Business Details
Your Trusted Medicare Insurance Agent in Toms River, NJ
AG Capital Insurance Services is an independent licensed insurance agency dedicated to helping individuals navigate Medicare options with personalized, no-cost guidance. Our team specializes in Medicare Advantage, Supplement, and Prescription Drug Plans, ensuring clients find coverage that aligns with their health needs and budget. With over two decades of experience, we prioritize transparency, integrity, and client education, offering one-on-one appointments to review plan details, limitations, and enrollment timelines.Our commitment to excellence has earned us a reputation as a trusted resource for Medicare solutions in New Jersey and Florida. We work with leading carriers to simplify complex insurance choices, focusing on long-term client relationships built on trust and expertise.
Services
Medicare Advantage Plans
Medicare Supplement Insurance
Prescription Drug Plans
Final Expense Coverage
Hospital Indemnity Plans
Cancer/Heart Attack/Stroke Coverage
Highlights and features
- We offer free, personalized Medicare plan consultations with licensed agents.
- Our team represents most major Medicare Advantage & Supplement plans in your area.
- We provide detailed explanations of plan limitations and enrollment timelines.
- Our founder has 20+ years of experience as a top Medicare producer nationally.
- We guarantee no hidden fees or obligations during our plan review process.
Services
Medicare Advantage Plans
We help clients evaluate Medicare Advantage Plans that combine hospital, medical, and prescription coverage. Our agents compare network providers, out-of-pocket costs, and additional benefits like dental or vision care. We ensure plans align with your medication needs and budget while explaining enrollment eligibility and annual election periods.
Medicare Supplement Insurance
Our team explains how Medicare Supplement Plans cover out-of-pocket costs like deductibles and copays. We analyze Plan F, G, and N options to find the best fit for your financial protection. We clarify how these plans work with Original Medicare and help you understand premium variations between carriers.
Prescription Drug Plans
We review Medicare Prescription Drug Plans to ensure your medications are covered at the lowest cost. Our agents compare formularies, pharmacy networks, and coverage gaps. We help clients qualify for Extra Help programs to reduce drug expenses and explain late enrollment penalties for Part D.
Final Expense Coverage
We offer simplified-issue life insurance policies to cover end-of-life expenses. Our agents explain policy limits, premium structures, and underwriting requirements. We help clients protect loved ones from financial burdens while ensuring coverage complements existing Medicare benefits.
Hospital Indemnity Plans
Our team explains hospital indemnity insurance that pays cash benefits for covered hospital stays. We compare plans that provide financial protection for unexpected medical events like heart attacks or strokes. We clarify how these plans work alongside Medicare to offset out-of-pocket costs.
People
Anthony P. Denisi
Founder / CEO
Rutgers graduate and U.S. Marine Corps veteran with 20+ years of experience as a top Medicare producer. Serves over 2,000 clients with personalized insurance solutions and maintains a client-first approach focused on integrity and community service.
Adam Sidoti
Licensed Insurance Agent
Certified Medicare specialist serving Florida and New Jersey since 2016. Expertise in simplifying complex insurance options while representing major carriers. Focuses on making Medicare education accessible and actionable for all clients.
Questions
How do you help find the right Medicare plan?
We conduct personalized consultations to compare your medication needs, budget, and preferred providers against all available plans. Our no-cost service includes detailed explanations of coverage gaps and enrollment timelines.
Are your services really free?
Yes. We receive compensation from insurance carriers when you enroll, so there's no direct cost to you. Our guidance includes plan comparisons, enrollment assistance, and ongoing support at no obligation.
What Medicare plans do you offer?
We represent most major Medicare Advantage, Supplement, and Prescription Drug Plans in New Jersey and Florida. We also offer Final Expense, Hospital Indemnity, and Critical Illness coverage through top-rated carriers.
How do I qualify for lower drug costs?
We help determine eligibility for Medicare's Extra Help program, which reduces Part D premiums, deductibles, and copays. Qualification depends on income and resources, with special rules for married couples and homeowners.
What are Medicare enrollment periods?
The Initial Enrollment Period starts 3 months before your 65th birthday. The Annual Election Period runs October 15–December 7 for plan changes. Special Enrollment Periods apply for qualifying life events like moving or losing coverage.
