Moving to Maine?

Are you moving to Maine or another state, and enrolled in Medicare?

Moving can be a stressful time and you have a lot of things to change and update. You will want to make sure your Medicare and Social Security benefits continue smoothly so here is some important information that I hope will help make it easier.

First, what kind of Medicare plan do you have?


Lettered Plans (Plan G, Plan F, Plan N, etc…)

If you have a Medicare Part D Prescription Drug Plan, with a Medicare Supplement plan that is a “lettered plan” which works in combination with Original Medicare and you move to another state, you will most likely be able to keep the same supplement policy but you will have to change your Part D plan.

When to start shopping for a new plan.

If you’re enrolled in a Medicare Advantage plan under Part C of Medicare, a change in residence, such as moving to another state, could qualify you for a Special Election Period (SEP). During this period of time, you are able to find a new plan that is offered in your new home.

If you permanently move somewhere that your current Medicare plan does not cover (outside the service area), you should call your insurance company immediately and begin looking for a new plan. The phone number for customer service is located on the back of your insurance card.

If you call your insurance company before you move and tell them you are moving, you will have one month before the month you move and three more months after you move to find a new plan but your insurance company may end your coverage at the end of the month that you move. So be sure to ask when your plan will end.

If you notify your plan after you move, you can switch plans the month you provided notice of the move and up to two months after that. Again, your insurance company may end your coverage at the end of the month, so it’s important to ask when it will end.

Medicare Advantage or Part C

If your current insurance plan is not offered in the new area, your plan is required by Medicare to dis-enroll you.  If you don’t enroll in a new Medicare Advantage plan during your SEP, you’ll return to Original Medicare (Part A and Part B).

If you miss this window and do not choose a new plan before it ends you may have to wait for the Annual Election Period (October 15 – December 7) and your coverage will begin January 1st.

Medicare Part D Prescription Drug Plan

The same rules for the Medicare Advantage plans above apply to your Part D plan. If you don’t enroll in a new Medicare Prescription Drug Plan during your enrollment window, you might find yourself without Medicare prescription drug coverage, and you could face a Medicare Part D late-enrollment penalty if you pick up this coverage later on.

You may be able to enroll in a stand-alone Medicare Part D Prescription Drug Plan, or to get your Medicare coverage through a Medicare Advantage Prescription Drug plan – but if you don’t do it within a couple months of your move, you may miss your opportunity to change and would have to wait for the Annual Election Period (October 15 – December 7). Again, if you enroll in a new plan during this period your coverage will not begin until January 1st.

What if you move to an address that’s still within your plan’s service area, but where new Medicare Advantage or Medicare Prescription Drug Plan options are available to you?

This will also qualify you for a Special Election Period. You may use this SEP to enroll into the new plan that is offered in your new service area or do nothing and remain on your current plan.

When should I notify Social Security about my address change?

Make sure you notify Social Security of your change of address. The Social Security Administration handles Medicare enrollment. You can change your address by calling the Social Security Administration at 1-800-772-1213 (TTY users 1-800-325-0778) and speak to one of their representatives from Monday through Friday, from 7AM to 7PM. You can also visit the Social Security office nearest you and fill out a change of address form or visit them online at

How do I find a new plan?

You can use the Planfinder tool on the website and put in your new zipcode and list out all your medications and the tool will give you a list of plans in that area that cover your drugs. This is just very basic information based strictly on the financial costs.

To find out the details on how the plans work and what doctors and hospitals accept the plan you will have to call each insurance company directly and ask the right questions.

Or …

You can call me and save yourself the time and headache. I will help you review all the plans available to you and I will explain each one and how it works. I have many clients who are using the different plans out there and I know from talking to them which plans have the best customer service and which are easiest to use. I can help you like I have helped all of them. Give me a call today. I will be happy to help you. My number is 207-370-0173.

Best of all – it does not cost you anything!

I do not charge anyone for my help, whether you enroll with me or not.  I get paid by the insurance company when I deliver your application so once we pick the right plan I will help you fill out the application and I will turn it into the insurance company for you. I get paid for helping you and it does not cost you anything. You do not pay higher rates or any additional costs. You pay the same rate as everyone else whether I help you or not. So, why not get some great advice and benefit from my experience?

