customer rating (227 votes) ?
The Rep, Pam C, was great---easy to understand, concise in information & very helpful. I put off calling for a long time as did not want to get a pushy sales rep & someone from a foreign country speaking! It was refreshing speacking to her & really felt I got the plan I need. Linda S, Spokane, WA Read more reviews
More about Pamela
My goal in life has always been to work to live rather than live to work. I enjoy the profession I have chosen because it allows me to work hard and make an honest living without sacrificing what is most important to me, which is my family. I have a wonderful husband and six amazing kids. We love to spend time in the evenings together, watching movies, or going for a hike. We look forward to our family vacations together, and, as our children get older, it has been really fun planning family vacations to new and distant locations. We have two dogs, a mixed breed (part Rottweiler and part Shar-Pei) that we have had for the last 14 years, and a 2 year old puggle. Both dogs love to go camping with us.
Three words that describe me:
Intelligent, friendly, and honest.
Favorite thing to do when not at work:
Spend time with family.
Favorite place to visit and why:
So far, my travels have been limited, however I hope to change that as my children get older. My favorite place I’ve been so far is Cozumel, Mexico. I love the ocean, and I really enjoyed the culture of this small island community.
What I like most about helping people find the right Medicare plan options:
I have always loved helping people. It makes my day if I can help customers find a Medicare plan that truly fits their needs.
I’ve always enjoyed going to see new movies with my husband, but my favorite genre is romantic comedy. Any movie starring Meg Ryan and Tom Hanks is on my list of favorite movies.
Medicare articles by Pamela
Does Medicare Cover a Chronic Cough?
Do you have a chronic cough? It's not always easy to identify the cause, according to the Mayo Clinic, and it can disrupt your sleep and your life in general. Chronic cough is one of the most common reasons people go to the doctor, reports a Harvard Medical... Read more
What are the Benefits of Yoga for Seniors?
What is yoga for seniors? Yoga is a mind/body practice with historical origins in ancient Indian philosophy, according to the National Center for Complementary and Integrative Health (NCCIH). Yoga may combine physical postures, breathing exercises, and... Read more
Is Your Loved One Taking Too Many Prescription Drugs
A study published by Harvard Medical School showed that one-third of older adults take at least five or more prescription medications, over-the-counter medications, or dietary supplements. The study also suggest prescription drug use is on the rise. About one... Read more
Does Medicare Cover Treatment to Help You Stop Snoring?
Snoring is the hoarse sound that occurs when air flows past relaxed tissues in your throat, causing the tissues to vibrate as you breathe while you’re sleeping according to the Mayo Clinic. You may want to stop snoring because it can be a nuisance to your... Read more
Five Tips on How to Improve Your Memory
According to the National Institute on Aging, forgetfulness can be a normal part of aging. The brain changes with age. While some memory problems may be a sign of a serious condition like Alzheimer’s disease, other types of memory problems may be improved... Read more
Can Alcohol Use Cause Dementia?
While evidence of alcohol's negative impact on cognitive function remains clear, the medical and research community remains divided over whether excessive alcohol use may lead to the development of dementia. Alcohol use and dementia According to the Centers... Read more
Does Medicare Cover Allergies?
If you have allergies, you're not alone. The Centers for Disease Control and Prevention (CDC) notes that more than 50 million Americans suffer from allergies. An estimated 30% of adults and 40% of children are affected, estimates the American College... Read more
5 Ways to Feel Beautiful While Fighting Breast Cancer
Breast cancer is the most common cancer in American women after skin cancer, according to breastcancer.org. About 1 in 8 American women will develop invasive breast cancer in her lifetime. Breast cancer treatment can affect your appearance. How will breast... Read more
Durable Medical Equipment: Do You Need Pre-authorization?
As a Medicare beneficiary, your Medicare Part B coverage may help to pay for covered durable medical equipment. However, you may have to meet certain requirements, such as pre-authorization, before your benefits kick in. Here's what you need to know... Read more
Medicare Supplement Plans for People Under 65 and Disabled in Texas
Medicare Supplement (Medigap) plans help pay your out-of-pocket costs under Original Medicare (Part A and Part B). According to data collected by America's Health Insurance Plans Center for Policy and Research, over 11 million people are enrolled in a... Read more
Does Medicare Cover a Lung Transplant?
