Donna Berube, Medicare Insurance Agent
Donna Berube
Medicare Agent Licensed in NH
Contact Details
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Location
Manchester, NH
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Phone
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Donna Can Help With:
About Me
Hey there, my name is Donna, and I am your local Medicare advisor and agent. I specialize in Medicare and am devoted to helping you find the best plan that matches your specific needs and financial situation. I will take care of the daunting task of comparing plans from well-known national and local companies for you. Even better, my services are completely free! Contact me today to explore your Medicare options, and be sure to mention that you found me on Medicare Agents Hub!
Q&A with Donna Berube
I picked a PPO for the flexibility, but now every time I go out of network the bills are outrageous. What's the point of even having a PPO?
Answer: I know it's very frustrating, try to find Doctors that are in network, and save the PPO part if you need to see a specialist or as a second opinion. You can call member services to find a list of Doctors in network.
Why would you not choose a medicare Advantage plan?
Answer: If someone could afford a Medigap with an added prescription drug plan, they may choose this route if their health wasn't very good. Some people like that they can go to any Doctor that accepts Medicare.
I picked a Medicare Advantage plan based on the low premium, but now I'm facing high copays. Did I make a mistake?
Answer: I don't believe you made a mistake, a Medigap & prescription drug plan would be significantly more money. Always try to be in network, you pay less copayment in Network. If your income is low, you can also apply for some assistance, through Medicaid or extra help for prescription drugs.
What's the most cost-effective way for a healthy 65-year-old to structure their Medicare coverage?
Answer: The most cost effective would be to enroll in a Medicare Advantage Plan, often times the premiums are $0, and I would recommend adding an ancillary protect, such as hospital indemnity to help fill the gap in out of pocket cost, if you were to end up in the hospital.
Does IRMAA go away automatically if my income drops, or do I need to report it to Social Security?
Answer: If your income changes after 1 year, you can make an appointment with Social Security and request a redetermination, they will then look at your income and adjust the Part B accordingly.
What do you like most about being a Medicare agent?
Answer: I enjoy helping people! Medicare is a difficult process and it's ever changing. I like knowing that I am truly making a difference in someone's life by assisting them with this process!
An agent asked me to sign a scope of appointment for before we could discuss my Medicare insurance or part D plan. What is an SOA? Is this normal? Are call centers exempt from this practice?
Answer: A Scope of Appointment (SOA) form is required by Medicare to document a beneficiary’s permission for an agent to discuss specific types of Medicare-related products and pricing during a meeting. This helps ensure transparency and protects consumers from being targeted. if you are signing up for Medicare, you will be the beneficiary.