Team photo
Centuria Financial Group


David P. McCabe,


Financial Planner, Prudential Advisors


Jason M. Bowers,


Financial Planner, Prudential Advisors


Nathaniel D. High, RICP®

Financial Planner, Prudential Advisors


Nicholas Over

Financial Planner, Prudential Advisors


Melissa L. Lang

Client Relations Manager, Prudential Advisors


Centuria Financial Group

2333 Baltimore Blvd Suite B

Finksburg, MD 21048


Phone:  443-952-7232

September/October 2022

Review Your Plan During Medicare Open Enrollment

Medicare's annual open enrollment period runs from October 15 through December 7. If you're covered under Medicare, open enrollment provides an opportunity to review your current healthcare coverage - preferably with a professional - and make changes, if warranted.

During open enrollment, some things you can do include:

  • Switch to a different Medicare Advantage plan with lower premiums and copays or one with better coverage for your health concerns.

  • Change from a Medicare Advantage plan to original Medicare, or vice versa. Keep in mind, though, that Advantage plans can offer drug, dental, and vision coverage that isn’t included in original Medicare or Medigap plans. Advantage plans may also offer extra benefits, such as health and wellness services, hearing coverage, fitness programs, transportation to medical appointments, and custom plans for certain conditions.

  • Switch from a Medicare Advantage plan to a Medigap plan. Medigap plans generally cover you throughout the U.S. and abroad and may be appropriate if you travel frequently within or outside the country. However, if you didn’t enroll in a Medigap plan when you initially signed up for Medicare, any pre-existing condition may disqualify you now. Make sure your application is accepted by the insurer before you switch plans.

  • Medicare Part D provides coverage for prescription drugs. If you aren’t covered under a Medicare Advantage plan, you can add Part D coverage during open enrollment. You can also drop Part D coverage if you no longer need it.



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Life insurance is issued by The Prudential Insurance Company of America, Newark, NJ, and its affiliates. Centuria Financial Group is not affiliated with Prudential Financial. Centuria Financial Group sells insurance products of Prudential Financial's affiliated insurance companies in addition to products of non-affiliated insurance companies. Centuria Financial Group is authorized to sell and service certain insurance products of Prudential Financial companies as well as use this material. Centuria Financial Group and its representatives do not give tax or legal advice. Please consult with your own advisors regarding your particular situation. Offering financial planning and investment advisory services and programs through Pruco Securities, LLC (Pruco), under the marketing name Prudential Financial Planning Services (PFPS), pursuant to a separate client agreement. Offering insurance and securities products and services as a registered representative of Pruco, and an agent of issuing insurance companies. 1-800-778-2255. Prudential Advisors is a brand name of The Prudential Insurance Company of America and its subsidiaries. Melissa L. Lang is employed by David McCabe and not The Prudential Insurance Company of America or its subsidiaries.
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