Deadline
AEP opens October 15 — put it on the calendar now
The Annual Enrollment Period runs October 15 to December 7. Here is the only prep that matters, and it takes ten minutes.
Read itIndependent · NJ · NY · PA and 22 more states
Medicare is not complicated.It is just badly explained.
I am Erekle, an independent Medicare broker in New Jersey. I explain deadlines, doctors, prescriptions, and plan trade-offs in plain English — without pressure. Licensed in 25 states.
Or call (551) 202-9079 directly — no menus, no queue.
Calling this number will direct you to a licensed insurance agent.
Erekle Niniashvili
Independent Medicare Broker
- Licensed in 25 states
- NJ · NY · PA + 22 more states
Two dates, no pitch
Tell me your ZIP and the month you turn 65.
I'll send you the two deadlines that actually apply to you. No plan pitches, no phone calls unless you ask.
Latest
What is worth knowing this week
Short updates, posted often — deadlines coming up, rules that changed, and the myth I heard most this week.
Myth of the week
Myth of the week: Medicare pays for the nursing home
It is the most common and most expensive misunderstanding in retirement planning. Medicare covers skilled care, briefly, under conditions.
Read itReminder
If you are still working, go find one letter
Your employer has to tell you in writing whether its drug coverage is creditable. That letter is the cheapest insurance against a permanent penalty.
Read itSelf-serve tools
Get answers before you call
The free tools I use with clients, plus the guides I send people before we talk.
Not sure where to begin?
Answer two questions and I will point you to the right next step.
No plan recommendations, no data collection, and no pressure to contact me.
A quick way in
Where are you in the Medicare journey?
Why this site exists
Most Medicare advice is written by people who want you to stop reading and start dialing.
I went the other way. Everything here is written to be genuinely useful even if you never contact me — because if it is not useful, you have no reason to trust me with something this important.
I am independent, which means no carrier tells me what to recommend. And I am one person, which means the number on this page is my number.
Read my story →7 local areas
Bergen County, New Jersey, New York City, and Philadelphia.
25 states
Active health licenses across the listed states.
One person
You get me, not a rotating queue of strangers.
No fee to you
You never pay me, and you are never required to enroll in anything.
The library
The guides I actually send people
Written the way I would explain it at a kitchen table. Share any of them with whoever else is helping you decide.
Start here4 min read
3 things Medicare will never tell you (and one that will cost you for life)
Medicare will send you a handbook. It will not tell you which decisions are permanent, which deadlines have teeth, or which door closes behind you.
Read itFoundations3 min read
The four parts of Medicare, in plain English
A, B, C and D are not four things you buy. They are two things you get, one way to repackage them, and one thing you add. Here is the whole system in five minutes.
Read itDeadlines3 min read
Every Medicare deadline that actually matters, on one page
Four windows, two permanent penalties, and one date that catches almost everyone. Print this, or send it to whoever is helping you.
Read itOpinion3 min read
The question nobody asks until it is too late to matter
Everyone asks what a plan costs. Almost nobody asks the question that determines whether they will still be happy with the answer in three years.
Read itOpinion3 min read
Why that Medicare commercial annoys me so much
It is not the celebrity. It is that every single one of them is engineered to make you call before you understand what you are calling about.
Read itWant to talk it through?
That is the normal state of things. Call or text Erekle and talk it through — no script, no obligation, and no fee to you for the conversation.
Erekle Niniashvili
Independent Medicare Broker
You reach Erekle directly, not a call center. If he is with someone, leave a message or send a text and he will get back to you.