You can use the BOOK APPOINTMENT(link is external) button below to set up a time to speak with me on the phone or in person. I can also send you information ahead of time to get you started. 
Book an appointment with Maine Medicare Options using SetMore
Have a question that needs to be answered right away?  Call me!
You can talk to me at (207) 370-0143
or call toll free 866-976-9038. 
Or send me an email using this form:

Are you turning 65 and still working?  Read this.


Medicare & Dental

Medicare’s coverage of dental care is very limited. Generally, Medicare will not cover preventative dental care, that is care you need primarily for the health of your teeth or your gums and jaw. For example, Medicare will not cover routine checkups, cleanings, or fillings, and will not pay for dentures.

Medicare will cover some dental services if they are required to protect your general health, or if you need dental care in order for another health service that Medicare covers to be successful. Such as dental services that are necessary for radiation treatment, or if you need surgery to treat fractures of the jaw or face, Medicare will pay for these types of “medically necessary” dental services. 

It will not, however, pay for any follow-up dental care after the underlying health condition has been treated. So, if Medicare paid for a tooth to be removed as part of surgery to repair a facial injury, do not expect Medicare to pay for any other dental care you may need later because you had the tooth removed, and Medicare will not pay for dental implants or dentures to replace the extracted tooth.

This is an unexpected reality for most people that I meet with who are leaving an employer insurance plan and have had dental insurance. When you’re used to your insurance covering these types of things it can be frustrating to find out that you will no longer have this coverage. But…

Some Medicare Advantage Plans Include Dental Coverage

There are a few Medicare Advantage plans available in Maine and New Hampshire that cover routine cleanings and other work at the dentist.  When it comes time for you to enroll in Medicare or during the Annual Open Enrollment Period (October 15th – December 7th in 2016) it is a good idea to review these plans if dental care is important to you.  Plans change every year and your plan may have added dental coverage and you may not know it.

Dental insurance is also an alternative.

You can get a free quote from Delta Dental by clicking here.(link is external)  The monthly premiums equal what most people pay out of pocket for their 2 cleanings each year so why not spend that money on the insurance now so when you need a filling you will have the coverage.   [Click here to see plans](link is external)

Dental Discount Plans are another popular option.

Discount plans are gaining in popularity.  For a yearly membership fee (roughly $10/month,) you can buy into a discount dental plan, which allows you to get some pretty significant discounts (up to 60% and 70%) and the only catch is that you use dentists that are in your plan’s network.  [Click here to see plans](link is external)

“Discount dental plans work like a BJ’s or a SAM’S Club membership,” says Edan Barshan, president of Universal Dental Plan.  In return for the membership fee, you can choose among a network of dentists who will give 15 to 60 percent rate reductions for certain services.  A $1,000 crown might only cost $600 for a member of a plan.”

“And unlike dental insurance, which may not cover preexisting conditions or have waiting periods, you can shop for a discount dental plan knowing you need a root canal and select the plan that offers the cheapest price,” says Buddy Johnson, chief executive officer of national discount dental provider is external).  “You could sign up today and go to the dentist tomorrow,” he says.

Dental discount plans differ in several ways from dental insurance plans:

  • Discount plans generally cost less than traditional dental insurance.
  • You have to pay for the service in full, or negotiate a payment plan with the provider.

There are generally no restrictions on how many procedures you can get at a discounted price in a given year. Discount plans generally run for one year, so you can switch plans as your needs change. If you have a dentist already, you should ask whether he or she will accept the plan. Otherwise, you’ll need to find a provider who will. A number of discount dental plans include elective services, which are often not covered by insurance plans. Cosmetic dentistry, for example, is almost always excluded by insurance, but cosmetic procedures like tooth whitening are included in many discount plans’ list of services. 

To search for discount plans in your area CLICK HERE(link is external) and put in your zip code.

As with any important financial decision, do your homework first.  Find out what providers in your area are on the plan and what procedures are covered.  Make sure that costs and benefits add up to a net plus for your particular situation.  And if you need help or have any questions just give me a call or send me an email.  I am happy to help you!

Would you like my help?

If you would like help finding the right dental plan or ask a few questions, you can call me directly at 207-370-0143 or use my simple form on the CONTACT page of this site to send an email message.  The best part about working with me is that it will not cost you anything to talk with me to discuss your options and review the plans that are available.  I am paid by the insurance companies in the form of a commission when you enroll in a plan.  You will not pay anything to meet with me and you will pay the same price for your insurance that everyone pays whether they had my help or not.

