Medicare Insurance For The Tri-State Area

Contact one of our licensed  insurance specialists to assist with your health insurance needs! 


Medicare is a health insurance program for:

  •  People age 65 or older.
  • People under age 65 with certain disabilities.
  • People of all ages with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a kidney transplant).

Medicare has different parts that help cover specific services:


Medicare Part A (Hospital Insurance) - Part A helps cover inpatient care in hospitals, including critical access hospitals, and skilled nursing facilities (not custodial or long-term care). It also helps cover hospice care and some home health care. Beneficiaries must meet certain conditions to get these benefits. Most people don't pay a premium for Part A because they or a spouse already paid for it through their payroll taxes while working.

Medicare Part B (Medical Insurance) - Part B helps cover doctors' services and outpatient care. It also covers some other medical services that Part A doesn't cover, such as some of the services of physical and occupational therapists, and some home health care. Part B helps pay for these covered services and supplies when they are medically necessary. Most people pay a monthly premium for Part B.

Medicare Part C (Medicare Advantage) - Medicare Part C also known as Medicare Advantage An alternative to original Medicare, this is a Medicare Part C (also known as Medicare Advantage) that:

  • Covers all your Parts A and B benefits
  • May cover your prescription drugs, too
  • May also offer extra benefits, like vision or dental coverage or a fitness membership
  • May require you to see network doctors or specialists
  • Caps your out-of-pocket spending to protect your finances

You may pay a monthly premium for Part C.  You must keep paying your Part B premium, too.  

Medicare Part D (Prescription Drug Coverage) - Medicare prescription drug coverage is available to everyone with Medicare. To get Medicare prescription drug coverage, people must join a plan approved by Medicare that offers Medicare drug coverage. Most people pay a monthly premium for Part D.

If you’re a person with Medicare or help a person with Medicare, contact us to find more information about Medicare or medicare advantage..  We service the metro areas of Queens, NY, Fairfield County and New Haven County


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Licensed in New York, New Jersey and Connecticut

Graf & Associates: (203) 781-6862 WG Insurance Group: (203) 572-0942


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Saturday: By Appointment

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