WFI Healthcare AgencyInsurance
Medicare Advantage/PDP
- Medicare Plans
Compare the two Medicare paths — Original Medicare + Medigap + Part D, or Medicare Advantage — with enrollment help across NJ, NY, and GA.
- Medicare Advantage Plans
A private-plan alternative to Original Medicare that bundles Part A, B, and usually D — often with dental, vision, and hearing.
- Medicare Part D (Prescription Drug)
Medicare prescription drug coverage — standalone or bundled in Advantage. The donut hole is gone; 2026 out-of-pocket is capped at $2,100.
Regulatory disclosure
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
D-SNP
- Dual Special Needs Plans (D-SNP)
A Medicare Advantage plan for people with both Medicare and Medicaid — combining benefits, drug coverage, and Medicaid coordination, usually at $0 premium.
Regulatory disclosure
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Medicare Supplement
- Medicare Supplement (Medigap)
Private insurance that pays what Original Medicare leaves behind — deductibles, coinsurance, copays. Standardized by letter; see any provider nationwide.
ACA Individual
- ACA Special Enrollment & Life Events
Qualifying life events open a special enrollment window outside open enrollment — what counts, how long you have, and the documentation you'll need.
- ACA/Individual & Family Health Insurance
Individual & family health coverage through the ACA marketplace across NJ, NY, and GA — metal tiers, income-based subsidies, and the 2026 subsidy-cliff change.
Small-Group
- HRA, HSA & FSA Options (Group)
QSEHRA, ICHRA, HSA, and FSA compared for 2026 — the four pre-tax vehicles employers use to fund employee health costs.
- Level-Funded Group Plans
A middle path between fully insured and self-funded: a fixed monthly claims budget priced on your own group, with stop-loss capping the downside.
Ancillary
- Dental & Vision
Standalone dental & vision plans for individuals, families, seniors, and employers across NJ, NY, and GA — separate from your medical coverage.
Life
- Long Term Care, Critical Illness & Life Insurance
Life, disability, long-term care, and critical-illness coverage — the policies that protect income and family security beyond medical bills.