As you begin your journey into Medicare, I wanted to remind everyone that the purpose of having insurance is so we can partner with a company that will assume the liability if anything happens to us with respect to our healthcare and, to keep us from financial ruin. You need to weigh the coverage you want with the unknown healthcare needs you will have on down the road.
My wife Tami and I have been in the Valley since 1986 and we are honored that your research and ingenuity have brought you to our website at www.bradenmedicare.com.
I started Braden Medicare in 2015 with the goal of building the best little Medicare Insurance business in Arizona. Medicare has often been described as awkward, confusing and overwhelming for people. It is not Rocket Science, but it is different than what we have been accustomed to during our working careers. We are here to help. We will bust our butts to explain Medicare in plain, easy to understand common sense terms, and we never charge our clients a penny for our services or for our expertise.
We like to begin by asking questions, listening to you and learning what you want your Healthcare in retirement to do for you and your family. What things are most important to you with respect to your healthcare? Would you like to have predictable costs, do you want to have a plan with limited networks of Doctors? Do you want to have a Primary Care Physician? Do you like the idea of paying out of pocket for Hospital stays, limited Physical Therapy X-Rays and MRI's, Doctors Office Visits or just to pay to receive a referral so you can see a specialists? Do you want to manage a lot of fine print or would you rather be in control of your own healthcare, so you can go to any doctor or hospital you want to go to? Where you pay a manageable monthly premium where the only other out-of-pocket-costs is a $238 deductible for the year? We want to empower you to be in charge of your own healthcare choices. We will help present your options, then, based on your preferences, we will get to work presenting options that fit your preferences. At Braden Medicare you will always be in control and we are committed to working with you and your family so that you can enjoy the rest of your life with peace of mind knowing your friends at Braden Medicare have set you up for success and that we will always be here for you and your family whenever anyone has questions in the future.
I grew up in the Midwest and I am proud of my roots and my common sense Midwestern work ethic. Everyone goes through life either doing what they love to do or doing something that they found they are very good at. For me, I have always been very hands on and I have a genuine affinity for serving others. I was taught at an early age to respect my elders. That is why I decided to focus on Medicare and working with seniors. I saw far too many seniors being dismissed, discounted or taken advantage of because of their age, and Tami and I wanted to change that narrative.
Our goal at Braden Medicare and www.bradenmedicare.com is to have people view Braden Medicare and Braden MSI Insurance Services as beacon of light in a storm. Someone you can identify with, someone you can grow with, someone you can trust and most importantly someone you enjoy working with, someone who genuinely cares about you, your family and will do whatever they can to make you feel educated, informed and valued and empowered. We believe you can never have to many friends, we strive to make everyone we meet comfortable and respected. We treat clients like friends and we have always treated friends like family!
I'm confident you will come to know us as being genuine, authentic, sincere and honest people. We shoot straight and we look people in the eye when we shake their hand. We care, we really view everyone like family and we will always do everything in our power to make sure our family is protected. So let us do the heavy lifting and remove all of the rocks from your knapsack, so you can start moving forward with the most important time of your life. A time when retirement means living, taking the time to do whatever you want to do, enjoy every day and making up for lost time.
QUICK FACTS ABOUT MEDICARE THAT EVERYONE NEEDS TO KNOW
THERE ARE THREE WAYS YOU CAN CHOOSE TO PARTICIPATE IN MEDICARE
1.) Original Medicare which is a traditional 80/20 Health Plan where the government pays 80% and you pay 20%. There are no networks with Original Medicare. You can see any Doctor and go to any hospital in America that accepts Medicare.
2.) Original Medicare with a Medicare Supplement Plan. A Medicare Supplement /Medigap Plan F, Plan G and Plan N will pay for all of your 20% share that is not covered by the Government. Both the Mayo Clinic and Barrow Neurological Center in Phoenix accept Original Medicare but they do not accept any Medicare Advantage plans.
3.) Medicare Part C or Medicare Advantage. This is insurance that are typically HMO or PPO plan types. They are offered by private insurance companies and it is not part of the United States Government like Original Medicare is. These Plans have Networks you have to use, most of the HMO plans include Prescription Drug Coverage, most of the PPO plans do not. You are responsible for paying Co-Pays and Co-Insurance. Each plan has a Maximum-Out-Of-Pocket Expense or MOOP. This ranges from $2,800 - $7,500 meaning that the plan will only pay for everything once you reach your MOOP. And, you have to choose a new plan every year and you have to read the Fine Print in the Summary of Benefits and the Explanation of Benefits section of your plan you are considering. Lastly, you will always e on the hook for 20% of any Cancer Treatments, even if you reached your MOOP!
