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.

Medicare Enrollment - Timing

How to Correctly Plan Your Enrollment

Most people getting close to retirement know that Medicare coverage starts when you turn 65.  But that’s not the whole story. If you want to enroll in Medicare without hassles and costly penalties, you need to know exactly when to sign up for the program you want. There are different enrollment periods, so it’s trickier than you might think.’s trickier than you might think.

Medicare & Health Savings Accounts

A health savings account (HSA) is an account that someone with a high deductible health plan (meaning your deductible is at least $1,200 a year for an individual or $2,400 for a family before your insurance benefits kick in) has that they can contribute to on a tax-free basis.

Low Cost Insulin Alternatives

Medicare Part B covers some diabetes supplies, including:

  • Blood sugar (glucose) test strips
  • Blood sugar testing monitors
  • Insulin
  • Lancet devices and lancets
  • Glucose control solutions  
  • Therapeutic shoes or inserts

Note:  You may need to use specific suppliers for some types of diabetic testing supplies.

If you have VA coverage do you need Medicare?

We often get folks asking us this question. And the answer is yes.  With coverage through the Veterans Administration you should also enroll in Medicare Part B and you might also want to consider adding a supplement plan. 


Looking for a new Doctor?

5 Things to Consider When Searching for a New Primary Care Physician. (PCP)

1. Ask Around

When and How to Enroll in Medicare

It's always best to start early because the rules and deadlines for Medicare enrollment can be confusing. Here's what you need to know...
Firstly, Medicare has two parts: Part A, which is your hospital coverage and has no monthly premium for most people, and Part B which is your Medical coverage (doctor's visits and other medical services).  Part B costs $104.90 per month for most enrollees in 2015.