Lung transplant surgery replaces a diseased lung with a healthy lung from a deceased donor. Some people get one lung during a lung transplant and some people get two. According to the National Institute of Health, you may be eligible for a lung transplant if... Read more
What Does Medicare Pay for Blood?
Does Medicare cover blood transfusions and related services? Yes, Medicare generally covers blood transfusions as well as blood processing and handling services. These are the main coverage requirements: The blood transfusion is medically necessary.... Read more
What Is the Brain Cancer Survival Rate?
Brain cancer, and other tumors of the spine and central nervous system (CNS), is one of the least common types of cancer. According to the National Cancer Institute, just 1.4% of all new cancers are brain and CNS tumors. Of course, if you are one of those... Read more
Does Medicare Cover Cholesterol Prescription Medications?
Cholesterol medications may help lower the risk of heart disease or stroke, according to the Food and Drug Administration. But the National Institutes of Health (NIH) points out that not everyone who has high cholesterol should necessarily take cholesterol... Read more
Medicare Supplement for Those Under 65 and Disabled in Delaware
Are you an under 65 Medicare beneficiary looking for help with out-of-pocket costs? You might be able to buy a Medicare Supplement plan for people under age 65 and disabled. Medicare Supplement (Medigap) plans may help with certain out-of-pocket expenses... Read more
How can Medicare Supplement help with ALS?
ALS, or amyotrophic lateral sclerosis, is a progressive neurogenerative disease, according to the ALS Association. ALS attacks motor neurons and results in progressive muscle weakness and eventually leads to ventilator support for breathing. There is no cure... Read more
How to Get Your Prescription Drugs in a Nursing Home
The transition to a nursing home or other long-term care facility brings lots of questions and changes in how you get the prescription drugs you need. Fortunately, Medicare makes provisions for your prescription drug coverage when you are in a nursing... Read more
Does Medicare Cover Atrial Fibrillation (AFib)?
If you have atrial fibrillation, you may be wondering how Medicare coverage works. Learn more about atrial fibrillation, including risk factors, prevention, and treatment options. What is "AFib," or Atrial Fibrillation? According to the American Heart... Read more
Senior Weight Loss: How to Reach Your Ideal Weight
As you age, you may find your weight changing. Some weight loss for seniors is concerning and some is desirable. Read on to learn more about weight loss for seniors and reaching your ideal weight. What is my ideal weight? The first step to reaching your... Read more
Does Medicare Cover Breast Implants After a Mastectomy?
What is a mastectomy? According to the Mayo Clinic, a mastectomy may be a treatment option for those with early-stage breast cancer or those who wish to prevent breast cancer. A simple mastectomy removes the breast tissue, nipple, areola and skin but not... Read more
Medicare Supplement Plans for Disabled and Under 65 Individuals in California
Medicare Supplement (Medigap) plans help with out-of-pocket costs you may have in Original Medicare (Part A and Part B) such as copayments, coinsurance, and deductibles. Offered through private insurance companies, these plans may also cover costs not... Read more
Does Medicare Cover Speech Therapy
Speech therapy involves a wider scope of treatment than you might think - it can help with social communication skills, thinking and understanding, and even swallowing. If you have a stroke, your doctor might prescribe speech therapy. Speech therapy: when... Read more
What If I have Medicare and No Prescription Drug Coverage?
Do you have Medicare coverage, but no prescription drug coverage? You may be able to add prescription drug coverage through Medicare. This coverage is optional, but if you ever need it, it might save you money to sign up when you first get Medicare. Original... Read more
Does Medicare cover hearing tests?
Hearing problems are very common as people age. In fact, one in three people ages 65 to 74 has some degree of hearing loss. That figure jumps to almost half for those 75 and over, according to the National Institute of Health (NIH). If you or someone you love... Read more
PFFS vs PPO: What’s the difference
Medicare Advantage, also known as Medicare Part C, is an alternate way to get your health care benefits under Original Medicare (Part A and Part B). Here's a look at the difference between a Medicare Advantage PFFS vs PPO plan. What is a Medicare... Read more
Does Medicare Cover Pregnancy and Child Delivery?
Yes, Medicare does cover certain services related to pregnancy and delivery in some situations. This isn't too surprising when you consider that Medicare beneficiaries include those younger than age 65 who qualify because of disability. According to a... Read more
Are Medicare Advantage Plans Subsidized?
