Frank D’Ambrosia
Frank D’Ambrosia
Integrity Health and Life
(585) 880-9014
Visit My Website
Since 2015, we have been Helping Good People Make Great Decisions on their customized Health and Life Insurance Needs. We are always working hard to get you all of the Health Insurance benefits you are entitled to, and the best possible Life Insurance at the lowest possible cost.
As an Independent Broker we have the experience and the resources necessary to navigate you through some of the most important decisions you will ever make. With so many intangible aspects to review and understand before you are able to make the best possible decision for YOUR needs.
Here at Integrity Health and Life, we represent many of the top-rated insurance carriers. To make sure you are aware of the maximum coverage at the lowest price. The best part is WE NEVER CHARGE FOR OUR SERVICES. You will never see a bill from us.
Through years of experience, we have a complete understanding of the concerns you may have when deciding on the right Health or Life Insurance plan that meets your individual needs. Let us show you how we provide a truly exceptional experience getting you all of the benefits you are entitled to, and the best possible price and terms for your customized Life Insurance Policy.
Our promise is to be your most trusted adviser.
As an Independent Broker we have the experience and the resources necessary to navigate you through some of the most important decisions you will ever make. With so many intangible aspects to review and understand before you are able to make the best possible decision for YOUR needs.
Here at Integrity Health and Life, we represent many of the top-rated insurance carriers. To make sure you are aware of the maximum coverage at the lowest price. The best part is WE NEVER CHARGE FOR OUR SERVICES. You will never see a bill from us.
Through years of experience, we have a complete understanding of the concerns you may have when deciding on the right Health or Life Insurance plan that meets your individual needs. Let us show you how we provide a truly exceptional experience getting you all of the benefits you are entitled to, and the best possible price and terms for your customized Life Insurance Policy.
Our promise is to be your most trusted adviser.
Products Offered:
Medicare Supplement, Medicare Advantage, Life Insurance, Health Insurance, Final Expense, Dental Plans, Annuities, Long Term Care, Disability Insurance, Prescription Drug Plans
States Serviced
New York, Arizona, North Carolina, Pennsylvania, Georgia, Florida, Ohio, Washington, West Virginia
Frequently Asked Questions
We provide information to help you understand your Medicare coverage options and assist with enrollment in plans offered by insurance carriers we represent, including Medicare Advantage, Medicare Supplement (Medigap), and Part D prescription drug plans. We can also provide information about programs such as Extra Help (Low-Income Subsidy) that may assist with Medicare prescription drug costs and guide you on how to apply.
No. We never charge a fee for our services. We may be compensated by insurance carriers for enrollments in plans we represent.
You can start reviewing your Medicare options before you become eligible—usually around age 65 or when you otherwise qualify—so you have time to understand your choices and make informed decisions.
Yes. we can review your current coverage and discuss other available plan options during eligible enrollment periods. We can also provide information to help determine if you may qualify for programs such as Extra Help (Low-Income Subsidy) or other savings programs that may help reduce your Medicare costs.
Medicare Advantage (Part C):
These plans are offered by private insurance companies approved by Medicare and provide your Part A (hospital) and Part B (medical) coverage. Many plans may include additional benefits, such as prescription drug coverage, dental, vision, or hearing services. Medicare Advantage plans often use provider networks (such as HMO or PPO), and costs can vary based on the plan and services used.
Medicare Supplement (Medigap):
These plans are designed to work alongside Original Medicare (Part A and Part B) and help pay certain out-of-pocket costs, such as deductibles, copayments, and coinsurance. Medigap plans generally do not include prescription drug coverage, so a separate Part D plan may be needed. These plans typically allow you to see any provider that accepts Medicare.
Choosing between the two:
The right option depends on your individual needs, including your preferred doctors, budget, and how you want to receive your Medicare benefits. We can provide information and help you compare available options in your area.
Yes. We can provide information about Medicare Part D prescription drug plans and help you compare available options based on your medications, preferred pharmacies, and costs. This includes reviewing formularies, estimated out-of-pocket expenses, and coverage restrictions such as prior authorization or quantity limits.
We represent multiple insurance carriers that offer Medicare plans. Plan availability varies by location. Please contact us for a current list of carriers we represent in your area.