WAYS WE ARE BETTER THAN OTHER MEDICARE AGENTS AND MEDICARE BROKERS
So what makes Braden Medicare special? Well, for starters we have more plan options than any other Medicare Insurance agency in the Grand Canyon State. By having more choices you will spend less money on premiums because you get to choose the company you want to partner with:
MORE THINGS THAT SET US APART AND MAKE US UNIQUE
From assisting clients with getting enrolled in Medicare, to educating them on the Four Parts that make up Medicare. We work tirelessly every day to help our clients achieve Peace of Mind by taking care of them and ensuring they have quality healthcare that they are happy with and that they understand, for the rest of their lives.
At Braden Medicare we are a little bit different. Different how you might ask? Well, first and foremost we love to learn about our clients by listening to them. We like to empower them by asking them to describe what they want to achieve with their Healthcare. What do they like and what things are most important to them, and not just them, but we also like offer to pass along information about Medicare to the rest of their family, whenever it is appropriate. And we speak Medicare fluently.
I would describe myself as relaxed. prepared, easy to speak with, well read, an excellent communicator and a great friend. I am hard working and as far way from pretentious as you can get. I go the extra mile for people because that is what providing a service is all about to me. I love turning over every stone to help someone. Going above and beyond is everyday life for us at Braden Medicare, we may e a lot of things, but the one thing we will never e is out-worked!I may be a lot of things, Our goal for every day is to exceed the expectations of our clients.
When you work with Braden Medicare Insurance, you're not just getting a quote or help with one individual policy, you're getting a friend for life who will always be committed to putting your needs first and someone who you and your family can count on and trust to look out for you and your best interests and help you in any way we can.
We only represent companies with S&P or Moody's Rating of B+ or higher.
On top of our Medicare Insurance offerings, we also offer an outstanding selection of ancillary insurance products like Dental, Vision, LTC (Long Term Care), Final Expense, Life Insurance, Cancer Insurance, Hospital Indemnity Insurance as well as Under 65 Health Insurance and Short-Term Health Plans.
OUR MISSION STATEMENT
"To deliver unequaled service to our clients and develop lasting relationships by always interacting with our clients in a genuine, caring, and respectful manner".
Medicare is a national health insurance program established and administered by the federal government. It operates under the same rules and regulations no matter where you live in the US.
Medicare operates under CMS (The Centers for Medicare and Medicaid Services) under the umbrella of the United States Department of Health and Human Services.
You generally become eligible for Medicare when you turn 65. Some people may qualify earlier if they receive Social Security Benefits or have been diagnosed with ALS (Lou Gehrig's Disease) or end-stage renal disease.
Once you turn 65, you have two Credible choices for Health Insurance, Medicare and your Employer Group Health Insurance as long as your employer has over 20 employees.
If your employer has less than 20 employees, you will need to join Medicare as soon as you turn 65 to e in compliance and to avoid Medicare Late Enrollment Penalties..
For many people, Medicare is a much better choice than their employers Health Plan and many employers offer to reimburse employees working past 65 for their Monthly Medicare Part B and their Medicare Supplement. And the most comprehensive plan for those new to Medicare is Medicare Supplement Plan G!
We recommend everyone who is planning on working past age 65 to request a meeting with their Human resources or Benefits Administrator so you can see what options you will have. Compare your weekly/bi-weekly charges for your Group insurance, list what your deductible is and find out if you can how much your employer pays for your plan. In just about every case your employer will save money by taking you off of their plan roles and just reimburse you for your monthly Medicare premiums. Then, when you are finally ready for retirement, there is nothing for you to do, you will already be enjoying the benefits and peace of mind from having the most comprehensive healthcare available.
Medicare has different parts that cover different things: Medicare Part A covers In-Patient Costs, Medicare Part B covers Out-Patient costs. Medicare Part C refers to Medicare Advantage plans and Medicare Part D covers Prescription Medications.
Original Medicare consists of Medicare Part A and Medicare Part B. Original Medicare is an 80/20 Healthcare plan. This means that Medicare will pay for 80% of all Medicare covered expenses and all medically necessary procedures. Then, after Medicare pays, you are responsible for the remaining 20%.
Medicare is not free. There are monthly premiums and cost sharing for things such as deductibles and coinsurance. Today there are over 57 million people on Medicare, there are over 900,000 doctors and hospitals who accept Medicare in the United States.
Your Initial Enrollment Period (IEP) for Medicare is 7 months long beginning 3 months before your "Birth Month" and continues until 3 months after you turn 65. Some conditions may qualify some people for Medicare benefits before they reach 65.