If you are looking for a Medicare subsidy, you might be happy to find out that there may be ways to get financial help paying for Medicare and Medicare Advantage. Healthcare.gov defines subsidized coverage as health coverage available at reduced or no cost... Read more
I’m retired – do I need Medicare Supplement insurance?
I am retired, do I qualify for Medicare? Are you retired and looking for health-care coverage? You may have various Medicare plan options available to you, including a Medicare Supplement plan. Keep in mind that Medicare eligibility is not tied to... Read more
Can I Get Medicare Coverage for In-Home Caregivers?
As people age, many choose to stay in their homes rather than move to an assisted living community or other facility. According to a 2012 survey by AARP, about 90% of people 60 or older plan to live in their current homes for the next five to ten years. This... Read more
Can you enroll in a Medicare Supplement plan after the Open Enrollment Period?
When can I enroll in a Medicare Supplement plan? Medicare Supplement (Medigap) plans, sold by private insurance companies, may help pay some of the out-of-pocket costs that Medicare Part A and Part B do not pay, such as deductibles, coinsurance and... Read more
Medicare and Prescription Drug Coverage from an Employer
When they turn 65, many people are automatically enrolled in Original Medicare, Part A and Part B, which generally doesn't include prescription drug coverage. If you're covered by an employer or union plan that includes prescription drug coverage, you may be... Read more
Caregiver Duties: How Medicare can Help
According to the Centers for Disease Control and Prevention (CDC) more than 34 million people provide unpaid care to someone 18 and older who is ill or has a disability. Typically, close family members or friends of aged, infirm, or very ill people serve as... Read more
Does Medicare Cover Tylenol?
The manufacturer brands a generic medication acetaminophen as Tylenol, a pain-reliever and fever-reducer sometimes used to treat arthritis. Part A and B of Original Medicare may not cover Tylenol in either an over-the-counter or prescription strength form. To... Read more
Does Medicare Cover Cholesterol Testing?
According to the National Institute of Health's National Heart, Lung, and Blood Institute, heart disease is the leading cause of death in the United States. In fact, in 2010, heart disease was responsible for 32% of all deaths in the U.S. If you are... Read more
What Are the Common Causes and Symptoms of Diabetes?
When you eat, your body turns most of your food into sugar, or more specifically, glucose, according to the Centers for Disease Control and Prevention (CDC). In turn, your body uses glucose as fuel. A healthy pancreas secretes insulin, and this hormone sends... Read more
What is type 2 diabetes?
The National Institutes of Health (NIH) defines diabetes as a condition where your body doesn't make enough of the hormone insulin, or doesn't use insulin properly. Insulin is a hormone produced by the pancreas that helps control the amount of blood sugar, or... Read more
Lung Cancer Overview: Risk Factors, Symptoms, and Prevention
According to the American Cancer Society, lung cancer is the second most common type of cancer among both men and women. Lung cancer is by far the leading cause of cancer death each year, ending more lives than prostate, breast, and colon cancer combined.... Read more
Alzheimer’s Disease and Caregiving
Alzheimer's disease is a form of dementia (a type of brain disorder), according to the National Library of Medicine. Alzheimer's disease is the most common kind of dementia. Alzheimer's disease can affect memory, thought, and language. When... Read more
Estate Planning: Finding an Attorney
Families often don't consider the implications of important tasks like estate planning until a family member is facing cognitive decline, a debilitating illness, or the prospect of long-term care, according to the National Institute on Aging (part of the... Read more
After Caregiving Ends: Life after Caregiving
When your caregiver duties come to a close after the death of a loved one, there's often a double sense of loss, observes the Hospice Foundation of America. In addition to grieving for your loved one, you also might feel the loss of your caregiving role... Read more
Preparing for End-of-Life Care and Meeting Final Wishes
The National Institute on Aging (NIA) says that end-of-life care is the support and medical care given during the time a loved one is nearing death. According to NIA, when you are providing end-of-life care and comfort for someone you love, there are... Read more
How Do I Find Hospitals Near Me That Accept Medicare?
