Karen Budd, Medicare Insurance Broker
Karen Budd
KMB Insurance Advisors
Medicare Broker Licensed in ME and MA
Contact Details
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Location
Brunswick, ME
About Me
I’m an independent, Maine-based licensed health insurance broker, specializing in Medicare. I help individuals navigate the often confusing world of Medicare by breaking it down into simple, clear information so they can choose and enroll in a plan with confidence. My goal is to match each client with the Medicare plan that best fits their unique needs, health status, and budget. I’m committed to building long-term relationships by offering ongoing support and personalized guidance. I am licensed in Maine and Massachusetts.
Q&A with Karen Budd
Does Medicare Advantage cover home health care?
Answer: Yes, Medicare Advantage must cover the same home care services that are provided under Original Medicare and sometimes they provide additional services. Benefits vary by plan.
What is an HMO-POS Medicare Advantage plan, and how is it different from an HMO or PPO?
Answer: HMO, PPO and HMO-POS are all network options. An HMO is the most restrictive, you must stay in-network, and a PCP referral is required. It is also has lower premiums and copays. A PPO is the most flexible, you can see providers in our out of network (with a higher copay). An HMO-POS lies in the middle. It has a network structure like and HMO but you can see some providers out of network.
Do my Medicare hospital days reset every year?
Answer: No. Medicare hospital days are based on a Benefit Period, not the calendar year. A benefit period starts the day you are admitted and ends when you've been out of the hospital (or SNF) for 60 consecutive days. Once you’ve gone 60 days without inpatient care, a new benefit period begins where you receive a new set of hospital days and a new deductible applies.
What are the reasons why I should work with a Medicare agent?
Answer: As an Independent broker, I am committed to helping you understand and navigate all your Medicare options. Working with me, you will receive personalized recommendations and guidance based on your individual needs and situation. I build long-term relationships, I want to be your trusted resource, not just for one decision but for the years ahead.