“My goal is to help people and I have found great joy in being able to offer my services to people who need my help.”

Book an appointment with Maine Medicare Options using SetMore

Want Some Advice? Shop Around!

Like the song says, “You better shop around!”

This is very good advice!

Whether it is groceries, heating oil, or anything else, everybody wants to get the best value for their money. And today’s options for health insurance can be pretty darn costly. That’s why it’s a good idea to shop around for the right Medicare supplement.

Cost is not the only thing to consider.

There are dozens of Medicare plans available in Maine and New Hampshire this year, all with different costs. 

Keeping the following things in mind will help you make a smart choice and get a plan that meets your specific health care needs.

  • How much are each plan’s premiums and deductibles?
  • How much will you pay for the benefits and services you’re likely to use?
  • Is there a limit on what you will have to pay out-of-pocket for the year? 
  • If you’re currently enrolled in a plan, how does that plan stack up to the other plans that are available this year?

Comparing costs of today’s options for prescription drug coverage is another part of the cost puzzle

  • Do you know how much your prescriptions will cost under each plan? 
  • Does the plan cover the drugs you take? 
  • Will the Part D coverage gap (or “donut hole”) effect you?

Only you can determine what mix of benefits and costs will work best with your needs and budget, but I can help. 

Meeting with me will make it easy to compare plans so you can pick one that best meets your needs. 
I will explain everything you need to know and after we’ve narrowed your options to a few really good plans, together we will review those plans to get more details about their benefits and services. 

And you pay nothing for my help!

That’s right. I will help you review your plan options.  I can answer any questions you have about these plans because I am trained by each insurance companies on how the plans work plus I have clients who use these plans and I have real experience helping them year after year.  And I am available throughout the year if you have any questions or need help! 

This means you get to benefit from other people’s experiences!

I will show you which medicare supplements will cost you less and I will also share with you which medicare plans my customers prefer based on their experiences with customer service and working with the insurance company so you’re not stuck fighting to get them to pay for something.
No one plan is perfect for everyone.  Each plan is different, just like each person is different.  I will help you understand the differences so you can make a choice with confidence!

Would you like my help?

If you would like to talk to me or schedule a meeting at your home or a nearby meeting place, you can reach me at 207-370-0143 or use my simple form on the CONTACT ME page of this site to send an email message.  The best part about working with me is that it will not cost you anything to meet with me to discuss your options or to review the plans that are available.  I am paid by the insurance companies in the form of a commission if you enroll in a plan.  You will not pay any more than anyone else and you are under no obligation whatsoever to enroll in any plans if you meet with me. 

“My goal is to help you and I have found great joy in being able to offer my services to people who need my help.”

Book an appointment with Maine Medicare Options using SetMore

Does Medicare Cover Acupuncture or Chiropractic?

For help tracking down supplemental insurance or if you have additional questions about alternative treatment, please call Todd at 207-370-0143

Acupuncture and Chiropractic are alternative ways to help with pain management, as well as other wellness benefits – some people find acupuncture helps them to quit smoking. Out of pocket costs for chiropractic and acupuncture can be hard on your wallet, so many of my clients often ask if Medicare covers acupuncture and chiropractic?

Let’s Talk About Acupuncture First.

Medicare does not cover acupuncture. Medicare offers some coverage for physical, occupational, and speech therapy but no acupuncture as of yet. But don’t get discouraged by this answer! Some insurance plans do cover acupuncture. Read on.

Does Medicare Cover Chiropractic Care?

Medicare does cover medically necessary chiropractic services. According to the Center for Medicare & Medicaid Services (CMS), Medicare Part B now covers 80% of the cost for “manipulation of the spine to correct a subluxation.” There is no cap on the number of medically necessary visits to a chiropractor.

Under Original Medicare, without any additional insurance, you would have to pay your part B deductible and 20% coinsurance for all medically necessary chiropractic appointments.

Do Supplemental Plans Cover Chiropractic and Acupuncture?

Traditional Medicare Supplements (also known as Medigap plans) do not cover acupuncture either. These plans will help pay the left over costs once Medicare has paid their share so if it’s not covered by Medicare then the Medigap plan will not pay either.

