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Bringing the Medicare pieces together

Contact Us  716-393-3437

What is Medicare?

Medicare is a federal program that offers health insurance to American citizens and other eligible individuals.

Legal residents must live in the U.S. for at least 5 years in a row, including the 5 years just before applying for Medicare.

You must meet one requirement:

  • Age 65 or older

  • Younger than 65 with a qualifying disability

  • Any age with a diagnosis of end-stage renal disease (ESRD).


How do you enroll in Original Medicare?

You should be automatically enrolled if you are receiving Social Security or Railroad Retirement Board benefits when you become eligible.  You'll receive your Medicare card in the mail.

You need to enroll in Medicare yourself if you aren't receiving Social Security benefits when you become eligible.  Go to to enroll online, or call or visit your local Social Security office.

Medicare Terms to Know

  • Original Medicare (Parts A and B)  It doesn't cover everything. It doesn't cover prescription drugs.

  • Medicare Supplement Insurance Plans (Medigap)        

  • Medicare Advantage Plans   (Part C)

  • Medicare Prescription Drug Plans  (Part D)                         

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Options for Veterans

You may be eligible for benefits other than original Medicare. 

You can have both Medicare and Veterans (VA) benefits but, Medicare and VA benefit do no work together.  Medicare does not pay for any benefits received at a VA facility.

To confirm VA benefits and options, contact the VA at 1-877-222-VETS.   (1-877-222-8387)

Then, come speak to us.  We are here to help you find what matters.


"Clarity Group" in the Media

         "Medicare and More"  

Saturday mornings @ 6:30am

"Senior Radio Buffalo"

Most Saturday mornings @ 11:00am


Watch our TV appearance!

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