Medicare

Medicare from AmeriCU Services, LLC

Do you have questions about Medicare? Are you:

  • turning 65
  • looking for different health coverage options in retirement, or
  • receiving Extra Help from Medicare or the Elderly Pharmaceutical Insurance Coverage Program (EPIC)?

AmeriCU Services, LLC’s licensed agents can help you get the answers you need so you can make an informed decision about your Medicare coverage.

There’s no obligation and no cost for a consultation. AmeriCU Services, LLC offers services like this to improve the lives of the people in our community.

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

In the Watertown/Lowville areas, contact Erin Cordova at 315.356.3307 (TTY 711) or erinc@americu.org. In the Syracuse, Utica/Rome, or Cortland areas contact Paul Holgate at 315.356.3312 (TTY 711) or paulh@americu.org to get started. Agents are available Monday – Friday 9:00AM to 5:00PM. 

Medicare Resources

  • Part A – Hospital coverage (Original Medicare)

    • 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
  • Part B – Medical coverage (Original Medicare)

    • 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
  • Part C – Medicare Advantage Plans

    • 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
  • Part D – Prescription drug coverage

    • 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
  • Medicare Supplement or Medigap Plans

    • 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

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).

 

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

Medicare Team

Contact us at 800.352.9699 or insurance@americu.org and get started today!


Photo of Erin Cordova

Erin Cordova

Life, Accident & Health Insurance Agent

Phone: 800.352.9699

Paul Holgate

Paul Holgate

Senior Insurance Solutions Advisor

Phone: 800.352.9699

Companies We Represent

*AmeriCU Services, LLC is affiliated with AmeriCU Credit Union. The purchase of insurance from AmeriCU Services, LLC 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.

Excellus BlueCross BlueShield is a PPO plan with a Medicare contract. Enrollment in Excellus BlueCross BlueShield depends on contract renewal.

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) 。

 

Y0028_7044_C