
Medicare
Medicare from AmeriCU Insurance Services
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 Insurance Services Certified Medicare Specialists 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 Insurance Services offers services like this to improve the lives of the people in our community.
Questions? Fill out the form below.
Medicare Resources
Free In-Person Medicare Plans Seminars
What are the parts of Medicare?
What are your Medicare Choices?
Medicare Advantage Plans
Watertown and Lowville Areas
Location Date Time Address AmeriCU Fort Drum Financial Center October 2, 2020 10:00AM - 11:30AM 10750 Enduring Freedom Drive, Fort Drum AmeriCU Fort Drum Financial Center November 2, 2020 10:00AM - 11:30AM 10750 Enduring Freedom Drive, Fort Drum ____________________________ ____________________________ ____________________________ ____________________________ AmeriCU Watertown Financial Center October 1, 2020 3:00PM - 4:30PM 871 Arsenal Street, Watertown AmeriCU Watertown Financial Center October 15, 2020 4:00PM - 5:00PM 871 Arsenal Street, Watertown AmeriCU Watertown Financial Center October 22, 2020 3:00PM - 4:30PM 871 Arsenal Street, Watertown AmeriCU Watertown Financial Center October 24, 2020 11:00AM - 12:30PM 871 Arsenal Street, Watertown AmeriCU Watertown Financial Center October 28, 2020 10:00AM - 11:00AM 871 Arsenal Street, Watertown AmeriCU Watertown Financial Center November 7, 2020 10:00AM - 11:00AM 871 Arsenal Street, Watertown AmeriCU Watertown Financial Center November 16, 2020 3:00PM - 4:00PM 871 Arsenal Street, Watertown AmeriCU Watertown Financial Center November 19, 2020 12:00PM - 1:00PM 871 Arsenal Street, Watertown AmeriCU Watertown Financial Center November 23, 2020 12:00PM - 1:30PM 871 Arsenal Street, Watertown AmeriCU Watertown Financial Center November 23, 2020 4:00PM - 5:00PM 871 Arsenal Street, Watertown AmeriCU Watertown Financial Center December 4, 2020 4:00PM - 5:00PM 871 Arsenal Street, Watertown AmeriCU Watertown Financial Center December 7, 2020 12:00PM - 1:00PM 871 Arsenal Street, Watertown ____________________________ ____________________________ ____________________________ ____________________________ AmeriCU Lowville Financial Center October 2, 2020 2:00PM - 3:30PM 7394 Utica Blvd, Lowville AmeriCU Lowville Financial Center October 15, 2020 12:00PM - 1:00PM 7394 Utica Blvd, Lowville AmeriCU Lowville Financial Center October 20, 2020 3:00PM - 4:30PM 7394 Utica Blvd, Lowville AmeriCU Lowville Financial Center November 2, 2020 2:00PM - 3:00PM 7394 Utica Blvd, Lowville AmeriCU Lowville Financial Center November 16, 2020 11:00AM - 12:30PM 7394 Utica Blvd, Lowville AmeriCU Lowville Financial Center November 30, 2020 12:00PM - 1:00PM 7394 Utica Blvd, Lowville Utica/Rome and Cortland Areas
Location Date Time Address AmeriCU Commercial Drive Financial Center October 5, 2020 9:00AM - 11:00AM 4957 Commercial Drive, Yorkville AmeriCU Commercial Drive Financial Center October 19, 2020 9:00AM - 11:00AM 4957 Commercial Drive, Yorkville AmeriCU Commercial Drive Financial Center October 26, 2020 9:00AM - 11:00AM 4957 Commercial Drive, Yorkville AmeriCU Commercial Drive Financial Center October 26, 2020 4:00PM - 5:00PM 4957 Commercial Drive, Yorkville AmeriCU Commercial Drive Financial Center November 2, 2020 9:00AM - 11:00AM 4957 Commercial Drive, Yorkville AmeriCU Commercial Drive Financial Center November 9, 2020 9:00AM - 11:00AM 4957 Commercial Drive, Yorkville AmeriCU Commercial Drive Financial Center November 16, 2020 9:00AM - 11:00AM 4957 Commercial Drive, Yorkville AmeriCU Commercial Drive Financial Center November 16, 2020 4:00PM - 5:00PM 4957 Commercial Drive, Yorkville AmeriCU Commercial Drive Financial Center November 23, 2020 9:00AM - 11:00AM 4957 Commercial Drive, Yorkville AmeriCU Commercial Drive Financial Center November 30, 2020 9:00AM - 11:00AM 4957 Commercial Drive, Yorkville AmeriCU Commercial Drive Financial Center December 7, 2020 9:00AM - 