Medicare - AmeriCU Credit Union

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.

Medicare Resources

    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 315.371.5690 (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.

     

  • Watertown and Lowville Areas

    LocationDateTimeAddress
    AmeriCU Fort Drum Financial CenterAugust 5, 2020 10:00AM - 11:30AM10750 Enduring Freedom Drive, Fort Drum
    AmeriCU Fort Drum Financial CenterSeptember 10, 202010:00AM - 11:30AM10750 Enduring Freedom Drive, Fort Drum
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    AmeriCU Watertown Financial CenterJuly 30, 20203:30PM - 5:00PM871 Arsenal Street, Watertown
    AmeriCU Watertown Financial CenterAugust 6, 202010:00AM - 11:30AM871 Arsenal Street, Watertown
    AmeriCU Watertown Financial CenterAugust 27, 20203:30PM - 4:30PM871 Arsenal Street, Watertown
    AmeriCU Watertown Financial CenterSeptember 11, 202010:00AM - 11:30AM871 Arsenal Street, Watertown
    AmeriCU Watertown Financial CenterSeptember 11, 20201:00PM - 2:30PM871 Arsenal Street, Watertown
    AmeriCU Watertown Financial CenterSeptember 25, 20202:00PM - 3:30PM871 Arsenal Street, Watertown
    AmeriCU Watertown Financial CenterSeptember 26, 20209:30AM - 11:30AM871 Arsenal Street, Watertown
    ________________________________________________________________________________________________________________
    AmeriCU Lowville Financial CenterJuly 29, 202010:00AM - 11:30AM7394 Utica Blvd, Lowville
    AmeriCU Lowville Financial CenterAugust 5, 20201:00PM - 2:30PM7394 Utica Blvd, Lowville
    AmeriCU Lowville Financial CenterAugust 27, 202010:00AM - 11:30AM7394 Utica Blvd, Lowville
    AmeriCU Lowville Financial CenterSeptember 10, 20201:00PM - 2:30PM7394 Utica Blvd, Lowville
    AmeriCU Lowville Financial CenterSeptember 25, 2020 10:00AM - 11:30AM7394 Utica Blvd, Lowville
  • Utica/Rome and Cortland Areas

    LocationDateTimeAddress
    AmeriCU Commercial Drive Financial CenterJuly 6, 20209:00AM - 11:00AM4957 Commercial Drive, Yorkville
    AmeriCU Commercial Drive Financial CenterJuly 6, 20204:00PM - 5:30PM4957 Commercial Drive, Yorkville
    AmeriCU Commercial Drive Financial CenterJuly 13, 2020 9:00AM - 11:00AM4957 Commercial Drive, Yorkville
    AmeriCU Commercial Drive Financial CenterJuly 20, 20209:00AM - 11:00AM4957 Commercial Drive, Yorkville
    AmeriCU Commercial Drive Financial CenterJuly 27, 20209:00AM - 11:00AM4957 Commercial Drive, Yorkville
    AmeriCU Commercial Drive Financial CenterAugust 3, 20209:00AM - 11:00AM4957 Commercial Drive, Yorkville
    AmeriCU Commercial Drive Financial CenterAugust 10, 20209:00AM - 11:00AM4957 Commercial Drive, Yorkville
    AmeriCU Commercial Drive Financial CenterAugust 10, 20204:00PM - 5:30PM4957 Commercial Drive, Yorkville
    AmeriCU Commercial Drive Financial CenterAugust 17, 20209:00AM - 11:00AM4957 Commercial Drive, Yorkville
    AmeriCU Commercial Drive Financial CenterAugust 24, 20209:00AM - 11:00AM4957 Commercial Drive, Yorkville
    AmeriCU Commercial Drive Financial CenterAugust 31, 20209:00AM - 11:00AM4957 Commercial Drive, Yorkville
    AmeriCU Commercial Drive Financial CenterSeptember 21, 20209:00AM - 11:00AM4957 Commercial Drive, Yorkville
    AmeriCU Commercial Drive Financial CenterSeptember 28, 20209:00AM - 11:00AM4957 Commercial Drive, Yorkville
    ___________________________________________________________________________________________________________
    AmeriCU Griffiss Financial CenterAugust 10, 20201:00PM - 3:00PM231 Hill Road, Rome
    AmeriCU Griffiss Financial CenterAugust 24, 20201:00PM - 3:00PM231 Hill Road, Rome
    AmeriCU Griffiss Financial CenterAugust 31, 20201:00PM - 3:00PM231 Hill Road, Rome
    AmeriCU Griffiss Financial CenterSeptember 21, 20201:00PM - 3:00PM231 Hill Road, Rome
    AmeriCU Griffiss Financial CenterSeptember 28, 20201:00PM - 3:00PM231 Hill Road, Rome
    _____________________________________________________________________________________________________________
    AmeriCU Herkimer Financial CenterAugust 14, 20202:00PM - 3:30PM326 East State Street, Herkimer
    AmeriCU Herkimer Financial CenterSeptember 25, 20202:00PM - 3:30PM326 East State Street, Herkimer
    AmeriCU North Utica Financial CenterJuly 20, 20204:00PM - 5:30PM224 N Genesee Street, Utica
    AmeriCU North Utica Financial CenterAugust 24, 20204:00PM - 5:30PM224 N Genesee Street, Utica
    AmeriCU North Utica Financial CenterSeptember 21, 20204:00PM - 5:30PM224 N Genesee Street, Utica
  • Syracuse Area

