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Virtual or Telephone Enrollment is Available
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Are You Within 3 Months of Turning Age 65?

You may initiate the process to enroll in a Medicare Healthcare plan now.   
Early enrollment ensures that your new plan will become effective on the first day that you turn 65. 


Do You Want to Know More

About Your Medicare Health Plan Enrollment Options?
About the Guaranteed Issue Birthday Rule for Medigap Plans in some states?   

Are You Confused About Enrollment Periods?

Learn When You Can:
1.  Enroll In, or Change, A Medicare Supplement Plan, 
2.  Enroll In, or Change, A Medicare Advantage Plan,   
3.  Enroll In, or Change, A Medicare Prescription Drug Plan, or
4.  Return to Original Medicare, and Join a Separate Medicare Prescription Drug Plan 


We provide individualized education to our customers,   

so that they feel equipped to make well-informed decisions.

 
Are You...

New to Medicare?

 Losing or Gaining Medicaid, or other plan coverage? 

Wondering How the Inflation Reduction Act Impacts Your Medicare Health Plan Coverage? 

Experiencing A Life Change That May Affect Your Eligibility?

(such as a move, retirement, or a new health diagnosis)   

Interested in learning more about the Medicare Prescription Payment Plan?

Curious about how your Veteran's Benefits, Medicaid, or other healthcare coverage works with Medicare Healthcare Plans that are available in your area?

Talk to a Licensed Insurance Broker for personal assistance.

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     Virtual or Telephone Enrollment is Available

For Your Convenience and Increased Accessibility

 

 Did You Know? 

In 2026, your maximum out-of-pocket cost for covered Prescription drugs is $2,100.

This maximum only applies to drugs that your Part D plan covers. 

Let us review your plan to make sure that your drugs are covered. 

Would you like to learn about your Dental, Vision, and Hearing plan options?  These products are even available to enrollees who are under 65 years of age.

ENROLLMENT PERIODS

There are several times during the year when you may enroll in a MEDICARE Health or Drug Plan.  You may enroll:

1).  During your personal Initial Enrollment Period, when you are new to Medicare;
2).  During your personal Initial Enrollment Period, when you are New to Medicare Part B;

3).  During the Medicare Open Enrollment Period (October 15 - December 7);
4).  During the Medicare Advantage Open Enrollment Period (January 1 - March 31)  *** This enrollment period is only available to  you if you are already enrolled in a Medicare Advantage Plan.
5).  During certain situations that occur in your life, that may qualify you for a Special Enrollment Period.  These situations include: a move to a new address, a gain or loss of benefits, such as Medicaid, etc.

IF YOU QUALIFY FOR  A SPECIAL ENROLLMENT PERIOD, YOU MAY STILL BE ABLE TO ENROLL IN A PLAN FOR 2026

 Please contact us to discuss your options, and to ensure that your coverage needs are met.


 When you are ready, we can enroll you in the plan(s) of your choice.


Or, if you prefer to self-enroll,

the External link opens in new tab or windowPlan Enroll tool is available to guide you through the process.

Some companies that we represent may not be available in Plan Enroll.
We can send you a customized link to  explore other available options specific to your needs.

Services

    Medicare Supplement Plans

Medicare Advantage Plans

Special Needs Plans [D-SNP | C-SNP]

Prescription Drug Plans

Supplemental Plans [Hospital Indemnity | Cancer | Heart  Attack | Stroke]

Dental Plans | Vision Plans | Dental, Vision & Hearing

Short Term Care Policies

Final Expense (Burial) Plans

Life Insurance

Plans for Individuals Who Are Under 65

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REQUEST A NO COST,  NO OBLIGATION CONSULTATION


Breadth Coverage Through Partnership

  BROKER SPOTLIGHT
Partnerships Bring  Customers More Coverage Options

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        Meet  Donna Wells

  My practice as a Registered Nurse fueled my passion for patient education and advocacy.  I witnessed that applied knowledge empowers.  Well-informed patients were more involved in decision making regarding their care.  This led to better outcomes and greater satisfaction with their healthcare experiences.
  The transition from healthcare to health insurance was a natural progression for me.  I maintain the same passion to educate my clients, and to help them to make well-informed decisions regarding their coverage options.  
  From personal and professional experience, I realize that having adequate health insurance coverage provides more control over individual healthcare choices.  It also helps to prevent financial instability when facing unforeseen medical expenses.
Donna Wells, Independent Insurance Broker, with a focus on Medicare Supplement, Medicare Advantage , Prescription Drug, Special Needs, Hospital Indemnity, Critical Care, and Final Expense Plans

Flexible Coverage Options

Instead of working as an agent for one insurance company, I am an independent broker.  This means that I partner with multiple insurance companies.  These partnerships give me  greater flexibility to enroll clients in the plans that best suit their needs.  I am also available to assist customers who are under 65 to enroll in
health, dental, vision, and other insurance plans.

External link opens in new tab or windowPhoto Courtesy of Josh Banow Photography.  
Friends Enjoying Life At the Ocean.