Medigap plans do cover chiropractic care. Medigap plan “C” and plan “F” cover 100% of your Part B deductible and will also pay the 20% coinsurance. Combined with Medicare there will be no charge for any medically necessary chiropractic work.

Do Medicare Advantage Plans Cover Chiropractic and Acupuncture?

Yes, some plans in Maine and New Hampshire do offer coverage for these treatments and More!

Some Medicare Advantage (Part C) plans will reimburse you for certain services not covered by Original Medicare. These include Acupuncture, Dental, Fitness Benefits, and Naturopathic Services. Since Part C plans are not standardized, each plan can offer a very different set of fees and benefits. Plans that have these wellness benefits are rare but worth searching for if that is a high priority. Chiropractic is usually available with a Medicare Advantage plan but how much you will pay can vary by plan.

For help tracking down which Medicare Advantage plans offer the benefits you need or if you have additional questions about other alternative treatments, send me a message using the CONTACT ME page on the menu above or call me at 207-370-0143.

Related Content

> > Compare Medicare Advantage and Medigap

> > Help is there – When you need it!

Would you like my help?

If you would like to talk to me or schedule a meeting at your home or a nearby meeting place, you can reach me at 207-370-0143 or use my simple form on the CONTACT ME page of this site to send an email message.  The best part about working with me is that it will not cost you anything to meet with me to discuss your options or to review the plans that are available.  I am paid by the insurance companies in the form of a commission if you enroll in a plan.  You will not pay any more than anyone else and you are under no obligation whatsoever to enroll in any plans if you meet with me. 

“My goal is to help you and I have found great joy in being able to offer my services to people who need my help.”

Book an appointment with Maine Medicare Options using SetMore


CMS Lifts Sanctions on Cigna

UPDATED on July 12, 2017.

Cigna, whose Medicare Advantage business has been under sanctions for 18 months, is once again free to enroll customers in MA plans beginning July 1, according to a filing from the Securities and Exchange Commission.

The Centers for Medicare and Medicaid Services lifted a suspension placed in January 2016 after “widespread and systemic” failures that prevented members from accessing medical services. According to Reuters New Reporting Service, the governments imposed sanctions when it learned Cigna failed to “handle complaints and grievances properly from patients who had been denied coverage for health benefits or drugs.” The audit also found issue with its list of covered drugs.

According to Modern Healthcare, the sanctions have had a big effect on Medicare enrollment figures. As of March 31, Cigna enrolled 441,000 Medicare members, down 20 percent from the same period in 2016, just after the sanctions took effect. According to the 2017 Q1 report, revenue was also down 18 percent over the last year.

The Original story (published in 2016) …

Cigna Corp. announced on September 6, 2016 that it will not be able to offer new insurance plans during Medicare’s upcoming Annual Open Enrollment period.

Cigna said, in a notice filed with the U.S. Securities and Exchange Commission, that it’s still working with the Center for Medicare & Medicaid Services (CMS) to address audit findings that led to a Medicare plan sales ban in January of 2016.

“Cigna expects that these matters will not be resolved in time to participate in the 2017 Medicare Advantage and Part D annual enrollment period.”

In January of this year, CMS accused Cigna of running its Medicare plans in a way that threatened enrollees’ access to care. CMS prohibited Cigna from selling new Medicare plans in 2016, but allowed Cigna to continue to cover the people in the Medicare plans it had already sold.

CMS also has opened up the rules for anyone currently on a Cigna Medicare plan so they can change plans at any time. Cigna Plan Members in 2016 do not have to wait until the 2017 Medicare plan annual enrollment period which is set to run from Oct. 15 through Dec. 7th.

If you have a Cigna plan and want to review your options you can do that today and your new plan can start the 1st of next month! You do not have to wait until the end of the year!

If you have a Cigna Part D prescription Medicare drug plan and would like to find a plan that gives you better coverage or lower costs you can call 207-370-0143 and a licensed agent will review your plan choices with you.  There is no obligation to change plans and there is no cost for this help.  You can also call toll free: 866-976-9038 or fill out the online request HERE.

How to get the Generic EpiPen & pay less.

The drug company Mylan recently announced that it would roll out a new, generic version of its branded drug for just $300 per two-pack for commercially-insured patients.

