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More about Arthur
My name is Art, and I am 55 years of age. I’m originally from California but moved to Massachusetts when I was 9 years old and saw snow up close for the first time! I’ve been married to my wife for 15 years, enjoying our life together with our 12-year-old son and 8-year-old daughter. We love the water and people. I’ve spent many years in the corporate world as an insurance product specialist and now as a licensed insurance agent specializing in Medicare. Before working in insurance, I was a technical and forecast analyst and a general manager in the hospitality industry.
Three words that describe me:
Simple, honest, and integrity
Favorite thing to do when not at work:
Be with my family
Favorite place to visit and why:
I love to go to Puerto Rico as my wife is from there and my children love the beaches and all the low-hanging fruit!
What I like most about helping people find the right Medicare plan:
It is very rewarding to hear someone say that they feel so much better and relieved once they are enrolled. They appreciate the fact that I helped them to understand their Medicare plan options and to find a plan that best fits their needs.
Favorite movie: Joseph with Ben Kinsley directed by Roger Young
Favorite author: Isaiah
Favorite musicians: King David, Paul Wilbur
Medicare articles by Arthur
Does Medicare cover penile implants?
A study published by the U.S. National Library of Medicine suggested that 67% of men age 65 and over had some level of erectile dysfunction (ED), and in nearly half (48%) the condition was severe. If your doctor has ruled out other treatments for ED such as... Read more
Does Medicare Cover an Echocardiogram?
Each day the average heart beats 100,000 times and pumps about 2,000 gallons of blood according to the American Heart Association. But this powerful vital organ is susceptible to disease. According to the Centers for Disease Control and Prevention, heart... Read more
Funeral Planning Guide
If you've recently experienced the loss of a loved one, funeral planning may feel overwhelming. Here's a funeral planning overview to help ease the burden during this difficult time. Funeral planning: getting started Knowing how to plan a funeral, or even... Read more
Does Medicare Cover Yoga?
What is yoga? Yoga is a mind and body practice that combines physical postures, breathing techniques, and meditation or relaxation, according to the National Institutes of Health (NIH). Many people practice yoga to maintain their health and well-being,... Read more
Back Pain Relief and Remedies
Back pain is common -- nearly everyone has it at some time in life, according to the National Institutes of Health (NIH). The possible causes for back pain are many and here are just a few examples: Tense muscles Stress Ruptured disks resulting... Read more
Does Medicare Cover Migraines?
What is a migraine? A migraine headache is a reoccurring attack of moderate to severe pain according to the U.S. National Library of Medicine (NLM). More than 1 in 10 Americans get migraines and women are more than three times more likely to get migraines... Read more
What is a Medicare Part D Preferred Pharmacy?
You can enroll in a Medicare plan that offers Part D prescription drug benefits in order to receive prescription drug coverage. There are two types of plans offered by Medicare-approved private insurance companies that provide Medicare Part D prescription... Read more
Guide to Cancer Diagnosis: What to do Next
If you’ve just received a cancer diagnosis, you’re not alone. According to the National Cancer Institute (NIH), in 2016 an estimated 1.7 million new cases of cancer were diagnosed in the United States. More than 1/3 of men and women will receive a cancer... Read more
Does Medicare Cover an Advice Nurse
As a Medicare enrollee, you may have access to an advice nurse, depending on the type of plan you choose. Here's what you need to know about Medicare and advice nurse services. What is an advice nurse? According to the U.S. Library of Medicine,... Read more
Should I go to an Urgent Care Clinic or the Emergency Room?
Should I go to an Urgent Care Clinic or the Emergency Room? Emergency room or urgent care? Choosing the best place to go when you have a sudden illness or injury "after hours" -- when your doctor’s practice is closed -- can be challenging. Do you go to... Read more
Does Medicare Cover Nail Fungus?
If you have nail fungus, you’re not alone. According to the Mayo Clinic, nail fungus is common, especially in older adults. Nail fungus results in nails that are thickened, discolored, brittle and ragged, and slightly foul smelling. Nail fungus can affect... Read more
Does Medicare Cover Chronic Granulomatous Disease?
Chronic granulomatous disease is a rare genetic disorder that affects roughly one in 200,000 to 250,000 individuals worldwide, according to data published in the U.S. National Library of Medicine Genetics Home Reference. If you are enrolled in Medicare and... Read more
What is the Lung Cancer Survival Rate?