During your IEP you are GUARANTEED issue into Medicare and any Medicare Supplement Plan or Medicare Advantage Plan you choose. During this special period, there are no medical questions to answer and nothing about your past or present health status needs to be disclosed!
After your IEP, anyone on Medicare is welcome to apply for any Medicare Supplement plan they choose, but; everyone will be subject to Medical Underwriting approval in order to join. If you care in good overall health, are not dependent on Insulin, have not had Cancer for at least 5 years and have no Cardiac issues (Pacemakers, Stents, Defibrillators) and you do not have ALS or End Stage Renal Disease you should qualify.
There are late penalties if you miss your IEP and do not have any other credible health coverage (such as employer coverage). You can apply for Medicare from the Social Security Administration in person, online or by telephone.
MEDICARE PART A
Pays for hospital stays, skilled nursing care, blood and hospice. About 99% of people enrolled in Medicare Part A never will have to pay a premium for Medicare Part A coverage because of the Medicare Taxes they paid through payroll deductions throughout their working careers. The Medicare Deductible for Medicare Part A is $1,600.
MEDICARE PART B
Covers outpatient services such as preventative care, doctor visits, lab work, diagnostic imaging, outpatient surgery, durable medical equipment, chemotherapy, radiation treatments, Drug Injections for various ailments and more.
EVERYONE who enrolls in Medicare Part B must pay their monthly Medicare Part B Premium and their Annual Part B Deductible, regardless of whether they participate in Original Medicare, a Medicare Advantage Plan or; even if they choose Original Medicare with a Medicare Supplement policy. Your Medicare Part B premium can be Paid by Credit Card, Direct Bill, EFT Transfers or can be paid from your monthly Social Security Benefits.
For 2023 the monthly Medicare Part B premium is $164.90, and the Annual Part B Deductible will be $226. This means you must meet the annual Deductible before Medicare begins to pay.
Both Medicare part A and Medicare Part B are 80% paid for by the government and 20% is the responsibility of the beneficiary or the patient. With Original Medicare you are free to choose and Doctor or Hospital that accepts Medicare Terms for payment. (Approximately 94% of all Doctors accept Medicare.
MEDICARE PART C
Medicare Part C is most commonly referred to as Medicare Advantage or MA. Medicare Advantage plans are still 80/20 plans but instead of the government, these plans are offered and managed by private insurance companies. where the private insurance company pays for 80% of covered services and you are responsible for the other 20%. You must pay your 20% share whenever you receive medical services. You are also responsible to pay for any/all co-pays and deductibles.
M/A plans are either HMO (Health Maintenance Organization) or a PPO network (Preferred Provider Organization). With these plans you must use the Doctors and Hospitals listed in their network in order to receive full coverage for any procedure.
The company decides which services they will pay for and honestly, they are well known for denying claims and coverage, they just do not disclose that in their TV commercials or Marketing flyers/Postcards/Brochures.
Medicare Advantage plans each have their own MOOP. MOOP stands for Maximum-Out-Of-Pocket expenses. This is the amount you must pay for before your insurance company pays for all of your healthcare services. And, for 2023 the average for MOOP for In-Network care is $5,700 and over $12,000 for Out-Of-Network care.
MEDICARE PART D
Covers Prescription Drugs. Because there is no prescription drug coverage with Original Medicare (except for those drugs and medications that are provided during a hospital stay).
On October 8, 2003 President George W. Bush signed Medicare Prescription Drug coverage into law.
Medicare Part D covers retail prescription drugs for Medicare beneficiaries through unique, stand-alone drug insurance plans. .
You pay a monthly premium to join any Medicare Part D Prescription Drug plan available in your area that fits your needs the best choose in addition to the discounted price for your prescription medications. These plans range from $5.40 - $139 per month. We strongly believe that it is best to work with an experienced Medicare Broker like BradenMedicare.com to find the best plan at the lowest cost for your own individual needs.
Each Insurance Company offering Medicare Part D Prescription Drug Plans must have at least 1 Plan that offers the Senior Savings Model which caps the monthly maximum you can spend on Insulin at $35.00.
You should review your plan annually and you can change your plan in the fall and the new plan will begin on January 1st every year.
All Medicare Supplement (Also referred to as Medigap) plans are identified by a letter and each plan has the exact same coverage coast to coast. The only difference is the price the insurance companies charge in each state.
Medicare Supplement Plans became available in 1990 and these plans are all standardized and must follow the guidelines set by Medicare itself. Medigap Plans are lettered and although the coverage is the same from each Insurance Company their prices will vary. These are Plans A, B, C, D, F, G, K, L, M and N. The most common plans sold are Plans C, F, G and N, however only Plan G and N are available for those new to Medicare after January 1st, 2020.