    LocationDateTimeAddress
    AmeriCU Auburn Financial CenterJuly 7, 20209:00AM - 11:00AM295 Grant Avenue, Auburn
    AmeriCU Auburn Financial CenterJuly 7, 20204:00PM - 5:30PM295 Grant Avenue, Auburn
    AmeriCU Auburn Financial CenterJuly 21, 20209:00AM - 11:00AM295 Grant Avenue, Auburn
    AmeriCU Auburn Financial CenterAugust 4, 20209:00AM - 11:00AM295 Grant Avenue, Auburn
    AmeriCU Auburn Financial CenterAugust 4, 20204:00PM - 5:30PM295 Grant Avenue, Auburn
    AmeriCU Auburn Financial CenterAugust 18, 20209:00AM - 11:00AM295 Grant Avenue, Auburn
    AmeriCU Auburn Financial CenterSeptember 1, 20209:00AM - 11:00AM295 Grant Avenue, Auburn
    AmeriCU Auburn Financial CenterSeptember 1, 20204:00PM - 5:30PM295 Grant Avenue, Auburn
    AmeriCU Auburn Financial CenterSeptember 22, 20209:00AM - 11:00AM295 Grant Avenue, Auburn
    AmeriCU Auburn Financial CenterSeptember 29, 20209:00AM - 11:00AM295 Grant Avenue, Auburn
    _________________________________________________________________________________________________________
    AmeriCU Fayetteville Financial CenterJuly 9, 20209:00AM - 11:00AM5439 N. Burdick Street, Fayetteville
    AmeriCU Fayetteville Financial CenterJuly 23, 20209:00AM - 11:00AM5439 N. Burdick Street, Fayetteville
    AmeriCU Fayetteville Financial CenterJuly 23, 20204:00PM - 5:30PM5439 N. Burdick Street, Fayetteville
    AmeriCU Fayetteville Financial CenterAugust 6, 20209:00AM - 11:00AM5439 N. Burdick Street, Fayetteville
    AmeriCU Fayetteville Financial CenterAugust 20, 20209:00AM - 11:00AM5439 N. Burdick Street, Fayetteville
    AmeriCU Fayetteville Financial CenterAugust 20, 20204:00PM - 5:30PM5439 N. Burdick Street, Fayetteville
    AmeriCU Fayetteville Financial CenterSeptember 3, 2020 9:00AM - 11:00AM5439 N. Burdick Street, Fayetteville
    AmeriCU Fayetteville Financial CenterSeptember 3, 20204:00PM - 5:30PM5439 N. Burdick Street, Fayetteville
    AmeriCU Fayetteville Financial CenterSeptember 24, 20209:00AM - 11:00AM5439 N. Burdick Street, Fayetteville
    ___________________________________________________________________________________________________________
    AmeriCU Syracuse Financial CenterJuly 29, 20209:00AM - 11:00AM6303 Thompson Road, Syracuse
    AmeriCU Syracuse Financial CenterAugust 12, 20209:00AM - 11:00AM6303 Thompson Road, Syracuse
    AmeriCU Syracuse Financial CenterAugust 26, 20209:00AM - 11:00AM6303 Thompson Road, Syracuse
    AmeriCU Syracuse Financial CenterAugust 26, 20204:00PM - 5:30PM6303 Thompson Road, Syracuse
    AmeriCU Syracuse Financial CenterSeptember 2, 20209:00AM - 11:00AM6303 Thompson Road, Syracuse
    AmeriCU Syracuse Financial CenterSeptember 23, 20209:00AM - 11:00AM6303 Thompson Road, Syracuse
    AmeriCU Syracuse Financial CenterSeptember 23, 20204:00PM - 5:30PM6303 Thompson Road, Syracuse
    AmeriCU Syracuse Financial CenterSeptember 30, 20209:00AM - 11:00AM6303 Thompson Road, Syracuse
    ________________________________________________________________________________________________________
    AmeriCU Cicero Financial CenterAugust 19, 20203:00PM - 4:00PM6414 St Rt 31, Cicero
    AmeriCU Cicero Financial CenterSeptember 2, 20203:00PM - 4:00PM6414 St Rt 31, Cicero
    AmeriCU Cicero Financial CenterSeptember 30, 20203:00PM - 4:00PM6414 St Rt 31, Cicero
    ___________________________________________________________________________________________________________
    AmeriCU Liverpool Financial CenterAugust 5, 20203:00PM - 4:00PM7474 Oswego Road, Liverpool
    AmeriCU Liverpool Financial CenterSeptember 16, 20203:00PM - 4:00PM7474 Oswego Road, Liverpool
    ___________________________________________________________________________________________________________
    AmeriCU Camillus Financial CenterJuly 28, 20204:00PM - 5:30PM5212 W. Genesee Street, Camillus
    AmeriCU Camillus Financial CenterAugust 18, 20204:00PM - 5:30PM5212 W. Genesee Street, Camillus
    AmeriCU Camillus Financial CenterSeptember 29, 20204:00PM - 5:30PM5212 W. Genesee Street, Camillus
    ______________________________________________________________________________________________________________
    Catholic CharitiesAugust 21, 202011:00AM - 1:00PM808 W. Broadway, Fulton
    Catholic CharitiesSeptember 18, 202011:00AM - 1:00PM808 W. Broadway, Fulton
  • 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 315.356.3307 (TTY 711) or erinc@americu.org. In the Syracuse, Utica/Rome, and 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 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 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.

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) 。

 

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