Medicare options in Upper Makefield, Bucks County
Upper Makefield Township (18977) — home to Washington Crossing and some of the most beautiful Delaware River countryside in Bucks County — is also home to a population of Medicare beneficiaries with above-average complexity. Multiple hospital systems, high-income IRMAA considerations, cross-state care patterns, and a strong preference for physician continuity all show up in conversations here. This page addresses those specifics. Research on your own using Medicare.gov, or reach out when you are ready for a more tailored conversation.
Two ways to handle this — pick the one that fits you
Research yourself
The Medicare Plan Finder at Medicare.gov lets you compare every plan available in your ZIP — costs, networks, drug coverage. It's free, no account required.
Start comparing plans →Talk it through with us
Bring your doctors, prescriptions, and questions. We pull what's in your ZIP, check your providers against each plan's real network, and walk through the tradeoffs. No scripts, no pressure.
Book a free review →What's worth knowing about Medicare in Upper Makefield
Two Strong Hospital Options — Each With Its Own Network Logic Upper Makefield residents realistically use both Doylestown Hospital (Doylestown Health) and St. Mary Medical Center (Jefferson Health). These are two separate health systems with separate Medicare Advantage network relationships. A plan that includes one may not include both. If you have established relationships at both systems, this is one of the central questions to resolve before choosing any plan.
Washington Crossing ZIP and Plan Availability The 18977 ZIP code covers Washington Crossing and upper Makefield. Plan availability in this ZIP is specific to this geography and may differ from what is available in adjacent Yardley (19067) or New Hope (18938) even within the same carrier. We do not offer every plan available in your area. Medicare.gov has the definitive list for your specific ZIP.
IRMAA Is a Real Factor for Many Upper Makefield Households Upper Makefield's household income profile means IRMAA — Medicare's income-related surcharge on Part B and Part D premiums — is a genuine planning consideration for many residents. IRMAA is based on your modified adjusted gross income from two years prior. If you are recently retired, you can appeal IRMAA using a life-change event form (SSA-44) to reflect your current lower income. This is worth addressing proactively.
Physician Continuity in a Specialist-Heavy Market Upper Makefield residents often see specialists in Philadelphia, Princeton, and multiple Bucks County locations. Medicare Advantage network boundaries can disrupt those relationships. If your specialist care spans multiple health systems or crosses into New Jersey or Philadelphia, Original Medicare's broad provider access may serve you better than a network-restricted Medicare Advantage plan.
Prefer Independent Research? Medicare.gov Is the Right Starting Point. Medicare.gov's Plan Finder is the official tool for comparing every plan available in your ZIP code. It handles drug cost estimates, provider lookups, and plan comparisons without any agent involvement. If you want to understand what you found — or if your situation involves complexity the tool does not fully capture — we are available for an in-person conversation in Upper Makefield.
Hospital systems we check for Upper Makefield residents
Doylestown Hospital (Doylestown Health); St. Mary Medical Center (Jefferson Health, Langhorne)
Hospital networks, affiliations, and Medicare Advantage participation change. We verify your plan's current network against the facilities you actually use — not just the system name.
More carriers, more choices — and growing.
We're actively adding carriers as new plans and benefits emerge that our Medicare beneficiaries ask for. If a carrier starts offering something worth knowing about, we add them. Ask us what's currently available in your ZIP.
Common questions about Medicare in Upper Makefield, PA
I use a cardiologist in Philadelphia and my primary care is in Doylestown. Can one Medicare Advantage plan cover both?
Possibly, but it requires careful verification. Some Medicare Advantage PPO plans in Bucks County extend network coverage into Philadelphia. Whether your specific Philadelphia cardiologist participates depends on the plan and the physician practice. Jefferson Health has a significant presence in Philadelphia, which helps for some plans. We verify both providers before recommending any plan for situations like yours.
What is the IRMAA appeal process if I recently retired?
Retirement is a qualifying life-change event for an IRMAA appeal. You file Form SSA-44 with the Social Security Administration, documenting the income-reducing event and providing an estimate of your expected current-year income. If approved, Social Security will recalculate your Part B and D premiums based on your current income rather than the prior-year tax return. The appeal process is not instant — filing promptly after your retirement date is important.
Are there Medicare supplement (Medigap) plans appropriate for someone in Upper Makefield with complex healthcare needs?
For individuals with established multi-system specialist relationships and the desire for maximum flexibility, Medigap Plan G is often worth evaluating. It covers most out-of-pocket costs under Original Medicare — leaving only the annual Part B deductible — and places no network restrictions on provider choice. Carriers we represent for Medigap in Pennsylvania include Mutual of Omaha, Ameritas, Wellabe, and others. Premium competitiveness among carriers varies, and we compare current rates.
My financial advisor mentioned Medicare surcharges. What should I know?
Your financial advisor is likely referring to IRMAA. Beyond IRMAA, some Medicare beneficiaries in higher tax brackets also consider how investment income, Roth conversions, and required minimum distributions affect their MAGI — which in turn affects IRMAA in future years. Coordinating Medicare planning with your financial advisor around income timing is genuinely valuable. We handle the Medicare side of that conversation.
Does The Right Choice Agency serve the Washington Crossing area specifically?
Yes. We serve all of Upper Makefield Township, including Washington Crossing and the surrounding 18977 ZIP, in person. Sergio Kuik is the agent you will work with — not a team rotation. In-person meetings in your home or at a convenient location are available.
Upper Makefield Medicare — Tailored Guidance for a Community That Expects More
Upper Makefield residents deserve Medicare guidance that matches the complexity of their situation — not a one-size-fits-all presentation. Whether your questions involve IRMAA, multi-system specialist access, New Jersey cross-border care, or Medigap vs. Medicare Advantage, we are prepared for that conversation. We are not connected with or endorsed by the U.S. government or the federal Medicare program. We do not offer every plan available in your area. For the complete plan list, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227). Schedule a call with Sergio Kuik when you are ready.
We offer in-person Medicare reviews across Bucks County, PA — including Upper Makefield. Free, no-obligation review of plans available in your ZIP.
Also serving nearby Bucks County communities
For the full Bucks County overview, see Medicare in Bucks County, PA.
For the full Pennsylvania overview, see Medicare in Pennsylvania.
Required disclosures. We are not connected with or endorsed by the United States government or the federal Medicare program. 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. Plan availability, premiums, and benefits vary by county, ZIP code, and plan year. This is not a complete description of benefits. For a complete list of available plans in your area, contact Medicare.gov or call 1-800-MEDICARE (1-800-633-4227), 24 hours a day, 7 days a week. TTY users should call 1-877-486-2048.