Andy Childs - Medicare Agent

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Andy Childs - Medicare Agent Andy Childs provides Medicare Advantage and Supplemental plans and actionable information to help you take control of your Insurance. Serving Arizona.

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A wallet full of insurance cards can get confusing. Which one does the doctor's office actually need?These cards walk th...
10/16/2026

A wallet full of insurance cards can get confusing. Which one does the doctor's office actually need?

These cards walk through Original Medicare, Medicare Advantage and the pharmacy counter. There is also a next step if your new drug-plan card has not arrived.

I'd keep a simple note with your cards about when to use each one. Keep Medicare numbers and card photos out of public comments.

Sources: Medicare.gov, Your Medicare Card; How to get Medicare services; Using your drug coverage.

10/15/2026

Fall Medicare Open Enrollment does not itself guarantee acceptance for Medigap. Federal protections, state rules, and your enrollment history matter. Check your specific situation before arranging a switch.

General Medicare education. Costs, coverage and eligibility vary by plan and situation. Childs Insurance Agency is not connected with or endorsed by the U.S. government or the federal Medicare program.

Sources: Medicare.gov; CMS

10/14/2026

A later valid enrollment request during fall Open Enrollment generally becomes your choice for January 1. Keep your confirmation and check what you submitted. Hypothetical example; same-day applications have different processing rules.

Fall Open Enrollment runs October 15–December 7, 2026.

General Medicare education. Costs, coverage and eligibility vary by plan and situation. Childs Insurance Agency is not connected with or endorsed by the U.S. government or the federal Medicare program.

Sources: Medicare.gov; CMS

Staying overnight in a hospital does not always mean you were admitted as an inpatient. Observation care is outpatient c...
10/13/2026

Staying overnight in a hospital does not always mean you were admitted as an inpatient. Observation care is outpatient care, and that difference can affect your costs and whether a later skilled nursing stay meets Medicare's coverage rules.

I'd ask the hospital about your status each day. These cards explain the difference, show a made-up example, and give you a short checklist.

The usual three-day inpatient requirement has exceptions, and other skilled nursing coverage conditions apply. Medicare Advantage members should check their plan's rules and costs.

Sources: Medicare.gov, Inpatient or outpatient hospital status and Skilled nursing facility care; CMS, Medicare Outpatient Observation Notice.

10/12/2026

For Medicare Advantage, verify the exact plan's network with the plan and your providers. Include your specialists, hospital, and the office location you actually use when checking 2027 coverage.

General Medicare education. Costs, coverage and eligibility vary by plan and situation. Childs Insurance Agency is not connected with or endorsed by the U.S. government or the federal Medicare program.

Sources: Medicare.gov; CMS

No referral needed does not always mean no plan approval needed. With a Medicare Advantage PPO, you can see a specialist...
10/09/2026

No referral needed does not always mean no plan approval needed. With a Medicare Advantage PPO, you can see a specialist without a referral. A test or treatment may still require prior authorization. I'd check the visit and the service separately: Does either need paperwork? Who is sending it? Has the plan made its decision? What would my share of the cost be? These cards explain the difference with a made-up example. Rules and costs vary by plan. This is about planned care, not an emergency. Sources: Medicare.gov, HMO and PPO plan pages and Compare types of Medicare Advantage Plans; CMS, Coverage to Care.

10/08/2026

The monthly premium is one piece of a plan's yearly cost. This made-up example shows why it helps to add premiums, expected care and prescription costs, and then review the plan's medical out-of-pocket limit.

General Medicare education. Costs, coverage and eligibility vary by plan and situation. Childs Insurance Agency is not connected with or endorsed by the U.S. government or the federal Medicare program.

Sources: Medicare.gov; CMS

10/07/2026

For 2027, Part D’s annual out-of-pocket limit is $2,400 for covered Part D drugs. Medical care and premiums follow separate rules. Compare both drug and medical costs during AEP. The hospital example is hypothetical.

You can compare 2027 plans now. Fall Open Enrollment runs October 15–December 7, 2026.

General Medicare education. Costs, coverage and eligibility vary by plan and situation. Childs Insurance Agency is not connected with or endorsed by the U.S. government or the federal Medicare program.

Sources: Medicare.gov; CMS

A Medicare Summary Notice can show a dollar amount without asking you to send a payment. I'd use it to check the provide...
10/06/2026

A Medicare Summary Notice can show a dollar amount without asking you to send a payment. I'd use it to check the provider's bill, including what Medicare paid, whether other insurance processed the claim, and anything you already paid. These cards walk through a made-up $40 example and the questions to ask. A Medicare premium bill is different and needs attention to its due date. This is about Original Medicare notices. Medicare Advantage members should check claim statements with their plan. Source: Medicare.gov, Medicare Summary Notice.

10/05/2026

A plan choice during fall AEP takes effect January 1, 2027. Compare starting October 1; enroll October 15–December 7. Check the effective date before using a new card. Linda is a hypothetical example. Other enrollment periods can have different start dates.

General Medicare education. Costs, coverage and eligibility vary by plan and situation. Childs Insurance Agency is not connected with or endorsed by the U.S. government or the federal Medicare program.

Sources: Medicare.gov; CMS

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Mesa, AZ

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Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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+14802965804

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