Holly Lewis, Medicare Insurance Agent
Holly Lewis
ACBS Insurance Services
Medicare Agent Licensed in NY
Contact Details
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Location
Saratoga Springs, NY
Holly Can Help With:
About Me
With 13 years of experience in the health insurance industry, I’ve had the privilege of helping people find coverage that gives them peace of mind, from commercial and group health plans to now specializing in Medicare. I have a true passion for serving the senior community, and I understand how important it is to have someone patient, compassionate, and willing to take the time to explain options clearly. My goal is to make the Medicare process feel less overwhelming and help each person find coverage that truly fits their needs and lifestyle.
Directions to My Office
Q&A with Holly Lewis
What is the donut hole, and does it still exist?
Answer: The donut hole is just a term people use for a stage in Medicare drug coverage when your prescription costs can change. It still gets talked about, but it’s not as bad as it used to be. What really matters is that your drug costs can shift during the year depending on your plan and the medicines you take.
I have Medicare through Mutual of Omaha but I have no Medicare cards. How do I get my part A and B cards.
Answer: If you need your red, white, and blue (paper) Medicare card for Part A and Part B, that actually comes from Medicare/Social Security — not from Mutual of Omaha. Mutual of Omaha may be your supplement or other plan, but your Original Medicare card is issued separately. The easiest way to get a replacement is to log into your Social Security account online and request one, or call Social Security and ask them to mail you a new card.
What are the reasons why I should work with a Medicare agent?
Answer: Honestly, a good Medicare agent can save you a lot of time and confusion. Medicare has a lot of moving parts - A, B, C, D, supplements, enrollment periods, penalties - and it can be overwhelming trying to sort through it on your own. A good agent can help explain your options in plain English, compare plans based on your doctors, prescriptions, and budget, and help you avoid costly mistakes. They can also be really helpful later on if your medications change or your plan stops being the best fit. The main thing is finding someone who actually takes the time to educate you instead of just trying to sell you something
I've heard that once you're on Medicare, you might not need life insurance as much. Is that true?
Answer: That’s a great question, and there isn’t a one-size-fits-all answer. Medicare can help reduce your exposure to medical bills, but it doesn’t replace the purpose of life insurance. Life insurance is designed to provide financial support to your beneficiaries for things like final expenses, unpaid debts, income replacement, estate planning goals, or leaving a financial legacy. For many people, the need for life insurance changes in retirement, but it doesn’t automatically disappear once Medicare begins. The right answer depends on your overall financial picture, your obligations, and whether you want to provide financial protection for a spouse or other loved ones.