Mylan has expanded it’s patient assistance program, which provides coupons and discounts to patients whose household incomes are four times the federal poverty limit.

The company’s generic version of the EpiPen is set to launch “in several weeks” and will be listed at 50% of the price of the brand name version, which has a retail price of about $600 per two-pack.  Aside from the cost, the generic version will be “identical to the brand-name product, including device functionality and drug formulation.”

If you have insurance with a high deductible, you will want to apply for their $300 savings card to access the generic EpiPen.  The “My EpiPen Savings Card,” as it’s called on the company’s website, will then “act as cash” at the pharmacy, bringing down the cost of your co-pay or co-insurance for a two-pack of EpiPens to no more than $300.  You can use the savings cards to purchase up to 6 two-packs per year.

Click here to get your card:

If you have any questions or need help with the cost of your medications or would like reviewing your health insurance plan or Medicare Part D prescription drug plan, please send me a message using the CONTACT page or call me at (207) 370-0143.

If you don’t have an agent and would like one on your side then send me a message or give me a call.

You can reach me at (207) 370-0143 or by email using the form on my CONTACT page here.

“My goal is to help people and I have found great joy in being able to offer my services to people who need my help.”

Book an appointment with Maine Medicare Options using SetMore

What to do when monthly premiums go up.

Each year I hear from retirees in Maine and New Hampshire who have purchased expensive Medicare Supplement (Medigap) policies.  They have talked to a friend or neighbor who has worked with me and want to know why they are paying so much more.

If you have a Medicare Supplement then last year was particularly painful because there was no cost of living increase to your Social Security check yet the insurance companies still increased your rates.  And it looks like that will happen again this year with trustees projecting a 0.2 percent increase for 2017 and insurance premium increases are expected to be 3-5%.

So, what are your options?

Option #1 – Look at Medicare Part C (Medicare Advantage)

The first and most obvious choice for lowering costs is to look at Medicare Advantage plans, also known as Medicare Part C. These plans are required to offer everything that’s covered under Original Medicare, Part A and Part B, and may include other benefits as well, such as prescription drug coverage, dental, and vision.

These plans have much lower monthly premiums and unlike your Medicare Supplement the monthly premiums for Medicare Advantage plans have been going DOWN with a few plans now charging $0 per month.  These plans have cost shares that you pay when you go to the doctors or hospital but if you are only seeing a few doctors each year the savings can be big.

Click here to compare Medicare Advantage rates in your area.

Option #2 – Shop Around

Your second option is to shop around and find out if there is a less expensive plan that will suit your needs.  There are many plan choices that offer lower monthly premiums with more out of pocket costs.  If you have Plan F then you are on the most expensive plan available.

Look at the differences between Plan N, Plan G and Plans K or L to see of those would be better.  Be careful when changing plans and make sure you talk to your agent to make sure you are aware of all the costs.  Click here to compare Medicare Supplements in Maine and New Hampshire.

Option #3 – Change Insurance Companies

Another option is changing insurance companies.   Medigap plans are standardized and the coverage is identical from one carrier to another.  If you have Plan F with Company A and see that Company B is offering Plan F for less, you can switch to the lower cost plan and your benefits will not change.

Again, when changing plans it’s always best to talk to your agent to make sure you are aware of all the costs.  Click here to compare Medicare Supplements in Maine and New Hampshire.

Click here to contact me for more information on Medigap plans or more information on how to easily change plans.

Option #4 – Work with a local Independent Agent to help you.

Last but not least, if you are not working with a local agent then you should.  Unlike purchasing auto, home or life insurance, buying a health insurance policy is just the beginning, not the end of the process.  Why? Your health and that of your family can change constantly — and so can your insurance needs.

About 80 percent of what an agent does comes after you are enrolled in the insurance plan.  With health insurance, an agent remains your advocate. Since most people receive their health insurance through an employer before retirement, they see very little of the ongoing services that agents provide. To give a few examples, agents:

  • Assist clients with claim issues, and answer questions throughout the year.
  • Review rates and plan changes each year.
  • Explain plan designs, benefits and options.
  • Assist in resolving billing issues.

Licensed agents act as a single point of contact between you and the insurance company.  There is no cost to work with an agent.  Agents are paid in the form of a commission based on your enrollment in a plan.  These commissions are paid by the insurance company, not you!

“It really is a win-win situation for all my clients!”

