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Ryan Raphael a.k.a. The Medicare Man is here to discuss hospital visits and how they affect you when you are on Medicare. As we get older it becomes more likely we will visit the hospital. Here are a few things you should know before you go.

Hospital Visits

Hopefully, you never need to be in the hospital, but it is most likely inevitable. How the hospital “codes” your stay can have a big impact on what you have to pay. Ryan Raphael says the difference between “inpatient” and “outpatient” stay can have a huge impact on your bill.


Most of us expect our stay in the hospital to be considered “inpatient” care, but this is not always the case. Recently, new regulations require the hospital to tell you if you are inpatient or outpatient, but only if you ask.

Medicare Man STL Logo


The hospital is required to tell you if they are putting you under “observation”. If this is the case then you are considered an outpatient. If you do not stay in the hospital for 3 days, any treatment afterwards will not be covered.

To avoid extra expense Ryan recommends looking into insurance products that can fit your needs. Most of us would want to be able to recover at home, but Medicare may not cover such treatment. There are products out there, such as Home Healthcare Insurance, that can provide you with this treatment without the need for major out-of-pocket expense.

Source:(The Doug Haldeman Show)



Ryan Raphael a.k.a. “The Medicare Man”, is our Medicare insurance expert and trusted adviser on all things Medicare. We have him on to explain what Medicare supplemental insurance is and to also clear up some confusion we had on the enrollment periods.

Medicare Supplement

Original Medicare only covers 80% of your healthcare cost, but what about the other 20%? Now, 20% may not seem like much at first, but it could end up being a really big number. As Ryan said, “Twenty percent of what?”. What he means by that, is there is no limit to the amount you could have to pay out of pocket. It could be 20% of $100 or 20% of $100,000 or 20% of $1,000,000.

To fill in that gap you may  consider getting a Medicare Supplement (Medigap) policy.


Medicare Advantage Plan

Ryan says the other option is to have a Medicare Advantage Plan, which is a type of Medicare health plan offered by a private company that contracts with Medicare. It provides you with all your Medicare A&B benefits, most include Medicare Part D,  as well as several other extra benefits such as vision,dental, and gym membership at no extra cost.

It can be difficult to decide between all the options you or your loved one have and that is why we highly recommend speaking with a professional like Ryan. Reach out to him at (314) 368-6808.

Medicare Insurance St Louis


Enrollment Periods

Below is a guide for the enrollment periods for Medicare.


Now, those periods are relatively self explanatory. But, what if you want to get a Medicare supplement plan?

It’s actually not too complicated, very simply put you can enroll in a Medicare Supplement whenever you would like. You can also switch companies whenever you would like. However, in these scenarios remember that your application may have to be underwritten by the insurance company.

There are several scenarios where a person might be able to change their Medicare Advantage Plan outside of the Annual Enrollment Period as well. Call Ryan to find out if it is right for you at (314) 368-6808.

In Missouri there is a law that allows individuals to change companies around the anniversary of there policy renewal. So, from 30 days before to 30 days after their policy renewal, anyone can change insurance companies regardless of health.

You may consider this if you had a rate increase or other such event that may have a financial benefit for you switching.

To get the full details and to speak with Ryan Raphael directly about what your options might be call him at (314) 368-6808


Be Sure to Listen to the Audio!


Ryan Raphael Show CardWe are pleased to introduce Ryan Raphael, The Medicare Man, from Senior Insurance Benefits as a new expert on our show. Ryan is the owner/broker of Senior Insurance Benefits and has been dedicated to helping seniors with their insurance needs since 2003.

Navigating the maze that is Medicare can be a very confusing process. That’s why we asked Ryan to join us so he can educate you on the ins and outs of Medicare coverage and insurance.


What is Medicare?

Medicare is a federal health insurance program for people age 65 or older and some younger people with disabilities. In 2015, Medicare provided health insurance for over 55 million people. On average, Medicare covers about half of the health care charges for those enrolled. People must then cover the costs either with supplemental insurance, separate insurance, or out-of-pocket.

Original Medicare is divided into 4 parts:

1) Part A (Hospital Insurance)

This covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.

2) Part B ( Medical Insurance)

B helps cover a portion of Medicare approved cost for outpatient medical services. This includes doctor visits, ambulance services, and some medical equipment and supplies to name a few.

3) Part C ( Medicare Advantage Plans)

A Medicare Advantage Plan is a type of Medicare health plan offered by a private company that contracts with Medicare to provide you with all your Part A and Part B benefits.

4) Part D ( Prescription Drug Coverage)

This is the prescription drug program that covers both brand name and generic drugs at participating pharmacies.


Figuring out which plan is right for you is a major part of what Ryan does, and he does free consultations so the advice is at no cost! Ryan says there are really only two choices for those looking enrolling in Medicare.

1) Original Medicare( Parts A and B), along with a Medicare supplement, and Part D drug plan.


2) A Medicare Advantage Plan


He says it’s really that easy, but there are some considerations to take when deciding. You’ll want answers to these questions:

  • What plans will my doctor accept and can I keep them?
  • How much does the plan cost?
  • Which plan provides the best coverage for my prescription drugs and what will they cost?
  • What plan addresses the special benefits important to me (gym membership, vision coverage, etc.)?
  • What plan will cover me while traveling?

To get answers to these questions or to schedule a time to meet with Ryan personally call him directly at (314) 368-6808.