Erum Fatima, Medicare Insurance Broker
Erum Fatima
Medicare Broker Licensed in CT
Contact Details
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Location
Manchester, CT
Erum Can Help With:
- Medicare Advantage
- Medicare Supplement
- Prescription Drug
- Dental Plans
- Vision Plans
- Hearing Plans
- Individual / Family Plans
- Group Benefits
- Life Insurance
- Final Expense Insurance
- Critical Illness
- Long Term Care Insurance
- Short Term Care Insurance
- Disability Insurance
- Hospital Indemnity Insurance
- Annuities
About Me
Hi! I'm Erum, your local Medicare insurance broker. I specialize in helping you navigate Medicare plan options, including Medicare Advantage Plans, Supplements, and Part D Prescription Drug Plans.
Choosing the right plan can be challenging, but I'm here to simplify the process. I’ll help you identify your needs and find a plan that fits your budget from reliable national and local companies.
Best of all, my services are completely free. Contact me today for a no-cost consultation, and be sure to mention that you found me on Medicare Agents Hub!
Q&A with Erum Fatima
I don’t pay the $202 Medicare premium because of my SSDI income. Will I have to pay it when I turn 65?
Answer: Yes, you may have to pay the Medicare Part B premium when you turn 65, but it depends on why you currently pay $0.
In 2026, the standard Part B premium is $202.90/month.
If your Part B premium is currently being paid through a Medicare Savings Program or another state assistance program, that assistance may continue after 65 if you still qualify based on your income and resources. Your SSDI status itself does not automatically make Part B free. Part B normally has a premium.
Importantly, when someone receiving SSDI reaches 65, they generally don't face a Part B late-enrollment penalty simply because they were on SSDI. So the key question is: Who is currently paying your $202.90 Part B premium? If you tell me whether it's Medicaid, a Medicare Savings Program, or something else, I can explain what is likely to happen at 65.
What are the reasons why I should work with a Medicare agent?
Answer: An agent can explain Original Medicare, Medicare Advantage, Part D prescription plans, and Medicare Supplement (Medigap) plans, as well as how these components fit together.
Keep in mind that not every Medicare agent represents all the plans available in your area. It's important to ask whether the agent is independent and which insurance companies they represent. You'll want to work with someone who presents you with meaningful alternatives rather than simply directing you toward one company's products.
If you're interested, I can also clarify the difference between using a Medicare agent and a Medicare broker. An independent broker can provide a broader perspective on the Medicare marketplace, while a captive agent may be limited to the insurance company or companies they represent.