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Saratoga Medicare Advisors

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Saratoga Medicare Advisors

Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Saratoga Medicare Advisors, Insurance broker, 7 East Main Street, Moorestown, NJ.

Our mission is to provide our clients with clear and objective advice to help them understand their options and make informed decisions when it comes to their Medicare coverage.

10/29/2026

The lowest Medicare Part D premium is not always the lowest cost.

When you compare prescription drug plans, it is easy to focus on the monthly premium. A plan that costs $10 per month can look like a better deal than one that costs $40 per month.
But the premium is only one part of the picture.

Your actual prescriptions, copays, and pharmacy can completely change which plan gives you the best value.
A lower premium plan could still cost more if:

✅ Your medication has a higher copay

✅ Your pharmacy is not preferred

✅ A prescription is placed in a higher tier

✅ A medication is not covered by the plan

The number that matters is your estimated total annual cost.
That includes your monthly premium plus what you are expected to pay for your prescriptions throughout the year.
During Annual Enrollment, do not only ask, “Which plan has the lowest premium?”

Ask, “Which plan is projected to cost me the least overall while properly covering my medications?”
At Saratoga Medicare Advisors, we help you compare Part D plans based on your medications, pharmacy, and expected yearly costs.
Message us “Part D” or call 856 263 3152 for a complimentary prescription drug plan review.

saratogamedicareadvisors.com

10/27/2026

The lowest Medicare Part D premium is not always the lowest cost.

When comparing prescription drug plans, it is easy to focus on the monthly premium. But a lower premium does not automatically mean a plan will cost less over the full year.

Your actual medication list and pharmacy can make a major difference.
A plan with a lower premium could still cost more if:

✅ Your prescription copays are higher

✅ Your pharmacy is not preferred

✅ A medication is in a higher coverage tier

✅ A prescription is not covered by the plan

The number that matters is your estimated total annual cost.
That includes your monthly premium plus what you are expected to pay for prescriptions throughout the year based on the medications you take and where you fill them.

During Annual Enrollment, do not just ask, “Which plan has the lowest premium?”
Ask, “Which plan is projected to cost me the least overall while properly covering my medications?”
At Saratoga Medicare Advisors, we help you compare Part D plans based on what matters most to you.
Message us “Part D” or call 856 263 3152 for a complimentary prescription drug plan review.

saratogamedicareadvisors.com

10/22/2026

If you have a Medicare Advantage plan, your Annual Enrollment review should include more than just your prescriptions.
Your plan can make changes from one year to the next, even when you are happy with your current coverage.
For 2027, take a few minutes to review:

✅ Your monthly premium

✅ Your medical copays

✅ Your prescription drug coverage

✅ Your provider network

✅ Your plan benefits

✅ Your maximum out of pocket amount

Your doctors, pharmacy, benefits, copays, and overall costs all play a role in whether your current plan is still the right fit.

This does not mean you need to change plans every year. Sometimes the best decision is to keep your current plan.
The important thing is to make that decision after reviewing your options, not after finding out about a change in January.

At Saratoga Medicare Advisors, we help you compare your coverage and understand what is changing so you can make a confident decision for 2027.

Message us “AEP” or call 856 263 3152 for a complimentary plan review.

saratogamedicareadvisors.com

10/20/2026

It is easy to understand why. Your plan worked well this year. Your prescriptions were covered. Your doctors were in network. So why change anything?

The answer is, you may not need to change.
But Medicare Advantage and Part D plans can change from year to year.
Your monthly premium may change. Your prescription formulary may change. Your copays may change. Your preferred pharmacy could change. And with Medicare Advantage, your medical benefits, provider network, and maximum out of pocket amount can change too.
The goal is not to switch plans every year. Sometimes the best decision is to keep exactly what you have.

The important part is making that decision after reviewing your coverage, not simply because you missed what changed.
Take a few minutes during Annual Enrollment to compare your current plan with your needs for 2027. Review your prescriptions, doctors, pharmacy, copays, and overall costs.

Do not wait until January to discover a change you could have reviewed during Annual Enrollment.
At Saratoga Medicare Advisors, we help make Medicare simpler. We will review your coverage and help you determine whether your current plan is still the right fit.
Message us “AEP” or call 856 263 3152 for a complimentary Medicare plan review.

saratogamedicareadvisors.com

10/15/2026

🚨 Medicare Annual Enrollment is officially open.
But before you rush to make a change, take a breath.

You have until December 7 to review your Medicare coverage for 2027. You do not have to change your plan just because Annual Enrollment has started.

What you should do is review what may be changing.
If you have a Medicare Advantage plan, check your:

✅ Monthly premium

✅ Copays

✅ Maximum out of pocket costs

✅ Prescription drug coverage

✅ Doctor network

✅ Plan benefits

If you have Original Medicare with a Medicare Supplement, your supplement may not be the part that needs attention during Annual Enrollment. But your Part D prescription drug plan absolutely deserves a review.

Part D plans can change their premiums, covered medications, pharmacy networks, and prescription costs from one year to the next.

And remember, the lowest monthly premium is not always the lowest cost for the full year. Look at what the plan is projected to cost based on your medications and pharmacy.
Do not panic. Do not rush. But do not ignore your review.

At Saratoga Medicare Advisors, we help you understand what is changing and determine whether your current coverage still makes sense for 2027.

Message us AEP or call (856) 263 3152 for a complimentary Medicare plan review.

saratogamedicareadvisors.com

10/13/2026

🚨 Medicare Annual Enrollment starts Thursday, October 15.
But before you rush to make a change, take a breath.

