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Senior Benefits Boston - Medicare Advisors

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Haverhill, MA
Senior Benefits Boston - Medicare Advisors

We help clients figure out THEIR best Medicare options for their unique circumstances. Medicare questions? Reach out, happy to help!

Always try to balance the goals of maximizing coverage while reducing out-of-pocket costs. Covid-19 remote meetings available! We can meet via Zoom, phone (other platforms) or even outside to keep everyone safe and healthy while making sure you get the Medicare help you need to make sure you are set for 2022!

11/03/2026

Medicare Missive...from the Pond

Friday I spoke to a retired CPA who thanked me multiple times for doing what I do.

His Medicare Drug Plan is canceling.

His previous Medicare advisor refused to help him this year because he's not getting paid and he's too busy.

A genuine mess created by CMS allow Carriers to keep commissions.

What are your thoughts on this? Long-time client calls for help, Broker refuses to assist because too busy and not getting paid.

Gentleman is now my client.

[email protected]
617-721-1250
www.sbboston.org

10/29/2026

Medicare Missive...from the Pond

Drug Plans (Part D) need to be checked every year.

This year, due to changes in structure and the exiting of carriers means there is a high likelihood that you may need a new plan come January.

It is is also critical to input your medications accurately.

A small mistake can make a big difference!

[email protected]
www.sbboston.org

10/23/2026

Medicare Missive...from the Pond

Advantage Plan caps!

Why the High Deductible Plan G (HDG) makes so much sense but no one takes it!

[email protected]
www.sbboston.org

10/23/2026

Medicare Missive...from the Sunporch

Couple in Maine losing their UHC Advantage Plan.

Few good choices remain in their county but a Plan G is a stretch financially.

I suggested a High-deductible Plan G (HDG) with a $3k deductible.

They balked at that!

But we did some quck math...
1. The ONLY Advantage Plan available to them is $50/mo and has a $10k maximum out-of-pocket!
Total Exposure:
$600+$10000= $10,600!

2. Plan G is around $250/mo and has a $300 maximum out-of-pocket.
Total Exposure:
$3000+ $300=$3300.

3. The High Deductible Plan G is $50/mo amd has a $3000 deductible.
Total Exposure:
$600+$3000=$3600.

They balked at the $3k deductible as most do!

However, it is ONLY $300, WORSE case, then the standard deductible Plan G.

How, $3k of the Plan G is fixed. You pay it wether you get sick or not.

$3k of the High Deductible Plan G is VARIABLE. You will ONLY pay if IF you use the plan!

You may use $1k or $2k of it and SAVE money.

So thw question isnt about the deductible it is about saving money with upside protection.

[email protected]
www.sbboston.org

10/22/2026

Medicare Missive...from the Pond

Limited Advantage Plan options and 2 of 3 don't have in-network Providers.

Does a policy that pays a 1 year Home Healthcare benefit attractive?

You really want to stay home anyway!

What if they paid you to have the plan through Medication & Annual Physical benefits that cam exceed the plan's premium!?

You can actually MAKE $$$ on the plan AND still have coverage for Home Healthcare!

It is a no-brainer. Reach out for details.

[email protected]
www.sbboston.org

10/19/2026

Medicare Missive...from the Pond

Don't be fooled by the avg increase in Drug Plan premiums.

If you're getting Medicare aasistance from someone NOT paid by you, with your best interests in mind...

Find out Who is paying them because it is THEIR best interests NOT YOURS taking priority!

10/15/2026

Medicare Missive...from the Pond

Is your piece of mind worth $250 (my review fee).

NOT to change a plan that is still a good fit but to be sure that it is or to change if necessary!

Today is the 1st day of Medicare Open Enrollment.

If you know what plan you want enroll don't wait!

If you need help get it sooner rather than later.

The Shine/Ship counselors, Brokers and Advisors are filling their calendars quickly!

Don't assume that a plan that is renewing is doing so without changes you won't like.

As my colleague Andy says..."review before you renew"

2 pieces of advice...
1. Get help!
2. Know how the person advising you is compensated! A commissioned Broker works for the Carrier not you!

[email protected]
www.sbboston.org

Address

350 Main Street #5
Haverhill, MA
01830

Opening Hours

Monday	8am - 6pm
Tuesday	8am - 6pm
Wednesday	8am - 6pm
Thursday	8am - 6pm
Friday	8am - 6pm
Saturday	8am - 12pm

Website

http://www.sbboston.org/

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