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Medicare Insurance Arizona
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What is a Medicare Set Aside (MSA)? | Medicare Insurance Arizona
A Medicare Set Aside (MSA) is a unique financial arrangement that helps protect Medicare’s interests when a Medicare beneficiary or potential Medicare beneficiary receives a monetary settlement, judgment, or award from a workers’ compensation or personal injury claim.
A MSA is essentially a specialized savings account that ensures future medical expenses directly related to the injury or illness covered by the claim are paid by the settlement and not by Medicare.Our Medicare experts have extensive experience in all aspects of Medicare Set Asides, which we can put to work for you while you start down your road to a full recovery.
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Medicare Supplement Insurance – Medigap
Medicare is a powerful resource, and with some education, you can take advantage of the many benefits offered. This program mainly exists to support individuals who traditionally have had a challenging time finding appropriate and affordable health care coverage. That being said, enrolling and staying up to date with your own plan is stressful. Medicare is a federal program funded by income taxes, premiums paid by those receiving coverage, as well as the federal budget. Depending on the benefits you sign up for, that will determine your costs and care facilities.
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Understanding Medicare Enrollment Periods | Medicare Insurance Arizona
Are you confused about when you can sign up for Medicare? You’re not alone. The process is complicated, and there are different enrollment periods depending on your circumstances. But don’t worry, Insurance Professionals of Arizona is here to help.
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How Much Does a Pacemaker Cost Without Medicare? | Medicare Insurance Arizona
A pacemaker is a vital piece of medical equipment for so many, but many wonder, “How much does a pacemaker cost without Medicare?If you have more questions about pacemaker surgery and how much it could cost you, reach out. At Medicare Insurance of Arizona, we have the experience you need. If you have a question about insurance, we have the answers. So whether you need a pacemaker or any other medical procedure done, let our agents help you.
#medicare insurance az#medicare insurance arizona#Medicare Insurance Arizona#Medicare Insurance#medicare coverage
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Does Medicare pay for chiropractic care?
If you currently are still using private health insurance, VA benefits or Medicaid, you should try to find out what exactly those benefits cover, and for how much. Again, an IPA agent can help you should you need to determine whether you need additional coverage, or if there are alternatives that can save you on costs.
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In short, Medicare Part B will cover services from a licensed chiropractor, but only to treat a misalignment of the vertebrae resulting in interference to the nerve flow, known as subluxation. Specifically, Medicare covers the manual manipulation (spinal adjustment) when it is considered medically necessary to fix this misalignment.
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Medicare Supplement Insurance – Medigap
Medicare is a powerful resource, and with some education, you can take advantage of the many benefits offered. This program mainly exists to support individuals who traditionally have had a challenging time finding appropriate and affordable health care coverage. That being said, enrolling and staying up to date with your own plan is stressful. Medicare is a federal program funded by income taxes, premiums paid by those receiving coverage, as well as the federal budget. Depending on the benefits you sign up for, that will determine your costs and care facilities.
Types of Medicare
There are two fundamental levels to Medicare that are important to understand: original Medicare and supplemental insurance, or Medigap. Medigap is additional coverage that fills in the gaps left by Original Medicare. Although Medicare pays most costs of the health care services and supplies covered, there are some copayments, coinsurance, or deductible expenses remaining. The right Medigap policy can help ease the burden of some of these health care bills and assist with care even when traveling outside the U.S.
Medicare itself is divided into parts A, B, C and D. Part A covers inpatient care and other hospital costs. This includes medical care in nursing homes, hospice care, and home health services. Part B focuses on two priorities: preventive and outpatient services. Necessary services would be any medical care required prior to diagnosis and treatment of a medical condition. Preventive care is received to prevent illness, like getting a physical or some kind of medical screening.
Part C is also known as Medicare Advantage Plans, which cover all of the same things as part A and B, but these medicare-approved insurance plans can be less expensive. They are offered by private insurance companies and come in the form of HMO and PPO plans. They also offer extra benefits like dental, vision, hearing and gym memberships. Supplemental policies protect your health and give you more control over the kind of provider you get coverage from. Part D covers the cost of prescription drugs.
