Frequently Asked Questions

Medicare is federal health insurance for people 65 and older, while Medicaid is a state and federal program based on income and need. Many seniors with limited income may qualify for both, which can help cover costs Medicare doesn't fully address. At Mary Massino Insurance Broker, we help Dunmore-area seniors understand how these programs work together.

You can enroll during the Initial Enrollment Period, which begins three months before your 65th birthday month and extends three months after. Missing this window may result in late penalties or gaps in coverage. At Mary Massino Insurance Broker, we walk seniors through enrollment timelines to ensure you're covered on time.

Original Medicare typically does not cover routine dental, vision, or hearing care. Seniors often need separate insurance or a Medicare Advantage plan that includes these benefits. At Mary Massino Insurance Broker, we help clients in Northeastern Pennsylvania compare supplemental coverage options that fit their health needs.

Cancer insurance is supplemental coverage that helps pay for costs Medicare may not fully cover, such as travel, lodging, or out-of-pocket treatment expenses. It provides a lump sum or ongoing benefits depending on the policy. At Mary Massino Insurance Broker, we explain real-world use cases so seniors can decide if it's right for them.

Many seniors choose between term life insurance for temporary coverage and whole life for lifelong protection with cash value. The best option depends on your financial goals, family needs, and budget. At Mary Massino Insurance Broker, we explain both in simple terms and help you choose coverage that aligns with your long-term plans.

Yes, if you meet income and asset requirements, you may qualify for both Medicare and Medicaid, often called "dual eligibility." This combination can significantly reduce out-of-pocket healthcare costs. At Mary Massino Insurance Broker, we guide Dunmore seniors through the Medicaid application process and explain how it complements Medicare.

If you miss your Initial Enrollment Period, you may face late penalties and delayed coverage until the next General Enrollment Period. Special Enrollment Periods may apply in certain situations, such as losing employer coverage. At Mary Massino Insurance Broker, we help clients understand their options and avoid gaps in protection.

Medicare covers home health services if you're homebound and under a doctor's care, including skilled nursing, therapy, and some aide services. Medicaid may also help if you meet eligibility requirements. At Mary Massino Insurance Broker, we help seniors and families in Northeastern Pennsylvania understand what's covered and how to access home care benefits.

Heart attack insurance provides a lump sum or ongoing benefits to help cover costs like deductibles, travel, or lost income after a cardiac event. It works alongside Medicare and can offer financial relief during recovery. At Mary Massino Insurance Broker, we explain how this supplemental coverage fits into your overall health plan.

Many seniors choose a plan based solely on price without considering their specific healthcare needs, prescriptions, or preferred doctors. This can lead to surprise costs or limited access to care. At Mary Massino Insurance Broker, we take time to review your situation so you select coverage that truly fits.

Yes, Mary Massino offers in-home appointments throughout Dunmore and surrounding Northeastern Pennsylvania communities. Meeting at home allows for comfortable, pressure-free conversations where you can ask questions and review options at your own pace. At Mary Massino Insurance Broker, we bring the guidance to you.

Medicare doesn't cover everything, including most dental, vision, hearing care, and certain out-of-pocket costs like deductibles or copays. Supplemental insurance helps fill these gaps and provides financial protection. At Mary Massino Insurance Broker, we help seniors in Pennsylvania understand which supplemental plans make sense for their health and budget.