Red Alert AmeriCU Holiday Closure Notice: AmeriCU will be closed on Monday, February 16th in observance of Presidents' Day. You can still: 🡢Access your accounts anytime through Online & Mobile Banking 🡢Use our surcharge-free ATM Network and Interactive ATMs 🡢Get support by clicking “Let’s Connect” in the bottom right corner. Thank you for being a valued member! Close

Do you have questions about Medicare?

Turning 65? Looking for different health coverage options in retirement? Receiving Extra Help with Medicare or the Elderly Pharmaceutical Insurance Coverage Program (EPIC)?

Our Certified Medicare Specialists can connect you with the answers you need so you can make an informed decision about your coverage.

Schedule a free, no-obligation consultation or attend one of our information sessions at the AmeriCU Financial Center closest to you to learn more about the plan options available to you.

JOIN US DURING OUR OFFICE HOURS >>

Medicare - Here to Help

We’re here to help

Our Certified Medicare Specialists are here to help you and are available to discuss your Medicare options, enrollment, or plan changes with free office hours listed below. Drop in to speak with one of our Certified Medicare Specialists (served on a first come, first served basis), call 800.352.9699 (TTY 711) Monday – Friday 9AM to 5PM, or email us at [email protected] to schedule a personal consultation. We can help you learn about:

  • How & when to enroll in Medicare
  • Part A & Part B benefits
  • Differences between Medicare Supplement & Medicare Advantage Plans
  • Part D coverage and the “coverage gap”
  • Annual election periods
  • Enrollment eligibility
  • How to determine what options are best for you
Medicare Plan Details

Medicare Advantage Plan Details

You may join, switch or drop a Medicare Advantage plan:

  • When you first become eligible for Medicare (from 3 months before you turn age 65 to 3 months after the month you turn age 65).
  • If you get Medicare due to a disability, you may join during the 3 months before to 3 months after your 25th month of disability.
  • You may enroll during the Annual Election Period, October 15 – December 7, with coverage beginning on January 1 of the following year.
  • During the Medicare Advantage Open Enrollment Period (MA OEP), January 1 to March 31. individuals enrolled in a Medicare Advantage (MA) plan or Medicare Advantage Prescription Drug Plan (MA-PD) are allowed to make a one-time election to switch to a Medicare Advantage (MA) plan, a Medicare Advantage Prescription Drug Plan (MA-PD) or to disenroll from their MA / MA-PD plan and obtain coverage through Original Medicare. If you disenroll from an MA or MA-PD plan and return to Original Medicare, you will be able to enroll in a stand-alone Prescription Drug Plan (PDP).

Meet Our Medicare Team

Eric Johnson Headshot Update 2

Eric Johnson

Licensed Medicare Advisor | With Offices Located in Griffiss, Rome, North Utica, Commercial Drive, Herkimer, Oneida, and Lowville

Phone: 315.356.3000 ,6262

[email protected]

Thomas Klamm is a Medicare & Health Insurance Advisor at AmeriCU Insurance Services.

Thomas Klamm

Licensed Medicare Advisor | With Offices Located in Fort Drum, Watertown, Cortland, Camillus, Fayetteville, Auburn, and Onondaga Hill

Phone: 315.356.3000 ,3307

[email protected]

Perry Kanfer

Perry Kanfer

Licensed Medicare Advisor | With Offices Located in Cazenovia, Fulton, Liverpool, Cicero, Syracuse, and Armory Square

Phone: 315.356.3000 ,3317

[email protected]

Medicare Coverage Info

  • Helps cover inpatient hospital and skilled nursing facility care, hospice care, home health care, and other medical services
  • Premium-free for most people who have worked (or spouse has worked) for at least 10 years and paid Medicare taxes
  • Monthly premium is applicable for all others
  • Helps cover medically necessary services like doctor services, outpatient care, home health services and other medical services (When covered by employer group or union health coverage with 20+ employees, may be able to refuse Part B coverage without incurring penalties; please check with Social Security)
  • May enroll later during special enrollment period
  • Monthly premium applies
  • Offered through private health insurance plan
  • Must have Medicare Part A and Part B and live in the plan service area
  • Monthly premium may apply in addition to Part B premium
  • Offered through private health insurance plans
  • Must have Medicare Part A and/or Part B
  • Monthly premium may apply in addition to Part B premium
  • Offered through private health insurance plans
  • “Supplements” Original Medicare
  • Helps pay your share of copays, coinsurance and deductibles
  • Must have Medicare Part A and Part B
  • Monthly premium may apply in addition to Part B premium
  • Does not include prescription drug coverage
Medicare Plan Requirements