Medicare Supplement Plan G or Medigap Plan G is the best and the most comprehensive Medicare Supplement available to new Medicare Beneficiaries as of 1/1/2020.
Plan F used to be considered the Best Medigap plan available, and it is still popular, however, the annual premiums for Plan F are usually $400-$1,200 more per year than Plan G. The only difference in the plans (aside from the price) is that Plan F automatically pays your Annual Part B Deductible for you. Medicare sends you a bill for you to pay your Part B Deductible. With Plans F and G you will never have a bill from Medicare for any Medicare approved/Medically Necessary procedure, aside from your Annual Part B Deductible, which everyone has to pay, regardless of what Plan they enroll in.
With a Plan G Medicare Supplement plan, Medicare pays their 80% share and your Plan G policy, pays the remaining 20% (your share) and you pay nothing!
Medicare will pay their share and your Medicare Plan G Supplement will pay the rest. Honestly, this is the best deal in Healthcare in the US. The best way to look at this is your Maximum Out-Of-Pocket Expense is your monthly premium. The majority of Plan G beneficiaries pay well under $2,000 a year in premiums and when you realize that the lowest MOOP (Maximum Out-Of-Pocket Expense) you can find with a limited no-cost Medicare Advantage plan is $5,700 based on the 2022 nationwide average. comparison.
Perhaps the biggest benefit is choice and portability. A Medicare Supplement or Medigap plan allows you to choose ANY Doctor, go to ANY Hospital ANYWHERE in the United States and you are covered, as long as the Doctor and Hospital both accept Medicare's Assignment/Fee Structure.
Why would anyone choose a limited Medicare Advantage plan with local networks and limited choices for Physician's and Healthcare Facilities when you have less exposure and better coverage with a Medicare Supplement Plan G? And, not just that but once you are approved and enroll in a Medicare Supplement, your plan can never cancel your policy, as long as your premiums are paid. That is true peace of mind for you and your family.
You must continue to pay your Medicare Part B premium even if you are enrolled in a Medigap Plan.
Items not covered by Original Medicare include:
Medicare does cover Cataract Surgery, Macular Degeneration, and a limited amount of Chiropractic and Acupuncture therapies. So for the sake of Medicare it is easiest to remember that Medicare will cover anything at an Ophthalmologists office, but they will not cover anything at an Optometrists office.
Did you know that all Medicare Supplement Plans (aka Medigap Plans) are standardized by Medicare? This means that every Medicare Supplement Plan available in the US is the same from coast to coast. What is not the same is what each individual insurance company charges in premiums in a specific market (State). So you can feel safe knowing that a Medicare Supplement Plan G from ACE Healthcare has exactly the same benefits as the plan from Blue Cross.
Many companies who offer Medicare Supplements have extra added services and benefits such as Health Club Memberships, Discounts for Dental and Vision, etc. If these are important to you make sure to ask your Broker.
Medicare Supplement Plans F, G and N will also pay the $1,600.00 Medicare Part A Deductible for you and Plans F and G will also cover any Excess Medicare Part B charges for you.
Lastly, many Medicare Supplement insurers request a $20-$25 Application/Policy Fee when applying for one of their plans. Although this is quite common it is not necessary. There are plenty of other quality companies who do not require you to pay these unnecessary fees.
Medicare Advantage plans are not Medicare. They are Medicare inspired Healthcare plans offered by private insurance companies. These companies decide what procedures they will cover! There are limited networks, with annual Out-Of-Pocket Expenses (MOOP) between$5,700 - $12,000 annually.
A Medicare Advantage Plan is a private health insurance plan approved by Medicare. You have the option to receive your Part A, Part B and Part D benefits from a Medicare Advantage Plan instead of Original Medicare. Originally these private insurance company offerings were referred to simply as Medicare Part C. Medicare Advantage plans usually have and HMO or PPO network of physicians and hospitals. All Medicare Advantage Plans are 80/20 Plans where the insurance company pays 80% of the covered charges and you are responsible for paying your 20% share as you go. Each year you in the fall Annual Enrollment Period you will need to choose a new plan for the coming year
MA and MA/PD (Medicare Advantage Plans) were created as an alternative to Original Medicare and Medicare Supplemental/Medigap insurance. By joining one of these plans, you direct Medicare to pay the Advantage Plan a set monthly amount for your care. In return, the plan will deliver all of your Part A & Part B benefits and services. Essentially your care and services are managed by a private insurance company instead of the government. The Insurance carrier takes on all of the risk. And, unfortunately, each Insurance Company makes it own rules and they have final say on what procedures are covered and which ones are not.
