Team photo
Centuria Financial Group


David P. McCabe,


Financial Planner


Nathaniel D. High, RICP®

Financial Planner


Nicholas J. Over, CFP®

Financial Planner


Sara E. Martin

Client Relations Manager


Jennifer A. McCabe

Client Relations Specialist


Centuria Financial Group

2333 Baltimore Blvd Suite B

Finksburg, MD 21048


Phone:  443-952-7232

September/October 2023

Get to Know Your Medicare

Get to Know Your Medicare

You may be 65 or older, but it’s back to the ABCs when it comes to Medicare. With so many options, it’s important that you understand each before choosing coverage that is best for you.

It’s Medicare enrollment time, which is when current Medicare-eligible recipients can change their coverage without penalty. Whether you are currently enrolled in Medicare or are about to enroll, talk to a medicare specialist for information specific to your situation, but consider knowing the basics:

Original Medicare consists of Part A, which covers mostly hospitalization, and Part B, covering health care like office visits and blood tests. You don’t pay for Part A insurance if you worked 40 calendar quarters and contributed Medicare taxes during that time. You pay for Part B on a sliding scale, as you would with Part D, which is prescription drug insurance. All these parts have deductibles and copays, which is why many Medicare recipients also own supplemental insurance to pick up some of the slack.

Medicare Part C, known as Medicare Advantage, is another option, which replaces all the Medicare parts in many cases, but restricts provider choice. Generally, there are 10 plans offering different levels of coverage that are known by a letter, like A or G, in most states.



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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. Sara E. Martin and Jennifer McCabe are employed by David McCabe and not The Prudential Insurance Company of America or its subsidiaries.
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