Special Enrollment Period

In most cases, you must stay enrolled in the plan you choose for that calendar year (starting the date your coverage begins). In certain situations, you may be able to join, switch or drop Medicare Advantage plans during a Special Enrollment Period. A few examples of a Special Enrollment Period are:

  • If you lose creditable coverage (loss of employer group coverage)
  • If you make a permanent move into or out of the plan’s service area
  • If you have both Medicare and Medicaid
  • If you become approved for Low Income Subsidy (LIS — extra help) or NYS EPIC
  • If you qualify for any other exceptional conditions determined by the Centers

Free Medicare Office Hours and Seminars

  • Griffiss Financial Center -2/6/2026 – 10am-12pm and 1pm-3pm
  • Syracuse Financial Center -2/9/2026 – 9am-11am
  • Oneida Financial Center -2/10/2026 – 10am-12pm and 1pm-3pm
  • Watertown Financial Center -2/11/2026 – 10am-12pm and 1pm-3pm
  • Lowville Financial Center -2/12/2026 – 9am-11am
  • Fulton Financial Center -2/12/2026 – 9am-11am
  • North Utica Financial Center -2/13/2026 – 10am-12pm and 1pm-3pm
  • Cazenovia Financial Center -2/17/2026 – 9am-11am
  • Rome Financial Center -2/18/2026 – 10am-12pm and 1pm-3pm
  • Camillus Financial Center -2/18/2026 – 10am-12pm and 1pm-3pm
  • Cicero Financial Center -2/18/2026 – 9am-11am
  • Onondaga Hill Financial Center -2/19/2026 – 10am-12pm and 1pm-3pm
  • Griffiss Financial Center -2/20/2026 – 1pm-3pm
  • Oneida Financial Center -2/24/2026 – 10am-12pm and 1pm-3pm
  • Watertown Financial Center -2/24/2026 – 10am-12pm and 1pm-3pm
  • Liverpool Financial Center -2/24/2026 – 9am-11am
  • Syracuse Financial Center -2/26/2026 – 1pm-3pm
  • Lowville Financial Center -2/26/2026 – 10am-12pm and 1pm-3pm
  • Herkimer Financial Center -2/27/2026 – 10am-12pm and 1pm-3pm
  • Rome Financial Center -3/2/2026 – 10am-12pm and 1pm-3pm
  • Commercial Drive Financial Center -3/4/2026 – 10am-12pm and 1pm-3pm
  • Fulton Financial Center -3/4/2026 – 9am-11am
  • Cortland Financial Center -3/4/2026 – 10am-12pm and 1pm-3pm
  • Griffiss Financial Center -3/6/2026 – 10am-12pm and 1pm-3pm
  • Oneida Financial Center -3/10/2026 – 10am-12pm and 1pm-3pm
  • Auburn Financial Center -3/11/2026 – 10am-12pm and 1pm-3pm
  • Cazenovia Financial Center -3/11/2026 – 9am-11am
  • Lowville Financial Center -3/12/2026 – 10am-12pm and 1pm-3pm
  • Fayetteville Financial Center -3/12/2026 – 10am-12pm and 1pm-3pm
  • Cicero Financial Center -3/12/2026 – 9am-11am
  • North Utica Financial Center -3/13/2026 – 10am-12pm and 1pm-3pm
  • Herkimer Financial Center -3/16/2026 – 10am-12pm and 1pm-3pm
  • Liverpool Financial Center -3/17/2026 – 9am-11am
  • Rome Financial Center -3/18/2026 – 10am-12pm and 1pm-3pm
  • Onondaga Hill Financial Center -3/18/2026 – 10am-12pm and 1pm-3pm
  • Syracuse Financial Center -3/19/2026 – 1pm-3pm
  • Griffiss Financial Center -3/20/2026 – 10am-12pm and 1pm-3pm
  • Oneida Financial Center -3/23/2026 – 10am-12pm and 1pm-3pm
  • Oneida Financial Center -3/24/2026 – 10am-12pm and 1pm-3pm
  • Fulton Financial Center -3/23/2026 – 9am-11am
  • Lowville Financial Center -3/25/2026 – 10am-12pm and 1pm-3pm
  • Camillus Financial Center -3/25/2026 – 10am-12pm and 1pm-3pm
  • Cazenovia Financial Center -3/25/2026 – 9am-11am
  • Herkimer Financial Center -3/27/2026 – 10am-12pm and 1pm-3pm
  • Watertown Financial Center -3/31/2026 – 10am-12pm and 1pm-3pm
  • Cortland Financial Center -4/1/2026 – 10am-12pm and 1pm-3pm
  • Cicero Financial Center -4/2/2026 – 10am-12pm and 1pm-3pm
  • Syracuse Financial Center -4/3/2026 – 10am-12pm and 1pm-3pm