How to Enroll
First, you should call the Social Security Administration or visit their site online to get some answers to your initial questions. Initially, you will want to enroll in Medicare part A as well as B. Some individuals automatically qualify for other parts of Medicare coverage if they already get other benefits like Social Security, etc.
Next, after confirming your eligibility for part A and B, you will want to determine if you need a Supplement Plan or an Advantage Plan. It is very important to maintain coverage through an employer or private insurance agency when retiring to avoid late enrollment penalties after your 65th birthday. This is a lot to take in and consider; and it can be very confusing to try to determine which path is best to take. Call Insurance Professionals of Arizona today for answers to your questions on Medicare.
Medicare Carrier Advantages
A Medicare Administrative Contractor (AKA MAC) works with Medicare carriers to process claims and provide other Medicare services. The Centers for Medicare and Medicaid Services tap into this network of carriers as their main source of communication between Medicare and participating health care providers. Medicare consists of private insurers handling the bulk of administrative duties like processing appeals and claims or contracting health care providers.
Our expert insurance professionals will provide you assistance to better understand your Medicare enrollment and benefits. We walk you through the process, beginning with the basics, and show you ways to expand your coverage without breaking the bank. Insurance Professionals of Arizona is here to give you access to the necessary information you need to select the best Medicare plan that works for your medical needs, not against them.
Essential Medicare Details
Fundamentally, Medicare is a federal program for people with specific cases of disability, those who are sick with end-stage renal disease, and anyone 65 and older. There are various sectors to Medicare in order to provide coverage for a substantial amount of services and health areas.
However, you can find specific supplemental health care coverage options to help fill in the gaps that Medicare does not. With this supplemental coverage, you will be able to receive care from any doctor, hospital, or provider enrolled in Medicare. Prescription drug costs are usually unpredictable and too expensive. Take a look at Medicare’s part C and D plans that may help cover you with these and more additional healthcare expenses.
Medicare carriers are here to help you sort through your top healthcare provider options. Contact Insurance Professionals of Arizona here to help you successfully pick the best Medicare options for your medical needs. We are confident that our experienced team will find you the best solution for your situation.
What a Medicare Carrier Can Do For You
Medicare carriers provide services and process claims under strict government regulation. They are charged with reviewing any claims filed and determine which of these will qualify for some type of compensation. A carrier also enforces payment policies for the regions in its area. Once these policies are established, Medicare claims are evaluated one by one to ensure the necessary medical services were offered within reason.
Setting up your personal Medicare coverage is difficult and confusing without an insurance professional to guide you through your options. The fact that there are so many choices is good for you and means you can design a plan that is just right for you. But do not settle for less than you deserve if you are stressed out, lost, or because you feel overwhelmed with the process.
Insurance Professionals of Arizona looks forward to hearing from you and helping you find the right Medicare solution for your needs. Call us today and learn how Medigap can cover your healthcare gaps. With over 47 years of combined industry experience, our team of insurance professionals is committed to providing superior service and instruction.https://www.medicareinsuranceaz.com/wp-content/uploads/2017/11/POV31_717_STD_Select.pdf
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Contact Us - Medicare Insurance
If you are looking for an Insurance plan in Mesa AZ, Get a free quick quote & friendly service from Medicare Insurance AZ. Call on 480-331-7974
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Join Us to Become A Certified Medicare Agent
Jason Checketts has over 22 years of training and leadership experience. When you become an agent with Insurance Professionals of Arizona, Jason will be your primary contact, and will help you become proficient at learning the Medicare industry.Our agents provide a very valuable service to the Medicare beneficiaries they serve. If you have a passion for helping others succeed, this may be one of the best jobs you will ever have. Our goal is to help others succeed in their health care choices. If you have integrity, will commit to 100% compliance, and want to enjoy the potential for great residual income, then we invite you to join our team today!
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Medicare Agents Arizona – Medicare Insurance AZ
Contact our professionals and experienced Medicare agents today. They will compare and find best Medicare plan for you. This will help you to save money.
