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Experienced Insurance Guideance

Get Personalized Support That Takes the Stress Out of Insurance

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Hello, I’m Tom Schiavone.

I’m an Independent Insurance Broker and Founder of Get Medicare Smart

I built my Agency on the idea people deserve a trusted guide when working to navigate the world of insurance, and especially the confusing maze of Medicare. As a truly independent brokerage, our loyalty is to the customer and not the insurance company. I specialize in helping people to cut through the confusion, and find the best plan for their needs, at the best price. You can feel confident in knowing that you have made the right decision for you when it comes to your Medicare and health insurance. We are currently licensed in 5 states, and our service is completely free of charge.

 

Tom currently resides in Oceanport, NJ with his wife of 36 years.

Our Service Is 100% Free.

Why Use An Independent Broker?

  • We shop 30 + insurance companies to help you find the best plan at the best price. The rates we provide are the same exact rates offered by going direct to the insurance company.
  • Annual Policy Review and Rate Check to assure you’re always on the best policy for your needs with the lowest premium.
  • Service your account year-round, including solving problems with billing, eligibility and claims.
  • Ease the burden on your time by doing the “legwork” for you.
  • Assist with the renewal process and keep you updated on any government-level changes that can affect your coverage.
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Still unsure?

 

The Right Plans for Your Needs.

We recognize that your needs and situation are unique. We spend the time to get to know you to make sure that you get coverage and support that fits your lifestyle. 

Medicare Advantage

Medicare Advantage plans are new health care options that are part of the Medicare program. Coverage may include Medicare Part D prescription drug coverage as well as hospital, doctor, skilled nursing, and other medical services.

Medicare Supplement

A Medicare Supplement (Medigap) insurance, sold by private companies, can help pay some of the health care costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles.

Medicare Part D

Medicare Part D is the federal government's prescription drug program that covers both brand-name and generic prescription drugs at participating pharmacies in your area.

 

Individual Health Insurance

No one plans to get sick or hurt, but most people need medical care at some point. Health insurance covers these costs and protects you from very high expenses.

 

Term Life Insurance

Term life insurance coverage can be relatively easy to comparison shop. It simply covers you in the event that you die before the end of the term for which you are covered.

Dental Insurance

Proper dental care can be an important component of our well being. Dental coverage of some kind can help you ensure the health of your teeth and gums.

 

Long Term Care

As we age, the likelihood we will need some type of medical or personal care increases.  We may need long term care - a variety of services which help meet the medical and non-medical needs of people with a chronic illness or disability who cannot care for themselves for long periods of time.

Annuities

Unlike retirement plans, there is no limit to how much money you can put into an annuity! The number of annuity products on the market today can make selecting the most suitable annuity a confusing process.

 

 

Travel Insurance

If you are considering a trip overseas, don’t assume that just because you have excellent medical, auto, and home insurance that you will have the necessary insurance protection. 




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