  • Rome Financial Center -4/7/2026 – 10am-12pm and 1pm-3pm
  • Fulton Financial Center -4/7/2026 – 10am-12pm and 1pm-3pm
  • Auburn Financial Center -4/8/2026 – 10am-12pm and 1pm-3pm
  • Commercial Drive Financial Center -4/9/2026 – 10am-12pm and 1pm-3pm
  • Cazenovia Financial Center -4/9/2026 – 10am-12pm and 1pm-3pm
  • Fayetteville Financial Center -4/9/2026 – 10am-12pm and 1pm-3pm
  • Liverpool Financial Center -4/13/2026 – 10am-12pm and 1pm-3pm
  • Herkimer Financial Center -4/14/2026 – 10am-12pm and 1pm-3pm
  • Cicero Financial Center -4/15/2026 – 10am-12pm and 1pm-3pm
  • Onondaga Hill Financial Center -4/15/2026 – 10am-12pm and 1pm-3pm
  • Griffiss Financial Center -4/16/2026 – 10am-12pm and 1pm-3pm
  • Syracuse Financial Center -4/20/2026 – 10am-12pm and 1pm-3pm
  • Oneida Financial Center -4/20/2026 – 10am-12pm and 1pm-3pm
  • Liverpool Financial Center -4/21/2026 – 10am-12pm and 1pm-3pm
  • Watertown Financial Center -4/22/2026 – 10am-12pm and 1pm-3pm
  • North Utica Financial Center -4/22/2026 – 10am-12pm and 1pm-3pm
  • Camillus Financial Center -4/23/2026 – 10am-12pm and 1pm-3pm
  • Fulton Financial Center -4/27/2026 – 10am-12pm and 1pm-3pm
  • Lowville Financial Center -4/28/2026 – 10am-12pm and 1pm-3pm
  • Auburn Financial Center -4/29/2026 – 10am-12pm and 1pm-3pm
  • Fayetteville Financial Center -4/30/2026 – 10am-12pm and 1pm-3pm
  • Cazenovia Financial Center -5/1/2026 – 10am-12pm and 1pm-3pm
  • Cicero Financial Center -5/5/2026 – 10am-12pm and 1pm-3pm
  • Syracuse Financial Center -5/6/2026 – 10am-12pm and 1pm-3pm
  • Rome Financial Center -5/6/2026 – 10am-12pm and 1pm-3pm
  • Onondaga Hill Financial Center -5/6/2026 – 10am-12pm and 1pm-3pm
  • Commercial Drive Financial Center -5/7/2026 – 10am-12pm and 1pm-3pm
  • Herkimer Financial Center -5/11/2026 – 10am-12pm and 1pm-3pm
  • Liverpool Financial Center -5/11/2026 – 10am-12pm and 1pm-3pm
  • Watertown Financial Center -5/13/2026 – 10am-12pm and 1pm-3pm
  • Fulton Financial Center -5/14/2026 – 10am-12pm and 1pm-3pm
  • Griffiss Financial Center -5/14/2026 – 10am-12pm and 1pm-3pm
  • Oneida Financial Center -5/19/2026 – 10am-12pm and 1pm-3pm
  • Cazenovia Financial Center -5/19/2026 – 10am-12pm and 1pm-3pm
  • Camillus Financial Center -5/20/2026 – 10am-12pm and 1pm-3pm
  • Cicero Financial Center -5/21/2026 – 10am-12pm and 1pm-3pm
  • North Utica Financial Center -5/21/2026 – 10am-12pm and 1pm-3pm
  • Syracuse Financial Center -5/22/2026 – 10am-12pm and 1pm-3pm
  • Cortland Financial Center -5/27/2026 – 10am-12pm and 1pm-3pm
  • Auburn Financial Center -5/28/2026 – 10am-12pm and 1pm-3pm
  • Liverpool Financial Center -6/2/2026 – 10am-12pm and 1pm-3pm
  • Fulton Financial Center -6/3/2026 – 10am-12pm and 1pm-3pm
  • Fayetteville Financial Center -6/3/2026 – 10am-12pm and 1pm-3pm
  • Onondaga Hill Financial Center -6/4/2026 – 10am-12pm and 1pm-3pm
  • Rome Financial Center -6/9/2026 – 10am-12pm and 1pm-3pm
  • Cazenovia Financial Center -6/10/2026 – 10am-12pm and 1pm-3pm
  • Watertown Financial Center -6/10/2026 – 10am-12pm and 1pm-3pm
  • Herkimer Financial Center -6/11/2026 – 10am-12pm and 1pm-3pm
  • Cicero Financial Center -6/11/2026 – 10am-12pm and 1pm-3pm
  • Syracuse Financial Center -6/15/2026 – 10am-12pm and 1pm-3pm
  • Camillus Financial Center -6/17/2026 – 10am-12pm and 1pm-3pm
  • Herkimer Financial Center -6/17/2026 – 10am-12pm and 1pm-3pm
  • Oneida Financial Center -6/22/2026 – 10am-12pm and 1pm-3pm
  • North Utica Financial Center -6/25/2026 – 10am-12pm and 1pm-3pm
  • Lowville Financial Center -6/29/2026 – 10am-12pm and 1pm-3pm
  • Cazenovia Financial Center -6/30/2026 – 10am-12pm and 1pm-3pm
AmeriCU Insurance Services
Excellus

