Americas Top Assisted Living Resources

Americas Top Assisted Living Resources Assisted Living Directory and Senior Living Advisors. We work with seniors and their families on Placement and Paying for Assisted Living.

Helping to find the right fit Both Medically and Financially.

06/08/2026

Confused about Medicare costs? If you're on straight Medicare, you might still owe 20% of your medical bills. Supplemental plans offer lower deductibles, while Advantage plans have co-pays at service time. Understand your plan to avoid surprise bills.
Voss Speros - Greek God of Medicare - JOIN OUR TEAM
Arizona Medicare & Insurance Solutions
SperosFinancialGroup.com powered by Spark Advisors
VossSperos.com 480-999-4409
sparkadvisors.com/agents/voss-speros

06/05/2026

Wondering if Medicare covers nutrition counseling for diabetes management? The answer is generally yes! Both Original Medicare and Medicare Advantage offer preventative care, including nutrition counseling. It's crucial to check with your specific plan for details on coverage and providers.
Voss Speros - Greek God of Medicare - JOIN OUR TEAM
Arizona Medicare & Insurance Solutions
SperosFinancialGroup.com powered by Spark Advisors
VossSperos.com 480-999-4409
sparkadvisors.com/agents/voss-speros

06/03/2026

If you're 67, working full-time, and enrolled in Medicare Parts A & B to avoid penalties during a job gap, but now want to disenroll from Part A to access your HSA, Social Security requires a specific form (CE-CMS 1763). You can disenroll to regain HSA access. It was smart to enroll to avoid coverage penalties.
Voss Speros - Greek God of Medicare - JOIN OUR TEAM
Arizona Medicare & Insurance Solutions
SperosFinancialGroup.com powered by Spark Advisors
VossSperos.com 480-999-4409
sparkadvisors.com/agents/voss-speros

06/01/2026

Ever wonder why doctors aren't fans of Medicare Advantage? It often comes down to lower reimbursement rates compared to original Medicare, requiring pre-authorizations, and a significant amount of back-end paperwork. The insurance companies oversee care for medical necessity, unlike original Medicare where billing can be simpler, leading to potential for more fraud, waste, and abuse.
Voss Speros - Greek God of Medicare - JOIN OUR TEAM
Arizona Medicare & Insurance Solutions
SperosFinancialGroup.com powered by Spark Advisors
VossSperos.com 480-999-4409
sparkadvisors.com/agents/voss-speros

05/29/2026

Medicare drug plans can indeed change their formularies, dropping drugs or altering their tier cost mid-year. They are required to provide a 60-day notice. If a drug is dropped, you can request an exception or discuss alternative medications with your doctor.
Voss Speros - Greek God of Medicare - JOIN OUR TEAM
Arizona Medicare & Insurance Solutions
SperosFinancialGroup.com powered by Spark Advisors
VossSperos.com 480-999-4409
sparkadvisors.com/agents/voss-speros

05/27/2026

Worried about Medicare drug plan costs in 2026? The $2,100 cap is real, meaning after you hit this amount, Medicare covers the rest. You can also spread costs out with your carrier to manage expenses. Stay informed!
Voss Speros - Greek God of Medicare - JOIN OUR TEAM
Arizona Medicare & Insurance Solutions
SperosFinancialGroup.com powered by Spark Advisors
VossSperos.com 480-999-4409
sparkadvisors.com/agents/voss-speros

05/25/2026

Worried about being denied a Medicare Advantage plan due to your health? The answer is no. Private insurance companies contract with Medicare, ensuring you get accepted regardless of pre-existing conditions. You can even switch plans during enrollment if your healthcare needs change.
Voss Speros - Greek God of Medicare - JOIN OUR TEAM
Arizona Medicare & Insurance Solutions
SperosFinancialGroup.com powered by Spark Advisors
VossSperos.com 480-999-4409
sparkadvisors.com/agents/voss-speros

05/22/2026

Wondering how to switch to a Medicare Advantage plan this year? The Medicare Advantage open enrollment period runs from January to March. If you're already on an Advantage plan, you can switch to another one. Moving from a supplement plan to an Advantage plan typically requires waiting for the annual open enrollment, unless a special election period applies (like moving counties or losing work coverage). Consult a broker to explore your options and ensure a smooth transition, including canceling your supplemental plan.
Voss Speros - Greek God of Medicare - JOIN OUR TEAM
Arizona Medicare & Insurance Solutions
SperosFinancialGroup.com powered by Spark Advisors
VossSperos.com 480-999-4409
sparkadvisors.com/agents/voss-speros

05/20/2026

Wondering about cataract surgery and Medicare? Medicare covers the medically necessary basics to restore your sight. If you want upgraded lenses beyond the standard, you'll likely pay the difference. This applies to both Original Medicare and Medicare Advantage plans.
Voss Speros - Greek God of Medicare - JOIN OUR TEAM
Arizona Medicare & Insurance Solutions
SperosFinancialGroup.com powered by Spark Advisors
VossSperos.com 480-999-4409
sparkadvisors.com/agents/voss-speros

05/18/2026

Confused about Medicare's MOOP? It's not a deductible. It's the most you'll pay in co-payments annually. Your MOOP can range from $25 to $10,000, depending on your plan. It's a crucial safety net, especially for hospital stays. If you anticipate needing significant medical care, opt for a lower MOOP to cap your expenses.
Voss Speros - Greek God of Medicare - JOIN OUR TEAM
Arizona Medicare & Insurance Solutions
SperosFinancialGroup.com powered by Spark Advisors
VossSperos.com 480-999-4409
sparkadvisors.com/agents/voss-speros

Address

456 N Mesa Drive
Mesa, AZ
85213

Telephone

(480) 795-7776

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