Clear Answers for Your Medicare Decisions

Medicare and health insurance guidance for seniors in Dunmore, Pennsylvania.

If you live in Dunmore and you are approaching Medicare eligibility, you may have noticed that the timelines, plan types, and enrollment windows are not easy to figure out on your own. Mary Massino Insurance Broker walks you through each step so you understand what you are choosing and why it matters for your health and your budget.

Mary has been working in the insurance industry since 2015 and specializes in helping seniors compare Original Medicare, Medicare Advantage, and supplemental options. She explains how each plan handles prescriptions, doctor visits, and out-of-pocket costs, so you can make decisions based on your actual needs rather than confusing jargon or sales pressure.

Schedule a one-on-one Medicare review appointment in Dunmore to discuss your coverage options in detail.

How the Medicare Review Process Works

Your Medicare review begins with a conversation about your current health situation, your doctors, and any prescriptions you take regularly. Mary meets with clients throughout Dunmore and surrounding communities, often in their homes, to make the process comfortable and pressure-free.

After the review, you will know which plan types cover your prescriptions, which ones allow you to keep your current doctors, and what your monthly premium and out-of-pocket costs will look like. You will also understand when you need to enroll and what happens if you miss a deadline.

Mary continues to support clients after enrollment by helping them understand plan changes, coverage updates, and next steps when their health needs shift. This ongoing guidance means you are not left on your own once the paperwork is filed.

Seniors who are new to Medicare often wonder how the different parts work together, what happens if they delay enrollment, and whether their current doctors will still be covered under a new plan.

You probably have a few questions before moving forward

Medicare Advantage bundles your coverage into one plan that includes hospital, medical, and often prescription drug coverage. A Medicare Supplement plan works alongside Original Medicare to help cover out-of-pocket costs like copays and deductibles.
What is the difference between Medicare Advantage and a Medicare Supplement plan?
When do I need to enroll in Medicare?
You typically enroll during a seven-month window that starts three months before the month you turn 65. Missing this window can result in penalties or gaps in coverage, so it helps to review your options early.
How do I know which plan covers my prescriptions?
Mary reviews your current medications and checks which plans in Dunmore include them in their formularies. She also explains tier levels and how much you can expect to pay at the pharmacy each month.
What happens if my health needs change after I enroll?
You can switch plans during the Annual Enrollment Period each fall. Mary helps you review your coverage each year to make sure it still fits your current doctors, medications, and budget.
Why would I need a consultation if I can enroll online?
Online enrollment does not explain what you are selecting or how different plan features affect your out-of-pocket costs. A consultation gives you the context you need to choose coverage that actually works for your situation.

Mary Massino Insurance Broker offers personalized Medicare consultations throughout Dunmore, helping seniors make informed decisions without the confusion or pressure that often comes with enrollment. Reach out to schedule a meeting and get the clarity you need before your coverage begins.