting and managing health insurance plans and programs for employers and individuals while working in large national health insurance plans. The majority of my career has been focused on serving the senior population and other individuals with Medicare coverage in New Jersey and Pennsylvania. I opened my agency to serve the Medicare population by educating my clients on Medicare and their insurance options, supporting their journey from initial enrollment in Medicare to comparing and enrolling in additional coverage options like Medicare Supplement plans, Medicare Advantage plans and Prescription Drug Plans. As an independent agent I have a commitment to providing excellent service to my clients through out the year and believe that is the foundation to creating lifelong relationships and positive referrals within my community.

Medicare premiums are based on a standard rate, but individuals with higher incomes may pay more. This adjustment is bas...
05/29/2026

Medicare premiums are based on a standard rate, but individuals with higher incomes may pay more. This adjustment is based on your tax return from two years prior. If your income has recently dropped due to retirement, you can request a reassessment.

If you leave your job, you might be offered COBRA to continue your health insurance. It is important to know that Medica...
05/27/2026

If you leave your job, you might be offered COBRA to continue your health insurance. It is important to know that Medicare does not view COBRA as active employment coverage. Relying on COBRA instead of enrolling in Medicare can cause complications later.

When choosing a healthcare provider, it is helpful to ask if they accept Medicare assignment. This agreement means they ...
05/25/2026

When choosing a healthcare provider, it is helpful to ask if they accept Medicare assignment. This agreement means they will not charge you more than the approved rate for their services. It keeps your out-of-pocket costs predictable and limits excess billing.

If you continued working and had employer coverage past your 65th birthday, you do not have to wait for the standard ann...
05/22/2026

If you continued working and had employer coverage past your 65th birthday, you do not have to wait for the standard annual enrollment periods. Leaving your job grants you an eight-month window to enroll in Medicare. This timeline begins the month after your employment or group coverage ends.

You might hear the term creditable coverage when discussing prescription plans. This simply means the coverage you curre...
05/20/2026

You might hear the term creditable coverage when discussing prescription plans. This simply means the coverage you currently have from an employer is expected to pay at least as much as standard Medicare. Having this type of coverage allows you to delay Medicare without issue.

Medicare is a national program, but your specific coverage options often depend on your local zip code. If you move out ...
05/18/2026

Medicare is a national program, but your specific coverage options often depend on your local zip code. If you move out of your current area, you may need to update your coverage to match your new location. Keeping your address current ensures your mail and coverage remain intact.

During your first twelve months on Medicare, you are eligible for a specific preventive visit. This appointment helps yo...
05/15/2026

During your first twelve months on Medicare, you are eligible for a specific preventive visit. This appointment helps your doctor establish a baseline for your health and review your medical history. It is a good way to start your new coverage.

Many people choose to delay taking their Social Security benefits past age 65. When you do this, your Medicare premiums ...
05/13/2026

Many people choose to delay taking their Social Security benefits past age 65. When you do this, your Medicare premiums are billed directly to you every three months. You can also set up an automatic monthly payment from your bank account.

If you are already receiving your Social Security retirement benefits, your Medicare enrollment happens automatically. Y...
05/11/2026

If you are already receiving your Social Security retirement benefits, your Medicare enrollment happens automatically. You will receive your red, white, and blue card in the mail a few months before your birthday. Those not taking Social Security yet will need to enroll manually.

Health Savings Accounts have specific rules when you transition to Medicare. You can still use the money already in your...
05/08/2026

Health Savings Accounts have specific rules when you transition to Medicare. You can still use the money already in your account to pay for medical expenses. However, the IRS does not allow you to add new funds once your Medicare coverage begins.

Address

Washington Township
Gloucester County, NJ
08080

Opening Hours

Monday 9am - 9pm
Tuesday 9am - 9pm
Wednesday 9am - 9pm
Thursday 9am - 9pm
Friday 9am - 9pm
Saturday 9am - 5pm

Telephone

+18568891458

Website

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