Mellen Benefit Solutions LLC

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Mellen Benefit Solutions LLC Specializing in Medicare Advantage, Medicare Supplement, and Prescription Drug Plans

To explore Medicare plans in your area, visit: https://medicareful.com/JenniferMellen

To explore dental options with Dental Dental, visit: https://www.deltadentalcoversme.com/s/?agency=1796915615

To explore vision options with VSP, visit:
https://www.individualbrokervision.com/Enroll/MbrEnroll.aspx?AgtCode=VSP23535

To explore dental and vision plan options with Humana, visit https://www.humana.com/AOADV/1823807

10/14/2026

📣 Come see me at the Senior Health Fair & Expo!

📍 Carteret Performing Arts Center
📅 Wednesday, October 14
⏰ 10 AM – 12 PM
🎉 50 vendors on site!

Stop by Table 33 to schedule your NO-COST Medicare plan analysis with Mellen Benefit Solutions LLC!

📢 Medicare Annual Enrollment begins TOMORROW, October 15, and there are lots of changes coming to Medicare Advantage plans for 2027. Make sure you understand your options before making a decision!

🧩 Don’t navigate the Medicare maze alone! Stop by, say hello, and let’s talk about your Medicare options.

📞 Jennifer Mellen | 609-596-3930

10/13/2026

Specializing in Medicare Advantage, Medicare Supplement and Ancillary Products
(609) 596-3930
[email protected]

10/12/2026

📢 2027 Social Security COLA Update!

The inflation data used to help determine next year’s Social Security cost-of-living adjustment (COLA) is scheduled for release Wednesday, October 14, 2026, at 8:30 a.m. Eastern.

How much will Social Security benefits increase in 2027? Stay tuned for the official announcement!

Follow Mellen Benefit Solutions LLC for updates that may impact your Medicare and retirement planning. 💚

Enjoyed catching up with an old friend and making new connections at a local wellness and medical resource event today! ...
10/11/2026

Enjoyed catching up with an old friend and making new connections at a local wellness and medical resource event today! 💜 There’s nothing more rewarding than serving our community and helping people better understand their Medicare options. Always a blessing to be a resource for others!

10/10/2026

Medicare questions answered

10/09/2026



Need help with Medicare? Jennifer from Mellen Benefit Solutions offers personalized, local guidance for New Jersey residents. Call 609-596-3930 to prepare for your 2027 enrollment.

❓FAQ FRIDAY❓Why are my Medicare Advantage copays going up?Have you noticed that your Medicare Advantage (MAPD) plan copa...
10/09/2026

❓FAQ FRIDAY❓

Why are my Medicare Advantage copays going up?

Have you noticed that your Medicare Advantage (MAPD) plan copays are increasing for 2027? You’re not alone!

Some plans are increasing copays for doctor visits, specialist appointments, hospital stays, diagnostic testing, and other services. Even if your monthly premium stays at $0, that doesn’t mean your healthcare costs will stay the same!

💡 What should you do? Don’t automatically assume your current plan is still your best option. Review your 2027 benefits, compare other available plans, and consider how changes could affect your personal healthcare needs and budget.

Remember, the plan with the lowest premium isn’t always the plan with the lowest overall costs.

📅 Annual Enrollment Period runs October 15 – December 7.

Need help making sense of your options? Mellen Benefit Solutions LLC is here to help you compare plans and understand your choices.

New Jersey is my home, too! Let a local Medicare professional help you navigate your options.

📞 Call 609-596-3930 to schedule your appointment.


10/02/2026

❓ FAQ Friday ❓

Have you ever wondered what happens to a nursing home bill when a loved one passes away?

A senior recently asked me about someone she knows who passed away in a nursing home. After the person’s death, the nursing home was trying to collect charges that were still outstanding.

Her question was: “Can they make the family pay?”

The answer isn’t always as simple as yes or no.
Generally, a family member is not automatically personally responsible for a loved one’s nursing home bill simply because they are their spouse, child, or other relative.

