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Medicare  Enrollment is all year round

Schedule Your Personalized Annual Plan Review Now!

Removal of Cost Sharing on Adult Vaccines  for 2023

Medicare beneficiaries will have a $0 cost-share for adult vaccines recommended by the Advisory Committee on Immunization Practices and covered under Medicare Part D, including vaccines such as the Shingrix vaccine for Shingles. Tiering of vaccines won't change, but beneficiary cost sharing will be eliminated regardless of any published tier copay. This means there won't be a copayment when you have the vaccination starting in 2023.


What to do When Turning 65?


We've got you covered.

Navigating the complex world of insurance can be frustrating. We're here to make it easy and be a resource you can depend on year after year.

Medicare Supplement

A Medicare Supplement (Medigap) insurance, sold by private companies, can help pay some of the health care costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles.



Medicare Advantage

Medicare Advantage plans are health care options that are part of the Medicare program. Coverage may include Medicare Part D prescription drug coverage as well as hospital, doctor, skilled nursing, and other medical services.


Medicare Resources

Getting started in your Medicare journey? Don't know where to start? We can help. We have an entire library of information avaliable for you to look at, in order for you to get started. Click on the button to learn more information.



Long Term Care

If you need something that's going to be around for the long-haul, then Long Term Care solutions may be for you. Click on the button below, to learn more information now.




Term Life Insurance

Term life insurance coverage can be relatively easy to comparison shop. It simply covers you in the event that you die before the end of the term for which you are covered.




Learn ABCD's of Medicare

We've prepared an entire guide for you to review, so you know exactly what you're looking at on the Medicare market. Click the link below, to be taken to a form so you can download your free guide today!



Dental Insurance

Proper dental care can be an important component of our well being. Dental coverage of some kind can help you ensure the health of your teeth and gums. 


Interested in learning more about annuities and how it can work for you? We're here to help. Click on the button below, to fill out our form so an agent can get back to you promptly.


Need a specific quote? We're here to help! Simply click on the link below, and a member of our team will help you get started on that process, right away! 




Your Trusted Insurance Professionals

You Come First!
Not The Insurance Company


We specialize in Medicare solutions (Medicare Supplement and Prescription Part D), life, final expense, long term care, dental, vision and travel insurance. As an independent insurance agency we work with a wide range of A-rated insurance companies to find the plan that best suited to your needs and have the most popular Medicare plans available.


Phoebe Shagan has 50+ years in the health care profession which gives her an in-depth understanding of Medicare Supplement, Medicare Advantage, Prescription Drug Part D Plan and health insurance. Because she has worked in hospitals and doctor’s offices Phoebe also has a better understanding of the health care system. Phoebe is committed to helping Medicare beneficiaries throughout New Jersey understand their Medicare benefits and all of the options available to them.


Is There A New Jersey Medicare Agent Near Me?

Proudly servicing the residents and all of their Medicare needs in the Princeton, Howell, Toms River, Monroe, Jackson, Freehold and Brick New Jersey Townships. Take a few minutes to explore the RHS website, to learn about the types of Medicare coverage we offer and the educational resources we have available. With so many options available to you it is critical to have a Medicare agent who you can meet in person to guide you through the process of choosing the right plan.  Remember Medicare Open Enrollment is October 15th - December 7th and its important you get started early.


Get started Now or Call Phoebe at (732) 784-7017


Please note that at this time, Phoebe does offer virtual meetings with clients due to COVID-19 percautions. If you'd like to take advantage of a virutal meeting, please call her directly at (732) 784-7017 and let her know. 


We Are Expanding Our Services! 

RHS, LLC in New Jersey will begin to offer financial planning and wealth management to our clients. We have added a trusted partner to help with this. We are offering the opportunity, for FREE, to get a consultation. This could be an initial visit or getting a second opinion on our current plan or advisor. The worst thing that can happen is you come and we tell you that your current plan is in great shape, you have validated that you have in place and there is nothing we can do. The best thing that can happen is we find a hole in your current plan or find a way to improve your plan, offer it to you, and you still have complete control of the situation. 


Contact us or call us at 1.732-784-7017 to discuss how we can help meet your insurance needs.


By contacting the phone number on this website you will be directed to a licensed agent in Jackson Township, New Jersey. Phoebe is also licensed in New York, Delaware, Pennsylvania, New Hampshire, North Carolina, South Carolina, Ohio, Florida, Arizona, California, Massachusetts, and Texas.


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