Medicare 101 - The Basics

What is Medicare:  Medicare is the federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD). Medicare is divided into four parts A, B, C & D. 

Money-Saving Tips for Part D Drug Plans

Medicare's Nursing Home Coverage

Medicare Part A covers institutional care in hospitals and skilled nursing facilities, as well as certain care given by home health agencies and care provided in hospices.

Medicare Code Breakdown

Every beneficiary is given a Medicare number. This number is your Social Security number followed by a letter.  Your Medicare number is often referred to as a Medicare claim number.  The letter codes at the end of your Medicare claim number may appear on correspondence you receive from Social Security or on your Medicare card.  These letters represent how you earned your benefit, either through taxes you paid or taxes a spouse may have paid, etc...


What’s the difference between HMO, PPO, POS, PFFS and SNP Plans?

When you’re shopping for health insurance, you have a lot of options to choose from.  

Knowing the differences between plans can help you choose the one that’s right for your health care needs and budget.

As you look at plans, you may notice that some plans have letters after their names (HMO, PPO, POS, PFFS, SNP, Etc...) but what do they mean?

National Senior Citizens Day - Aug. 21

When Do You Become a Senior Citizen?

Today is National Senior Citizens Day and with more and more Baby Boomers turning 65 each year, the question of when you become a senior citizen is a topic of great interest.

Should you buy direct or use an agent?

If you are reading this then you are most likely in the process of deciding not only if you need insurance, but whether you should enroll direct with the insurance plan online or meet with an insurance agent or broker.  A recent survey asked consumers which they were inclined to use.  When asked if they preferred to buy insurance online or from an agent, the first response was “online.”

Changing from Obamacare to Medicare


Beware Observation Status!


Every year, thousands of Medicare patients who spend time in the hospital for observation but are not officially admitted find out they are not eligible for rehab in a nursing home after they are discharged.

SilverSneakers in Maine

The SilverSneakers Fitness program is an insurance benefit.