Statistics from the American Cancer Society suggest that lung cancer is the second most common type of cancer in both men and women, after skin cancer. If you or someone you love has been diagnosed with lung cancer, it's natural to have a lot of questions... Read more
Does Medicare Cover Hair Loss Treatment
Generally, Medicare does not cover treatment for hair loss (also called alopecia) unless the treatment is medically necessary to treat a disease that has caused the baldness. Hair loss can result from many causes. According to the American Academy of... Read more
Does Medicare Cover Chronic Diseases?
Chances are high that you know someone with a chronic disease—or may have one yourself. Persistent, long-term conditions like diabetes, hypertension, and heart disease often require ongoing treatment and leave a significant impact on people's everyday... Read more
Medicare Supplement Insurance for Those Under 65 in Florida
Are you under 65 with a disability and looking for help with Original Medicare out-of-pocket costs? A Medicare Supplement (also known as Medigap) plan might help with some of these costs, like copayments and deductibles. Some Medicare Supplement plans might... Read more
What is the Prostate Cancer Survival Rate?
If you've been diagnosed with prostate cancer, it's natural to have questions about the disease, treatments, and especially the prostate cancer survival rate. Although it's always best to talk to your health care provider about your specific concerns, the... Read more
Does Medicare Cover Oxycontin?
What is OxyContin? OxyContin (generic name: oxycodone), is a medication that may be prescribed to relieve moderate to severe pain, such as after an injury or surgical procedure, reports the National Institutes of Health (NIH). OxyContin belongs to a class of... Read more
How Can I Watch for Signs of Elder Abuse?
As people age and become more physically and mentally vulnerable, they may become victims of elder abuse. According to the National Council on Aging (NCOA) about one in 10 Americans over age 60 have experienced some form of elder abuse. According to the U.S.... Read more
How to Prevent a Broken Hip for the Elderly
According to the Mayo Clinic, a broken hip, also called a hip fracture, can reduce your independence and sometimes even shorten your life. The first step in preventing a broken hip is understanding that you are at risk. Older women should in particular be on... Read more
The Welcome to Medicare Visit
If you are new to Medicare, you are entitled to one "Welcome to Medicare" visit within the first 12 months of enrolling in Medicare Part B. This welcome to Medicare exam, also called an initial preventive physical examination, is an opportunity for you and... Read more
Could You Lose Your Medicare Coverage If You Recover from End-Stage Renal Disease?
Medicare coverage may be available to people with end-stage renal disease even before they reach their 65th birthday. But what happens if you recover? Do you lose your Medicare coverage? According to the Centers for Medicare and Medicaid Services... Read more
Does Medicare Cover Exercise Programs?
Original Medicare, Part A and Part B, doesn't generally cover gym memberships or exercise programs. However, there are a few exceptions, and you may also be able to get coverage through a Medicare Advantage plan or Medicare Supplement plan. Medicare coverage... Read more
How Has Cancer Treatment Improved with Technology?
Most likely, you or someone you know has been affected by cancer. According to the National Cancer Institute, nearly 40% of American adults will experience a cancer diagnosis at some point in their lives. In 2016 alone, over 1.6 million people in the U.S.... Read more
Tips for Lowering Your Out-of-Pocket Drug Costs
The first way to lower your out-of-pocket prescription drug costs may be to get a Medicare prescription drug plan. If you don’t have a prescription drug plan you may be paying 100% of your prescription drug costs out-of-pocket, as Medicare Part A and Part B... Read more
Safe Driving for Seniors
Does your family talk with you about safe driving for seniors? If you're an older adult, driving may feel like an important part of retaining your independence. However, if you're proactive about continually improving your driving skills and mindful of things... Read more
Under 65 with Pre-existing Condition: What are your Medicare coverage options
What is pre-existing condition? According to the U.S. Department of Health & Human Services, a pre-existing condition is a health problem you had before the date that your new health coverage starts. Many conditions might be considered a pre-existing... Read more
What’s the difference between Medicare Supplement plans and Medigap plans?
