Independent Medicare Brokers Serving Long Island, NY
We know Long Island isn't the Hudson Valley. The commute is different, the carrier mix is different, and the Medigap premiums are different. Medicare Resource Group has brokers embedded in Nassau and Suffolk counties who work the same way the rest of our team does — independently, at no cost to you, comparing every major plan without pressure.
Why Long Island Adults Are Looking for a Local Medicare Broker
Aging off an employer plan in Great Neck or Garden City looks different than it does upstate. Long Island's corporate commuter belt means a higher-than-average concentration of adults who've had solid employer coverage for decades and are now navigating Medicare for the first time — often on a compressed timeline. The stakes are real, and the window to enroll without penalties is narrow.
What most people find when they start searching is a wall of 1-800 numbers, lead-farm websites, and out-of-state call centers with no knowledge of Nassau or Suffolk County plan availability. Our Long Island brokers are here to cut through that.
An Independent Broker Means No Carrier Loyalty — Only Yours
We hold contracts with every major carrier available on Long Island, which means we can put Humana, UnitedHealthcare, Aetna, Cigna, Empire, and others side by side and show you exactly what each plan costs and covers. Our compensation is carrier-regulated and identical regardless of which plan you choose, so there's no financial reason for us to steer you anywhere.
Medicare Advantage Plans Available in Nassau and Suffolk Counties
Long Island sits in one of the most competitive Medicare Advantage markets in New York. Nassau and Suffolk counties have strong plan availability from multiple carriers, with $0-premium options that include dental, vision, and hearing benefits. The right plan depends on your doctors, your prescriptions, and how often you use care — and that's exactly what a sit-down review with one of our brokers is designed to work through.
Medigap Premiums on Long Island: What the Community-Rating Structure Means for You
New York is a guaranteed-issue, community-rated state, which means insurers cannot charge you more based on your age or health history. But premiums do vary by zip code, and Long Island zip codes — spanning the 110, 115, 116, 117, 118, and 119 ranges — carry their own premium tier that runs higher than upstate New York but is consistent across carriers for the same plan type.
That consistency is actually useful. Because every carrier charges community-rated premiums for the same Medigap plan, the differences come down to price, household discounts, and carrier stability — factors our brokers can walk you through directly.
Communities We Serve Across Long Island
Our broker network covers Nassau and Suffolk counties, with clients across:
- Great Neck and the North Shore communities
- Garden City, Mineola, and the Nassau County corridor
- Huntington, Smithtown, and Hauppauge
- Babylon, Bay Shore, and the South Shore
- Commack, Melville, and central Suffolk County
- The East End, including Riverhead and surrounding areas
How We Work With Long Island Clients
Every engagement starts the same way: a free, no-obligation consultation with one of our Long Island brokers. We review your current coverage, your doctors and medications, and your budget. Then we walk you through every plan that fits — Medicare Advantage and Medicare Supplement options side by side — so you can make a decision based on real information, not a sales pitch.
There's no cost to you at any point. Our brokers are compensated directly by the carriers at a rate set by regulation, and that rate doesn't change based on which plan you choose.
Medicare Supplement Plans for Long Island Residents
Medigap is often the right fit for Long Island residents who want predictable costs and the freedom to see any Medicare-accepting doctor in the country — important for those who split time between New York and Florida, or who travel frequently. Our brokers compare Plan G, Plan N, and High-Deductible Plan G from every carrier writing policies in your zip code.
For a full breakdown of how these plans compare, our Medicare Supplement page walks through the structure of each option. If you're weighing Medigap against Medicare Advantage, the Advantage vs. Supplement comparison is a useful starting point before your consultation.
Common Questions From Long Island Medicare Shoppers
Does Medicare Resource Group have brokers who actually work on Long Island, or is this a remote service?
We have brokers in our network who serve Nassau and Suffolk counties directly. Consultations can be done in person, by phone, or virtually — whatever works best for you.How much does it cost to work with a Medicare broker on Long Island?
Nothing. Medicare brokers are compensated by the insurance carriers at a rate set by regulation. That rate is identical regardless of which plan you enroll in, so there's no cost to you and no financial incentive for us to favor one plan over another.Are Medicare Advantage plans available in Nassau and Suffolk counties for 2026?
Yes. Long Island has strong Medicare Advantage plan availability from multiple major carriers in both Nassau and Suffolk counties. Specific plans, premiums, and networks change each year during Annual Enrollment Period (October 15–December 7), which is why an annual review with a broker matters even if you're happy with your current plan.I'm turning 65 and losing my employer coverage. What should I do first?
Start by scheduling a free consultation at least two to three months before your coverage ends. Your Initial Enrollment Period opens three months before your 65th birthday, and enrolling on time avoids late-enrollment penalties that can follow you permanently. A broker can map out your specific window and help you compare every plan available in your zip code before you make any decisions.
You Found a Local Broker. Here's What Happens Next.
Most Medicare websites that show up in a local search aren't actually local. They're national lead-generation platforms that collect your information and distribute it to dozens of agents you've never met. We're not that. Medicare Resource Group is an independent brokerage with a real office in the Hudson Valley and brokers who live and work in the communities we serve — including yours.
When you reach out, you'll hear from someone who knows the carriers available in your area, understands the local doctors and hospital networks your plan needs to cover, and has no financial incentive to recommend one plan over another. Our service is completely free to you, start to finish.