Independent insurance agency — New York State

Medicare help from a licensed agent who knows New York

We take the "pane" out of insurance. Medicare planning, Social Security, drug coverage, and Special Needs Plans — explained in plain English, at no cost to you.

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Michael Pane
Michael Pane
Owner — Licensed Insurance Agent

No cost · No obligation · All of New York State

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Licensed Advisors
NY state licensed & certified
No-Cost Service
Free with no obligation
Statewide Coverage
Serving all of New York State

Understanding Your Medicare Options

Medicare has four main parts. Knowing what each covers helps you choose the right plan for your health and budget.

A
Medicare Part A — Hospital Insurance

Part A covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health services.

Covers: Hospital stays • Surgery • Skilled nursing • Hospice
B
Medicare Part B — Medical Insurance

Part B covers outpatient care, doctor visits, preventive services, durable medical equipment, and some home health care.

Covers: Doctor visits • Outpatient care • Preventive services • Lab tests
C
Medicare Part C — Medicare Advantage

An all-in-one alternative to Original Medicare offered by private insurers. Most plans include Part D coverage and often add dental, vision, and hearing benefits.

Covers: Hospital • Medical • Often prescriptions • Extra benefits
D
Medicare Part D — Prescription Drug Coverage

Part D is a standalone prescription drug plan offered by private insurers. It helps cover the cost of medications not covered under Parts A and B.

Covers: Brand-name drugs • Generic drugs • Specialty medications

How The Pane Agency Can Help You

Every person's situation is different. We offer complete Medicare and retirement guidance — all at no cost to you.

A complete review of your health needs, budget, and doctors to build the right Medicare strategy.

Guidance on when and how to claim Social Security to maximize your retirement income.

Medigap plans that fill in the gaps of Original Medicare — copays, coinsurance, and deductibles.

All-in-one Part C plans, often with $0 premiums plus dental, vision, and hearing benefits.

We compare formularies and pharmacies to find the plan that covers your medications at the lowest cost.

Medicare Medical Savings Account plans for employer and group retiree coverage.

The Low-Income Subsidy program helps pay Part D premiums, deductibles, and copays.

Coordinating Medicare with VA benefits so veterans get the most from both.

Help understanding and appealing income-related premium surcharges on Parts B and D.

Guidance on Medicaid eligibility and how it works together with your Medicare coverage.

New to Medicare? We walk you through enrollment windows so you avoid penalties and gaps.

Plans designed for people managing chronic conditions like diabetes or heart disease.

Extra benefits for people who qualify for both Medicare and Medicaid.

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Take our quick retirement survey and we'll match you with the right guidance for your situation — it only takes a few minutes.

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Michael Pane, Owner of The Pane Agency
Licensed in
New York State
Michael Pane
Owner — Licensed Insurance Agent • The Pane Agency — Serving All of New York

At The Pane Agency, my mission is simple: taking the "pane" out of insurance, and giving you the POWER to GAIN. Medicare can feel overwhelming — enrollment windows, plan types, penalties, and paperwork. I turn that confusion into a clear, personalized plan.

As an independent agent, I work with multiple top-rated insurance carriers so I can compare options across the board — not push a single plan. Whether you're turning 65, coordinating VA or Medicaid benefits, or reviewing your current coverage, I'm here to help — anywhere in New York State.

15+ years of Medicare experience · Licensed across New York State · Free, no-obligation guidance

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Medicare Help Across New York State

The Pane Agency serves Medicare beneficiaries statewide — from Western New York and the Finger Lakes to Central New York, the Capital Region, and the Hudson Valley. A few of the communities we work with:

Buffalo & Western New York
Erie & Niagara County
Buffalo, Amherst, Williamsville, Orchard Park, Hamburg, Tonawanda, North Tonawanda
Medicare in Buffalo →
Rochester & Finger Lakes
Monroe & Ontario County
Rochester, Pittsford, Penfield, Webster, Irondequoit, Greece, Gates, Hilton, Canandaigua
Medicare in Rochester →
Central New York
Onondaga & Jefferson County
Syracuse, Fayetteville, Manlius, Solvay, Watertown, Clayton
Medicare in Central NY →
Capital Region
Albany, Rensselaer & Saratoga County
Albany, Saratoga Springs, Troy, Rensselaer
Medicare in the Capital Region →
Hudson Valley
Westchester, Rockland, Putnam & Orange County
Serving Westchester, Rockland, Putnam, and Orange counties
Medicare in the Hudson Valley →

Don't see your town? We're licensed across all of New York State — get in touch and we'll help.

What New Yorkers Say About Working With Michael

Real reviews from clients Michael has helped find the right coverage.

★★★★★
“Incredibly kind, patient and helpful! You won't get better help than this. Forever grateful to Michael for helping me get the health care I need in New York.”
R
Randy Lam
August 2025
★★★★★
“Michael was amazing. Super responsive and got things lined up really fast. He explained everything and was very patient. Could not have had a better experience in what can be a stressful decision!”
J
Jeff
August 2025

Talk to a licensed agent, not a call center

A confusing letter, a looming deadline, a plan that no longer fits — call or send a message and you'll get a straight answer from someone licensed in New York. Free, with no obligation.

(716) 526-8450
mp@thepaneagency.com

Available by appointment — call or text anytime

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