★★★★★
Michele S.
"Tom was wonderful. He understood exactly what I was confused about, made sure all of our doctors were in the plan, and put my mind at ease. I didn't even need to go to an office, and it cost me nothing."
★★★★★
Ruth W.
I’m so greatful to have Tom to call on. As a senior life should be easier not harder and confusing. Thank you again Tom for straightening out my situation.
★★★★★
Laurie C
Tom came to my aide when I was in a jam and I cannot say enough good things about him. He is knowledgeable, kind, patient and he made the process so easy. I will be sure to recommend him to all of my family and friends. He is just amazing!!!
How We Can Help
Everything Medicare, explained in plain English. Pick the topic that fits where you are.
Your enrollment windows, how to avoid late penalties, and every plan available in your zip code.
Costs, networks, and coverage side by side, so you can choose the right one for you.
Every fall we check your plan against everything new for the coming year, at no charge.
Original Medicare doesn't cover dental. Standalone plans for cleanings, fillings, crowns, and implants.
Cash paid directly to you for each day you're in the hospital, so copays don't become the emergency.
A lump-sum benefit paid to you at diagnosis, so a serious illness doesn't become a financial one.
Meet Tom Holowchuk
I built Holowchuk Health Advisors from the ground up right here in Ocean County, and I've spent years helping local families make sense of Medicare. I'm independent, so I work for you, not a carrier. Whether you're turning 65, retiring, or just unhappy with your current plan, I'll walk you through your options in plain English.