Amber Shaw, Medicare Insurance Broker
Amber Shaw
Bankers Life
Medicare Broker Licensed in ME, FL, MA and NH
8+ Years of Experience
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Serving
Maine
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About Me
As a lifelong Mainer, I'm passionate about helping individuals confidently navigate Medicare and retirement planning. With nearly eight years of experience, I work one-on-one with clients to simplify what can often feel like an overwhelming process.
I believe Medicare isn't just about choosing a health plan—it's about making informed decisions that fit your healthcare needs, lifestyle, and long-term financial goals. I take the time to educate my clients, answer their questions, and provide ongoing support long after enrollment.
As an independent Medicare broker, I represent multiple insurance carriers rather than being tied to a single company. This allows me to compare plans from a variety of insurers and recommend coverage that best fits each client's healthcare needs, budget, and personal goals. As a Retirement Income Certified Professional (RICP®), I also understand how Medicare fits into the bigger picture of retirement planning, helping clients make informed decisions that support both their health and financial future. I offer free, no-obligation consultations so you can explore your options with confidence.
In addition to Medicare, I help clients with retirement income planning, life insurance, long-term care planning, and financial strategies, allowing me to provide a comprehensive approach to protecting their future.
Whether you're turning 65, retiring, transitioning from employer coverage, or simply reviewing your current plan, my goal is to make the process easy to understand and stress-free. There is never any pressure—just honest, personalized guidance to help you make the best decision for your unique situation.
I proudly serve individuals throughout Maine and New Hampshire and am happy to meet in person, virtually, or by phone.
Directions to My Office
My Google Reviews
6 Total Reviews (5.0 )
May 2, 2024
Amber is highly competent and genuine in her care for her clients. She makes a point of being available and willing to help with any questions or concerns and presents options to improve your life situation. Highly recommended!
April 23, 2024
We would recommend Amber 110% she will guide you and inform you and provide with your best interest for you today and your future. Best customer service and professional. Gives you advice and time to decide and helps you look ahead on things that you will benefit from. She is knowledgeable in her job. Thank you for being part of our future.
April 20, 2024
Amber gives great customer service! She is very detail and thorough with helping us with our options in retirement.
April 19, 2024
She is fantastic and passionate about her clients. You are in good hands. She is my agent, my coworker, and my friend!
July 25, 2022
I was very pleased with my experience with Amber. She is a warm, friendly and very knowledgeable, and presented me with a wealth of information about health insurance, so that I felt confident when choosing a better health plan. i would highly recommend her services to friends and family.
Q&A with Amber Shaw
How can I save money on my Medicare Supplement?
Answer: You may be able to save money by comparing Medicare Supplement plans, since premiums can vary between insurance companies even though the benefits are standardized. An independent Medicare broker can compare multiple carriers and help you find the coverage that best fits your needs and budget.
I'm retiring next year - do I need to do anything with my Medicare?
Answer: Yes. If you're retiring next year, it's important to review your Medicare enrollment before your employer coverage ends to avoid coverage gaps or late enrollment penalties. A Medicare agent can help you understand your options and ensure your coverage starts at the right time.
Can Medicare Part D deny coverage for a brand-name drug if a generic isn't available?
Answer: Yes, a Medicare Part D plan may deny coverage for a brand-name drug if it is not on the plan's formulary, even if no generic equivalent is available. However, you or your prescriber can request a formulary exception if the brand-name medication is medically necessary.
Can I use a health savings account (HSA) to pay Medicare premiums after I retire?
Answer: Yes. After you retire, you can use money already in your Health Savings Account (HSA) tax-free to pay eligible Medicare expenses, including Medicare Part B, Part D, and Medicare Advantage premiums. However, HSA funds generally cannot be used tax-free to pay Medigap (Medicare Supplement) premiums.
How will advancements in wearable health tech (like smartwatches) integrate with Medicare?
Answer: Wearable health technology is becoming more common in healthcare, and Medicare may cover certain remote patient monitoring services when they're medically necessary and ordered by a healthcare provider. Coverage for wearable devices themselves varies, so it's important to review your plan's specific benefits.
Why is regular Medicare better than an advantage plan?
Answer: Neither Original Medicare nor Medicare Advantage is universally "better"—the right choice depends on your healthcare needs, budget, and lifestyle. Original Medicare offers greater provider flexibility nationwide, while Medicare Advantage plans often include additional benefits like dental, vision, and prescription drug coverage.
My friend lives in a different city and has a much more detailed Medicare plan. Is their plan dependent on their location?
Answer: Medicare plan availability and benefits can vary by county, ZIP code, and state, so your friend's plan may not be available where you live. That's why it's important to compare plans based on your own location, healthcare needs, and prescription medications.
If my parent needs care at a hospital out of state, will their coverage still work?
Answer: It depends on the type of Medicare coverage they have. Original Medicare is accepted nationwide by providers who accept Medicare, while Medicare Advantage plans may have network restrictions for non-emergency care, though emergency and urgent care are covered anywhere in the U.S.
What are the reasons why I should work with a Medicare agent?
Answer: Working with a Medicare agent gives you access to personalized guidance, helping you understand your options and choose coverage that best fits your healthcare needs and budget. As an independent Medicare broker, I compare plans from multiple insurance carriers—not just one company—and my services are provided at no additional cost to you.