11:00AM 4957 Commercial Drive, Yorkville AmeriCU Commercial Drive Financial Center December 7, 2020 4:00PM - 5:00PM 4957 Commercial Drive, Yorkville ____________________________ ____________________________ ____________________________ ____________________________ AmeriCU Cortland Financial Center October 23, 2020 2:00PM - 3:00PM 3944 NY-281, Cortland AmeriCU Cortland Financial Center November 20, 2020 2:00PM - 3:00PM 3944 NY-281, Cortland ____________________________ ___________________________ _________________________ ___________________________ AmeriCU Griffiss Financial Center October 5, 2020 1:00PM - 3:00PM 231 Hill Road, Rome AmeriCU Griffiss Financial Center October 19, 2020 1:00PM - 3:00PM 231 Hill Road, Rome AmeriCU Griffiss Financial Center November 2, 2020 1:00PM - 3:00PM 231 Hill Road, Rome AmeriCU Griffiss Financial Center November 2, 2020 4:00PM - 5:00PM 231 Hill Road, Rome AmeriCU Griffiss Financial Center November 16, 2020 1:00PM - 3:00PM 231 Hill Road, Rome AmeriCU Griffiss Financial Center November 23, 2020 4:00PM - 5:00PM 231 Hill Road, Rome AmeriCU Griffiss Financial Center November 30, 2020 1:00PM - 3:00PM 231 Hill Road, Rome AmeriCU Griffiss Financial Center December 7, 2020 1:00PM- 3:00PM 231 Hill Road, Rome ____________________________ ____________________________ ___________________________ __________________________ AmeriCU Herkimer Financial Center October 16, 2020 2:00PM - 3:00PM 326 East State Street, Herkimer AmeriCU Herkimer Financial Center November 13, 2020 2:00PM - 3:00PM 326 East State Street, Herkimer AmeriCU Herkimer Financial Center December 4, 2020 2:00PM - 3:00PM 326 East State Street, Herkimer ____________________________ ____________________________ ____________________________ ____________________________ AmeriCU North Utica Financial Center October 19, 2020 4:00PM - 5:00PM 224 N Genesee Street, Utica AmeriCU North Utica Financial Center November 30, 2020 4:00PM - 5:00PM 224 N Genesee Street, Utica Syracuse Area
Location Date Time Address AmeriCU Cazenovia Financial Center October 2, 2020 4:00PM - 5:00PM 82 Albany Street, Cazenovia AmeriCU Cazenovia Financial Center November 6, 2020 4:00PM - 5:00PM 82 Albany Street, Cazenovia ____________________________ ____________________________ ____________________________ ____________________________ AmeriCU Auburn Financial Center October 13, 2020 9:00AM - 11:00AM 295 Grant Avenue, Auburn AmeriCU Auburn Financial Center October 13, 2020 4:00PM - 5:00PM 295 Grant Avenue, Auburn AmeriCU Auburn Financial Center October 27, 2020 9:00AM - 11:00AM 295 Grant Avenue, Auburn AmeriCU Auburn Financial Center November 10, 2020 9:00AM - 11:00AM 295 Grant Avenue, Auburn AmeriCU Auburn Financial Center November 10, 2020 4:00PM - 5:00PM 295 Grant Avenue, Auburn AmeriCU Auburn Financial Center November 24, 2020 9:00AM - 11:00AM 295 Grant Avenue, Auburn AmeriCU Auburn Financial Center December 1, 2020 9:00AM - 11:00AM 295 Grant Avenue, Auburn AmeriCU Auburn Financial Center December 1, 2020 4:00PM - 5:00PM 295 Grant Avenue, Auburn ____________________________ ___________________________ _______________________ ___________________________ AmeriCU Fayetteville Financial Center October 1, 2020 9:00AM - 11:00AM 5439 N. Burdick Street, Fayetteville AmeriCU Fayetteville Financial Center October 15, 2020 4:00PM - 5:00PM 5439 N. Burdick Street, Fayetteville AmeriCU Fayetteville Financial Center October 29, 2020 4:00PM - 5:00PM 5439 N. Burdick Street, Fayetteville AmeriCU Fayetteville Financial Center November 12, 2020 4:00PM - 5:00PM 5439 N. Burdick Street, Fayetteville AmeriCU Fayetteville Financial Center November 19, 2020 4:00PM - 5:00PM 5439 N. Burdick Street, Fayetteville AmeriCU Fayetteville Financial Center December 3, 2020 9:00AM - 11:00AM 5439 N. Burdick Street, Fayetteville AmeriCU Fayetteville Financial Center December 3, 2020 4:00PM - 5:00PM 5439 N. Burdick Street, Fayetteville ____________________________ ___________________________ ________________________ ____________________________ AmeriCU Syracuse Financial Center September 30, 2020 9:00AM - 11:00AM 6303 Thompson Road, Syracuse AmeriCU Syracuse Financial Center October 6, 2020 4:00PM - 5:00PM 6303 Thompson Road, Syracuse AmeriCU Syracuse Financial Center October 7, 2020 9:00AM - 11:00AM 6303 Thompson Road, Syracuse AmeriCU Syracuse Financial Center October 20, 2020 4:00PM - 5:00PM 6303 Thompson Road, Syracuse AmeriCU Syracuse Financial Center October 21, 2020 9:00AM - 11:00AM 6303 Thompson Road, Syracuse AmeriCU Syracuse Financial Center November 4, 2020 9:00AM - 11:00AM 6303 Thompson Road, Syracuse AmeriCU Syracuse Financial Center November 9, 2020 4:00PM - 5:00PM 6303 Thompson Road, Syracuse AmeriCU Syracuse Financial Center November 17, 2020 4:00PM -5:00PM 6303 Thompson Road, Syracuse AmeriCU Syracuse Financial Center November 18, 2020 9:00AM - 11:00AM 6303 Thompson Road, Syracuse AmeriCU Syracuse Financial Center December 2, 2020 9:00AM - 11:00AM 6303 Thompson Road, Syracuse AmeriCU Syracuse Financial Center December 2, 2020 4:00PM - 5:00PM 6303 Thompson Road, Syracuse ____________________________ _________________________ _______________________ ____________________________ AmeriCU Cicero Financial Center September 30, 2020 3:00PM - 4:00PM 6414 St Rt 31, Cicero AmeriCU Cicero Financial Center October 7, 2020 3:00PM - 4:00PM 6414 St Rt 31, Cicero AmeriCU Cicero Financial Center October 21, 2020 11:00AM - 12:30PM 6414 St Rt 31, Cicero AmeriCU Cicero Financial Center November 4, 2020 3:00PM - 4:00PM 6414 St Rt 31, Cicero AmeriCU Cicero Financial Center November 18, 2020 11:00AM - 12:30PM 6414 St Rt 31, Cicero AmeriCU Cicero Financial Center December 2, 2020 3:00PM - 4:00PM 6414 St Rt 31, Cicero ____________________________ __________________________ __________________________ ___________________________ AmeriCU Liverpool Financial Center October 21, 2020 3:00PM - 4:00PM 7474 Oswego Road, Liverpool AmeriCU Liverpool Financial Center November 18, 2020 3:00PM - 4:00PM 7474 Oswego Road, Liverpool ____________________________ ___________________________ _________________________ ___________________________ AmeriCU Camillus Financial Center September 29, 2020 4:00PM - 5:30PM 5212 W. Genesee Street, Camillus AmeriCU Camillus Financial Center October 28, 2020 4:00PM - 5:00PM 5212 W. Genesee Street, Camillus AmeriCU Camillus Financial Center November 5, 2020 4:00PM - 5:00PM 5212 W. Genesee Street, Camillus AmeriCU Camillus Financial Center November 24, 2020 4:00PM - 5:00PM 5212 W. Genesee Street, Camillus _____________________________ ___________________________ ___________________________ ___________________________
Scroll to the county of your residence to see a recorded presentation from one of our AmeriCU Insurance Services Certified Medicare Specialists
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
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 erinc@americu.org. In the Syracuse, Utica/Rome, and Cortland areas, contact Paul Holgate at paulh@americu.org to get started. Or you can give us a call at 800.352.9699 (TTY 711). Agents are available Monday – Friday 9:00AM to 5:00PM.
Companies We Represent
*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 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) 。
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.
Our Certified Medicare Specialists are here to help you and are available to discuss your Medicare options, enrollment, or plan changes with Mobile Office hours listed below. Drop in to speak with one of our Certified Medicare Specialists (served on a first come, first served basis) or call 800.352.9699 (TTY 711) Monday – Friday 9AM to 5PM or email us at insurance@americu.org to schedule a personal consultation.
Masks will be required during the meetings, and social distancing will be observed. We ask that you wait in your vehicle until at least 5 minutes prior to the start of the meeting.