Lindsey Douglas, Medicare Insurance Broker

Answer: It depends. In some states, Medicaid offers programs that allow eligible family members, including adult children, to be paid for providing care to a family member. Eligibility depends on your parent's Medicaid status, level of care needed, and your state's program rules. Medicare does not pay family members to provide caregiving services without also having Medicaid.

Answer: Yes, depending on your income and assets, you may qualify for programs that help pay Medicare costs. These include Medicare Savings Programs (MSPs), which can help pay your Part B premium and, in some cases, deductibles, coinsurance, and copayments. You may also qualify for Extra Help (Low-Income Subsidy), which helps lower the cost of Medicare Part D prescription drug coverage. If you qualify for Medicaid, you may also be eligible for a Dual Eligible Special Needs Plan (D-SNP) that provides additional benefits.

Answer: No, the "donut hole," also known as the Medicare Part D coverage gap, no longer exists for beneficiaries. Starting in 2025, Medicare Part D plans include a yearly cap on out-of-pocket prescription drug costs of $2,100.

Answer: Yes, many Medicare plans offer customer service, enrollment materials, and member resources in Spanish and other languages. As your broker, I can also help you understand your Medicare options and connect you with language assistance services if needed.

Answer: Yes, there are Medicare plans designed to provide additional support for people with certain chronic health conditions. These are called Chronic Condition Special Needs Plans (C-SNPs). If you have a qualifying condition—such as diabetes, chronic heart disease, or other eligible chronic illnesses—you may be able to enroll in a plan that offers benefits and care coordination.

Keep in mind that having a family history of a condition alone does not qualify you. You must have a diagnosis of an eligible chronic condition to enroll in a C-SNP.

If you have been diagnosed with a chronic condition, I'd be happy to review your options and see if you qualify for a plan that could better meet your healthcare needs.

Answer: This is called a Part B Premium Reduction (or "Giveback" benefit). It's available only with certain Medicare Advantage plans in specific areas, and eligibility varies by plan.

Not everyone qualifies, but if you're curious whether this benefit is available where you live, I'd be happy to review your options.

Answer: Protecting your personal information is one of my highest priorities! I only collect the information that's necessary to help you compare plans, determine eligibility, and complete your enrollment. Your information is kept confidential and handled in accordance with federal privacy regulations. I will never sell your personal information or share it with anyone who is not directly involved in helping you enroll in the coverage you choose. My goal is to provide honest, professional service while keeping your information secure.

Answer: Not necessarily, every Medicare Part D and Medicare Advantage prescription drug plan has its own formulary (list of covered medications). Even if a plan covers your medication, your cost may vary depending on the plan's formulary, pharmacy network, and drug tier.

Answer: HSA funds cannot be to pay Medicare Supplement (Medigap) premiums. However, if you are age 65 or older, you can use HSA funds tax-free to pay eligible Medicare premiums, including Medicare Part A (if you pay one), Part B, Part D, and Medicare Advantage (Part C) premiums. Medigap premiums are specifically excluded by IRS rules.

Answer: Yes, however not everyone is getting a new Medicare card in 2026.

CMS is not replacing all Medicare cards. Only Medicare beneficiaries that had their existing Medicare numbers compromised in fraud or security incidents.

Answer: The biggest reason is that you don't have to figure it all out alone.

Medicare can be confusing. There are different enrollment periods, plan types, provider networks, prescription drug coverage, and costs to consider. My job is to collect your information, research everything and help you understand your options so you can make a confident decision.

As an independent Medicare broker, I work with multiple insurance companies—not just one. That means I can compare plans from different carriers to help find the coverage that best fits your doctors, prescriptions, budget, and healthcare needs.

My services are completely free to you. You pay the same premium whether you enroll on your own or work with me, so you get personalized guidance and ongoing support at no additional cost.

And my help doesn't end after you enroll. I'm here year-round to answer questions, help resolve issues, review your coverage each year, and make sure your plan continues to meet your needs as your situation changes.

My mission has always been simple: helping you find the right coverage with honesty, compassion, and real support. I want you to feel informed, confident, and know that you have someone in your corner—not just during enrollment, but long after.

Answer: All Insurance companies and policies have pro's and con's. What might look like a great policy could not have the coverage you are looking for. It is important to review as many available options as possible before making a decision. A local independent agent can give you an advantage and review several different policies specific to your healthcare needs. This service is complementary and there is no-obligation to sign up for any of the plans discussed.