WFI Healthcare AgencyEnglewood Cliffs, NJ · Licensed in NJ · NY · GA
Independent coverage advice for New Jersey and New York.
We compare Medicare, individual, and small-group plans across the carriers we are appointed with — then stay with you through enrollment and every renewal after. Our help costs you nothing; carriers pay the commission, and your premium is identical whether you enroll through us or on your own.
Calling this number connects you with a licensed insurance agent at WFI Healthcare Agency LLC. There is no cost or obligation to speak with an agent.
Office hours
- Monday–Saturday: 9:30 AM–5:30 PM
- Independent agency
- NPN 1509247
- No obligation
Start where you are
Three doors. Pick the one that sounds like you.
Each path leads to the plan types you're actually eligible for — not a catalog of everything we sell.
- Medicare
You're turning 65, or already on Medicare
Advantage, Part D, D-SNP, and Medigap set side by side — checked against the doctors you see, the drugs you take, and the county you live in.
- Medicare Advantage & Part D
- Medicare Supplement (Medigap)
- D-SNP for dual-eligible members
- Individual & Family
You buy your own coverage
Marketplace and off-exchange plans in every state we are licensed in, with a straight answer on the subsidy you qualify for before you look at a single premium.
- ACA Marketplace plans
- Off-exchange options
- Subsidy and cost-sharing review
- Small Group
You're covering a small team
Fully-insured, level-funded, and reimbursement arrangements — plus an honest read on whether a group plan beats sending people to the marketplace.
- Small-group medical
- Level-funded plans
- HRA, HSA & FSA arrangements
The question everybody asks first
Can I enroll right now?
Most coverage has a door that opens once a year. Several have doors that open the day something changes in your life. Find your row.
- Yes · today
You're turning 65 within the next three months
Your Initial Enrollment Period runs the three months before your birthday month, that month, and the three after — seven months in all. It is the one window with no late penalty, and it is also when your six-month Medigap open enrollment begins, during which a carrier cannot turn you down for health reasons.
- Yes · 60 days
You lost job-based coverage, moved, married, or had a baby
A qualifying life event opens a Special Enrollment Period. For most marketplace events the clock runs 60 days from the event date — so call while it is open, not after it closes. Medicare has its own special enrollment windows, and several of them run longer.
- Yes · today
You have Medicaid, or Medicaid alongside Medicare
Dual-eligible members can change plans more often than once a year. Have your Medicaid approval letter handy when we talk — it determines which D-SNP plans you can be enrolled in.
- Oct 15
You're already on Medicare and want to switch plans
Annual Enrollment runs October 15 to December 7, for coverage starting January 1. If you are on a Medicare Advantage plan, you get one more chance to change between January 1 and March 31.
- Nov 1
You buy individual or family coverage on your own
Open Enrollment starts November 1. New Jersey and New York run their own marketplaces and stay open later into the new year than Georgia does, so the deadline that matters depends on where you live.
How it works
Four steps, and a phone call you don't have to prepare for.
- 1
A call, not a form
Twenty minutes. What you take, which doctors you would rather keep, and what you are paying now. Nothing sensitive goes through this website.
- 2
We narrow the field
Plans from the carriers we are appointed with, filtered by your drug list, your providers, and your county — then explained in plain terms.
- 3
You enroll, we do the paperwork
The application is completed with you on the line — or we send you the forms to fill out and return.
- 4
We're still here in year two
Plans change every January. We re-check yours each fall, before the deadline — which is the whole reason to have a broker instead of a website.
Straight answers
What we can offer you — and what we can't.
Every broker has a limit to what they're allowed to show you. Ours is written down here rather than buried in a footnote.
| Topic | Where we stand |
|---|---|
| Plans we can show you | Every plan offered in your county by the carriers we are appointed with, across Medicare, individual, and small-group lines. |
| Plans we can't | We do not offer every plan available in your area. Carriers we hold no appointment with are outside what we can quote, as is any coverage outside the states we are licensed in. |
| What it costs you | Nothing. Carriers pay broker commissions, and your premium is identical whether you enroll through us, through the carrier, or on your own. |
| Who makes the decision | You do. No application is ever submitted without your consent on the call. We do not sell, rent, or share your information with other agencies. |
| Where to see everything | To review all options in your area, contact Medicare.gov, call 1-800-MEDICARE, or visit your state marketplace directly. |
Where we're licensed
Three states, three different sets of rules.
Health insurance is regulated state by state. The differences aren't trivia — they change what you can buy and when.
- NJNew Jersey
Get Covered New Jersey
Our home state, and where the office sits. New Jersey runs its own marketplace with state subsidies stacked on top of the federal ones, which is why the premium quoted online is often higher than what you would actually pay.
All lines available
- NYNew York
NY State of Health
New York is unusual for Medigap: plans are community-rated and issued without health underwriting year-round. If you were turned down elsewhere, or you are past your six-month window, this changes your options entirely.
All lines available
- GAGeorgia
Georgia Access
Georgia moved off the federal platform to its own state exchange, so the enrollment calendar and the plan set differ from what you would find on HealthCare.gov. Medicare and ancillary lines are unaffected.
All lines available
Licensed in NJ, NY & GA
WFI Healthcare Agency LLC is a licensed insurance brokerage based in Englewood Cliffs, NJ serving individuals and groups in NJ for two decades.
License # 9827913 (NJ) · License # LA-856532 (NY) · License # 3662537 (GA)
From the blog
Written when something actually changes.
No content calendar, no filler. When a rule shifts or a deadline moves, it gets written up here first.
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Frequently asked questions
Before you call.
Nothing. Brokers are paid a commission by the insurance carrier once you enroll, and that commission is already built into the plan price. Your premium is the same whether you enroll through us, directly with the carrier, or on your own — so the only thing you are deciding is whether you would like help.
No, and no broker does. We can quote plans from the carriers we hold appointments with, which is a large share of what is sold in the states we are licensed in — but not all of it. To see every option available to you, contact Medicare.gov, call 1-800-MEDICARE, or visit your state marketplace.
About four months out. Your Initial Enrollment Period opens three months before your birthday month, and the decisions made in that window — particularly around Medicare Supplement — are hard to undo later. Calling early costs nothing and gives you time to check whether your doctors and prescriptions survive the switch.
If you are in New York or Georgia, yes. Insurance licensing is state by state, and we hold licenses in those three. Outside of them we cannot legally advise you or submit an application, though we are happy to point you somewhere useful.
It goes to one licensed agent at this agency and nowhere else. We do not sell, rent, or trade contact information, and we do not use lead-generation networks. The form collects only what is needed to return your call — name, phone, email, and a good time to reach you. Nothing about your health or income belongs in a web form.
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.
No cost, no obligation
Enroll Today!
Connect with us and we'll have a licensed agent follow up and confirm your current and future coverage. If your coverage is good, we'll say so.