We Need $1.7 Million to Retire??? Stop the Silliness!

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The Tax Bomb In Your Retirement Accounts: How The Roth IRA Can Help You Avoid It

Strategic Money Planning: 8 Easy Ways To Put Your House In Order

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Medicare What to do??? Which plan is best and How to know I am getting the best price on my Drugs.

So…as the story goes… we are at my mother-in-law’s house last night and she is complaining that some pill she needs costs $500 each.  I remembered your article in the Scottsdale Airpark News, found it, downloaded the GoodRx app, and found the generic brand at Safeway for $50 for 10 pills.  She was so so happy and I made sure to give you all the credit (not her ex-son-in-law the pharmacist).


So for this week in our family You Da Man!”





“Wow, Paul.


What a wonderful piece of advice you gave me. Not only was I billed $1,375 for anesthesia, they hadn’t gotten around to billing me the same amount for the nurses. I called the provider as you suggested and explained the situation as you recommended and my total payment on both invoices, paid immediately with credit card before they changed their mind, was $194.24. I’m in total shock to say the least!


Thank you so very much for sharing your experience and wisdom with me!”





What to do!

Use the GoodRx app on all your pharmacy purchases.  The lowest prices can often be lower than the co-pay on your medical plan.  They also are excellent for those with Health Savings Accounts.  

Ask for the In-Network Discount for out-of-network providers.  Often these can be from out-of-network emergency room doctors and anesthesia doctors who work in the in-network hospital.  Negotiate your own deal and pay in full at the provider or to the collection agency and obtain significance reductions.

Use the Member Service lines at the health insurance companies to ask for advice.  They will know the rules and regulations about balance billing, notifications, etc.

Find an experience health insurance agent who will be able to help evaluate your problems and the alternatives for solving it.

Join iEverydayCARE for just $105/month from our friends at RedirectHealth.com or arrange for a Redirect Health employer plan for your business.  They are experts at determining the right health coverage at a fair price.

Join one of the Cost Sharing plans for individuals and families or the Sedera Health Cost Sharing for businesses.  They will negotiate on your behalf.



I am now partnering with leading local health insurance and employee benefits experts.  Please reach out to me at 602 692-6832 or [email protected] for an initial conversation, evaluation, or referral.  

Paul Breslau, Registered Health Underwriter (RHU), Registered Employee Benefit Consultant (REBC), Chartered Life Underwriter (CLU), Chartered Financial Consultant (ChFC), Chartered Advisor for Senior Living (CASL), is President of Breslau Insurance & Benefits Inc. Contact: 602-692-6832; www.HRaz.com; [email protected].


Medicare Explained (2019)

Medicare Explained; the best video to explain Medicare covers what you need to know about Medicare Part A, Medicare Part B and the choices you have to make once you start Medicare. Medicare explained, Medicare Made Clear, Understanding Medicare. No matter how we word it, understanding Medicare is not always as easy as it looks.

Matthew Claassen is an independent Medicare insurance broker licensed in 47-states.

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In this video I am going help you learn about Medicare explained in an easy to understand format. By the end of this video Medicare will be made clear for you. You will understand how Medicare works. You will understand Medicare Part A & Medicare Part B and the choices you have to make once you sign up for Medicare.
Once you sign up for Medicare you will have to choose from one of three options. We will go over each of those three options and pros and cons you should consider before you make a decision.

Once you understand the Medicare basics of Part A and Medicare Part B, you will be faced with choosing one of three paths to take with your Medicare. This will be the most important Medicare decision you have to make because it could set you on a course that will impact the quality of your medical care and can potentially be irreversible.
To keep this video brief, I have a separate video that covers how, when and where to sign up for Medicare Parts A & Medicare Part B. I have it linked in the upper right of this video, you’ll see a white circle with a letter “i”. You can click on that at any time to go to the video on how to sign up for Medicare.

With terminology out of the way, next in the Medicare Explained video is Medicare Part A & Medicare Part B.
Medicare Part A is that portion of your health insurance that pays for your healthcare whenever you are an inpatient in a medical facility. As soon as you become an inpatient in a hospital, Medicare Part A takes over. The same when you become an inpatient in a skilled nursing facility or hospice. The one exception is that if you are not able to physically get to a medical facility for healthcare, Medicare Part A also pays for home healthcare.
Think of Medicare Part A is inpatient insurance.

Medicare Part B is the part of Medicare that pays for outpatient and physician services.
This is the portion Medicare insurance you use when you see a doctor or have lab tests or physical therapy and so on. Medicare Part B also includes some wellness coverage.
Medicare Part B is the part of Medicare people use most often because most of our medical care is via outpatient services. Even many surgeries and hospital services are now done as an outpatient and are thus covered under Medicare Part B.

Your Original Medicare (Part A & B) is good anywhere in the country. You can see any doctor, go to any medical facility in any state or territory, as long as they accept Medicare. You do not need to get permission from a primary care physician. You have both freedom to go where you need and control to see who you choose.

Also it is important to understand that Medicare Advantage Plans are local coverage. If you are a snowbird, and RVer or just travel the country that should rule MAPD as an option.

Next in our Medicare Explained video are your three choices.
You can do one of three things:
# 1 Do nothing. Just keep Original Medicare (Your Part A & B). This is the only choice that makes understanding those co-pays and deductibles very important. This is not an advisable choice because Original Medicare was never intended to be stand-alone health insurance. You will find when going over the details of the copays and the limits of the coverage that there is no maximum out-of-pocket limit on your potential financial obligation. You are at substantial financial risk.
Still, this is a choice some people make.
# 2 You can trade in your Medicare Part A and Medicare Part B for a Medicare Advantage Plan. Medicare Advantage plans are also called Medicare Part C.

#3 Your third choice is to keep you Original Medicare Parts A & B, but add a Medicare supplement plan that pays the co-pays and deductibles that come with just Original Medicare, so you don’t have to.

Get your Medicare Guide to supplements here: …
And your Medicare & You Guide here: …

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