What You Need to Know about Arizona Medicare Care Supplements Many people in the state of Arizona use Medicare to ensure that they are covered under an insurance program. It certainly can be a benefit, not only to those who are retired but also to those who may have various health issues. When you are

One life fact that all people need to understand is that accidents are inevitable and the state of one’s health is unpredictable. While the majority of people in today’s society are focused on “organic living” with the promotion of positive well-being, this does not exempt any person from potential medical problems. Fortunately, by engaging in

Tips For Obtaining Medicare Insurance In AZ People are more likely to experience health problems as they age. Unfortunately, this can drive up insurance costs. Thankfully, there’s a simple solution to this problem. If you are able to obtain Medicare, you’ll have access to affordable health coverage. These tips will help you obtain Medicare insurance

Medicare Advantage or Medicare Supplement -The Choice? When one turns age 65 they are faced with opportunities and choices.  The opportunity is found in the fact that they now can lower their medical cost because they are entering the “Medicare opportunity”.  The choices are found in the decisions that will be made concerning weather to

Four  Services every Medicare Supplement Broker Should Provide. When one approaches the age of 65 they discover the potential complexities of Medicare.  Complex from understanding what Original Medicare is, the enrollment process to the selection of the proper Medicare Supplement.  We are strong advocates of using competent and qualified Medicare insurance brokers to assist you

Medicare Part B and Preventive Services Medicare Part B is referred to as Medical Insurance in the Medicare world.   Medicare Part B covers medically necessary doctor’s services, outpatient care, home health services, durable medical equipment and other medical services.  Part B also covers many preventive services.  It is important to know the preventative services covered

Does it matter? Is it worth the cost? Do I have a better alternative? When I meet with my Medicare clients these are some the questions they ask regarding the need for a Medicare Supplement. To help them understand the need and the cost I need to first address the what ifs of the world.

Did you know that when you turn 65 you can customize your Medicare plan to meet your needs? To do this you need to have a thorough and clear understanding of your responsibilities and your choices and we know just how difficult choosing a Medigap policy can be. While you do become eligible for Original

Medicare or My Group Plan-What Should I Do? The average American becomes eligible for Mediare coverage at age 65.  But if you are still working and your employer provides healthcare, do you really need to enroll in Medicare? What about Medicare’s prescription drug benefit? Medicare Part A, which most people should enroll in regardless of

Medigap Pro: “A Must – Your Welcome to Medicare Physical” The “Welcome to Medicare” physical  exam is a one-time, preventive physical exam Medicare will cover within the first 12 months of having Medicare Part B. It is highly recommended that you take advantage of this free exam, as it will help you better understand which

The Alphabet Soup that is Medicare One of the first things I seek to clarify with people when they ask me about Medicare and Medicare Supplements is to help them understand the alphabet soup that is Medicare as Medicare and Medicare Supplements use letters to label the various parts.  The purpose of this paper is

The Most Important Six Months of Medicare Failure to understand the six-month rule could place your health care in jeopardy.  What is this most important six-month rule? If you do not enroll in a Medicare Supplement when you first go on Medicare Part B or within the first six months of your Medicare Part B

The Part D Doughnut Hole Explained When one turns age 65 they are presented with the confusion that is Medicare.  Many questions arise such as how to apply for benefits, when to apply for benefits, what Medicare  (Part A, Part B) should I choose and what about prescription drug benefits.  Over the years working with

The Fear of Medicare Eliminated The fear of working with Medicare is much greater than the reality of working with Medicare.  Understanding how Medicare pays your claims and how providers are reimbursed will help eliminate any concern one may have. When you see a provider, you will give the provider your Medicare Card as well

Turning Age 65 – 3 Options When you turn age 65 you have a decision to make which will impact your financial well-being perhaps for the rest of your life.  This decision deals with how you will address your future medical cost with Medicare.  You basically have two options. Option 1 Enroll in Medicare Parts

Medicare Or My Group Plan – What Should I Do? The average American becomes eligible for Medicare coverage at age 65. But if you’re still working and your employer provides healthcare, do you really need to enroll in Medicare? What about Medicare’s prescription drug benefit? Medicare Part A, which most people should enroll in regardless

The One Paragraph for Medigap Policies You Need to Read If you were to ask me what is one of the most important paragraphs, if not the most important paragraph in The Medicare & You Guidebook I would have to say it is found on page 81 of the Medicare & You 2017 guidebook. It

The Most Important Two Things to Know about Medicare Recently I had a conversation with a potential client regarding the frustration of understanding the world of Medicare and the Medicare enrollment process. My client asked a very simple question – “How can I know I am doing the right thing? How can I know I

The 2016 Election, Medicare & You The votes are in.  Donald Trump is president of the United States.  The questions to be asked: “how will the election impact Medicare?” Medicare is considered by many to be one of the most needed and cherished government benefits.  Any time the “wind blows in a new direction” one

The Buzz about Supplement Plan N Insurance companies first began to offer in June of 2010 Medicare Supplement Plan N.  Take a  closer look at the benefits of Plan N and you might find yourself with a very cost beneficial Medicare Supplement.  Plan N offers identical benefits to the more popular Plan F but the

A Medicare Supplement plan is private insurance that helps pay for the out-of-pocket expenses covered but not paid by Medicare. An expense may be covered but it also may be subject to deductibles and coinsurance amounts you are obligated to pay. Depending on which Medicare Supplement you choose these deductibles and coinsurance amounts will be

Make the best decision for Medicare Open Enrollment 2016 Medicare Open Enrollment for 2016 begins October 15 and ends December 7.  If you are on a Medicare Advantage Plan or have a Part D Prescription Plan these are important dates you need to know. Listed below is some information which will empower you to make

Original Medicare Covers What? Medicare covers medical services and supplies considered medically necessary to treat a disease or condition.   Listed below is an overview of what Original Medicare (Part A and Part B) coves. What is Medicare Part A Hospital Care Your cost $1, 288 deductible for each benefit period Days 1-60: 0% coinsurance for

The Four Steps When one approaches  age 65 they are bombarded with email, mail and telephone calls regarding Medicare. We suggest to our clients they follow the four steps below to keep them on track as they explore Medicare options.  We have found this simple 4 step process helps to eliminate some of the confusion

Spend your Medicare Dollars Wisely When I have someone call and tell me they are about to reach age 65 the first thing I say is , congratulations you made it!  Just as one is to be congratulated on turning age 65 I also encourage them to seek to spend their dollars wisely when it

Timing is Everything To make sure you take advantage of all that Medicare has to offer and you do not pay any financial penalties you must know the Medicare deadlines.  Thus. “Timing is everything”. Listed below are time frames you need to know to make you sure you understand. Six Months before Turning 65 The

To obtain Medicare Part D coverage you must be entitled to Medicare Part A, and or enrolled in Medicare Part B.  Part D is basically coverage provide for prescription. However, this coverage is quite different from what might consider a traditional prescription drug plan. Benefits are reimbursed according to the prescription formulary, deductibles and copayments.