Craig Smith Insurance Group

06/15/2026

Medigap Open Enrollment — Protect Your Rights!
Here's a Medicare fact that surprises many people: If you enroll in Medicare Supplement (Medigap) during your Open Enrollment Period, the first 6 months you have Medicare Part B at age 65, insurance companies CANNOT deny you coverage or charge you more due to health conditions!
Are you in your Medigap Open Enrollment window? Contact us NOW!

06/15/2026

53 years between championships. Worth every minute.�
Comment: Go NY GO if you have experienced both Championships !!!

06/12/2026

Medicare Advantage plans come in different network types — and it matters! 🏥
🔵 HMO (Health Maintenance Organization): Stay in-network; usually need referrals to see specialists.
🟢 PPO (Preferred Provider Organization): More flexibility to see out-of-network doctors (at higher cost); no referrals needed.

Which is right for you? It depends on how you use healthcare! At Craig Smith Insurance Group, we'll help you choose the right fit

Do you prefer HMO or PPO coverage? Tell us in the comments!

06/12/2026

06/10/2026

Q&A Wednesday is here! 🙋

Today's question: 'Can I have both Medicare Advantage AND a Medicare Supplement plan at the same time?'

No — you can't have both at the same time. Medicare Advantage REPLACES Original Medicare, while Medicare Supplement works WITH Original Medicare. Choosing between them depends on your health needs, budget, and lifestyle. That's exactly where Craig Smith Insurance Group can help!

Have a Medicare question? Drop it in the comments!

06/09/2026

Not all Medicare Advantage plans are created equal! ⭐

Medicare rates every plan with a Star Rating (1–5 stars) based on things like customer service, member satisfaction, and health outcomes.

A 5-star plan is the gold standard — and you can switch to one ANY time of year! At Craig Smith Insurance Group, we only recommend plans that meet high quality standards. You deserve the best!

Ask us about 5-star plans in your area!

06/05/2026

🎂 Did you know your birthday could give you the power to switch your Medicare Supplement plan without answering a single health question?
It's called the Medicare Supplement Birthday Rule, and more states are adopting it every year.
In my latest blog post and video, I break down:

✅ What the Birthday Rule is and how it works

✅ Which 17 states currently have it

✅ Which states have it pending — including New Jersey

✅ The trade-offs you need to know before making a switch

📖 Read the full guide and watch the video here:
https://csmithinsurancegroup.com/2026/06/04/medicare-supplement-birthday-rule/
If you have a Medicare Supplement plan and live in one of these states, this could save you money on your premium without medical underwriting.

📞 929-499-2898

📅 Book a free consultation: https://csmedicare.radiusbob.com/appointments/turning65

06/05/2026

Your FREE Annual Wellness Visit
Did you know Medicare covers a FREE Annual Wellness Visit? 🏥

This isn't just a check-up — it's a personalized health review where your doctor can update your health history, review your medications, and develop a plan to keep you healthy for the year ahead!
The best part? It's covered 100% by Medicare at no cost to you! At Craig Smith Insurance Group, we want you healthy AND covered!

Have you had your wellness visit this year? Share in the comments!

06/04/2026

I got into the Medicare business because I watched my own family struggle to navigate their Medicare options — and it was overwhelming. That's when I knew I wanted to help.

At Craig Smith Insurance Group, every client is treated like family. We take the time to truly understand YOUR needs and find coverage that gives you peace of mind. That's our promise. 💙

Let us take the confusion out of Medicare for you!

06/03/2026

🗽 Turning 65 in New York? This one's for you.

I just published a free Medicare guide specifically for New Yorkers approaching 65, and it covers the three questions I hear most:

1️⃣ When exactly do I need to enroll?
2️⃣ What's the difference between Medicare Advantage and Medicare Supplement?
3️⃣ Do I need to enroll in Medicare if I'm still working?

The answers might surprise you, especially if you're still employed or on COBRA.

📖 Read the full guide here:
https://csmithinsurancegroup.com/turning-65-in-new-york-your-complete-medicare-guide-for-2026/

And if you want to talk through your specific situation, book a free consultation. I serve seniors across Queens, Long Island, Nassau County, Suffolk County, the Bronx, Westchester, Rockland County, Brooklyn, and Staten Island.

No pressure. No cost. Just answers. 😊

📞 929-499-2898
📅 Book online: https://csmedicare.radiusbob.com/appointments/turning65

With Appreciation,
Craig Smith | Craig Smith Insurance Group