If you don’t have an agent and would like one on your side then send me a message or give me a call.  I would love to help you save money!

You can reach me at (207) 370-0143 or by email using the form on my CONTACT page here.

“My goal is to help people and I have found great joy in being able to offer my services to people who need my help.”

Book an appointment with Maine Medicare Options using SetMore

Scam Alert!

There are two Social Security scams you need to watch out for at the moment.

The first one is where you receive an official-looking email from the Social Security Administration with an invite to create an account so you can receive your benefits. You land on a webpage where the scammers hope you will fill out all your confidential information. Don’t fall for it.

Never click on links in any of these emails. If you want to sign up for a My Social Security Account go directly to

Thomas Farrington of Maine Web Service, a provider of computer maintenance and security services advises, “It is a good practice to not follow links received in an email.  Instead, type the address in your browser to go directly to the site.  This is particularly important when going to a site where you enter any personal information.”

In the second scam, identity thieves obtain your personal information and use that information to open a ‘my Social Security’ account on SSA’s website. If successful, they then use that account to redirect your direct deposit benefits to an account controlled by the thief.

This should in no way discourage you from using SSA’s ‘my Social Security’ feature, which enables you to view your earnings history and estimated benefits.

in fact, establishing your account eliminates the risk of a new account being opened by an identity thief. This type of crime does, however, serve as a reminder to protect your personal information as you would any other thing of value. Once thieves have your personal information, they can use it to open credit accounts, buy homes, claim tax refunds, and commit other types of fraud.

Mr. Farrington’s advice when creating your MySSA account, is to go into the settings and choose the option that any changes to the bank account into which your check is electronically deposited only be done physically at a Social Security branch office and not using your online account.

If you receive information from SSA indicating that you have opened a ‘my Social Security’ account, and you did not open an account, you should contact Social Security so that appropriate action may be taken, and the matter may be referred to the Office of the Inspector General. You can do so by visiting or calling a local SSA office or calling SSA’s toll free customer service at 1-800-772-1213. Deaf or hearing-impaired individuals can call Social Security’s TTY number at 1-800-325-0778.

What your doctor’s office doesn’t know could hurt you!

Has this ever happened to you?

You sign up for new insurance online and you pick a plan that you think is great because the price is right and all the copays are low, then you get a huge bill from your doctor’s office saying that the insurance did not pay.  What gives?

I recently talked to someone who was told by a customer service agent on the “Obamacare” helpline to call her doctor’s office to find out if they accept the insurance.

“This is a big mistake.”

Often times the staff at your doctor’s office sees many different insurance cards.  They may see a card from the company who has the plan that you chose and it will sound familiar to them so they may say, “Yes, we accept that insurance.”

The problem is that your new plan may be an HMO (Health Maintenance Organization) and if that’s the case, this plan has a network of doctors that will accept the insurance.  Any doctor not participating in this network will not accept the plan.

What’s the problem if they say they accept it?

The problem is that they may not know it’s an HMO plan.   See, there are many different types of plans and some are PPO (Preferred Provider Organization) plans.  These PPO plans have coverage for out-of-network doctors (usually at higher rates.)

Read more about the differences between HMO, PPO and other plans here.

So, if someone has a PPO plan with the same insurance company then they could see any doctor because it covers doctors visits whether they are IN or OUT of the network.  The staff at your doctor’s office may have seen people with cards from this insurance company so the staff at your doctor’s office might have the impression that they accept ALL plans from this company which may not be the case.   If your doctor is not in your new plan’s network then your new HMO plan will not pay the bill and you will either have to find a new doctor or pay the bill on your own.

How can you be sure your doctor accepts your new insurance plan?

Work with an agent or call the insurance companies directly before you sign up for any plan and make sure all your doctors, hospitals and Medications are covered by the insurance.   This is why I believe everyone should work with an insurance agent when shopping for health insurance.  I look at the overall costs associated with the plan when I meet with a new client.  We check to make sure any doctors or services you need are covered by the new plan before we enroll.  And we make sure to check to see if all prescription medications are covered because each of the plans covers medications differently.

Don’t be afraid to ask for help!

Working with someone like myself who has the knowledge and experience with insurance can help ensure you do not miss any of these important details and can also simplify the entire process of finding the most cost effective plan.