You must continue to pay your Medicare Part B premium each month, you must be enrolled in Medicare Part A and Part B and you must live in the Medicare Advantage Plan' service area.
Medicare Advantage plans are NOT Medigap plans. They work differently because your insurance company pays all of your bills instead of Medicare, which means they also decide what they will and will not cover.
There are some great advantages for people choosing a Medicare Advantage plan. First and foremost is that most of their plans offer $0 monthly premiums, the majority of Medicare Advantage plans also include Prescription Drug coverage. And there are many other benefits including Dental, Vision and Hearing benefits, Over The Counter (OTC) Benefits, Transportation and more.
At Braden Medicare we are legally contracted by the best Medicare Companies who offer Medicare Advantage plans in Arizona. It is important to mention that we do not offer every plan available in every county in the United States. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.”
Medicare Part D is a Voluntary Prescription Drug Plan that was introduced in 2006 to help Seniors on Medicare with a way to help them cut down on the costs associated with Prescription Drugs.
Any beneficiary who is enrolled in Medicare Part A or Medicare Part B is eligible to enroll in a Part D Plan.
Medicare Part D is simply insurance for your medications. You pay a monthly premium to an insurance company for your Part D Plan. In return, you use the insurance carriers' network of pharmacies to purchase your prescription medications. Instead of paying full price, you will pay a copay, or a percentage of the drugs cost and the insurance company pays the rest.
Plans vary by state but most start around $25-$35 per month.
Two things we always recommend to our clients are:
#1 You should never overpay for a Part D Medicare Prescription Drug Plan that covers more than you need because you are always able to change or switch your Part D plan each year during the Fall Medicare Annual Enrollment Period that runs from October 15th through December 7th. Then, if you decide to change plans because either the costs went up or your prescription medications changed, your new plan will begin on January 1st for the upcoming year.
#2 Everyone should download a copy of the Good RX app onto their Phone, Tablet or PC. Then, whenever a medication is prescribed check the price on Good RX and compare that with what your new medication would cost with your Part D Drug plan. In many cases, it is less expensive to use a free Good RX coupon than using your plan. That is why we compare every medication our clients have to ensure they are in the best plan, to save them the most money and we gladly review their plans each fall to ensure they are always in the right Part D plan that saves them the most money on their prescription medications every year.
In our home State of Arizona we are proud to offer every Medicare Prescription Drug plan available. However, we do not offer every Medicare Prescription Drug plan available in every State. Any information we provide is limited to the Medicare Part D plans that we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.”
Often times people who have not done any homework on Medicare come to the conclusion that Medicare is a sub-standard form of Healthcare that is only for old people or for those who cannot afford Health Insurance. In reality Medicare is arguably the best Health Insurance you will ever have. That is why Medicare is the only Healthcare Program available if you are over 65 and no longer covered under your Employers Group Healthcare Plan.
Medicaid is a different animal altogether. Medicaid programs are managed by each Individual State, while Medicare is a National Healthcare solution.
Medicaid is typically used for Single Mothers, Aid for dependent children, those with a disability and yes, Medicaid offers assistance for those whose income level is lower than various Poverty Level Standards.
Medicaid also will come into play for individuals who need 24-Hour Care in a Nursing Home or Skilled Nursing Facility and they do not have the means to pay for the costs themselves. Medicare Insurance Medicare Broker
Copyright © 2023 Braden MSI Insurance- All Rights Reserved.
" Disclaimer: Medicare has neither reviewed nor endorsed this information. Braden Medicare Insurance Agency is not associated with or endorsed by the United States Government or the Federal Medicare program. Braden Medicare Insurance is an Independent Medicare/Healthcare Broker offering Medicare Supplement and Medigap Plans, Medicare Advantage Plans, Medicare Prescription Drug Plans, Under 65 Health Insurance, Short Term Health Insurance, Life Insurance, Dental, Vision, and Hearing Insurance. The Braden Medicare Insurance Agency is not affiliated with the U.S. Government or the Federal Medicare Program"
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We are a licensed, independent Medicare Broker since 2015. We are passionate about helping seniors and we are dedicated to educating them about Medicare. We are going to treat you like a member of our own family. We'll ask you questions and then get busy helping you you with your Medicare Health Insurance plans. You can call or email us for a free, complimentary review of your current plan. We will even assist you with getting enrolled if you need it. At Braden Medicare, we make learning easy and you'll be speaking Medicare fluently in no time!