Medicare
Medicare Brokers Serving Upstate New York Since 2000
Your Medicare Journey Starts with Expert Guidance
Turning 65 brings important healthcare decisions that affect your coverage and costs for years to come. As your local Medicare insurance broker, Century Benefits Group simplifies Medicare’s complexity through personalized consultation and education.
Our Medicare broker services include comprehensive plan analysis, prescription drug coverage evaluation, and ongoing broker support throughout your Medicare journey.
We’re licensed insurance professionals in New York, North Carolina, South Carolina, Florida, Texas, California, Rhode Island and Virgina providing continuity of service even if you relocate during retirement.
Medicare products we offer:
• Original Medicare Parts A and B plan explanations and comparisons
• Medicare Supplement (Medigap) plan analysis and enrollment assistance
• Prescription drug plan evaluation to minimize your medication costs
• Medicare Advantage plan comparison and selection guidance
• Transition planning for employees eligible for Medicare
• Annual enrollment period reviews and plan optimization
Local Medicare Broker Serving Multiple States
While our headquarters is in Rochester, New York, our Medicare insurance broker services extend far beyond state lines. We maintain proper licensing in eight states to serve clients who relocate during retirement or have family connections across different regions.
Our primary service area covers all of New York State, from Buffalo to Albany and Binghamton to Watertown and New York City. We also provide Medicare broker services to clients in North Carolina, South Carolina, Florida, Texas, California, Rhode Island and Virgina. This multi-state capability ensures you receive consistent, expert broker support regardless of where you choose to spend your retirement years.
Understanding Your Medicare Insurance Options
Medicare offers several pathways to coverage. Each plan option has distinct benefits and considerations that affect your healthcare access and costs.
Original Medicare (Parts A & B)
Hospital insurance and medical insurance administered by the federal government with standardized benefits nationwide.
Medicare Part D
Prescription drug coverage through private insurance companies to help manage medication costs and avoid penalties.
Medicare Advantage Plans
Comprehensive health insurance plans that combine Medicare Parts A and B, and usually prescription drug coverage through contracts with private insurance companies called Part C.
Medicare Supplement (Medigap)
Additional insurance coverage that fills gaps in Original Medicare, providing predictable healthcare costs.
Get Your Free Medicare Plan Analysis
Critical Timing to Enroll in Medicare
Medicare enrollment follows specific timeframes with significant financial consequences for missing deadlines. Your Initial Enrollment Period begins three months before your 65th birthday and extends three months after. Missing this window can result in permanent premium penalties.
Key enrollment periods:
• Initial Enrollment: 7-month window around your 65th birthday to enroll in Medicare
• Annual Open Enrollment: October 15 – December 7 each year for plan changes
• Medicare Advantage Open Enrollment: January 1 – March 31 annually
• Special Enrollment: Available for qualifying life events
As your Medicare broker, we help you understand which deadlines apply to your situation and ensure you meet all requirements to avoid penalties that could cost hundreds of dollars annually for the rest of your life.
Finding the Best Medicare Insurance Through Strategic Plan Selection
Prescription drug costs vary dramatically between Medicare insurance plans. The same medication might cost $50 monthly on one plan and $200 on another. Our Medicare broker analysis examines your specific medications against available formularies to help you find the best plan that minimizes your out-of-pocket expenses.
We review not just current medications but also consider potential future needs based on your health conditions. This forward-thinking approach prevents costly surprises if your prescriptions change during the year.
Our best Medicare plan analysis includes:
• Current medication cost comparison across all available insurance plans
• Formulary tier analysis to understand coverage levels
• Pharmacy network evaluation for convenient access
• Coverage gap (“donut hole”) impact assessment
• Annual cost projections including premiums, deductibles, and copays
Rochester-Based Medicare Advisors with a Personal Touch
For businesses with employees eligible for Medicare: We provide seamless transition services that help your valued team members while potentially reducing your group health insurance costs. Our personalized attention ensures smooth transitions that maintain positive employee relationships.
Your Path to Medicare Confidence with Broker Support:
• Free Consultation – We review your specific situation and explain Medicare options clearly
• Best Medicare Plan Analysis – We analyze available plans based on your health needs and budget
• Enrollment Support – We guide you through enrollment and provide ongoing broker services
Contact us today for your free Medicare consultation:
Phone: (585) 224-8138
Email: [email protected]
Address: 400 White Spruce Blvd Suite C, Rochester, NY 14623
Office Hours: Monday-Friday 8:00 AM – 5:00 PM
Client Success Stories
“Michael helped us understand Medicare options we never knew existed. His prescription analysis saved us over $200 monthly on my husband’s medications. Working with a Medicare broker made all the difference.”
– Mary S., Pittsford