Independent Medicare Insurance Broker Serving New York, New Jersey & Clients Nationwide

Helping seniors in New York, New Jersey & across the country compare Medicare Advantage, Medigap & Part D plans — Free Consultation

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Why Choose Craig Smith

Craig Smith — Independent Medicare Insurance Broker New York
Medicare Advantage

Medicare Advantage Plans

You can get your Medicare benefits through Original Medicare, or a Medicare Advantage Plan (like an HMO or PPO).

Medicare Supplement Plans

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.

Keep in mind that plan options and costs vary depending on where you live. See our Medicare Coverage by Location guide to learn how your ZIP code affects your options. Curious about the difference between an independent broker and going directly to an insurance company? Read our comparison guide.Not sure if Medicare Advantage is the right fit? See our breakdown of Medicare Advantage pros and cons.

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Craig Smith's Blog

Senior man researching Medicare and working past 65 — Craig Smith Insurance Group
Medicare and Working Past 65

Medicare and Working Past 65 — What You Need to Know in 2026 One of the most common and consequential Medicare decisions seniors face is what to do when they are still working at age 65. Should you enroll in Medicare right away? Can you delay enrollment without penalty? What happens to your employer coverage?…

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Medicare Part A hospital insurance — Craig Smith Insurance Group
What is Medicare Part A?

What is Medicare Part A? A Complete 2026 Guide If you are approaching age 65 or helping a loved one navigate Medicare for the first time, one of the most common questions is: What is Medicare Part A? Medicare Part A is the hospital insurance component of Medicare, and for most Americans, it comes with…

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Medicare Part D subsidy
Medicare Part D Subsidy Ending: What It Means for Your 2027 Premiums

Medicare Part D Subsidy Ending: What It Means for Your 2027 Premiums The Trump administration has announced it will end a federal subsidy program that has helped keep Medicare Part D premiums stable over the past two years. The change takes effect after the 2026 plan year. As a result, it could mean higher prescription…

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