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Medicare Advantage – Medicare Part C
Medicare coverage plans can become a bit complex and costly when you need a more in-depth service. That is why Medicare Part C is a hybrid coverage plan that includes Part A and Part B. This means that hospital insurance and medical insurance are included in this fusion program. A combination of the two allows you to have all the drug and health benefits you need within a single healthcare plan instead of a stand-alone plan. This allows for several cost-effective options for you to choose from and additional unique benefits not offered in other programs.
If you have more questions, work with a licensed representative who can help you get started on your Medicare Part C plan. Contact the Insurance Professionals of Arizona today to review your options.
Comparison of Medicare Part C Plans
Learn how a Medicare Part C Plan can work for you. As an alternative to Part A and Part B, Part C helps you gain the benefits of both programs.
Is Medicare Part C the same as Medicare Advantage?
Medicare Advantage and Medicare Part C are considered the same program. Both allow the convenience of having both the drug benefits and health facility care coverage within a single plan. This is a better alternative than the option of enrolling into the Medicare Prescription Drug Plan, which is an entirely different program for the purpose of covering prescription drugs. There are also extra benefits, such as dental coverage, health wellness programs, hearing and routine vision check-ups. This is something the original Medicare plan does not include. Beneficiaries must enroll through the Medicare Advantage plan with private insurance companies. All of these companies are contracted with Medicare. The Medicare Advantage plans have to provide the same coverage that an Original Medicare plan would cover, and Part A and Part B. This doesn’t include hospice care in Part A, however. To be eligible, you must be within the service area of the Medicare Advantage plan you want to enroll in. You have to be enrolled in Part A and Part B. Unless there is an exception, you cannot have end-stage renal disease to qualify.
Are Medicare Advantage Plans Bad?
While they have great flexibility, they often end up pricier than other programs. There is the possibility of unplanned out-of-pocket expenses that can occur. There are a lot of copay costs that can add up over time if you happen to fall ill. You save a lot when doing well health-wise. However, if you happen to get a very serious medical illness, then you will have to purchase medicines and services through the copay option. The only time you are able to switch back to the Original Medicare plan is during the Medicare open season.
Urgent care may not always be available due to rationing; there is also less flexibility regarding which hospital or doctor you can choose due to rationing. Some plans that have prescription drug coverage may ration high-cost medications.
Get Started on your Medicare Advantage Part C Medical Coverage
To further review your options, you can work with a licensed representative who can guide you on the next steps. Review your medical coverage options and find out which is the most cost-effective plan for you. To make the process easier, you can contact the Insurance Professionals of Arizona today to get started.
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Understanding Medicare Enrollment Periods | Medicare Insurance Arizona
Are you confused about when you can sign up for Medicare? You’re not alone. The process is complicated, and there are different enrollment periods depending on your circumstances. But don’t worry, Insurance Professionals of Arizona is here to help.
When can you enroll in Medicare, and what are the different enrollment periods?
You can enroll in Original Medicare at certain times throughout the year, and these are known as enrollment periods. Typically, you can sign up for Medicare during your Initial Enrollment Period (IEP), General Enrollment Periods (GEP), and Special Enrollment Periods (SEP).
There is also An Annual Enrollment Period (AEP) that corresponds with health care enrollment periods for most adults (October 15 – December 7) where you may enroll in a Medicare Advantage plan or Medicare supplemental plan, should you choose to do so.
The Initial Enrollment Period
The Initial Enrollment Period (IEP) for Medicare is a seven-month period when people first become eligible for Medicare. The IEP starts three months before the month in which you turn 65, including the month of your 65th birthday, and ends three months after that month.
For example, if your 65th birthday is in June, your Initial Enrollment Period would start on March 1 and end on September 30.
If you have been receiving benefits from Social Security or the Railroad Retirement Board (RRB) at least four months before you turn 65, you will be automatically enrolled in Medicare Part A (hospital coverage) and Part B (medical coverage) starting the first day of the month that you turn 65.
It’s important to enroll in Medicare during your Initial Enrollment Period to avoid late enrollment penalties and to ensure that you have continuous health coverage.
The General Enrollment Period
The General Enrollment Period (GEP) for Medicare is a time when people who didn’t enroll in Medicare during their Initial Enrollment Period can sign up for Medicare Part A and/or Medicare Part B. The GEP runs from January 1 to March 31 each year.
