GreekGodofMedicare.com
MEDICARE - If it's all Greek to you! You're in luck, I'm Greek, We Keep It Simple. Join Our Team He was a father, a husband and a friend.
A few years ago I experienced the death of a close friend due to a motorcycle accident. This was heart wrenching as it hit so close to home. The accident was devastating nobody could believe he was gone. This left an impact on everyone, but mostly on his wife and kids. The aftermath, the parts most people miss because they aren't close enough to see, was even worse. Watching what his wife went thr
ough during the months that followed. She had to get several copies of the death certificate to change accounts into her name. Having to carry those around as a reminder of the tragedy was just as bad as cashing in some of the savings to pay for the funeral. He didn't have life insurance or any real financial planning, which left her in a tight spot of getting a second job. Eventually she started to sell whatever she could to keep the kids in the lifestyle they were accustomed to. But that was short lived. She soon put the house up for sale. Pulled the kids out of school moved them away from everything they have known to move in with her folks in another state. Within a year's time she lost everything; her husband, their savings, their home, and their way of living. To some it happened in the blink of an eye, but to those close it was a long drawn out painful situation. You can imagine how this has affected my life and how this transfers to my daughter. I took a good long hard look at my life and my situation and decided to make a change. People know me as the go to guy for helping others, so I followed that path into the financial world. These days I provide financial education to people, which will help to safeguard their families and everything they have worked so hard for. Making it a point to reach out to as many people as I can every day, making sure they have the knowledge and understanding of how their financial situation will affect the out-come of not only their life but also the lives around them. Striving day in and day out, to be a Trusted Financial Professional. Someone who each day, through honest, intelligent, and hard work enriches the health, wealth, and families of my clients and friends through my services. Being a proud father of a beautiful little girl, son of parents of the 'Baby Boom Generation', and small business owner. These life experiences provide an invaluable perspective and understanding of my client's positions today and desired positions for tomorrow. We work together forging bonds of trust and building lifelong relationships through providing quality financial education. Thus constructing a financial strategy, one person at a time that provides over all financial protection, the most efficient use of dollars saved for tomorrow and a feeling of comfort coming over you as you realize the future is secure for you and your family. Vasilios "Voss" Speros 602-531-5141
06/19/2026
Medicare plans and their requirements aren't just different state to state, they can vary county to county. Learn how population density impacts premiums and why Advantage and Part D plans are region-specific.
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Arizona Medicare & Insurance Solutions
SperosFinancialGroup.com powered by Spark Advisors
VossSperos.com 480-999-4409
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06/17/2026
Worried about your Medigap plan when you move to a new state? Generally, your Medicare supplement plan goes with you anywhere in the country. However, rates can differ by state, so be prepared for adjustments. Your Part D plan is different—you'll need to change that as it's county-specific. Don't miss this crucial step to avoid penalties!
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Arizona Medicare & Insurance Solutions
SperosFinancialGroup.com powered by Spark Advisors
VossSperos.com 480-999-4409
sparkadvisors.com/agents/voss-speros
06/15/2026
Medicare allows insurance companies to bombard seniors with ads because brokers can't directly solicit. While companies market their plans to cover the 20% Medicare doesn't, it's crucial to be wary. Instead, look for mail from official sources like ssa.gov or medicare.gov, and consider consulting a broker.
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
06/12/2026
Retired for years but your Medicare Part B premium just jumped almost $100? It's likely due to an IRMAA (Income Related Monthly Adjustment Amount). Your premium is based on income from two years ago. If you withdrew significant retirement funds in the past, you might have crossed the IRMAA threshold. The good news? If it was a one-time event, you can appeal to have it adjusted.
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
06/10/2026
Navigating dementia care can be complex. While Medicare doesn't typically cover non-medical home health aides or general caregivers, these costs often fall under Medicaid or private pay. Some Advantage plans offer limited coverage, but it's usually not enough for daily needs.
Voss Speros - Greek God of Medicare - JOIN OUR TEAM
Arizona Medicare & Insurance Solutions
SperosFinancialGroup.com powered by Spark Advisors
VossSperos.com 480-999-4409
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06/08/2026
Medicare can be confusing, leading to unexpected medical bills. It often depends on your specific plan. Straight Medicare might leave you with 20% of costs. Supplemental plans like G have a low deductible, while Plan N has co-payments. Advantage plans have no monthly fee but co-pays at service, and hospital stays can range from $100-$400 per day. Understanding your plan is key to avoiding surprises.
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 to manage your diabetes? The good news is, it's generally covered as preventative care, especially with Medicare Advantage plans. Always check with your specific plan for details on coverage and availability.
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
Navigating Medicare enrollment while working can be tricky. If you're 67, working full-time, and enrolled in Parts A and B to avoid penalties, but it's blocking your HSA, there's a solution. You can dis-enroll by submitting form CMS 1763 to Social Security. It's smart to have coverage during job gaps to avoid penalties. Have questions about your specific situation?
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Arizona Medicare & Insurance Solutions
SperosFinancialGroup.com powered by Spark Advisors
VossSperos.com 480-999-4409
sparkadvisors.com/agents/voss-speros
06/01/2026
Doctors often prefer original Medicare over Medicare Advantage plans for a few key reasons. These include the need for pre-authorizations, lower reimbursement rates, and extensive back-end paperwork for approvals. The insurance companies also oversee care to ensure medical necessity, adding more work for physicians.
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 change their formularies mid-year, dropping drugs or changing their tier cost. They must provide a 60-day notice. You can request an exception or discuss alternatives 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
