I have been working with Medicare clients for over 18 years and can answer all of your questions.
I have written all the articles you see here.
Let’s talk about your Medicare options.
Tag: tucson medicare
What Does Medicare Cost ?
What does Medicare cost? Most people think their $170 Medicare Part B premium covers the cost of their Medicare – but they are very wrong. You can see from the charts below that there are three parts to Medicare: Part…
You might pay a higher Medicare premium
You don’t have to be rich to pay a higher Medicare premium. I’m running into more and more clients and friends who are going to be hit with the Income-Related Monthly Adjusted Amount (IRMAA) when they enroll in Medicare…. and…
Why I hate Medicare Part D
I have written in the past about why I hate Medicare Part D. It is kind of a rip-off for seniors – especially those who take only generics. Yesterday I talked with a man who is paying over $50 per…
Healthcare Costs in Tucson
When it comes to healthcare costs in Tucson, we are a low-cost healthcare market compared to the rest of the country – according to a report by the Healthcare cost Institute. You can read the report summary here: Healthy Marketplace Index…
UnitedHealthcare Contract Dispute
Uh oh. A UnitedHealthcare contract dispute with Northwest Healthcare is going to cause problems for lots of people who live on the northwest side of Tucson. Northwest Healthcare owns Oro Valley Hospital, Northwest Medical Center, and Northwest Allied Physicians. UnitedHealthcare provides…
Medicare Coverage for Home Infusion
Medicare coverage for home infusion services is a problem for really sick people. Why is there no Medicare coverage for home infusion? I was checking on this because a young woman called me and asked if I could find her…
Medicare Part D Is Rigged System.
Medicare Part D is rigged. It is rigged to rip off seniors. This being the Medicare Annual Enrollment Period, I’m checking my clients’ drug lists and I’m finding so many things I don’t like about Part D drug coverage. How…
Big Changes To Medicare Coming Soon
Big changes to Medicare are coming soon – now that Republicans are in charge. And Social Security is certainly on the table because it makes up 25% of the federal budget. Most voters over 55 favored Donald Trump – and…
Medicare costs are going up in 2017
Medicare costs are going up in 2017. Most people on Medicare currently pay a Part B premium of $104.90. That will go up in January to about $109. For people who are new to Medicare, or those who are not…
Checking in on my Medicare clients
I’m checking in on my Medicare clients because the Medicare Open Enrollment Period is coming up. I try to call many of my clients to see if they are happy with their Medicare Advantage plan because this is the time…
Medicare Open Enrollment
Medicare Open Enrollment is October 15th to December 7th. During the Medicare Open Enrollment Period, people can change their Medicare Advantage plan or their Part D plan. Their new plan begins on January 1, 2017. There are some important changes to…
How much a knee replacement costs
Do you know how much a knee replacement costs? I received this infographic from Blue Cross Blue Shield of Arizona. It looks like Blue Cross Blue Shield negotiates different prices with different providers – and negotiated prices can be a lot…
Politics and Medicare
Politics and Medicare are featured in a recent NPR story. Here are highlights from the NPR story on politics and Medicare: The challenge for Medicare is not to expand benefits, but to figure out a way to control future cost…
How To Pay Your Medicare Premium
You can pay your Medicare premium in several ways. This info on how to pay your Medicare premium is from the Medicare.gov website: If you get Social Security, Railroad Retirement Board (RRB) benefits, or Civil Service benefits, your Medicare Part B (Medical Insurance) premium will…
Who Gets Hurt if We Raise Medicare Age to 67.
Originally posted on April 21, 2010 in response to a proposal to raise Medicare age for eligibility: I hit the trifecta this week by meeting three women who will turn 65 in July. All three of them told me they…
Ryan Plan for Medicare is Terrible
The Ryan plan for Medicare is terrible. Let me count the ways: As a health insurance broker, I meet people every month who are desperate for Medicare and good health insurance. These are self-employed people, or unemployed people, or people…
Medicare Coverage for Chiropractor Services
Medicare coverage for chiropractor services can cause billing problems. That’s because Medicare covers certain services among the many things a chiropractor does for a patient – and the patient could end up with a very big bill she thought would be paid by Medicare.
Extra Help Letters from Social Security
Two million people are receiving letters from Social Security to let them know about the Extra Help program for their Part D drug coverage. This is not junk mail and it is not a scam. Eleven million, or 30% of…
$126,000 Hospital Bill and Medicare
This story was originally posted in 2011. My client was shocked by his $126,000 hospital bill. When you spend the night in the hospital, you would assume you had been “admitted” to the hospital – but you could be wrong. …
Medicare Coordination of Benefits
Don’t get caught up in a coordination of benefits mess when you enroll in Medicare. Some people have Medicare as well as employer health insurance. This has caused confusion for a few of my clients. If a person has two…
Medicare and Health Savings Accounts
I’ve had questions recently from clients who have Medicare and health savings accounts (HSA). They were wondering how they can use their HSA once they are on Medicare. Some highlights from a Money Magazine article I just read are: *There…
Hearing Aids and Medicare
Congress barred Medicare coverage of hearing aids 50 years ago because “people thought hearing loss was just a normal part of aging,” said Dr. Cassel, one of the authors of a recent JAMA editorial on hearing health policies. “They didn’t…
See your claims at mymedicare.gov
If you use your Medicare card when you see your doctor (you are not enrolled in a Medicare Advantage plan), you can set up an account on mymedicare.gov. This account will allow you to see what Medicare has paid for…
EMPLOYER HEALTH INSURANCE AND MEDICARE
If you are eligible for Medicare and still working, or if you have employer health insurance through your spouse, there are some rules you need to know. If you are 65 and still working – and your employer has fewer…
Medicare costs for 2016
Medicare Part B premium in 2016: Most people on Medicare will not see an increase in their Part B premium. But… people who are new to Medicare in 2016, or who are not collecting Social Security, will pay a higher…