Vincent Murray, Medicare Insurance Agent
Vincent Murray
Maine Medicare Choices
Medicare Agent Licensed in ME, FL and NH
10+ Years of Experience
Contact Details
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Hampden, ME
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Phone
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Vincent Can Help With:
About Me
Hello fellow Mainer, I'm VINCENT, a Licensed Medicare insurance agent for over 9 years, dedicated to serving central and northern Maine. There are a lot of changes in the plans for 2025. You have 6 plans to choose from and as an independent agency I can help with any of these plans. Medicare is my area of expertise, and I'm committed to helping you pinpoint the most suitable plan for your individual needs and budget. I'll handle the research and comparison of plans from top national and local companies, so you can relax. Plus, my assistance comes at absolutely no cost to you. Reach out to me today to discuss your Medicare insurance possibilities, and remember to mention you found me through Medicare Agents Hub!
My Google Reviews
13 Total Reviews (5.0 )
August 22, 2025
August 7, 2025
August 5, 2025
I received clear descriptions on options available to best fit my needs. It would have been a very difficult process without the support and help that I received.
July 17, 2025
June 30, 2025
Articles by Vincent Murray
Q&A with Vincent Murray
How do you educate clients who are completely new to Medicare?
Answer: We offer online training as well as in person education. Our next class is on October 15 at Dysart's on Broadway or November 13th at Moore center in Ellsworth.
It's as simple as A B C D
Free consultation over the phone, in person or over zoom.
We can make the whole process easy.
I went with Medigap because I travel a lot, but now I'm paying a fortune in premiums. Did I make a mistake?
Answer: GREAT QUESTION.
I wouldn't say a mistake it's a choice for sure.
A national medicare ppo plan would give you the same flexibility.
All medicare Advantage plans have a maximum to protect your costs and with a ppo you can see in or out of network providers. With a national plan most doctors would be in network.
If medicare advantage plan, the two biggest costs are chemotherapy drugs, and in patient hospital stays. Both can be covered for a small dollars and still save you 200 per month. Happy to give you specifics over the phone. In person or over zoom.
What's one Medicare decision that too many people regret later?
Answer: Taking advice from facebook or from people who aren't licensed Medicare agents can be very harmful. Having just Medicare A and B leaves you unprotected for major procedures. Part A has a $1639 deductible then your 20% kicks in and Part B has a $257 deductible. Also there is no Maximum on just original Medicare. 20% of $200,000 is $40.000. Choosing a Medicare supplement is where your pay up front for coverage and besides a $257 deductible you would have no bills. All Medicare advantage plans have a Maximum out of pocket limit. Meaning after you hit that maximum, your co pay would be Zero for the rest of that year.
My doctor mentioned something about Medicare not covering my procedure. How do I find out for sure before I get stuck with a bill?
Answer: Is this procedure Medically necessary? If so your doctor should do a prior Authorization or an appeal to try to get it covered. We have a summary of benefits and an evidence of coverage document we can research or call customer service for you to get to the best answer for you before the procedure is done. Once we help someone with a plan, it is our job to assist you throughout the year as these issues arise.
If I move to a rural area, how might that limit my Medicare Advantage plan options?
Answer: Wow that is a great question and for the first 9 years of helping people in Northern and usually rural areas, it wasn't an issue. There are 6 Medicare advantage plans, and in 2025 on of those companies isn't accepted by the largest hospitals in Northern Maine. For 2026 we have another of those companies who will not be renewing their contract with Northern Light. That leaves 4 companies to choose from for the most part. We look up your doctors and your medications to ensure that they will be in network. Finding a plan that is Nationwide , should the situation arise where you need Medical help in another state, is an option worth making sure is available.
What do you like most about being a Medicare agent?
Answer: I have been a Medicare agent, here in Maine since 2015. I love meeting seniors and helping to make their Medicare decisions easier. Most plans are Zero dollars do I get paid to help people make the best decision for them.
From St. Agatha to Waterville and from Macias to Moosehead lake Northern Maine meeting new people has been very rewarding. Over the first 9 years benefits on all plans were improving we it was exciting to get you more benefits for less money. In 2025 and I believe even more so in 2026 benefits will be tightening, so it is more important than ever to find a local agent who enjoys answering you questions year around and helping you find the best plan for your individual wants and needs.
I picked a Medicare Advantage plan last year, and I'm not sure if my hearing aids are covered. How do I figure this out?
Answer: Most plans include some coverage, how much the cover depends on your type of plan and the insurance company.
If it is a dsnp plan you will have a greater allowance.
We can compare your plan against other plans to help you know. Give us a call anytime, we are happy to help.
Thanks, Vince