INSURANCE SERVICES

Medicare Made Simple

Finding the right Medicare plan in Pennsylvania means comparing real options — Medigap, Medicare Advantage, and Part D — across multiple carriers, matched to your doctors, your prescriptions, and your budget. As an independent Medicare agent serving Camp Hill and the Harrisburg area, that's exactly what we do.


Anthony Acri holds the RSSA (Retirement Services Support Associate) designation and brings that retirement planning perspective to every Medicare conversation. No call centers. No pressure. A local agent who knows the plans available in your area.

What’s We Cover

Smart Guidance Through Every Step of Medicare

Medicare can be complex—but your choices don’t have to be. We help individuals and families from Camp Hill to Harrisburg understand and enroll in the right coverage.

  • Medicare Part A & B Enrollment

    Part A covers hospital stays; Part B covers outpatient care, doctor visits, and preventive services. We guide Pennsylvania residents through initial enrollment windows, coverage coordination, and how to avoid late-enrollment penalties that can follow you permanently.

  • Medicare Supplement Plans (Medigap)

    Medigap plans help cover out-of-pocket costs Original Medicare leaves behind — copays, deductibles, and coinsurance. We compare Medigap options from multiple carriers available to Pennsylvania residents and match coverage to how you actually use your healthcare.

  • Medicare Advantage (Part C) Plans

    Medicare Advantage plans bundle hospital, medical, and often prescription and dental coverage into one private plan. Available plan options vary by county in Pennsylvania — we compare what's actually available in the Harrisburg and Camp Hill area and explain the tradeoffs against Original Medicare plus a supplement.

  • Prescription Drug Coverage (Part D)

    Standalone Part D plans cover prescription costs and help you avoid late-enrollment penalties. We match Part D plans to your current medications and preferred pharmacies — a detail that matters more than the premium alone when you're comparing options.

Local Medicare Guidance. No Hotline. No Confusion.

Choosing between Medigap and Medicare Advantage isn't just a financial decision — it affects which doctors you can see, which hospitals are in-network, and what you pay out of pocket when something goes wrong. Getting it wrong is easy. Fixing it is only possible during specific enrollment windows.



Pennsylvania residents also have access to SHIP — the State Health Insurance Assistance Program — which provides free, unbiased Medicare counseling. As an independent local agent, we offer the same unbiased guidance, with the added ability to actually enroll you in the plans we recommend and stay available for questions year after year.

What we help you navigate:
  • Comparing Medigap and Medicare Advantage side by side, based on your health needs and budget
  • Verifying that your current doctors and preferred hospitals accept the plans you're considering
  • Timing your enrollment to avoid permanent late-enrollment penalties
  • Reviewing your coverage annually so you're not locked into a plan that no longer fits

The Annual Enrollment Period: October 15 – December 7

Every year, Medicare's Annual Enrollment Period runs from October 15 through December 7. During this window, you can switch from Original Medicare to a Medicare Advantage plan, switch back, change your Advantage plan, or swap your Part D prescription drug plan. Changes take effect January 1 of the following year.



This is also the time to review whether your current plan still makes sense — because plan details change every year. Premiums shift, formularies change, and the plan that fit your situation last year may not be the best option now.


We contact our Medicare clients proactively before and during the AEP to review their current plan against available alternatives in Pennsylvania. If a better option exists, we'll find it. If your current plan is still the right fit, we'll confirm that and you move on.

If you didn't get that call from your current agent last October, that's worth noting.

A brick chimney is visible through the leaves of a tree in front of a building.
Frequently Asked Questions

Medicare Insurance in Pennsylvania

  • When should I enroll in Medicare in Pennsylvania?

    Your Initial Enrollment Period begins three months before the month you turn 65 and ends three months after. If you're already receiving Social Security benefits, you'll be enrolled in Parts A and B automatically. If not, you need to sign up through Social Security. Missing this window without qualifying employer coverage in place can trigger permanent late-enrollment penalties on your Part B and Part D premiums. We work with Camp Hill and Harrisburg area residents to make sure enrollment is timed correctly from the start.

  • What's the difference between Medicare Supplement and Medicare Advantage in Pennsylvania?

    Medicare Supplement (Medigap) works alongside Original Medicare — you keep Medicare as your primary coverage and the supplement pays costs Medicare doesn't cover. Medicare Advantage replaces Original Medicare with a private plan that bundles hospital, medical, and usually prescription coverage. The right choice depends on how you use healthcare, which providers you want access to, and your financial priorities. We walk through both options based on your specific situation before you decide.

  • Do I need Part D if I don't take any prescriptions?

    Enrolling in a Part D plan when you're first eligible is still the right move in most cases. If you skip Part D and later need prescription coverage, you'll pay a late-enrollment penalty added permanently to your monthly premium. The penalty accrues for every month you were eligible but not enrolled. A low-cost plan now protects you from a compounding penalty later.

  • Can I switch Medicare plans after I enroll?

    Yes — during the Annual Enrollment Period (October 15 through December 7 each year), you can switch Advantage plans, move between Original Medicare and Advantage, or change your Part D plan. Changes take effect January 1. We review our clients' plans every year during this window to make sure what they have still fits what they need.

  • Is Medicare free?

    Part A is free for most people who paid Medicare taxes during their working years. Part B carries a standard monthly premium — the base rate in 2025 is $185.00 per month, though higher-income enrollees pay more. Medicare Advantage and Medigap plans have their own premiums, which vary by carrier and plan type. Part D premiums also vary. The total cost of your Medicare coverage depends on which combination of parts and plans you carry — which is exactly why comparing options matters.