Your Medicare guide


AAA is your trusted Medicare friend

When it comes to beginning your Medicare journey, we make it simple!

The road to Medicare is much easier to navigate with a trusted friend to show you the way. As always, AAA is here to help you. Wherever you are in your Medicare journey, our AAA Licensed Insurance Agents can help ensure you stay on track to meet important dates with a Complimentary Medicare Review.

Choosing a Medicare Plan

So many plans, so many choices. Our AAA Licensed Insurance Agents are here to help with answers to all your questions and a complimentary, unbiased review of all your options. We can even help you enroll in a Medicare plan when you’re ready. We make it simple and are here to help every step of the way.

Talk to us about your health care needs and priorities. We work with your best interests at heart and will shop to find the best options for you, including plans that:

  • Save you money with $0 premiums

  • Offer a Medicare Part B premium reduction

  • Provide affordable prescription drug coverage

  • Minimize your out-of-pocket costs

  • Offer extra benefits like dental and vision that Medicare doesn’t cover
Couple having a walking discussion.

Meet Our Medicare Team

Our AAA Licensed Insurance Agents have years of experience and a wealth of knowledge about navigating your Medicare journey. All are Licensed Insurance Agents and are here to answer any questions. Call (877) 477-7120 to talk with a member of our Medicare team.
  • Kristen Tenhagen

    Kristen Tenhagen, AAA Licensed Insurance Agent. Kristen is a Licensed NYS Health Agent specializing in Medicare. Kristen’s father was faced with a serious health challenge which inspired her to pivot careers as she suddenly had to understand and make decisions regarding her father’s health insurance. She quickly studied, researched, and learned the many Medicare options available and determined what was the best choice for someone facing cancer treatment. Kristen is passionate about impacting the lives of Medicare beneficiaries as they seek to understand the complexity of Medicare and their options to ensure they are in the right Medicare plan that meets their unique needs.
  • Michael Matecki.

    Michael Matecki, AAA Licensed Insurance Agent. Michael has a background in education and training, with a focus on Medicare since 2018. He has trained more than 100 Medicare specialists and advisors and now shares his expertise and knowledge with AAA members, helping them navigate through their Medicare options.
  • David Kamholz

    David Kamholz, AAA Licensed Insurance Agent. With a background of 25 years in customer service and business management David has experience in working with a wide range of members and individuals, ensuring they receive the highest level of attention and care. His focus is always on building a strong relationship and foundation with our members and placing their needs as a priority while helping guide them on their Medicare journey.
  • Roman Crespo

    Roman Crespo, AAA Licensed Insurance Agent. With a financial industry background, Roman has witnessed the challenges of individuals on a fixed income. Because of this, he is sensitive to the financial needs and limitations of Medicare beneficiaries. His priority is not only to find a Medicare plan that fits your needs, but to be your partner going forward to find Medicare plans that will grow with you. Building relationships with our members is very important to Roman.
  • Alex Mercado

    Alex Mercado, AAA Licensed Insurance Agent. Alex has a Bachelor of Science in Sociology & a minor in social welfare. After graduating he worked as a Bilingual (Spanish speaking) social worker in Erie county for 7 years between two agencies; Erie county Children’s Services and the Learning Disabilities Association of WNY. Alex was a Certified application counselor with UnitedHealthcare for 5 years where he assisted individuals and families obtain free or low cost health coverage through the NYS of Health marketplace. He is excited to use his education and experience to help Medicare beneficiaries make the right decision for their health insurance.
  • Sam Bacher

    Sam Bacher, AAA Licensed Insurance Agent. Sam has a background in health insurance and customer service. As a licensed insurance agent with AAA, Sam makes it his mission to make the Medicare process as seamless as possible for our members. Medicare can be complicated and overwhelming; however, Sam will make sure he takes the time to discuss your wants, needs and/or concerns. He will make sure he weighs out all your options carefully and advises you on what plan will be the most beneficial for you. It is of utmost importance to Sam to simply help people, help his community and maintain good relationships with his clients and co-workers.

Talk to our AAA Licensed Insurance Agents at your convenience

Remember, we’re working for you—not the insurance providers. Call us with your questions or to schedule your complimentary Medicare review. There’s no cost to you and no obligation. We’ll meet with you in person at one of our AAA branches, schedule a virtual meeting, or just chat by phone.

Schedule An Appointment

Our Carriers

In helping you find the Medicare coverage that best fits your needs, we’ll shop for plans from these carriers. Some carriers and plans are only available in select counties within our territory.

  • Aetna®
  • CDPHP (Capital District Physicians' Health Plan, Inc.)
  • Excellus BlueCross BlueShield
  • Highmark®
  • Humana
  • Independent Health
  • MVP Health Care
  • UnitedHealthcare 
  • Univera® Healthcare
  • Wellcare™
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Our AAA Licensed Insurance Agents are here to help you

Our AAA Licensed Insurance Agents will talk with you to understand your personal situation and help you sort through your options. We’ll give you unbiased advice about the coverage options that are best for you. If you have questions, please call us at (877) 477-7120.

Schedule An Appointment Attend a Webinar

By calling, you agree that a AAA Licensed Insurance Agent may contact you. AAA Insurance is provided through AAA Members Insurance Agency of Western & Central New York, Inc, which offers products through AAA-affiliated companies and non-affiliated companies. Not affiliated with any government agency including Medicare. We do not offer every plan available in your area. Currently we represent 12 organizations which offer 65+ products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

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