Medicare Supplemental and Part D Prescription Drug Plans

The first year I was one Medicare, I called Medicare directly and while they were helpful, my wife and I thought it would be better to work one on one with a broker.    We called Terri Trepanier to go over what might work for me.   Terri helped with through the “muck and mire” and got me an excellent plan both with Medicare Supplemental and a Medicare Prescription Drug Plan.   The plans both fit me perfectly.    I would not have been able to figure this out by myself as there as so many plans available and that alone makes it hard to navigate through.    Thank you Terri for your knowledge and willingness to do what I really did not want to do.    Paul Hodgon, North Hampton, NH  


I wanted to take the time to thank you so much for helping me with choices for Medicare Supplemental Plans and Prescription drug plans.  When I started looking into plans, I called several insurance companies to ask questions.  Much to my surprise, I did not have the luck I was hoping to find until I called you.  I mentioned that I would not need anything for three more months to which you replied that you would be happy to meet with me, share my options, and give me time to go over everything so that I could make a decision that would best suit my needs.  After meeting with you, I was so happy to know that I could take my time, ask you questions, and see that you not only wanted me to understand what I needed, but be comfortable with it as well.   I quickly referred my older sister (notice I said older) and she also was equally pleased.  Your commitment to your business, your clients, and your thoughtfulness speaks for itself.   I thank you for helping me with this transition and feel very fortunate to have found you.     Patty K. Dover, NH


When we met last year to enroll my husband in Humana, I prayed that he would experience a smooth transition from the previous years of rocky situations.  Inevitably though he had one problem in establishing his mail order prescriptions, we contacted you and after a couple of calls, the problem was resolved!  Fast forward to October 2011;  it was now my turn to enroll.  I knew I needed both a supplemental and Medicare Part D plan or did I?  There are a lot of choices.  I called you and made an appointment and within a few days of the call, you came to our home.  Imagine a home visit!  You made the process simple – highlighting the best of several different plans as well as the problems.  The choice was mine.  Cost, state of health, number and kinds of medicines, doctors are all a part of the equation.  As you explained each plan, I was able to clearly choose what would best fit into our budget and cover my medical issues.  You filled out all the paperwork and walked me through each page.  Within two weeks I received letters/membership cards and have already had one of my medications processed though the prior authorization process and be approved!  Thank you for your patience, listening ear, as well as your caring, prompt, and professional service.    Your thoughtfulness towards my husband and I is truly a blessing.   Ralph and Donna F Alton, NH


I first did business with Balanced Care when Cecelia Esposito owned the company. I felt that when Cecelia retired and turned over the business to Terri Trepanier, she would turn the business over to someone knowledgeable.  Well, I was right.  It is so nice to do business  with a person who returns your calls, and works hard at finding you the  right insurance product for your needs. I would highly recommend  Balanced Care. Ted P. Dover, NH


When it was time for my husband to choose a Medicare Supplemental plan, we called Jerry, our new insurance agent from Balanced Care.  Jerry is a great resource and very knowledgeable of the existing plans that are available.   Jerry explained our options, walked us through the process, stated what is covered and what is not, went over the cost for each plan, and then completed the necessary paperwork. We found Jerry to be a dependable person who is honest, trustworthy, and has our best interest in mind. We will be calling him when it is my turn to go on Medicare and are happy to refer him to our friends.  M.R.  – New Durham, NH


Thank you so much for all of your help recently with my transitioning to Medicare.  I wasn’t sure what would be my best option and you clearly explained my options and helped me make a decision that was best for me. I found this to be refreshing as one of the options meant that you would not get the business. You gave me hope of an agent that did right by her clients and I appreciate your help. D.J. – Portsmouth, NH


Jerry corresponded with us when he learned that I had turned 65 and later when Ron was going to retire.  He helped us a great deal through the maze of Medicare Supplemental Insurance and he gave us professional and personalized assistance.  Jerry represents the businessman of integrity that is hard to find sometimes and we appreciated his honesty and interest in our situation.  He has remained at our service and has offered advice and friendship which we greatly appreciate.         Ron and Sharon Malone    www.wordradio.com   


I have known Terri for several years and have always appreciated her pleasant disposition. When I needed help with Medicare, I called her and she responded with the information I needed. Now, in this crazy world of health insurance rules, I just call Terri and she helps me see what is needed.  I feel so good that I have a valued resource such as Terri. I do not hesitate to recommend her to my friends when the subject of health insurance comes up. Thank you, Terri, for being there. W.P. – Somersworth, NH




colin mcgee

Terri has done a great job in assisting me with obtaining both health and dental coverage.   This year she was able to help me set up a plan at my business.  She is knowledgable, thorough, caring, and a pleasure to work with.  I recommend her to my own clients and would confidently recommend her to anyone looking for assistance with their insurance needs.

Colin McGee, EA   Enrolled Agent K.L. McGee Business Solutions, LLC



65356_160190547342940_158445294184132_425974_6083530_nI wanted to take a moment to thank you for providing Back Bay  Networks of NH with exceptional guidance during our annual review of  health care benefits for our employees. These days health care is such  an expensive and complicated area that small business owners like myself  are sometimes overwhelmed with information, making it hard to make decisions. Your thoughtful and patient assistance with the process made it easier.   You answered all our questions and made recommendations that made sense for our business.   I would not hesitate to recommend you to anyone trying to navigate the waters of health care options.   

