Why Social Security Timing Is Critical for NY Seniors
The age you claim Social Security can impact your lifetime income by tens of thousands of dollars. Many retirees unknowingly leave money on the table.
Our free Social Security benefit review can help you:
Pinpoint the best claiming age based on your financial goals.
Coordinate benefits with your spouse.
Avoid costly monthly payment reductions.
Medicare Guidance for Lake George & Albany Seniors
Medicare isn’t “one size fits all.” Choosing the wrong plan can mean higher out-of-pocket costs, coverage gaps, or wasted premiums.
We help you:
Compare Original Medicare vs. Medicare Advantage in New York.
Understand Parts A, B, D, and supplemental coverage options.
Enroll on time and avoid penalties.
Medicaid Planning — Protect Your Assets While Qualifying
Some think Medicaid is only for those with no savings — but smart planning can protect assets while still meeting eligibility requirements.
We guide you through:
NY Medicaid income and asset rules.
Preserving savings for your spouse or heirs.
Completing the application without costly errors.
Real-Life Success Story
“Mary, a 67-year-old widow in Albany, came to us worried about covering her medical bills. After a Social Security review and Medicare Advantage plan selection, she increased her monthly income by $325 and reduced her prescription costs by 60% — all within 30 days.”
4 Steps to Take Now
Review your Social Security statement every year.
Begin Medicare planning at least 6 months before you turn 65.
Get a Medicaid eligibility check — even if you think you don’t qualify.
Organize all retirement, health, and benefit paperwork in one place.
Book Your Free Consultation Today
Don’t navigate Social Security, Medicare, or Medicaid alone. Get the clarity and confidence you deserve.
📞 Call HCA Insurance: 1-518-888-6622
HCA Insurance — Helping seniors in Albany Capital District Area, Saratoga Springs, Glens Falls, and the Souther Adirondacks Region with trusted retirement, Social Security, Medicare, and Medicaid guidance.
