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Ralph Bredahl - Independent AZ Medicare Broker Since 2007
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Medicare Choices Explained

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Medicare choices include part A provides coverage for inpatient care and Part B for outpatient services.

MEDICARE options Medicare Choices available to Beneficiaries

 Medicare Part A which covers inpatient treatment for Medicare Beneficiaries and Medicare Part B which provides for outpatient services are both available to seniors and some people on disability under age 65 and is referred to as original Medicare.  You can also get attorneys for disability claims from here. However, original Medicare by itself can leave the senior with significant out of pocket expense. You can check out SSDI claim denial attorney here for disability cases.

“As an Independent Insurance Broker in Arizona” states Ralph Bredahl with Arizona Medicare Advisors, “I find a lot of confusion among seniors on what is available to them to help with medical costs. I trust this list will help to answer some of the questions that I hear” [Read more…]

10 Things to Know Medicare Open Enrollment

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10 Medicare Open Enrollment Facts

medicare open enrollment    Navigating the Medicare maze is confusing enough, but the added pressure of the looming open enrollment deadline can be overwhelming. Here are 10 things seniors should know.

  1. Open enrollment runs every year from October 15 to Dec 7.

This window is the time that seniors can sign up for Medicare Advantage (Part C) or Medicare Prescription Drug Coverage (Part D) or they can make changes to an existing plan, move to a new one or change drug coverage benefits.

  1. There are two options when you go on Medicare.

[Read more…]

How Medicare Advantage Plans Work

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Medicare Advantage Plans are also called Medicare Part C.

What is Medicare Advantage
Medicare Advantage

Medicare Advantage plans are offered by private insurers. They provide all Part A and Part B coverage and usually offer extra benefits as well. In many cases, the premiums, co-pays, and deductibles can be lower than they are in a Medigap policy.

When you join a Medicare Advantage Plan, you are still in Medicare, however the insurance company coordinates with Medicare for you. You deal with the insurance provider directly. Like Medigap, these plans offer extra benefits that fill in the gaps of Medicare. In addition, most MAs include Part D prescription drug coverage.  [Read more…]

Surge in Medicare Advantage Sign-Ups

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Medicare Advantage Sign-ups 

medicare advantage signups    WASHINGTON — Five years into Medicare spending cuts that were supposed to devastate private Medicare options for older Americans, Medicare Advantage signups in private insurance plans through Medicare has shot up by more than 50 percent, confounding experts and partisans alike and providing possible lessons for the Affordable Care Act’s insurance exchanges.

When Congress passed President Obama’s signature health law nearly six years ago, it helped offset the cost by cutting payments to Medicare Advantage plans, offered by private insurers operating under contract with the government. Insurers and Republicans said the cuts — about $150 billion over 10 years — would “gut” the program, a major theme in the 2010 and 2012 elections. The Congressional Budget Office predicted that enrollment would fall about 30 percent. [Read more…]

Arizona Medicare Advantage-Nutshell

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Arizona offers many choices for Medicare Advantage plans. HMO, PPO, PFFS, POS and SNP

Ralph Bredahl is an Independent Medicare Broker in Arizona and is licensed in the state of Arizona. Medicare beneficiaries in Arizona have many choices when deciding on a Medicare Advantage plan and it can be a confusing choice. To enroll in an Arizona Medicare HMO, you must have Medicare Part A and Medicare Part B, pay your Medicare Part B premium and live in the plans area

“As an Independent Medicare Broker in Arizona I have clients telling me that the task of choosing a plan for their needs is daunting” explained Ralph an independent broker with Arizona Medicare Advisors.  (Health Maintenance Organization), PPO (Preferred Provider Organizations), PFFS (Private Fee-for-Service). POS (Point of Service) and SNP (Special Needs Plans) are all Medicare Advantage options available to Medicare Beneficiaries in Arizona. There is no best plan or best type of plan since everyone has different needs. An overview of Medicare Advantage plans available in Arizona follows: Arizona Medicare Brokers [Read more…]

Senior Health Common Facts

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What are some common facts about Senior Health?

