Voss Speros, Medicare Insurance Broker

Answer: I love to help people. Being an insurance agent gives me the most important job of all. protecting folks and families lives.

I work primarily in the senior space; over seeing a provider group shcsaz.com, my wife and I own Red Mountain Funeral Home in Mesa AZ, and having an insurance agency Speros Financial Group. The combination of these allows us the opportunity to help more people then ever expected.

Medicare has all kinds of options for folks to pick from, Being able to spend time with folks and really find out what they need out of their Medicare plan no matter if I get paid or not. Knowing at the end of the day I truly helped someone out, find something that best suits their needs.

Makes it all worth it in the long run and keeps me going day to day. Hearing...Thank you :)

Answer: I would say Yes depending on the situation.

Trial Right:

When you turn 65, go on a Medicare Advantage plan then change your mind before you turn 66. you can get GI for a Supplement plan.

Same goes for if you retire after 65 and Take Part B for the first time, you can

Plan Coverage Drops:

If your Medicare advantage plan drops, is discontinued, or you move out of the plan area you can get a GI to apply for a Supplement Plan. Generally 63 day SEP window.

Answer: There are alot of Medicare Misconceptions, the one I face the most is, "I thought Medicare Covers Assisted Living"

Medicare covers Skilled Nursing up to 100 days through Part A. In a shortish term stay. There is state/federal coverage for Assisted Living which is called Medicaid.

Folks often get those to worlds mixed up, Medicare and Medicaid.

Answer: Medicare covers most things that are medically necessary. Medicare has a list of things specifically it wont cover.

On this topic, if your BMI is over a certain amount and your doctor prescribes that you get the surgery preformed to save you life "Medically Necessary" then yes Medicare would cover it.

Answer: You don't have to get Medicare. IHS and Medicare are 2 different types of insurance.

You have access to both. Both pay for different things.

Medicare can be a second of IHS. You can use providers out side of IHS via your Medicare. They work together to give you more overall coverage.

Answer: Yes something did change. This year 2025, CMS put a cap on out of pocket drug costs for all beneficiaries, a $2000 annual max.

That being said, companies added in the Drug Deductible to more tier levels, Drug ties shifted to off set costs for the Carriers. Co-payments went up, drugs got dropped from formularies

The good thing is you won't pay over $2000 annually for covered drugs, and the carrier can spread the over all cost out over 12 months if you like.

If you have questions Ask a Broker

Answer: It really depends on the person. Im licensed to offer both Med Adv & Med Sups

OM is the OG... it gets things done.

Part A is no cost as long as you worked 10 years and paid in.

Part B cost in 2025 $185 month

OM is an 80/20...covers 80% of your healthcare your responsible for 20%.

Two options to cover the 20%:

A Supplement/Medigap plan can cover the 20% at a monthly cost.

(Supps/Medi is not a Medicare Plan. It is straight Insurance to cover the 20%)

You'll also need a Part D Drug Plan at a monthly cost.

Medicare Advantage is Medicare Part C. Insurance Carriers contract with Medicare to offer Medicare. It generally costs $0 month, turns the 20% into minimum co-payments for service at time of use. It usually includes the Part D It also includes other non Medicare Covered Benefits.

It really comes down to what each persons healthcare is like and what they can afford. There are lots of other variables past those...That's why its good to meet with a Broker

Answer: You should review your options at minimum once every year. What are the sings... you ask? Here is a question for you, has anything changed in your life or health over the past 12 months or since your last review?

If not then you're probably good. If something is different then you need to give us a call and review your plan. There are hundreds of plan options available to you.

Make sure to utilized everything that is available to you and double check to be sure.

Answer: Yes you can use your HSA to pay Medicare premiums of Parts B, Part D, and Part C.

Couple things, once you enroll onto medicare, you can't contribute to your HSA account any longer. You can't use your HSA to pay for a Supplement/Medigap plan (since these are not medicare or health plans)

Answer: Good question, keep an eye out for anything from Medicare.gov or the Social Security Department, those are keepers.

If it is from an insurance carrier set those aside to skim through. If you call a carrier they will talk you into their products.

Skim through the rest to read up on Medicare info. Lots of companies and agents send confusing materials to get you to call. If it is confusing, trash it or shred it.

If you see something you like or recognize give them a call. Make sure ask what insurance carriers they contract with... you don't want to get pigeon holed into one thing.

Give us a call, we can help sort out the mess see whats going to work best for you.

Answer: Yes most of my clients use the OTC card provided by the insurance carrier. The carrier gives a list of stores you can use it in. At the stores on the price tags it says OTC, so you know which items you can buy with it.

You can also order from a catalog the insurance carrier sends you or has uploaded onto your portal. They make it pretty simple to use. Just categorize those items at check out, swipe your card and go.

Answer: America shells out about $5 Trillion per year on healthcare.

Per person is about $15000 on average.

Answer: There isn't any Donut Hole as of 2025. Don't you fret about a thing. There is a $2000 max out of pocket for all drugs as of 2025, instead of the donut hole and an $8000 max.