FAQ - Frequently Asked Questions

My mother has a very low income. Can she get extra help paying for her prescriptions?

Yes. Have her contact her local Social Security office to find out if she qualifies for "Extra Help" with her drug costs. She should also contact the Dept. of Health and Human Services to find out if she qualifies for a Medicare Savings Plan. This could help her pay for her Part B premium and pay some or all of her Medicare costs. Click here to download a booklet about Medicare's Extra Help.

I've heard a lot about the "Donut Hole" or Coverage Gap in Medicare Part D. If I reach the gap in 2016 what is the discount I will get on covered brand name prescription when I am in the gap?

Once reaching the coverage gap in 2016, you will pay 45% of your plans cost for covered brand-name prescription drugs. Click here to read more about Part D.


If I have a health emergency while visiting my family in Florida and then go to the emergency room for treatment, will I be covered?

Most insurance policies cover the cost of emergency room visits either completely or with a small co-payment. Some also offer coverage outside the United States if he were to travel to Canada or abroad.


My husband turns 65 on June 10th, when can he get a Medicare Supplement or Medicare Advantage plan?

He can sign up for a Supplement or Medicare Advantage plan when he first becomes eligible for Medicare. He has a 7-month period to enroll in Medicare that begins 3 months before his birth month, the month of his birth, and ends 3 months after his birth month. His coverage will start on the first day of his birth month. Click here to learn more about enrollment periods.

We have recently moved to Maine from Massachusetts. Can we join another Supplement or Medicare Advantage plan here in Maine?

Yes. You have 63 days to find another Medicare Advantage plan if your current plan is not available in your area. Medicare Supplements can travel with you anywhere in the U.S. but you are entitled to change plans if there is a better plan available and you will probably need to find a new Part D drug plan. Click here to find local help comparing plans in your area.

"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."

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.

Book an appointment with Maine Medicare Options using SetMore

 The 4 parts of Medicare

Medicare Part A (Inpatient or Hospital Coverage)
Medicare Part B (Outpatient Coverage) 
Medicare Part C (Medicare Advantage plans) 
Medicare Part D (Medicare Prescription Drug Coverage