If you're wondering "What's the difference between Medicare Supplement and Medigap? Is a Medigap policy the same thing as a Medicare Supplement plan? What do these plans offer me in coverage?" then here is some information for you. Medicare Supplement plans... Read more
Medicare Coverage of Substance Abuse
According to the Substance Abuse and Mental Health Services Administration (SAMHSA), about 21.7 million people, or 8.1% of the population, needed substance abuse treatment in 2015. If you or someone you love is a Medicare beneficiary and needs substance... Read more
Under 65 with ESRD: What are your Medicare coverage options?
Do you have end-stage renal disease (ESRD)? That's kidney failure where you need regular dialysis or a kidney transplant. Did you know you might qualify for Medicare, even if you're younger than 65? You might have a few different Medicare plan options if you... Read more
Medicare Late-Enrollment Penalties
Certain parts of Medicare may have late-enrollment penalties if you don’t sign up when you’re first eligible. These Medicare late-enrollment penalties may apply if you delay enrollment for Medicare Part A, Part B, and/or Part D. Usually, you’re... Read more
Medicare Part D Deductible
Do I need a Medicare Part D plan? If you have Original Medicare (Part A and Part B) and want prescription drug coverage for prescription drugs you take at home, you will likely have to enroll in a separate prescription drug plan. Original Medicare generally... Read more
Are Medicare Advantage Plans Being Phased Out?
If you're currently enrolled in a Medicare Advantage plan, you may have heard that these plans may no longer be offered. Since it can be difficult to parse fact from fiction, here's an overview on the future of Medicare Advantage – and what to do if your... Read more
Dental Hygiene for Seniors
According to the Centers for Disease Control and Prevention (CDC), water fluoridation and fluoride in toothpaste have recently led to people keeping their natural teeth over their entire lifetime. However, as you get older, you may have to take extra care to... Read more
What are the benefits of Medicare Advantage over Original Medicare?
According to the Center for Medicare and Medicaid Services (CMS), as of 2017, roughly a third of all Medicare beneficiaries are enrolled in a Medicare Advantage plan, a 60% increase over enrollment in 2010. Although the debate over the pros and cons... Read more
How Medicare Works: A Quick Guide
How Does Original Medicare Work? Medicare is the federal health insurance program for United States citizens or legal residents of at least five years in a row who qualify for the program. That includes people who are 65 or older and those younger than 65... Read more
What Medicare Plans Does Blue Cross Blue Shield of Nebraska Offer?
Are you a Nebraska beneficiary interested in exploring your Medicare coverage options? Blue Cross Blue Shield Nebraska offers Medicare Advantage plans, Medicare Part D Prescription Drug Plans, and Medicare Supplement (Medigap) plans in the state of Nebraska.... Read more
Can I use my Medicare Supplement to pay my Medicare Part B premium?
The simple answer is no - you cannot use a Medicare Supplement (Medigap) plan to pay your Medicare Part B premium. Medicare Supplement plans are offered by private insurance companies to pay some of the out-of-pocket costs not covered by Medicare Part A... Read more
Does Medicare Cover Mental Health?
According to the National Alliance on Mental Illness (NAMI) about one in five adults, or around 20%, experience mental illness in a given year. Mental health diagnoses include schizophrenia, bipolar disorder, major depression, and anxiety disorders such as... Read more
Does Medicare Cover Oxygen Equipment?
If your doctor believes that home oxygen therapy is medically necessary to treat your condition and you are enrolled in Original Medicare (Part A and Part B), Medicare generally covers 80% of the allowable charges after you've met your Part B deductible.... Read more
Will my Medicare Supplement (Medigap) plan cover my spouse?
As a Medicare beneficiary, you can't add a spouse to your Medicare benefits or Medicare Supplement plan. Medicare benefits are only for eligible individuals. Medicare Supplement (also known as Medigap) plans are offered by private insurance companies and... Read more
Medicare and Darvocet-N 100
Darvocet-N is a strong opioid prescription pain medication, according to the FDA. Do you take the prescription medication Darvocet-N 100 or the generic equivalent, propoxyphene napsylate and acetaminophen, and wonder whether Medicare covers your prescription?... Read more
Depression Screenings and Medicare
One of the preventive care services covered by Medicare is an annual depression screening. According to the Centers for Medicaid and Medicare Services (CMS), one in six people over the age of 65 suffers from depression. As a Medicare beneficiary, remember... Read more
Alzheimer’s Disease – Dementia and Medicare Coverage
Alzheimer's disease is the most common form of dementia, involving the parts of the brain that control thought, memory, and language, according to the Centers for Disease Control and Prevention (CDC). If you've come across this article, you may be... Read more
What Medicare Plans Does Blue Cross Blue Shield of Arizona Offer?