You have until December 7 to review your coverage and make changes for the 2027 plan year. You do not have to change your plan just because Annual Enrollment has started.

What you should do is review what may be changing.
If you have a Medicare Advantage plan, check:

✅ Monthly premium

✅ Copays and maximum out of pocket costs

✅ Prescription drug coverage

✅ Whether your doctors are still in network

✅ Added benefits that may be changing next year

If you have Original Medicare with a Medicare Supplement, be sure to review your Part D prescription drug plan. Part D plans can change their premiums, covered medications, pharmacy networks, and what you pay for prescriptions.

And remember, do not look only at the monthly premium. The best plan is often the one projected to cost you the least for the full year based on your medications and pharmacy.

Changes made during Annual Enrollment generally take effect January 1.
Do not panic. Do not rush. But do not ignore your coverage review.

At Saratoga Medicare Advisors, we help you understand what is changing and determine whether your current plan still makes sense for the year ahead.

Message us “AEP” or call 856-263-3152 for a complimentary Medicare plan review.

saratogamedicareadvisors.com

10/08/2026

No prescriptions? Do you still need Medicare Part D?
You are not required to enroll in a Medicare Part D prescription drug plan just because you have Medicare.

But there is an important rule to understand before you decide to skip coverage.

If you go 63 days or more without Part D or other creditable prescription drug coverage, you may face a Part D late-enrollment penalty when you enroll later.

That penalty is generally not a one-time fee. It can be added to your monthly Part D premium for as long as you have Medicare drug coverage.

And even if you do not take prescriptions today, your medication needs can change unexpectedly.

Before you decide Part D is not necessary, check whether you have creditable coverage through another source, such as an employer or union plan, TRICARE, VA benefits, or the Indian Health Service.

Your current plan should be able to tell you whether its prescription coverage is considered creditable by Medicare.

For some people, a low-cost Part D plan is not just about medications today. It is about protecting against a future coverage gap and a potential late-enrollment penalty.

At Saratoga Medicare Advisors, we help you understand your Medicare options before small decisions become expensive surprises.

Message us “PART D” or call 856-263-3152 to discuss your Medicare prescription drug coverage.

saratogamedicareadvisors.com

10/06/2026

It is a question we hear all the time.
You are not required to enroll in Medicare Part D simply because you are enrolled in Medicare. But before you decide to skip prescription drug coverage, it is important to understand the long-term consequences.

If you go 63 days or more without Medicare Part D or other creditable prescription drug coverage, you may face a late enrollment penalty when you decide to enroll later.

That penalty is not usually a one-time fee. It is generally added to your monthly Part D premium for as long as you have Medicare drug coverage.
And even if you do not take medications today, your needs can change unexpectedly.

For many people, an affordable Part D plan is not just about the prescriptions they take now. It can also help protect against future needs and a possible late enrollment penalty.

Before you skip Part D, make sure you know whether you have other creditable drug coverage through an employer, union, TRICARE, VA benefits, or another source.

At Saratoga Medicare Advisors, we help you understand your Medicare options so you can make confident decisions for today and the future.
Message us “PART D” or call 856-263-3152 to discuss your Medicare prescription drug coverage.

saratogamedicareadvisors.com

10/01/2026

On Medicare and wondering whether a GLP-1 medication like Wegovy or Zepbound could be more affordable?

A temporary Medicare program may help eligible beneficiaries access certain GLP-1 weight-loss medications for $50 per month.

It is called the Medicare GLP-1 Bridge Program, and it is available to certain people with Medicare drug coverage through December 31, 2027.

You may qualify based on your BMI and certain health conditions. Your doctor or health care provider will need to determine whether you meet the requirements and may need to complete prior authorization.

Here are a few important details:
✅ The program is for eligible Medicare Part D beneficiaries

✅ The cost is $50 for a one-month supply of a covered medication

✅ The $50 copay does not count toward your regular Part D deductible or annual out-of-pocket limit

✅ Your doctor is the best place to start if you think you may qualify

Medicare rules and prescription drug coverage can be confusing. At Saratoga Medicare Advisors, we help people better understand their Medicare options and drug coverage.

Message us “GLP-1” or call 856-263-3152 with questions about your Medicare coverage.

saratogamedicareadvisors.com

09/29/2026

If you are on Medicare and have been told medications like Wegovy or Zepbound are not covered for weight loss, there is a new program you should know about.

The Medicare GLP-1 Bridge Program may give eligible people with Medicare Part D access to certain GLP-1 medications for $50 per month.

This temporary Medicare program began July 1, 2026, and is currently scheduled to run through December 31, 2027.
Not everyone will qualify. Your doctor or health care provider must prescribe an eligible medication and may need to complete prior authorization. Eligibility is based on your BMI and certain health conditions.
For example, you may qualify if you have:

✅ A BMI of 35 or higher

✅ A BMI of 30 or higher with certain qualifying health conditions

✅ A BMI of 27 or higher with certain qualifying conditions, such as prediabetes, a prior heart attack or stroke, or peripheral artery disease

Important to know: the $50 monthly copay is part of a separate Medicare program. It does not count toward your regular Part D deductible or annual out of pocket limit.

If you think you may qualify, start by talking with your doctor.

For help understanding how Medicare coverage may affect your prescription drug options, contact Saratoga Medicare Advisors at 856-263-3152 or visit saratogamedicareadvisors.com.

Address

7 East Main Street
Moorestown, NJ
08057

Opening Hours

Monday	8am - 6pm
Tuesday	8am - 6pm
Wednesday	8am - 6pm
Thursday	8am - 6pm
Friday	8am - 4pm

Website

http://saratogamedicareadvisors.com/

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