You may also be interested in

Feature Image

Health Savings Accounts

Enrolled in a High Deductible Health Insurance plan through your employer? You could be eligible to open an HSA. 

Feature Image

Retirement Savings Accounts

Enjoy a variety of investment options to meet long, medium, or short-term retirement needs. 

Feature Image

AmeriCU Investments

AmeriCU Investments provides retirement planning and financial advising services through LPL Financial (LPL), a registered investment advisor and broker-dealer.

Let's Connect

Questions? Click the ‘Let’s Connect’ button in the bottom right-hand corner to get started!


Latest From AmeriCU

February 2026 AmeriNews From the Heart of AmeriCU

News

Feb 09, 2026

From the Heart of AmeriCU: What Community Truly Means to Us

AmeriCU teammates prove every day that community isn’t just something we talk about — it’s something we actively live through compassion, service, and connection. Their stories show how small acts of kindness can create lasting impact and strengthen the places we call home.

America's Greatest Heart Run & Walk

Events

Mar 07, 2026

America’s Greatest Heart Run & Walk

It’s time to unite, take action, and save lives. Our goal is to have one person in every household confident and prepared to perform CPR. The American Heart Association invites YOU to join the Heart Walk to broaden our impact by turning bystanders into lifesavers.

Debt Repayment

Education

Feb 10, 2026

Debt Repayment

One way to maximize your finances is by paying down your existing debt. Watch as Gabe learns how to take charge of his money and repay his debts.

AmeriCU Insurance Services is affiliated with AmeriCU Credit Union. The purchase of insurance from AmeriCU Insurance Services is not required to obtain credit or other services from AmeriCU Credit Union. Insurance products are not credit union deposits and are not NCUA insured, nor are they obligations of or guaranteed by AmeriCU.

For accommodations of persons with special needs at meetings call 1-315-356-3312 (TTY: 711).

Excellus BlueCross BlueShield is a nonprofit independent licensee of the Blue Cross Blue Shield Association.

Excellus BlueCross BlueShield complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex.

ATENCIÓN: si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. Llame al 1-800-298-8385 (TTY: 1-800-662-1220).

注意 :如果您使用繁體中文 ,您可以免費獲得語言援助服務 。請致電 1-800-298-8385 (TTY: 1-800-662-1220)

The Broker is an independent authorized agent and operates independently from Excellus BlueCross BlueShield. Products by Excellus BlueCross BlueShield are only available in their 31-county service area.