You can get your Medicare benefits through Original Medicare, or a Medicare Advantage Plan (like an HMO or PPO).
Medicare is the federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease.
Pennsylvania
One of the biggest surprises people face when they turn 65 is discovering that Medicare is not free. As a Medicare insurance broker serving clients across New York, New Jersey, and beyond, I field questions about Medicare costs every single day. To help you plan, here is a clear, up-to-date breakdown of what you can…
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Medicare Part A vs Part B 2026 — What’s the Difference? If you are approaching Medicare eligibility, you have probably heard the terms Part A and Part B used frequently. However, many people are confused about what each part actually covers and how they work together. At Craig Smith Insurance Group, we help seniors across…
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Medicare Part B Excess Charges — What You Need to Know in 2026 If you have Original Medicare, you may have heard the term excess charges, but most people don’t fully understand what they are until they receive an unexpected bill. At Craig Smith Insurance Group, we help seniors across Queens, Long Island, the Bronx,…
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