Provider participation varies by plan. Some plans, such as Medicare Advantage, may use provider networks (for example, HMO or PPO), which means you may need to use doctors and hospitals within the plan’s network to receive the lowest out-of-pocket costs. Other coverage options, such as Original Medicare with a Medicare Supplement (Medigap) plan, generally allow you to see any provider that accepts Medicare.
It is important to verify that your preferred doctors, specialists, and hospitals participate in the plan’s network before enrolling. We can help check provider participation and review available options based on your preferences.
Yes. We can explain Medicare enrollment periods and when you may be eligible to enroll or make changes to your coverage. This includes your initial enrollment, the Annual Enrollment Period, and Special Enrollment Periods for certain situations. We can help you understand which timelines apply to you and what steps to take.
Yes. We are available year-round to answer questions and provide assistance related to your coverage, within the scope of the plans we represent, including help with understanding your benefits, billing questions, and general plan-related inquiries.
AEP runs from October 15 through December 7 each year. During this time, people with Medicare can review their current plan and make changes for the following year, with coverage starting January 1. We can help you review your options and provide information to help you choose a plan that fits your needs.
We offer flexible appointment options to fit your schedule and preferences. Appointments may be conducted by phone, virtually (such as through a video call), or in person, depending on availability and your location.
To make the most of your appointment, it’s helpful to have some basic information available. This may include a list of your current medications (including dosages), your preferred doctors, specialists, and pharmacies, and any current insurance or Medicare plan information you have.
You may also want to have your Medicare card (if applicable) and a general idea of your healthcare needs, such as how often you visit doctors or any ongoing conditions. Having this information allows us to provide more accurate plan comparisons and discuss options that may fit your needs.
No. There is no obligation to enroll in a plan. Our role is to provide information, answer your questions, and help you understand your Medicare options so you can make an informed decision.
You are free to take your time, compare your options, and choose what works best for your needs. If you decide not to enroll through us, you may still enroll directly with a plan or through other resources available to you.
Articles & Insights from Frank D’Ambrosia
Medicare Advantage
Jul 23, 2026
Medicare Advantage vs. Medigap for People with Chronic Conditions: Which Is the Better Choice?
If you're managing diabetes, heart disease, COPD, arthritis, or another chronic condition, choosing the right Medicare coverage is one of the most important healthcare decisions you'll make. Learn the key differences between Medicare Advantage and Medigap to help you decide which option may fit your needs.
Medicare Advantage
Jul 10, 2026
Does Medicare Cover Home Health Services After a Hospital Stay? Here's What You Need to Know
After a hospital stay, many Medicare beneficiaries are told they need home health services—but they're often unsure what Medicare actually covers. Learn when Medicare pays for home health care, what's included, and how a licensed Medicare agent can help you understand your benefits.
Medicare Advantage
Jul 1, 2026
Mail Order Pharmacy: Pros & Cons for Medicare Advantage Members
Thinking about using a mail order pharmacy with your Medicare Advantage plan? Learn the advantages, disadvantages, and when it may—or may not—be the best option for your prescriptions.
Medicare Advantage
Jun 17, 2026
GLP-1 Weight Loss Drugs and Medicare: What Beneficiaries Need to Know in 2026
GLP-1 medications like Wegovy and Zepbound have become popular for weight loss, but Medicare coverage can be confusing. Learn how Medicare may cover these medications, who may qualify, and what beneficiaries should know about costs and eligibility in 2026.
Medicare Advantage
May 19, 2026
HMO vs PPO Medicare Plans: What’s the Difference in 2026?
Trying to choose between an HMO and PPO Medicare Advantage plan? Learn the key differences, potential costs, provider flexibility, and important factors to consider before enrolling in 2026.
Medicare Advantage
Apr 20, 2026
Medicare Advantage in 2026: Key Changes You Need to Know
If you have a Medicare Advantage plan—or are considering one—2026 brings several important updates that may affect your coverage, costs, and benefits. Here are the exact changes explained in a simple and easy-to-understand way:
Medicare Advantage
Apr 20, 2026
Smooth Sailing with Medicare Advantage: 5 Common Mistakes to Gently Avoid
Choosing a Medicare Advantage plan can feel overwhelming at first—but with the right guidance, it doesn’t have to be. Understanding a few common mistakes can help you make more confident decisions and choose a plan that better fits your healthcare needs and budget.
Here are five common mistakes—and how to avoid them.
Loading