Please Note: Our phone system is currently experiencing some quality call issues. For faster assistance, please use the chat function.
Please note: AmeriCU's Offices and Financial Centers will be closing at 1pm on Tuesday, December 24 in observance of Christmas Eve and closed Wednesday, December 25 in observance of Christmas. You can still access your accounts through Online + Mobile Banking, Surcharge-Free ATMs, and AmeriCU's Interactive ATMs.
Please note: AmeriCU's Offices and Financial Centers will be closing at 1pm on Tuesday, December 31 in observance of New Year's Eve and closed Wednesday, January 1 in observance of New Year's Day. You can still access your accounts through Online + Mobile Banking, Surcharge-Free ATMs, and AmeriCU's Interactive ATMs.
SCAM ALERT: As the holiday season begins, fraudsters are are posing as financial institutions in attempt to steal confidential information. If you receive a suspicious call or text from someone claiming to be from AmeriCU, even if the number appears legitimate, hang up and contact us directly at 800-388-2000. We will never contact you to request your account information. Your security is our top priority!
Let AmeriCU Insurance Services’ licensed agents sit down with you to develop a plan together, review how much coverage you really need, what exclusions your plan has, and more. Get to know how your plan works, how much you’re paying, and what you’ll need to do in the event you need to make a claim. Whether you have different coverage now or just want to review your coverage options, we encourage you to take a look at the enhanced plans and benefits offered.
Do you have questions about Medicare? If you’re:
turning 65,
looking for different health coverage options in retirement, or
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.
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
Part A – Hospital Coverage
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
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
Meet Our Medicare Team
Eric Johnson
Licensed Medicare Advisor | With Offices Located in Griffiss, Rome, North Utica, Commercial Drive, Herkimer, Oneida, Cazenovia, and Lowville
Licensed Medicare Advisor | With Offices Located in Fort Drum, Watertown, Cortland, Camillus, Cicero, Liverpool, Fayetteville, Syracuse, Armory Square, Auburn, and Onondaga Hill
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
AmeriCU Investments provides retirement planning and financial advising services through LPL Financial (LPL), a registered investment advisor and broker-dealer.
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).
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.
Please Note: Our phone system is currently experiencing some quality call issues. For faster assistance, please use the chat function.
