Marlene Dunlap-Martino, Medicare Insurance Broker
Marlene Dunlap-Martino
Medicare Broker Licensed in NY, FL, NC, PA and SC
Contact Details
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Serving
Holbrook, NY
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Phone
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Website
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Facebook
About Me
Marlene, based in Upstate New York, brings over 20 years of expertise to the insurance and financial services industry. As a licensed broker in New York, Pennsylvania, North Carolina, South Carolina and Florida, she specializes in Senior Healthcare Provider solutions, including supplemental and advantage plans. Marlene offers personalized guidance to help clients confidently navigate the complexities of their healthcare options.
A compassionate and trusted resource, Marlene is dedicated to bringing clarity and peace of mind to the individuals she serves.
Outside of her professional life, she values a healthy work-life balance, enjoying golfing, bike riding, and cherishing time with her family. Marlene’s deep compassion extends into her community, where she actively supports local organizations and events that enhance the well-being of seniors—making her a truly dedicated ally for anyone navigating the senior healthcare landscape.
Directions to My Office
My Google Reviews
29 Total Reviews (5.0 )
February 10, 2026
She is very good person. She helped me apply my Medicare application. It was quick she has good experience about medicare Thank you for your help.
February 8, 2026
Marlene was very thorough and really took the time to connect me with the right insurance plan. I've had the plan for almost two years now and am very happy!
January 31, 2026
Marlene 's guidance throughout our Medicare/secondary insurance was a necessity in navigating the enrollment process. Highly recommend her service.
December 30, 2025
December 30, 2025
Marlene is great at her job. Very knowledgeable and patient with questions. Does not push you but gives you the facts and lets you make the decision which I really appreciated. Would recommend her to anyone.
Q&A with Marlene Dunlap-Martino
I don’t pay the $202 Medicare premium because of my SSDI income. Will I have to pay it when I turn 65?
Answer: Your state-funded MSP or Medicaid assistance will remain active as long as you still meet the program's income and asset limits. Age 65 does not disqualify you.
What are the pros and cons of a Medicare Medical Savings Account?
Answer: The major pros of a Medicare Medical Savings Account are the tax-free cash deposit from Medicare, year-to-year rollover of unused funds, and freedom to see any doctor. However, the cons include a significant out-of-pocket spending gap before 100% coverage kicks in, plus the requirement to purchase a separate prescription drug plan.
What is a Medicare Medical Savings Account (MSA) plan?
Answer: A Medicare Medical Savings Account (MSA) is a high-deductible Medicare Advantage plan paired with a special savings account that Medicare funds with an annual tax-free deposit. You use that money to pay for medical care until you meet your deductible, after which the plan covers 100% of your Medicare-approved costs, while any unspent cash rolls over to the next year.
What are the reasons why I should work with a Medicare agent?
Answer: Working with me as your Medicare agent simplifies the entire process and costs you absolutely nothing out of pocket. I stay by your side year after year to help with billing questions, network changes, or annual plan reviews.