                                          Rich Salvati President, Back Bay Networks NH, LLC    www.bbnnh.com



Self-Employed, Individuals, and Families


“I am self-employed and have been on a health plan that I am not  happy with. When I met with Terri, she went the extra mile in explaining the plans that would work best for me and my budget. I left our meeting  feeling well-informed and confident about making a choice for health  insurance. I would highly recommend Terri to anyone who is shopping for insurance.”
Amy Toussaint Owner, Euforic Design   www.euforicdesign.com



“Terri has not only helped me with my own person health insurance coverage but I have also referred her to many others.  She is my “go to” girl when it comes to my health insurance.  If you decide to use Terri’s services you won’t be sorry!”       Sue Melhorn, Realtor – Bean Group  www.beangroup.com




When I moved from the corporate world to individual business owner, I had let go of my health care plan.  Just assuming it was not affordable, I didn’t even look into it – until I met Terri Trepanier.  She was able to talk me through the options and I found one that was completely affordable – and that I was accepted into.  I felt more knowledgeable about my insurance than I had ever felt in the corporate world – and I was grateful to be covered again.  Flying without insurance is not a good idea – no matter what kind of health history you have.  It’s definitely worth talking to Terri about options for you and your employees.
Kim Letendre   KAZ Works -Virtual Assistance and Social Marketing   www.kazworks.com

If you’re looking for an honest, trustworthy and dependable person who has your best interest in mind and won’t sell you something that isn’t right for you…look no further, this is your lady.

Stacy Aube     Dedicated Wife and Mama,  President and Founder of Baby Rachel’s Legacy; A Non-Profit For Anencephaly Awareness in Memory of my daughter, Rachel Alice Aube   Rochester, NH  www.thegiftofrachelslife.blogspot.com



rich hilow

 Dear Terri,  

I just wanted to take a moment to thank you for all the help you have given my clients over the past few years, but especially during the past enrollment period. A lot of them are retired and really don’t understand the Medicare pieces and parts. You have made them comfortable with their choices with your kind words and understandable explanations. I am confident talking to them about healthcare as you have taught me so much, and more importantly, comforted knowing that when I give you their names to call, they are in your capable hands. 

Rich Hilow -Registered Agent/Financial Advisor    www.lpl.com/rich.hilow 


Ann Cummings and Jim Lee

Dear Terri,

I would like to thank you for your help finding the right health insurance policy that met my needs.  Your patience and understanding meant so much to me.  I know I asked a lot of questions, and you very carefully and thoroughly responded to every one of my concerns.  You found the insurance carrier and policy that fit what I was looking for, and I am very thankful to have you as my insurance agent.

We also want to thank you for your help with supplemental plans for Jim as well.   Again, you spent time explaining what the differences are in the variety of plans available so that we could make a solid well-informed decision about that as well.

You have the patience of a saint and a huge heart of gold and you are an amazing caring person.

Thank you for all you’ve done to help us with our health insurance needs, and we continue to give your name out when we hear friends and co-workers who would benefit from talking with you about their insurance needs.

Thank you again,

Ann Cummings and Jim Lee     www.newhampshiremainerealestate.com


I would like to thank you again for all you did to help me with this policy on healthcare.gov. You went that extra mile and made it happen even when I wanted to give up. You are a lady that gets things done and I appreciate it. R.M. – Dover, NH


kris ebbeson

Three years ago, when the company I was working for laid me off, I simply continued my health insurance plan through COBRA, as it seemed the easiest option. Six months later, I found out that it was not the easiest option and, in fact, my health insurance had been cancelled! A friend of mine recommended that I talk with Terri Trepanier to help figure out what had happened and within 2 weeks, we had everything sorted out. Terri helped me select a new health insurance plan and was very patient with my questions, detailing all of the options and what was and was not covered under each plan. She also helped me save nearly $300/ month with my new plan!
Now with the Affordable Care Act, Terri has once again patiently explained all of my options. When I received that dreaded letter informing me that my health plan was going to be cancelled, Terri was able to answer my questions and help me navigate through the process of selecting a new plan. Even when I waited until the last minute to sign up and had more questions as I applied online at healthcare.gov, Terri graciously answered my after-hours phone call and helped walk me through the process.
I am so grateful for Terri’s clear explanations, calmness, patience, and professionalism. Navigating through the ACA with Terri’s assistance was almost painless.

Kristin Ebbeson of Kris Ebbeson Photo Journeys    http://kepjonline.com/blog/


naithancouseTerri Trepanier and I are members of a local networking group named Tradeport Connections.    Each week, we are able to talk about our businesses and educate each other on who would be the best referral for us.   I reached out to Terri to help me with my health insurance.   Not only was Terri very knowledgeable about every insurance company she offers, she was also able to help me pick a plan that best fit my needs.   Terri worked around my hectic winter snow removing schedule while being mindful of the deadline for open enrollment.

Naithan Couse – Make A Difference Landscaping    http://makeadifferencelandscaping.com/


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