Photo Courtesy of Josh Banow Photography

Client engaged in virtual conference

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Independent Insurance Broker

  As an Independent Insurance Broker, my primary focus is you -- my client.  My goals are to educate you,  to build your trust, and to increase your peace of mind about your coverage choices. 

 With an Insured State of Mind, you can relax.  You can focus on taking care of your health, and on enjoying life.

Smiling, Happy Couple Enjoying Life

Senior engaging in exercise therapy

 Versatile Solutions

  Whether you seek information or enrollment in a Medicare Supplement, Medicare Advantage, Prescription Drug, Hospital Indemnity, Critical Care, Dental, Vision, Hearing, Short Term Care, Final Expense, or Life Insurance Plan,  you will receive easily understood education about plan choices and enrollment.

  I currently offer a wide variety of plan options for residents of Georgia, Maine, Maryland, New Hampshire, Nevada, New Jersey, New York, North Carolina, Pennsylvania, Virginia, and Washington, D. C.

  I am also an active volunteer.  I provide community educational services that assist others who desire to make positive lifestyle changes.

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MEDICARE  IEP
(is Your Personal
Initial Enrollment Period)

  
 

Your IEP Generally Begins Three (3) Months Before the Month of Your 65th Birthdate.  Your IEP Allows You to Enroll in Original Medicare Parts A & B.

 
   

  Once You Are Enrolled In Original Medicare, You  May Choose to Enroll in a Medicare Supplement or a Medicare Advantage Plan.  These plans help to pay costs that Original Medicare does not cover.
If you choose Original Medicare, or a Medicare Supplement Plan,
you will also need a creditable
Prescription Drug Plan.

  
 

  What is the difference between the Medicare Supplement and the Medicare Advantage Plan?
What is the Medicare Supplement Open Enrollment, or Guaranteed Issue Period, and Why does it matter?
When can I enroll in, or disenroll from, each type of Medicare Healthcare Plan?

FOR ANSWERS TO YOUR QUESTIONS,

   

Insured State of Mind
is at Your Service

 
 

READY  TO  TALK?

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Contact Us


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Schedule a no-cost, no-obligation appointment to learn about plans

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Contacts


phone:  External link opens in new tab or window(207) 752-1348

email: External link opens in new tab or windowdwell@insuredstateofmind.com

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                     Open Hours

             --For Other Hours,
     Please Call For Appointment



Monday
9:30 am - 6:30 pm
Tuesday
1:00 pm - 6:30 pm
Wednesday
1:00pm - 6:00 pm
Thursday
1:00 pm - 6:30 pm
Friday
10:30 am - 7:30 pm
Saturday
1:30 pm - 08:30 pm
Sunday
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                                            Partnered With

 

ACE Medicare Supplement Official Logo
 
Insurance Company of North America [INA] 
  
  
Aetna Official Logo
               
  

 AETNA CONTINENTAL LIFE

 

 AETNA COVENTRY

 

 AETNA SILVERSCRIPT Rx

 
  
  
  
Aflac Independent Agent Official Logo
 
   
   
Allstate Health Solutions Official Logo 
  
  

AMERITAS

ANTHEM  |  ELEVANCE

 
 

    BLUE CROSS BLUE SHIELD

 

CAREFIRST

 
 

EMPIRE

 

EXCELLUS

 
   

 Cigna  Healthcare Official Logo

   

 HEALTHSPRING

 
  
   
 
  
  


 

 DELTA 

  VISION

 
  

 DEVOTED

  

 EMBLEM  HEALTH

 
  
  

 FIDELIS

 
 
  
   

GERBER

 
  
  

 GUARANTEE  TRUST  LIFE  (GTL)

 
  
  

 HARVARD  PILGRIM

 
  
  

 HEALTHFIRST

 
  
  

 HIGHMARK

 
 

 

 HUMANA       

 

  

 JOHNS

 HOPKINS

 
   
   
KAISER  PERMANENTE 
   
   

LIBERTY 

 BANKERS

 
   
   

MANHATTAN LIFE       

 

 MANHATTAN LIFE SHORT TERM CARE

 
   
   
   
Molina Healthcare Official Logo
 

Senior Whole

 Health of NY

 
   
   

 MUTUAL OF OMAHA

 MVP

 
   
   

 PROTECTIVE LIFE

 PRUDENTIAL

 
   
   

 SENTARA [OPTIMA]           

   
   

SIERRA  HEALTH  AND  LIFE

 


 
  
  
United Healthcare Official Logo
 
   

& UHC Supplemental Plans (Golden Rule)

   
VSP Individual Insurance 
   
   

WELLCARE  [CENTENE]

 
  

WOODMEN LIFE

 
  

We're in External link opens in new tab or windowMaine Senior Guide

 
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Disclaimer:  All services provided to you by Insured State of Mind agents/brokers are at no cost, and without obligation.

Brokers are paid directly by the plan when enrollment occurs.  We do not offer every plan available in your area.
Any information provided is limited to the plans that broker offers in your area.  For information on all of your options, please contact Medicare.gov, or 1-800-MEDICARE.
 
  
       

         

   

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