Medicare Advantage
Navigate Part C plans with confidence. We compare options so you understand exactly what's covered — and what it costs out of pocket.
Cochranton, PA
Your retirement deserves the same care you've always given yourself.
Medicare, life, and annuity insurance — explained with patience, priced with honesty, and tailored to the life you've earned.
Medicare Specialists
Local & Trusted
Complimentary Planning
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What We Offer
Insurance solutions built around your later years
Every plan we discuss is chosen for clarity, not complexity. We focus on the coverages that matter most when you're ready to enjoy what you've worked for.
Medicare Supplement
Fill the gaps left by Original Medicare. We'll walk you through Medigap plans and help you find the right level of protection for your budget.
Part D Prescription
Medication coverage that fits your routine. We review your prescriptions and match you with a plan that keeps your costs predictable.
Life Insurance
Whether it's final expenses or legacy planning, we help you secure coverage that protects the people who matter most.
Annuities
Guaranteed income you can count on. We explain annuity options clearly so you can decide what aligns with your financial goals.
Medicare Annual Reviews
Your needs change — your plan should too. We review your coverage each year during Open Enrollment to make sure you're still getting the best fit.
About CST Senior
A local presence with deep expertise
Based in Cochranton, Pennsylvania, CST Senior Insurance Services was founded on a simple belief: senior insurance shouldn't feel like a puzzle. Too many people navigate Medicare, life insurance, and annuities alone — overwhelmed by jargon and pressured into decisions that don't fit.
We take a different approach. Every consultation starts with listening. We learn about your health, your budget, and what you want your later years to look like. Then we translate the details into plain language and present options that actually make sense.
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No pressure, no rush
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Plain-language explanations
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Continuing support, not just enrollment
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Locally rooted, always accessible
How It Works
Three steps to clarity
From first call to coverage in place — here's what to expect.
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Reach Out
Call or email us to schedule a free, no-obligation consultation. Tell us what you're looking for — we'll handle the rest.
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Review & Compare
We sit down with you — in person or by phone — and walk through every option. No rush, no jargon. Just honest answers to your questions.
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Enroll & Relax
Once you choose, we handle the paperwork and follow up to make sure everything is set correctly. You stay covered — we stay available.
I never understood Medicare until I sat down with CST Senior. They took the time to explain everything without making me feel rushed. I finally feel confident about my coverage.
Common Questions
Answers before you ask
Medicare is federal health insurance for people 65 and older, as well as certain younger individuals with disabilities. Initial Enrollment Period begins three months before you turn 65 and ends three months after. We help you understand every window and avoid late-enrollment penalties.
Original Medicare (Parts A & B) covers hospital and medical services but leaves gaps — deductibles, coinsurance, and no prescription drug coverage. Medicare Advantage (Part C) bundles those benefits and often adds dental, vision, and hearing. Neither is universally better; it depends on your health needs and budget.
Our consultation is complimentary. We are compensated by the insurance carriers, so there is no fee to you for our guidance. Our loyalty is always to you — the person we're helping.
Absolutely. Many of our clients are already enrolled and want to make sure they're on the best plan for their current needs. We review your coverage annually and can help you switch during Open Enrollment or Special Enrollment Periods when applicable.
Yes. We also assist with life insurance, annuities, and prescription drug plans (Part D). If you're thinking about final expenses or guaranteed income in retirement, we can walk you through those options as well.
Get in Touch
Let's start a conversation
We're here when you're ready. Reach out by phone, email, or visit us at our Cochranton office — there's no wrong way to begin.
(814) 408-6678
cstseniorins@gmail.com
3897 Rynd Rd, Cochranton 16314-6931
Mon – Fri: 9:00 AM – 5:00 PM
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