However, a nursing home may have the right to seek payment from the resident’s estate, and there can be other circumstances depending on what was signed, who controlled the resident’s finances, and the specific situation.

There’s another important piece to understand: Medicare does not generally pay for long-term custodial nursing home care. Medicare may cover certain skilled nursing services when specific requirements are met, but that is different from ongoing long-term care.

So if you or a loved one receives a nursing home bill—or your family is contacted for payment—don’t automatically assume you personally owe the money. Ask questions and get professional advice about your specific situation.

And just to be clear, I’m a Medicare insurance professional, not an elder-law attorney. This post is intended to share general information and is not legal advice. If you’re dealing with a specific nursing home billing or estate issue, an elder-law attorney can help you understand your rights and responsibilities.

💡 The Medicare lesson? Understanding what Medicare does—and does NOT—cover is an important part of planning for healthcare costs as we age.

Have a Medicare question you've always wondered about? Send it my way! It might be next week’s FAQ Friday.

💡 WHY WEDNESDAY 💡Why try to navigate Medicare on your own when you don't have to?Every year, Medicare beneficiaries are ...
09/30/2026

💡 WHY WEDNESDAY 💡

Why try to navigate Medicare on your own when you don't have to?

Every year, Medicare beneficiaries are faced with new plan options, changing costs, updated formularies, different provider networks and benefit changes.

And during AEP, there is certainly no shortage of commercials, mailers and advertisements telling you that their plan is the one you need.

But here's the thing:
You don't have to figure it all out by yourself.

I've spent 22 years working in the health insurance industry, with the last several years focused specifically on Medicare.

My job isn't to sell you a plan just because it's available. It's to help you understand your options, compare the things that actually matter to you, and help you make an informed decision.

And there's something else that's important to me:
Working with me doesn't cost you anything.

As an independent Medicare agent, I can help you navigate your Medicare options without charging you a fee for my assistance.

So why spend hours trying to research every plan, decipher every benefit, compare every network and figure out what changed from last year on your own?

Let me help you make sense of Medicare.

📅 With 2027 plan information becoming available this week and AEP beginning October 15, now is the time to start reviewing your options.

If you're already happy with your plan, that's great. But it's still worth knowing what's changing before you decide to stay where you are.

📩 Have questions? Reach out. I'm here to help.

Mellen Benefit Solutions LLC�Helping you make sense of Medicare.

🎆 MEDICARE MYTH MONDAY 🎆 “My Medicare Advantage plan has a $0 monthly premium, so it doesn’t cost me anything.”This is o...
09/28/2026

🎆 MEDICARE MYTH MONDAY 🎆

“My Medicare Advantage plan has a $0 monthly premium, so it doesn’t cost me anything.”

This is one of the most common misconceptions I hear.

A $0 monthly premium means you don't pay an additional monthly premium to the insurance company for that Medicare Advantage plan.

It does NOT mean your healthcare is free.
Depending on the plan, you may still have:

• Copays for doctor visits�• Coinsurance for certain services�• Prescription drug costs�• Deductibles�• Costs for services that are not covered�• An annual maximum out-of-pocket amount for covered medical services

And here's something important to remember:

A plan's monthly premium is only one piece of the puzzle.

Two Medicare Advantage plans can both have a $0 premium but have very different costs, provider networks, prescription formularies, benefits and out-of-pocket limits.

That's why looking only at the premium can sometimes give you an incomplete picture.
As we head into AEP and the 2027 plan year, this is a good time to look beyond the monthly premium and consider how a plan actually fits your healthcare needs.

Don't choose a Medicare plan based on one number. Look at the whole picture.

📅 Medicare Annual Enrollment Period: October 15 – December 7

#$0premiummedicareplans


Address

Trenton, NJ
08650

Opening Hours

Monday 8am - 4pm
Tuesday 8am - 4pm
Wednesday 8am - 4pm
Thursday 8am - 4pm
Friday 8am - 4pm

Telephone

+16098517018

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