If you are a current Medicare beneficiary, or soon to be eligible, you may have questions about how and where you can use your Medicare coverage and which hospitals near you accept Medicare. You may also want to compare hospitals based on certain quality... Read more
Rheumatoid Arthritis Treatment and Medicare Coverage
According to the National Institute of Arthritis and Musculoskeletal and Skin Diseases, about 1.5 million Americans have rheumatoid arthritis (RA). Rheumatoid arthritis is a chronic autoimmune disease that causes pain, stiffness, swelling, and loss of... Read more
Osteoarthritis: Definition, Symptoms, and Risk Factors
Do you or a loved one suffer from osteoarthritis? Here’s an overview of the condition. What is osteoarthritis? According to the Arthritis Foundation, osteoarthritis is an inflammatory process that causes the cartilage covering the bones to wear down,... Read more
Depression Overview: Symptoms, Risk Factors, Causes, and Prevention
If you’re concerned that you or a loved one may be struggling with depression, it can be helpful to understand the signs of depression. The National Institutes of Health (NIH) defines depression as a serious mood disorder that severely affects the way... Read more
How Do Medicare Contractors Help with Appeals?
Medicare may use contractors to help process appeals. You have the right to file a Medicare appeal if you feel that Medicare (or a Medicare health plan or prescription drug plan) has denied you coverage of an item or service, or covered less of the cost than... Read more
New to UnitedHealthcare Medicare? Here’s What You Need to Know
As a new member of a UnitedHealthcare Medicare Advantage plan or Medicare Part D Prescription Drug Plan, you may have questions about how your plan works and where to go if you need help. This guide will help you get the most of your benefits and find... Read more
What Medicare Advantage Plans Does Anthem Blue Cross Have in California?
If you're looking for an alternative way to receive your Original Medicare (Part A and Part B) benefits, you might want to look at Medicare Advantage plans offered by Anthem Blue Cross of California. Anthem Medicare Advantage plans offer all the same... Read more
Do Anthem Medicare Plans Cover Routine Dental Services?
If you're a Medicare beneficiary looking for dental coverage, you may be interested in Anthem Medicare Advantage plans or Anthem Extras plans. Here's what you need to know about these plans. Does Medicare dental coverage apply to routine care? Under... Read more
What Medicare Advantage Plans Does WellCare Have?
If you are currently enrolled in Medicare, or approaching Medicare eligibility, you may have questions about the different coverage options under the Medicare program. WellCare, a Medicare-approved private insurance company, offers several Medicare Advantage... Read more
New to WellCare Medicare? Here’s What You Need to Know
If you've recently enrolled in a Wellcare Medicare Advantage or Wellcare Medicare stand-alone Part D Prescription Drug Plan, you may have questions about how to use your plan benefits and what you can expect. Here are some tips and answers to frequently... Read more
What Types of Medicare Part D Coverage Does Coventry Offer?
As a Medicare beneficiary, you may be interested in Medicare Part D prescription drug coverage. Coventry, a private insurance company contracted by Medicare to provide health-care benefits, offers two ways to get your Medicare Part D coverage for... Read more
Medicare Eligibility for Permanent Residents
If you're a green card holder, you may be wondering if you're eligible for Medicare. United States permanent residents may qualify for Medicare if they've lived here at least five continuous years. You may be a green card holder for several reasons, such... Read more
Medicare Doctors When You Live in Multiple States
Medicare doctors in multiple states and Medicare Part A and Part B When you’re enrolled in Original Medicare, Part A and Part B, you can generally see any Medicare doctors in the country that takes Medicare assignment (a payment agreement with Medicare).... Read more
Does Medicare Cover Coreg?
If you have heart failure or have suffered a heart attack, your doctor may prescribe Coreg, or its generic equivalent carvedilol, according to the National Institutes of Health's Medline Plus website. Coreg may also be prescribed to treat high blood pressure.... Read more
Does Medicare Cover Combivent?
If you have asthma, your doctor might prescribe a Combivent inhaler for you. Learn whether Medicare covers Combivent. What is Combivent? Combivent (a combination of generic drugs albuterol and ipratropium) may be prescribed to treat and prevent asthma and... Read more
Comparing Medicare Advantage Plans to Medicare Supplement Plans
People might have a difficult time deciding whether to enroll in a Medicare Advantage plan (Medicare Part C) or a Medicare Supplement plan (also known as Medigap). With a Medicare Advantage plan, the beneficiary receives all of their services through the... Read more
Does Medicare Cover Diovan?
