Steven Bornfreund - Licensed Insurance Agent

10/22/2026

At SMS Insurance Agency LLC we specialize in helping small and mid-sized businesses find affordable, comprehensive group health insurance plans that work for both employers and employees. Whether you're just starting out or looking to improve your current benefits package, we’ll guide you through your options and handle the details—so you can focus on running your business.
-Competitive rates
-Personalized plan comparisons
-Ongoing support for you and your team
Let’s find the right fit for your company and your budget.
Call me at 609-934-4849 or send me a message to get started!

10/15/2026

Have you received a letter saying your Medicare Advantage plan is ending in 2027?

I know it can be stressful to find out your health plan won’t be available next year, especially when you’re not sure what to do next.

The good news is, you don’t have to figure it out on your own!

As an independent insurance agent, I’m here to help you review your options, compare plans, and find coverage that fits your needs and budget. My goal is to make this process as easy and stress-free as possible. I represent all carriers in New Jersey.

📩 If your plan is ending, reach out to me. I’m happy to sit down with you, answer your questions, and help you find the right path forward.

You can contact me at 609-934-4849.

10/06/2026

Medicare Annual Enrollment Period is almost here! 🍂

Medicare plans can change from year to year — including premiums, benefits, networks, and prescription coverage. That’s why it’s important to review your coverage each year.

📅 Annual Enrollment Period: October 15 – December 7

If you’re already on Medicare, now is a great time to schedule your annual review. I can help you:

✅ Compare your current plan with 2027 options
✅ Review Medicare Advantage, Supplement & Prescription Drug plans
✅ Make sure your doctors and prescriptions are covered
✅ Look for opportunities to lower your overall costs
✅ Provide personalized guidance — at no cost to you

You can contact me at 609-934-4849.

09/28/2026

Have You Received Your Medicare Annual Notice of Change Yet? 📬

If you have a Medicare Advantage or standalone Part D plan, your Annual Notice of Change (ANOC) explains what's changing for 2027—including premiums, drug costs, copays, and benefits. You should receive your ANOC letter by the end of September, if you haven't received it yet.

During AEP (October 15–December 7), we can help you review your ANOC and compare your 2027 options from all carriers in New Jersey. There is no cost for our assistance.

If you have questions about your ANOC or want to review plan options, you can contact us at 856-209-2377.

09/14/2026

Have You Received Your Medicare Annual Notice of Change Yet? 📬

If you have a Medicare Advantage or standalone Part D plan, your Annual Notice of Change (ANOC) explains what's changing for 2027—including premiums, drug costs, copays, and benefits. You should receive your ANOC letter by the end of September, if you haven't received it yet.

During AEP (October 15–December 7), I can help you review your ANOC and compare your 2027 options from all carriers in New Jersey. There is no cost for my assistance.

If you have questions about your ANOC or want to review plan options, you can contact me at 609-934-4849.

08/19/2026

Health Insurance Shouldn’t Be Complicated!

Whether you’re looking for coverage for your family, turning 65, or need health insurance for your business, I’m here to help.

I can help you with:
✅ Get Covered NJ
✅ Group Health Plans
✅ Medicare
✅ Dental & Vision

As an independent insurance agent, I can help you compare your options and find coverage that fits your needs and budget. I represent all carriers in New Jersey. There is no cost for my assistance.

📞 Steven Bornfreund | 609-934-4849
🌐 www.smsinsurance.agency

Let me help you protect what matters most.

Feel free to message me or give me a call anytime!

08/04/2026

You may have seen recent news articles about Medicare Part D subsidies ending and what that could mean for prescription drug plan premiums in 2027.

One important thing to know is that these changes apply to stand-alone Medicare Part D prescription drug plans (PDPs)—not Medicare Advantage plans that include prescription drug coverage.

The temporary subsidies helped keep many stand-alone Part D plan premiums lower over the past few years. As those subsidies come to an end, some plans are increasing premiums, changing benefits, or leaving certain markets.

I wanted to share this because there's been a lot of confusion around these headlines. As more 2027 Medicare information becomes available, understanding what's behind these changes can help make the news a little easier to follow.

If you have any questions about your Medicare plan options, you can contact me at 609-934-4849.

07/29/2026

If something happened to you tomorrow, would your family be financially okay?

It’s a difficult question—and one most of us would rather not think about.

But life insurance isn’t really about you. It’s about the people you love and making sure they’re protected if you’re no longer there to protect them.

I help individuals and families find life insurance coverage that fits their needs and budget. I work with multiple insurance companies, so I can help you compare your options instead of trying to fit you into a one-size-fits-all policy.

Whether you’re protecting your family’s income, your mortgage, your children’s future, or simply making sure your loved ones aren’t left with a financial burden, I’m here to help.

If you’ve been putting off getting life insurance, or you’re not sure if you have enough coverage, you can contact me at 609-934-4849 or send me a message. Let’s have a conversation now—before your family ever has to worry about it.

Send a message to learn more

07/27/2026

New Jersey Small Business Owners: Important Group Health Insurance Update

If your business is currently enrolled in a Horizon SHOP group health insurance plan, you may have recently received an important notice from Horizon.

These changes could affect your coverage at your next renewal, so now is a great time to review your options and plan ahead.

As an independent insurance agent, I can help you:
✔ Review your current group health plan
✔ Explain how these changes may impact your business
✔ Compare available small business health insurance options
✔ Find coverage that fits your budget and your employees' needs

If you'd like a no-cost review of your current plan or have questions about your next steps, you can contact me at 609-934-4849 or message me. I'm happy to help you navigate your options.

Send a message to learn more

07/08/2026

Over the past few weeks, I've spoken with several people who were surprised to see their Medicare Supplement (Medigap) premiums increase significantly.
I know that every extra dollar matters, especially when you're on a fixed income. If your monthly premium has gone up, I'd love the opportunity to see if I can help you lower your costs.
As an independent insurance agent, I can compare plans from all carriers in New Jersey to see if there's a more affordable option that still provides the coverage you need.
If you've received a rate increase—or it's been a while since you've reviewed your Medigap plan—please reach out. Even a small monthly savings can make a difference over the course of a year, and I'm always happy to see if I can help.
You can contact me at 609-934-4849, send me a Facebook message or email me at [email protected]