Marlene Dunlap-Martino - Licensed Agent

09/09/2026

“WAIT… YOU HAVE OPTIONS?”

🚨 MEDICARE RECIPIENTS: DON’T ASSUME YOUR CURRENT PLAN IS YOUR ONLY OPTION!

Did you know there can be different ways to receive your Medicare coverage?

Depending on your situation, you may have options such as:

✅ Original Medicare + a Medicare Supplement
✅ Medicare Advantage
✅ Prescription drug coverage options

And here’s the important part…

The plan that’s right for your neighbor may NOT be right for you.

Your doctors, prescriptions, budget, travel, and healthcare needs can all make a difference.

💬 Want to understand your Medicare options without the confusing jargon?

Click on this link below to be contacted or Call 607 245-9520

https://marlenedunlapmartino.com/contact/

📌 Follow along this week. I’m sharing 6 Medicare tips you don’t want to miss.

08/22/2026

💡 Medicare Advantage (Part C): What is it, and is it right for you?

If you are new to Medicare or thinking about switching plans, you have probably heard the term Medicare Advantage (also called Part C).

But what exactly is it, and how does it differ from Original Medicare?

Think of Medicare Advantage as an "all-in-one" alternative to Original Medicare.

Instead of getting your benefits directly from the federal government, you get them through an approved private insurance company.

By law, these plans must cover everything Original Medicare covers, but they usually package it differently and include extra perks.

Here is a quick breakdown of how Medicare Advantage works:

All-In-One Convenience:

Most plans combine Part A (Hospital)
Part B (Medical), and Part D (Prescription Drugs) into a single plan with one insurance card.

Low Monthly Premiums: Many Medicare Advantage plans offer $0 or very low monthly premiums (though you must continue to pay your Part B premium).

Financial Protection: Unlike Original Medicare, these plans have a Maximum Out-of-Pocket (MOOP) limit. Once you spend that amount in a year, the plan covers 100% of your medical costs.

Extra Perks: Plans often include benefits that Original Medicare doesn't cover, such as dental, vision, hearing, gym memberships, and over-the-counter allowances.

The Trade-Off: Networks Most Medicare Advantage plans use a network of providers, like an HMO or PPO. This means you will generally need to see doctors who are in the plan’s network to get the lowest costs.

Want to see if a Medicare Advantage plan makes sense for your specific health needs and budget?

Let’s take a look at your options together.

Call: 607 245-9520

https://marlenedunlapmartino.com

07/28/2026

Confused by the mountain of Medicare mail hitting your Binghamton mailbox lately? 🤯📬 You are not alone!


Every year, thousands of people in Broome County guess their way through Medicare enrollment. Unfortunately, guessing can lead to unexpected out-of-pocket medical bills, missing doctor networks, or lifelong penalty fees.

When you work with me as your local, independent broker, you get dedicated support at zero cost to you:

📍 Local Expert: I know the networks for Lourdes and UHS Wilson.

💰 100% Free to You: You never pay a dime for my guidance.

🛡️ Unbiased Choices: I don't work for one single insurance company. I compare plans side by side.

Get the right plan with zero stress.

📞 Call Marlene: (607) 245-9520
🌐 Visit: marlenedunlapmartino.com

07/27/2026

Smile brighter. Pay less. 😁 Call (607) 245-9520 today!

07/13/2026

07/04/2026

🇺🇸✨ Happy Fourth of July! ✨🇺🇸

Wishing everyone a safe, fun, and happy Independence Day! Whether you’re firing up the grill, relaxing by the pool, or waiting for the fireworks to light up the night sky, I hope your day is filled with good food, family, and great friends. 🌭🍔🎆
Have a wonderful and safe celebration!❤️🤍💙

05/13/2026

Do you have Medicaid and are you new to Medicare?

You may qualify for a Dual Eligible Special Needs Plan (D-SNP). That means you could get everything Original Medicare has, plus:

• The Humana Healthy Options Allowance® to help pay for eligible over-the-counter items like vitamins, pain relievers, first aid supplies, and more.*
• Prescription drug coverage with no cost for your covered prescriptions†
• $0 copays for covered dental services
• And more


Call me, a licensed sales agent, to learn more
(607) 245-9520
[email protected]
https://marlenedunlapmartino.com

* Allowance amounts cannot be combined with other benefit allowances. Limitations and restrictions may apply.
† Members who do not receive Extra Help are not eligible

04/25/2026

Happy 65th Birthday!

Ready to welcome Medicare with confidence? 🎂 As your local Senior Healthcare Provider, I’m here to help you navigate your choices and find the right plan for you. No stress, no cost, just clear local guidance. Call me today to get started!
📞 607-245-9520

https://marlenedunlapmartino.com

04/17/2026

Binghamton Neighbors: Are You Maximizing Your Dual Healthcare Coverage?

Navigating the world of healthcare can feel like solving a giant puzzle, especially when you are balancing both Medicare and Medicaid. If you have both, you might qualify for a Dual Special Needs Plan (D-SNP)—a type of Medicare Advantage plan designed specifically to coordinate your benefits.

Here is a quick breakdown of how these plans work and why they are worth looking into:

Why Consider a Dual Plan?
More Coverage, Less Cost: Most D-SNPs have $0 premiums, and they often cover the costs that original Medicare doesn't.

Extra Benefits: Many plans include "extras" like credits for over-the-counter health items, vision exams, dental care, and even transportation to doctor appointments.

Care Coordination: These plans are built to help your providers talk to each other, ensuring your care is seamless.

How to Qualify
To enroll in a D-SNP, you generally need to be enrolled in both Medicare Part A and Part B and be eligible for some level of assistance from your state's Medicaid program.

Ready to see what’s available in your area?
I’m here to help simplify the process. I work with 9 organizations and 41 plans to ensure you find the right fit for your specific needs.

Give me a call or stop by the office to chat!

Phone: 607-245-9520

Office: Upper Galleria, Holiday Inn (Right next to the Social Security office)

Website: https://marlenedunlapmartino.com



Disclaimer: I do not offer every plan available in your area. Any information I provide is limited to those plans I do offer in your area which are 9 organizations and 41 plans. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.