When should I sign up for Medicare?

You’re eligible to enroll starting three months before the month you turn 65, and you’ll have a total of seven months to get it done.

What’s the difference between Medicare Advantage and Medigap?

Medicare Advantage is an all-in-one plan from a private company. Medigap works with Original Medicare to cover out-of-pocket costs. We’ll help you compare both.

Do I need Part D drug coverage?

Most people do, even if they’re not taking prescriptions now. Skipping it could mean a penalty later — we’ll explain your options.

Can I change plans each year?

Yes! There’s an Annual Enrollment Period (October 15–December 7) to review and update your coverage.

How much does your Medicare help cost?

Our services are at no cost to you— no fees, no pressure. Just local, licensed support.

It’s Maine’s official health insurance marketplace for people who don’t have affordable coverage through a job or Medicare.

Who qualifies for Marketplace coverage?

Self-employed individuals, part-time workers, families, or people between jobs may qualify — especially if you don’t qualify for MaineCare or Medicare.

When can I enroll?

Open Enrollment is typically November 1 to January 15, but Special Enrollment is available after life changes like job loss, marriage, or moving.

How do I know if I’ll get a subsidy?

It’s based on your income and household size. We’ll walk you through the estimate before you apply.

Is your help free?

Yes — we never charge for our marketplace support.

When should I file for Social Security?

It depends on your age, income, and long-term goals. Jacqueline can help you create a plan that works for you.

What if I’m still working?

There may be income limits and tax considerations. A personalized consultation can help clarify the best timing.

Is this the same as MaineCare or disability benefits?

No — Social Security Retirement and SSDI are separate programs. We’ll help you understand what applies.

How do I get connected to Jacqueline Payne, RSSA?

Just let us know during your next appointment or request a referral. We’ll introduce you.

Are there tools to help me plan?

Yes! We offer links to SSA calculators and Jacqueline provides custom worksheets during your consultation.