Patricia Lewis, Medicare Insurance Broker

About Me

I love to help individuals confidently navigate their Medicare options—making the complex simple, at no cost to you.

Choosing the right Medicare plan can be overwhelming. With so many choices and constant changes, it’s easy to feel lost. As an independent Medicare broker, I work with a wide range of carriers—not just one—so you get honest, personalized guidance tailored to your needs.

Over the years, I’ve helped hundreds of clients find the right Medicare coverage that fits their health needs, lifestyle, and budget. Whether you're new to Medicare, reviewing your plan during open enrollment, or helping a loved one through the transition, I’m here to guide you every step of the way.

Here’s how I support you:

I take the time to understand your individual situation.

I gather key details and present clear, customized Medicare plan options.

I walk you through each plan—explaining coverage, costs, and common “what-ifs.”

I will help you complete the application and guide you through enrollment.

I will follow up with you on ID cards, provider networks, and any questions that come up.

I stay in touch year-round, so you always have support when plans or life circumstances change.

My goal is to make Medicare feel manageable—not stressful—and to ensure you feel confident and cared for in your decision.

Get in touch with Patricia using this form

Q&A with Patricia Lewis

What do you like most about being a Medicare agent?

Answer: I love being able to explain Medicare in a way that people understand. Since there is so much to go over, I go step by step and try not to overwhelm, and help people narrow down options that work for them. I help answer the questions they don't even know to ask. It's so rewarding to educate and guide and be a trusted person for them.

I'm caring for my dad who has Alzheimer's with lots of medications and I keep getting bills I don't understand. Any tips for not drowning in paperwork?

Answer: Staying organized is key when you get bills from various providers/pharmacies. It might be good to have a separate folder for each provider, or maybe each type of provider. Don't let it sit. If you don't understand a bill, there are many places you can call for help: your broker, the insurance carrier, Medicare, or the provider billing department. Sometimes you can get bills that have not been processed correctly, so important to make sure you are being billed properly. It can be overwhelming, but you can also get through it.

How can I lower my Medicare Part B premium if my income drops after retirement?

Answer: If you have been subjected to the IRMAA charge and your financial situation changes, you can appeal that IRMAA charge and hopefully get it reduced or removed. Since they look back 2 years, a lot could have changed, and you have to let them know.

The only other way I know to lower your Part B premium is to pick a Medicare Advantage plan that offers a giveback.

My Medicare Advantage plan listed my doctor, but now they say he's out of network. How is that even allowed?

Answer: Unfortunately, yes. It can happen that even with all the due diligence of checking and double checking that your doctor is in-network for your plan, the providers don't have to stay, they can make changes any time of the year. They would normally send a letter to let you know. In my area just recently, there is a whole physician's group with hundreds of doctors who have fallen out of network in the middle of the year. And unfortunately, this doesn't create a special enrollment period to make a plan change, so you have to decide whether you will see your doctor and pay cash or find a new doctor and switch plans in the fall so you can go back the following year.

Who can help me figure out this Medicare "maze and alphabet soup" it's so confusing.

Answer: The best person is a local independent broker. This is someone who knows your area, the best plans, the details of the local area and they can sit down with you and show you all the parts of Medicare and answer your questions. Independent means they are not captive to a particular company and can show you plans for many companies in your area. We are unbiased and are there to be helpful.

What are the most overhyped benefits of Medicare Advantage plans that seniors should be wary of?

Answer: The value-added benefits in an Advantage plan can certainly be helpful, especially for things you might pay extra for like dental and vision. But the things to be wary of would be things like the over-the-counter benefit, or gym membership, or transportation, again these are helpful, but you must remember this is your health plan first, so the focus needs to be there.