If your doctor prescribes Diovan or Valsartan, the generic for Diovan, you may be wondering if Medicare covers this prescription drug. What is Diovan? According to the National Institutes of Health (NIH) publication Medline Plus, Diovan is in a class of... Read more
Does Medicare Cover Celebrex?
Original Medicare, Part A and Part B, doesn’t pay for Celebrex, Celebrex generic, or most other medications. Part A and Part B only cover medical care that hospitals and physicians provide. To gain prescription drug insurance, you will need to purchase a... Read more
Medicare in Arkansas
In Arkansas, as in other states, Medicare beneficiaries may have several choices when it comes to their Medicare coverage. For example, you can hold onto Original Medicare, Part A and Part B and add certain other coverage to Original Medicare (such as a... Read more
Medicare in California
If you’re shopping for Medicare in California, Medicare.com offers complimentary use of our plan comparison tool. With this tool, you can browse a list of Medicare plan options available in your county, compare prices, and review coverage in greater... Read more
Medicare in Indiana
While shopping for Medicare plans in Indiana, let Medicare.com be your resource. About Medicare in Indiana Medicare beneficiaries in Indiana can choose to receive their health care through the federal government with Original Medicare, Part A and Part B or... Read more
Medicare in Utah
Shopping for a Medicare plan in Utah? It doesn’t have to feel like a daunting task with Medicare.com as your resource. We can help you find a Medicare option that best suits your needs. About Medicare in Utah Medicare beneficiaries in Utah can get their... Read more
Medicare in Ohio
Eligible Medicare beneficiaries in Ohio may have several Medicare coverage options. You can receive your coverage through Original Medicare, Part A and Part B. If you sign up for Original Medicare, you can decide to add a stand-alone Medicare Part D... Read more
Top 10 Reasons to Get a Medicare Supplement Plan
Medicare Supplement (Medigap) plans are sold privately to give you a range of choices for your health coverage needs. Medicare Supplement plans help pay Medicare Part A and Part B costs Original Medicare, the health coverage you can get when you turn 65 or... Read more
How to Avoid the Medicare Prescription Drug Coverage Gap, or “Donut Hole”
Most Medicare Part D stand-alone and Medicare Advantage prescription drug plans include a coverage gap in Part D benefits, also known as the Medicare “donut hole.” During this gap in prescription drug coverage, beneficiaries may have to pay a larger... Read more
About the Medicare Fee Schedule
If you review your Medicare Summary Notices, you may see that the "Amount Charged" by your Medicare provider may not be the same amount as the "Medicare Approved" charge. This is because Medicare only approves the amount listed in the Medicare fee schedule... Read more
How Medicare Supplement (Medigap) Premiums Are Calculated
One of the main factors in determining which Medicare Supplement (Medigap) policy is right for you is the monthly premium amount, especially if you are on a budget. The monthly premium will depend on the type of Medigap plan you choose (Plan A, B, C, etc.)... Read more
Customer reviews of Pamela
If I could write a scenario of a wonderful experience with a representative from any company...the experience with Pamela would be at the top of my list. I wish I could have recorded our conversation so I could play it back in my not so good times...It would put a smile on my face. A BIG Thanks
Anonymous, Spirit Lake, ID
Pam was very helpful,she has a special way of dealing with people who call that are upset about the new coverage, and are confused Pam has a calming affect,she makes people understand what they are doing easy. I hope in the near future if I have to call again to talk to someone I get Pam,because she was so helpful. So thank you Pam .
Anonymous, Philadelphia, PA
Pam Kennedy was extremely helpful and courteous. She let me know she was not swayed in any way by any carrier in order to promote a specific insurance. Her interest was solely to direct me to the insurance that would best suit my specific needs. I am very please with the results and have already recommended your site to other people even the HR department at my present employed so they might direct future retirees.
George S, Crown Point, NY
Female, 65, Abingdon, MD
I appreciated the very informed agent who called me; very knowledgeable about multiple Medicare Advantage Plans and was quite professional.
Female, 66, Boca Raton, FL
Get Medicare Help from Pamela Cannaday
Have Pamela help you choose the right plan for you, or set up an appointment to speak with her about your Medicare questions.