If you didn’t sign up for Medicare Part A and/or Part B when you were first eligible, you may have to pay a late enrollment penalty for as long as you have Medicare. The penalty is an additional 10% of the Medicare Part B premium for each 12-month period that you could have had Part B, but didn’t sign up for it.
If you’re eligible for Medicare, it’s important to enroll during your Initial Enrollment Period if possible. However, if you miss your Initial Enrollment Period, the General Enrollment Period provides another opportunity to enroll, even if you have to incur a late enrollment penalty. Your coverage generally starts the month after you sign up.
Generally, you won’t have to pay a late enrollment penalty if you qualify for a Special Enrollment Period. To qualify, you (or your spouse) must still be working and you must have health coverage based on that job.
Special Enrollment Periods
A Special Enrollment Period (SEP) for Medicare is a limited time frame during which you can enroll in or make changes to your Medicare coverage outside of the standard enrollment periods, specifically Part B (and Premium-Part A) without paying a late enrollment penalty. There are several reasons that may qualify you for a Special Enrollment Period, such as:
Losing other insurance coverage, such as employer-sponsored health insurance.
Losing Medicaid coverage, or gaining eligibility for Medicaid.
Moving out of the coverage area of your current Medicare Advantage Plan or leaving a Medicare Advantage Plan that is no longer offered in your area.
Gaining or losing a dependent, such as through marriage, divorce, or birth.
Being released from prison.
These are the most common, but certainly not all, of the situations in which a Special Enrollment Period is allowed. Generally, should you qualify, the Special Enrollment Period would begin the day after your unique event occurs (for example, the day you are released from prison) and lasts roughly six to eight months. However, before doing anything, you should speak to an experienced IPA agent to make sure you qualify, and have the tools you need to apply.
If you don’t sign up during your Special Enrollment Period, you’ll have to wait for the next General Enrollment Period and you might have to pay a monthly late enrollment penalty.
Insurance Professionals of Arizona are always available to answer your questions or concerns, so if you just missed an enrollment period, or currently are in an enrollment period but don’t know how to find the very best options for you, be sure to give one of our helpful agents a call or email.
We’re here to help! Call us today. 480-331-7974
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First and foremost, to become a licensed Medicare agent in Arizona, you will need to submit fingerprints to the Arizona Department of Insurance (AZDOI) for a criminal background check. If you have a criminal record, the ability to become a licensed insurance agent in Arizona will depend on the specific circumstances of your criminal history. In general, the AZDOI will review your application and consider factors such as the nature of the crime, the length of time since the crime was committed, and any evidence of rehabilitation or good conduct. If you have concerns about your eligibility to become a licensed insurance agent in Arizona due to a criminal record, you should contact the Arizona Department of Insurance directly for guidance.
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When You Buy Health Insurance?
So, what about when you have questions about which Medicare Advantage or Prescription Drug plan to choose. When you have a need to buy health insurance, and in this case, a Medicare plan, believe it or not, there is a star rating system that can provide you with critical information that will help you choose the right plan.
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Prescription Drug Coverage – Medicare Part D | Medicare Insurance Arizona
Prescription drugs are an important component of medical treatment, and the costs can be coupled with your Medicare coverage plan. Medicare Part D specifically aids in the payment for prescription drugs. You may not currently need prescription drugs, but this type of coverage makes them more affordable if you ever do. There are different individual prescription drug plans that you can consider, and you can work with the Insurance Professionals of Arizona to discover which plan works best for you. Call us today to review your options.
Background Information on Medicare Part D Prescription Drug Plans
Understanding what is included in the Medicare Part D plan will help you decide what works best for your Medicare coverage plan.
Does Medicare Part D cover my prescriptions?