The best part about working with an agent is that it will not cost you anything to talk with me to discuss your options and review the plans that are available. I am paid by the insurance companies in the form of a commission when you enroll in a plan. You will not pay anything to meet with me and you will pay the same price for your insurance that everyone pays whether they had my help or not.  AND you will have someone to call when you have a question who knows the answers and can give you the correct advice!

Call me (207) 370-0143 or email using the form on my CONTACT page here.

“My goal is to help people and I have found great joy in being able to offer my services to people who need my help.”

Book an appointment with Maine Medicare Options using SetMore

Phyllis Vance turns 65

Today I read that actress Phyllis Smith’s is turning 65. Like me, you probably remember her best from her role of Phyllis Lapin-Vance on the television show, The Office.

If her character were actually turning 65 and retiring and if Dunder Mifflin were in Stratton, Maine instead of Scranton, PA and if she called me to help her find a Medicare plan (I know, a lot of “ifs”).  I started to imagine what that meeting would have been like.

I arrive at Phyllis’ home on time and ring the bell. She answers and invites me in.

I introduce myself, “Hello, I’m Todd.”

We shake hands.

“I’m Phyllis Vance,” she replies. “My husband is Bob Vance, he owns Vance Refrigeration.”

“Oh, yes I’ve seen his television commercials,” I reply.

She smiles a satisfied smile.

As Stevie Wonder plays quietly in the background, we sit down and start talking about what her needs are, when she plans to retire and I tell her a little about myself and how I got into this business of helping people.

“Can I get you something to drink? Water? Coffee?  How about some cake?” She holds up what appears to be a cake in the shape of a woman’s butt wearing nothing but a thong.

“I made it myself. I’m thinking of going into the erotic cake business part time when I retire.”

I politely refuse the cake and I start my standard spiel, “Before I begin explaining Medicare and how it works, do you have any questions?”

She asks if “Viagra” is covered by Medicare and I explain how prescription medications are covered by private health insurance plans with an approved Medicare contract under Part D of Medicare.” I explain, “Not all drugs available are covered by Part D plans. Drugs used for purely cosmetic purposes, as well as Erectile Disfunction remedies such as Viagra and Cialis, are also excluded from most plans. However, starting January 1, 2016 some Medicare Advantage plans and Part D drug plans have included Viagra on their lists of covered drugs.

“That’s good,” she grins, “because when Bob turns 65 he’ll need that.”

I explain how Medicare has four parts, A and B – managed by the federal government, referred to as Original Medicare and C and D – offered by private health insurance companies with contracts approved by Medicare. As I tell her the details on the differences of Part A and Part B, the costs and what they cover, she asks if Medicare would cover her in Rome.

“Friends of ours that I used to work with, Jim and Pam went to Rome a few years ago so Bob is taking me there this summer.”

“That sounds wonderful. I’ve always wanted to see Italy,”

She continues, “Jim and Pam had one of those office romances. I knew about it before anyone else.”

After hearing some stories about this young couple we talk about her insurance options. I explain the differences between Medigap plans and Medicare Advantage plans and how both work with Medicare. I go into detail about the Emergency coverage both types of plans offer outside the U.S., while she is in Rome.  After she asks a few more questions and determines which type of plans seem best for her we talk about the prescriptions she takes and I look them up to see which plans offer the lowest overall costs for her.

After reviewing these plans she tells me which one she likes best and we fill out the application together. While I’m filling out the application I ask if her co-workers threw her a retirement party and she tells me that since she is head of the party planning committee she actually had to plan her own party. She tells me some stories about this horrible woman named Angela that she worked with but in the end she’s really going to miss everyone there, even Angela.

I take the application and I tell her the next steps in the process.  She asks what she has to do next and I tell her, “Nothing.  I will take care of it from here.  If there are any problems with the application, I will call you and let you know.  I will also follow up with you in a couple weeks to make sure you have your insurance card and answer any remaining questions.

We say our goodbyes and I leave my business card so she can contact me if she thinks of any more questions or gets anything unusual in the mail. I get in my car and smile to myself as I drive back to the office, remembering why I love this job so much.  I love helping people and I get to meet so many truly wonderful people from all walks of life and they share some great stories!

The end.

If you want to know more about the differences between Medigap and Medicare Advantage plans I also wrote about that here:

1 2 3