Donna Berube, Medicare Insurance Agent

Answer: When you work with a broker, we can enter all of your medications into our quoting platform and this will show us which prescription drug plan is best for you to minimize your out of pocket expenses. You can also go to Medicare.gov to enter your medication information if you would like to see the prescription drug plans yourself. There are some website you can use also to save you money on prescription drugs, goodRX, costplus, trumprx to name a few. I hope this information was helpful.

Answer: You can apply for Medicaid if you live in NH. If not the state you live in should have a state program to help seniors that are low income. Ask if you qualify for a food benefit as well as medical. This can also help you with paying the part B each month.

I recommend that you call Social Security to get extra help with paying for your medications. You can also apply by calling 1-800-772-1213 or visiting a local Social Security.

I hope this information was helpful.

Answer: Yes, you can be denied a Medicare Supplement plan. In NH, you have a guaranteed issue right, which means when you start Medicare, you have 1 year to get a Supplemental- Medigap plan without underwriting. After the 1-year time period, you will be subject to full underwriting, and based on the health information, they can deny you. If you would like to speak with me in more detail, you're welcome to contact me.

Answer: If you have a Medicare Advantage (Part C) plan, you’re still eligible for hospice.

Once you elect hospice care, coverage shifts to Original Medicare (Part A) even if you stay enrolled in your Advantage plan.

This is often called the “hospice carve-out.”

Answer: you may be subject to underwriting depending on where you live. Usually when you start the Supplemental plan you don't change that. You're welcome to call me with more questions.

Answer: Yes i think you should have gone with a Medicare Advantage Plan. If you are new to Medicare you may still be within your 7 month window to start a Medicare Advantage plan.

if not, The Medicare Annual Enrollment Period (AEP), also known as the Annual Election Period or Fall Open Enrollment, runs from October 15 to December 7 annually. You can select a plan during this time to start for January 1st.

Answer: If you're careful with your Medicare number and protect that like you do your social security card then you should have nothing to worry about. NEVER give your Medicare number over the phone to someone that calls you.

Answer: It depends what you have for coverage, do you have a Medicare Advantage plan, if so who is the carrier and what is the plan. or if you have a Medigap, what is the plan and carrier your with

Answer: The Medicare Annual Enrollment Period (AEP), also known as the Annual Election Period or Fall Open Enrollment, runs from October 15 to December 7 annually

The Medicare Advantage Open Enrollment Period (MA OEP) runs from January 1 to March 31 annually

Answer: Cancer treatment is often not talked about. If someone has a Medicare Advantage plan they could be subject to 20% coinsure for chemo & radiation, there are CancerWise plans available that pay YOU upon diagnosis & clients can use that money to pay any out of pocket expenses, including if the medication is not in the carrier formulary. You're welcome to contact me and I can offer you more information

Answer: If your parents a working and offered a group plan with 20 or more employees then you do not need to sign up for Medicare. When they are ready to apply if it's after the IEP 7 month window, then they can use the employer verification for and apply for delayed part B. I'm happy to review this information with you in greater detail.

Answer: I haven't heard of anyone regretting a Medicare Advantage plan, with original Medicare you are always subject to 20% whereas with a Medicare Advantage plan that often is not the case. You're welcome to call me with any other questions.

Answer: Part A is free so no need to disenroll in that, part B is what you pay for each month, the lowest is $202.90, you could possibly disenroll in Part B if everything has been recent. You're welcome to call me with any other questions.

Answer: It's best to reach out to me, if you would like to share your medication list and names of your Doctors I can find a Medicare Advantage plan for you based on your needs. Often times the premium of a Medicare advantage plans are $0 or low based on where you live, a Medicare Advantage plan often comes with dental, vision & hearing whereas a Medicare supplement only is medical. I would be happy to speak with you can help you see if a Medicare Advantage plan would be a good option.

Answer: If you decide to go with a Medicare Advantage plan I recommend the PPO plan so you can be in & out of network. If you decide to go with a Medigap, then you can go anywhere in USA as long as they accept Medicare. `

Answer: You can apply for Medicaid to see if you qualify for some assistance; they can help with what you're paying for Part B, and lower your prescriptions as well. Contact me or talk to someone in New Hampshire Medicaid Client Services.

Best of luck to you. Please let me know if I can be of further assistance.

Thank you

Answer: Annual Enrollment Period starts October 15th and continues until December 7th. Enrolling during this time for a January 2026 start date. When you enroll in a new Medicare Advantage plan the previous one will automatically end December 31st 2025.

Answer: The reason that most people enroll in a Medicare Advantage plan or a Medigap with an added prescription drug plan is because of the gap in coverage. if someone ends up in the hospital the client is responsible for $1,676 deductible per benefit period, Medicare will pay for the first 60 days of each benefit period, and from days 61-90 the client will pay $419.00 per day. There is a lot of exposure on original Medicare, which is why people will add a Medicare Advantage plan with low or $0 premiums or a Medigap with an added prescription drug plan.

Answer: Unfortunately you can't see a cardiologist out of network because it's an HMO and not a PPO. With an HMO you are tied to that carriers network only, unless you have a true medical emergency. With a PPO that type of plan will allow you to go out of network, with a higher copayment.

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.

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.

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.

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.

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.

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!

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.