Toyia Arvin Insurance

08/22/2025

Just a reminder to follow me on Arvin Insurance as we’ve consolidated our FB’s pages!!

August newsletter is out - September coming soon!!

https://www.facebook.com/share/p/1Qdy4We4NM/?mibextid=wwXIfr

07/25/2025

Eek! Things are starting to come together!! The hubby and I are going to consolidate to one page. Please follow us here: https://www.facebook.com/profile.php?id=61561726064573

Thank you for your support so far!

Minnesota licensed Medicare and health insurance brokers to assist with all of your healthcare needs. Please feel free to contact us with any questions or concerns. Thank you for checking out our page!

04/11/2025

Picture of our baby for National Pet Day😉. He’s the best!

03/01/2025

Thanks for hanging with me! I got a bit lazy when things were auto posting for me😁

Still doing insurance, just took a step back to begin work with a local company. Much better fit for support! I’ll start posting more soon. Feel free to reach out with questions in the meantime😁

01/05/2025

Happy New Year! Hope everyone enjoyed their holidays with family and friends. Cheers to 2025!

12/09/2024

The most crucial difference is that home health care can be covered by Medicare, whereas long-term care services in nursing homes are not. For a long-term nursing home, care is typically defined as non-medical custodial, which is not covered by Medicare.

Original Medicare Part A (Hospital Insurance) and/or Medicare Part B (Medical Insurance) cover eligible home health services like these:

- Part-time or "intermittent" skilled nursing care
- Physical therapy
- Occupational therapy
- Speech-language pathology services
- Medical social services

Original Medicare doesn't pay for:

- 24-hour-a-day care at home
- Meals delivered to your home
- Homemaker services (like shopping, cleaning, and laundry), when this is the only care you need
- Custodial or personal care (like bathing, dressing, or using the bathroom), when this is the only care you need.

The exact benefits and copays, coinsurance, and deductibles you are responsible for vary depending on whether you are enrolled in Original Medicare, Medicare Advantage, or a Medicare Supplement.

12/07/2024

Most people qualify for premium-free Part A: This covers inpatient hospital care, skilled nursing facility care, hospice care, and some home healthcare. If you or your spouse have paid Medicare payroll taxes for at least 10 years while working, you generally won't pay a premium for Part A. If you haven't met the work requirement, you can still purchase Part A, but it will have a significant monthly premium.

There are Medicare Advantage plans available that have premiums that are $0. However, it is important to know that it does not mean that all of your care is free. You may not have a plan premium to pay, but you will still have to pay your Medicare Part B premium. Additionally, $0 premium plans typically have higher out-of-pocket costs than other Medicare Advantage plans with higher premiums. You will also have fewer if any supplemental benefits like dental, vision, hearing, transportation, and the variety of other supplemental benefits you see on higher-priced plans. Talk to your independent Medicare agent, and they can help you make the right choice given your unique situation.

12/05/2024

In almost all cases, if you are enrolled in a Medicare Advantage plan, you will not have to worry about submitting bills to Medicare. However, if you are enrolled in Original Medicare or Medicare and a Medicare Supplement, there can be times you need to file a claim for Medicare reimbursement. If you do, these are the steps you will need to take:

1. Complete a Medicare form 1490s, “Patient’s Request for Medical Payment.”
2. Include an itemized bill from the provider with the following information: the date and place of service, a description and charge for each service, your diagnosis, and the name and address of the doctor who provided the service.
3. Send the form and the itemized bill to your local Medicare contractor. You can find the appropriate local contractor here on the Centers for Medicare and Medicaid Services website.

You will need to submit your information within one calendar year of receiving care for it to be considered for payment. For any questions about the form or who is the correct local Medicare contractor, you can call 800-MEDICARE for assistance.

12/03/2024

Do Medicare Advantage payments count towards my "out-of-pocket" maximum?

Your out-of-pocket costs will be limited by your plan's Maximum Out-Of-Pocket (MOOP) limit for Medicare Advantage plans. If you are enrolled in a PPO, your plan will set two MOOPSs, one for in-network costs and another for a combination of in-network and out-of-network costs.

In 2023, the maximum allowable MOOP for Medicare Advantage Plans is $8,850, but plans can set lower limits if they choose.

So what things contribute to reaching your MOOP?

Your out-of-pocket costs in the form of copays, coinsurance, and deductibles contribute to meeting your MOOP. Once your MOOP is met, you will no longer have to pay any more out of pocket. It is essential to understand that only out-of-pocket costs for the medical side of your Medicare Advantage plan contribute to your MOOP. Part-D prescription drug costs are excluded, as are your plan premiums.

11/30/2024

HMO stands for Health Maintenance Organization and is a type of plan that requires you to see doctors in its network. If you see a doctor outside the network, you will be responsible for all of the costs. The only exception to this is medically necessary emergency or urgent care services. There is also a variation of HMO plans called HMO-POS, which stands for Health Maintenance Organization-Point of Service. These types of plans are similar to HMOs in that you are required to receive most services within the network. However, they have a bit more flexibility and allow you to go out of network for certain services or up to a certain dollar amount. Each plan works differently, so you will need to check to see what is covered out of network for your plan. PPO stands for Preferred Provider Organization and has the most flexibility in allowing you to see doctors out of network. PPO plans have two tiers, an in-network, and an out-of-network tier. If you see a doctor in-network, you will typically pay less out-of-pocket for those services. If you see a doctor out-of-network, you will typically have higher out-of-pocket costs, but the services are still covered.

11/27/2024

In some respects, yes. There are Medicare Advantage plans available that have premiums that are $0. However, it is important to know that it does not mean that all of your care is free. You may not have a plan premium to pay, but you will still have to pay your Medicare Part B premium. Additionally, $0 premium plans typically have higher out-of-pocket costs than other Medicare Advantage plans with higher premiums. Additionally, you will likely have few if any supplemental benefits like dental, vision, hearing, transportation, and the variety of other supplemental benefits you see on higher-priced plans. So is a $0 premium Medicare Advantage plan right for you? That depends on many factors, including your health status and financial situation. Talk to your independent Medicare agent, and they can help you make the right choice given your unique situation.

11/25/2024

As of January 1, 2020, Medicare Supplement plans that cover the Part B deductible are not allowed to be sold to those newly eligible for Medicare. As a result, Medicare Supplement Plans C and F are no longer available to those newly eligible for Medicare beginning January 1, 2020. If you are already enrolled in either of these two plans (or the high deductible version of Plan F), you'll be able to keep your plan. If you were eligible for Medicare before January 1, 2020, but not yet enrolled, you may be able to buy one of these plans. Even if you are eligible to enroll in a Plan F, It is essential to talk to your independent agent first as there are a few cost concerns to consider.