Local knowledge
I understand Ocean County doctors, hospitals, and plan networks.
Personalized Medicare guidance from a local independent broker.
Get clear, one-on-one guidance from a local independent Medicare broker who puts your needs first.
Choosing Medicare coverage can feel overwhelming. There are different plan types, provider networks, benefits and costs to consider. I help Ocean County residents compare their choices side by side.
Whether you’re new to Medicare, reviewing your current coverage, or helping a loved one, you’ll receive straightforward answers and patient guidance.



Explore the Medicare coverage available where you live.

My name is Mike Miligi. I’m an independent insurance broker serving Medicare beneficiaries throughout Ocean County and New Jersey. I make Medicare simple by explaining your options clearly and helping you find coverage that fits your needs.
You do not have to navigate Medicare alone. Here is what you can expect when we work together.
Simple, personal guidance at every step.
Simple, personal guidance at every step.
Simple, personal guidance at every step.
Simple, personal guidance at every step.
I understand Ocean County doctors, hospitals, and plan networks.
Compare choices from leading carriers without pressure.
Get help after enrollment whenever questions come up.
Medicare Advantage plans may offer benefits beyond Original Medicare. Availability varies by county and plan.
Many local plans offer affordable monthly premiums.
Routine exams, cleanings and additional dental benefits.
Eye exams and allowances for glasses or contacts.
Allowances toward everyday health and wellness items.
Fitness benefits can help you stay active and healthy.
Coverage may include exams and hearing aid allowances.
Some plans include rides to approved medical appointments.
Certain plans offer meals after a qualifying hospital stay.
Finding the right fit starts with a few important questions.
I’ll compare the details and explain them in plain language.
Medicare Supplement coverage can help pay certain costs that Original Medicare does not cover.
Broad coverage for many out-of-pocket costs after Medicare pays its share.
Lower premiums with some cost sharing for office and emergency visits.
A lower-premium option with a yearly deductible before benefits begin.
Rates and underwriting can differ even when standardized benefits do not.
Prescription coverage deserves careful review because formularies, pharmacies and costs can change.
Medications are grouped into tiers that determine your share of the cost.
There is no cost for my help and no obligation to enroll.
Review and change Medicare Advantage or prescription drug coverage.
Make one change if you are already enrolled in Medicare Advantage.
Your seven-month window around your 65th birthday.
★★★★★“Mike made Medicare easy to understand. He was patient, thorough, and helped me feel confident in my choice.”
★★★★★“I had so many questions and Mike answered every one. The personal service was exceptional.”
★★★★★“A knowledgeable local resource who truly listens. I recommend Mike to anyone approaching Medicare.”
Clear answers to common Medicare questions.
Not always. Your choices depend on the plan and whether your doctors participate in its network.
Support for more than Medicare decisions.
Protection designed to help provide security for the people you love.
Explore options that may help protect your savings and independence.
Simple coverage that can help with funeral and other final costs.
Learn how an annuity may support predictable retirement income.
Personal guidance for Medicare, life insurance and retirement planning.