  • As people get older, physiological changes occur in their body as a natural part of aging.
  • Physical changes due to aging can occur in almost every organ and can affect seniors’ health and lifestyle.
  • Some diseases and conditions become more prominent in the elderly.
  • Psychosocial issues can also play a role in physical and mental health of older adults.
  • A balanced diet and regular exercise are strongly linked to better health outcomes in seniors.
  • A series of routine screening tests and preventive measures are recommended for the elderly.
  • Important preventive measures at home can improve the safety and health of seniors.
  • Geriatrics is a medical subspecialty dedicated to the care of the elderly. Physicians who have specialized training in this field are known as geriatricians.

[Read more…]

Senior Sleep Disorders How Much sleep is needed

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  • By Diana Rodriguez | Medically reviewed by Pat F. Bass III, MD, MPH

Getting enough sleep is important for everyone, but it’s especially vital for seniors. Follow these steps to a better night’s rest.

Many seniors deal with a number of health problems related to aging — one in particular is sleep disorders or not getting enough healthy sleep. It’s not the advancing of age per se that keeps seniors from a good night’s rest, but various sleep disorders or sleep disturbances that often come with age. [Read more…]

Healthy Aging -7 Steps

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Great ideas to help Aging

Getting older involves change, both negative and positive, but you can enjoy aging if you understand what’s going on with your body and take steps to maintain your health.

Many different things happen to your body as you age. Your skin, bones, and even brain may start to behave differently. Don’t let the changes that come with old age catch you by surprise.

Here are some of the common ones: [Read more…]

Sitting harmful to health

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Senior Health Alert

Researchers are finding that a sedentary lifestyle is harmful to your health, and over time, sitting on your backside can literally kill you. Thanks to the electronic age, people worldwide are spending less time in physically active jobs and hobbies and more time sitting at computer screens and texting via smartphones. At home, couch potatoes watch TV, pay bills online and catch up with friends via Facebook and FaceTime – all without standing up and moving around. As people of all ages sit for longer periods of time, their metabolism slows, circulation decreases and muscles become weak and stiff.   [Read more…]

Slow Cognative Loss as you Age

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Activities that slow cognitive loss

By Grace Burke

Mental Activity

  • • According to the senior care directory, keeping the brain active seems to increase its vitality and may build its reserves of brain cells and connections and may actually generate new brain cells
    • Higher levels of education appear to play a role in protecting against dementia, possibly because brain cells and their connections are stronger, symptoms may still appear but later in a person’s life

[Read more…]

More Senior Citizens are working

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12 Jobs for Senior Citizens

Retirement is changing. People are working past 65 and many seniors are staying in or returning to the workforce, either full time, part time or as consultants or independent contractors.

According to a study from the Families and Work Institute, this change is largely because people want to earn more money to retire more comfortably or because they believe they would be bored by not working. [Read more…]

Seniors move to Protect Medicare Plans

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 Growing Movement to protect Medicare Plans

Washington, D.C. –The Coalition for Medicare Choices (CMC) -a national grassroots organization of more than 1.6 million individuals who receive their health care coverage through a Medicare Advantage health plan – today announced the launch of a new website as part of a growing effort to promote the value of Medicare Advantage and protect the benefits it provides to millions of American seniors. The new site includes enhanced tools to allow seniors in Medicare Advantage to engage with their members of Congress, take action to protect their health care benefits, and tell their personal Medicare Advantage stories. [Read more…]

Medicare Screening

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Medicare Screening for Prostate Cancer

Men with Medicare.

Are you the type of guy who puts off doing a task and later wishes he’d just done it? If you’re a man with Medicare, now’s the time to talk with your doctor about whether you should get screened for prostate, for colorectal cancer, or for both. Even if you’re feeling fine, Medicare approved screening tests can find cancer early, when treatment works best. [Read more…]

Medicare Advantage Enrollments increase

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 Medicare Advantage growing among seniors

January 06, 2014 08:00 AM Eastern Standard Time

KENNEBUNK, Maine–(BUSINESS WIRE)–Aggregated enrollment in Medicare Advantage (MA) plans was 15.1 million as of December 2013, up nearly 1.3 million members since December 2012. Membership surpassed 15 million members in October, according to a new report by Mark Farrah Associates (MFA). [Read more…]

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