All plans under this insurance coverage include a broad range of prescription drugs typically taken by participants in the Medicare program. The majority of the drugs in the protected classes are covered as well. These include HIV/AIDs and cancer therapy drugs. Most generic drugs are covered by this plan. The Food and Drug Administration categorizes generic drugs as brand-name drugs or those that are similar to brand-name style formulas found in the same categories. This means that the same active ingredients found in brand-name prescription drugs are the ones that will need to be found in drugs covered by this plan. Every plan has its own formulary, which itemizes what particular drugs are included. Most Medicare plans will also place drugs into tier levels on their formularies to show which level of coverage covers which specific drugs. The lower tiers are less expensive than, the higher tiers but also include fewer prescription drugs.
What prescription drugs are not covered by Medicare Part D?
There are some medications that are not covered by this insurance plan. This includes prescriptions that are not typically utilized for a medically accepted reason. If it is not approved by the Food and Drug Administration, it won’t be covered either. It also won’t be included in the plan if it is sold outside of the United States, even if it is popular in another country. Lastly, the drug won’t be covered if it is sold over-the-counter and is a non-prescription drug. This can include fertility medications, cough syrup, cold medication, cosmetic medications, pills for sexual dysfunction, weight loss or gain medications, and also hair growth treatments. Nutritional supplements and vitamins are also not covered. If there is a medical condition for sexual dysfunction, this may be excusable and considered within prescription drug plans.
What is the best Medicare Part D prescription drug plan?
There is no best prescription drug plan, except one that works best for your particular circumstance. You can compare Medicare Part D Plans to help you choose. For example, if you take a lot of generic prescriptions, you can go through the tiers to understand which ones will cover what you need for the most affordable rate. If you take specific drugs, check the formulary list of each drug plan. If you need some help with the high costs of expensive drug prescriptions, you can pick a plan that has a coverage gap offer. This is so that it can cover your drugs during the gap between when you are and aren’t using them. For prescription drug plans for seniors, this works exceptionally well. If you would like lower costs and extra benefits, you can balance this with more restrictions on which hospitals and doctors you use. This would work for the Medicare Advantage Plan Part C with prescription drug coverage. If you want coverage just in case you need it in the future, and to avoid late penalties, you can enroll in a low monthly premium drug coverage program.
How Much Does Medicare Part D Pay for Prescriptions?
When paying for a Part D premium it always goes by yearly income. When you make less than $88,000 individually and $176,000 jointly, you would only pay for your plan premium. When you make between $88,000 to $111,000 individually and $176,000 to $222,000 jointly, the plan will cost $12.30 plus the plan premium. If you make between $111,000 to $138,000 individually and $222,000 to $276,000 jointly, the plan will cost $31.80 plus the plan premium. In higher tiers, when you make between $138,000 to $165,000 individually and $276,000 to $330,000 jointly, the plan will cost $51.20 plus the plan premium. Also, when you make between $165,000 to $500,000 individually and $333,000 to $750,000 jointly, the plan will cost $70.70 plus the plan premium. Lastly, when you make above $500,000 individually and above $750,000 jointly, the plan will cost $77.10 plus the plan premium.
How Do I Enroll Into Medicare Part D?
To enroll in this coverage plan, you will have to enroll when you’re first eligible and applying for medical coverage of any kind. If you aren’t covered by another drug coverage, for example through a union, you will have to pay a late enrollment penalty for as long as you have the drug coverage. There are two ways to enroll. The first approach is to have Medicare Part A or Medicare Part B insurance coverage before you add on the drug coverage. The other approach is to have the Medicare Advantage Plan, also considered to be Part C, to obtain the drug coverage. However, to be enrolled in Part C you must be in Part A or Part B.
Get Covered by Medicare Part D Today
When you are ready to enroll in the appropriate insurance coverage plan, you can work with a knowledgeable professional who can guide you. Contact us today so we can help you review which plan will work best for you.
Address:- 3521 E Brown Rd #103,Mesa, AZ 85213
We’re here to help! Call us today. 480-331-7974
#Prescription Drug Coverage#Medicare Part D#Medicare Insurance Arizona#medicare advantage#medicare advantage arizona#medicare coverage
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Prescription Drug Coverage – Medicare Part D
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2024 MEDICARE SAVINGS PROGRAMS
It is an overwhelming process to understand and choose the right Medicare Savings Programs. Lets find out what's new in 2024 Medicare Savings programs.
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