Voss Speros

[Voss Speros @SperosFinancial]

Enrollment in Medicare Parts A & B to avoid penalties can block your HSA if you continue working. To dis-enroll and regain HSA access, submit form CMS-1763 to Social
#MedicareReview #VossSperos #SparkAdvisors #shcsaz #SperosFinancial #ArizonaMedicare

[Voss Speros @SperosFinancial]

Why don't doctors like Medicare Advantage plans? It often comes down to lower reimbursement rates, extensive paperwork for approvals, and pre-authorization requirements. It's a system that can mean less pay for more work. #Medicare #Healthcare

[Voss Speros @SperosFinancial]

Medicare drug plans can change or drop medications mid-year, but they must provide a 60-day notice. You can request an exception or discuss alternatives with your doctor. #Medicare #HealthTips

[Voss Speros @SperosFinancial]

Medicare drug plans have a new cap! Starting in 2025, your out-of-pocket drug costs will be capped at $2,000, increasing to $2,100 in 2026. This means after you hit the cap, #Medicare #Healthcare #MedicareTips

[Voss Speros @SperosFinancial]

Worried about being denied Medicare Advantage due to health? Good news: you can't be! Private insurers contract with Medicare, ensuring acceptance regardless of pre-existing conditions. Unlike supplemental plans, Advantage plans accept you. #Medicare #HealthInsurance

[Voss Speros @SperosFinancial]

Thinking about switching to a Medicare Advantage plan? Most people need to wait for the Medicare Advantage Open Enrollment period (Jan-Mar) unless you qualify for a Special Enrollment . . #Medicare #HealthInsurance
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[Voss Speros @SperosFinancial]

Medicare covers basic cataract surgery to restore sight. If you want specialized lenses beyond the medically necessary option, you'll pay the difference. Supplemental plans cover what Medicare covers; upgrades are out-of-pocket. #Medicare #HealthInsurance

[Voss Speros @SperosFinancial]

Confused by Medicare's MOOP (Maximum Out-of-Pocket)? It's not a deductible; it's the most you'll pay in co-payments annually. Ranges vary, but hitting it means your plan covers 100% for the rest of the #Medicare #HealthInsurance #MOOPExplained

[Voss Speros @SperosFinancial]

Wondering if Medicare covers acupuncture for back pain? Yes, Medicare Part B covers up to 20 visits annually for lower back pain. Medicare Advantage plans may offer broader #Medicare #Acupuncture #HealthTips

[Voss Speros @SperosFinancial]

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[Voss Speros @SperosFinancial]

Retiring and missed the Medicare enrollment at 65? Don't worry! If you had employer coverage, you have an 8-month window to apply for Medicare without penalties. Gather CMS forms, prove continuous credible coverage, and sign up for #MedicareTips #RetirementPlanning

[Voss Speros @SperosFinancial]

Thinking Medicare costs are too high? While direct coupons are rare, programs like Extra Help (LIS) can cover medication costs. Explore pharmacy discount cards like GoodRx #Medicare #HealthSavings

[Voss Speros @SperosFinancial]

Annuities are a key part of retirement planning, offering protection and the ability to become your own personal pension. They provide a steady income stream, like Social Security, and can even extend to a spouse.

[Voss Speros @SperosFinancial]

Staying updated on Medicare changes is crucial. Brokers recertify annually with AHIP and carriers, diving deep into new plans, policies, and county-specific options. This extensive r. #Medicare #HealthInsurance

[Voss Speros @SperosFinancial]

Curious if Medicare covers dialysis? Yes, it covers it at home or in a center! Part B covers dialysis for End-Stage Renal Disease, even if you're under 65. Advantage plans can help with the 20% cost share and may even offer transportation. #Medicare #Dialysis #Health

[Voss Speros @SperosFinancial]

Using discount cards like GoodRx instead of your Medicare drug plan might seem cheaper initially, but those savings don't count towards your deductible or out-of-pocket maximum. Weigh your options carefully! #Medicare #HealthSavings

[Voss Speros @SperosFinancial]

Are Medicare Advantage plans truly free? While premiums are often $0, they aren't entirely free due to co-payments for services. It's a clever marketing strategy focusing on no-cost premiums compared to pricier supplemental plans. #Medicare #HealthInsurance

[Voss Speros @SperosFinancial]

Confused about Medicare's new drug plans for 2025/2026? If your prescriptions are covered by your Part D plan, these new plans can help you save money. You might still have a deductible, but your out-of-pocket costs are capped at $2100. #Medicare #Healthcare

[Voss Speros @SperosFinancial]

Already on disability and wondering about Medicare? If you've been on SSDI for 24 months, you'll typically be auto-enrolled in Medicare on your 25th month. Double-check with Social Security to be sure, and look into . #Medicare #SSDIDisability

[Voss Speros @SperosFinancial]

Losing a spouse can impact your Medicare plan, especially if you were on their employer's coverage. You'll likely need to contact HR and transition to your own individual Medicare plan. . #Medicare #HealthInsurance #LifeChanges