If you live in Arizona and would like to learn about the different options you have for your Medicare coverage, you may want to read this article to learn what Blue Cross Blue Shield of Arizona (BCBSAZ) and Blue Cross Blue Shield of Arizona Advantage may have... Read more
Does Medicare Cover Proventil?
Doctors might prescribe Proventil or the generic equivalent, albuterol, to treat wheezing, difficulty breathing, tightness in the chest, or certain other symptoms, according to the National Institutes of Health (NIH) National Library of Medicine. Original... Read more
Does Medicare Cover Lanoxin?
If your doctor prescribes treatment with Lanoxin, Medicare generally will not cover your medication, unless you are enrolled in stand-alone Medicare Part D prescription drug coverage or a Medicare Advantage Prescription Drug plan. Here's what you should know... Read more
What Is Post-Traumatic Stress Disorder?
While Post-Traumatic Stress Disorder (PTSD) is something usually associated with military veterans, it can develop in anyone who experiences a shocking or dangerous event, according to the U.S. Department of Veterans Affairs (VA). In fact, according to the... Read more
What are Medicare Part D-IRMAA and Part B-IRMAA?
If you're covered by the Medicare program or about to be eligible for Medicare benefits, you may have heard about the Income-Related Monthly Adjustment Amount, or IRMAA. These new premium adjustments were created under the Affordable Care Act and first went... Read more
What are Medicare 5-Star Plans?
Did you know that the government rates Medicare Advantage and Medicare Prescription Drug Plans? Based on patient feedback, doctor feedback, and other criteria, Medicare assigns one through five stars (unless a plan gets consistently poor ratings, which may... Read more
Can I Apply for Medicare Online?
If you are approaching Medicare eligibility, you may have questions about how to sign up to receive your benefits. Fortunately, you have more convenient options than making an appointment with a representative and driving to your local Social Security... Read more
Does Medicare Cover Diabetes Screening?
According to Centers for Disease Control and Prevention (CDC) statistics, the rate of new diabetes diagnoses has increased by over 100% in the last three decades. The good news is that the rate has started to dip slightly since 2008. The CDC says the slight... Read more
Managing Caregiver Stress
According to the Centers for Disease Control and Prevention (CDC), more than 34 million people in the United States are unpaid caregivers to adults who are ill or have a disability. Over half of these caregivers believe their own health has suffered as a... Read more
Caring for Adults with Cognitive and Memory Impairment
Caring for a loved one can be challenging under the best of circumstances, but caring for someone with cognitive impairment can be especially challenging. People with cognitive impairment may have certain conditions or injuries that have affected their... Read more
Does Medicare Cover Implantable Defibrillators?
If you have certain heart conditions, your doctor may recommend you have an implantable cardiac defibrillator, or ICD. Your Original Medicare (Part A and Part B) may cover an implantable defibrillator if your doctor believes it is medically necessary to... Read more
Kidney Stones: Symptoms and Causes
According to the National Institute of Health (NIH), about 11% of men and 6% of women in the United States will get kidney stones during their lifetimes. The pain or bleeding associated with this fairly common condition sends many people to emergency rooms... Read more
What is Physical Therapy for Seniors?
A licensed medical professional, called a physical therapist, uses non-invasive and drug-free techniques to treat patients with a variety of different medical conditions, according to the American Physical Therapy Association. Doctors may prescribe physical... Read more
Logging In to MyMedicare.gov
As a Medicare beneficiary, you are welcome to use MyMedicare.gov to do such tasks as: Track your personal health information View and print a list of your current prescription medications Take advantage of the Blue Button's useful features... Read more
Caring for Elderly Parents
When a parent reaches the point where living alone is no longer a safe option, one out of a group of siblings might step up to become the caregiver for aging parents. If that's your role in the family, you may have questions and concerns about what to... Read more
Does Medicare Cover Sleep Studies?
If you have sleep-related disorders such as sleep apnea or daytime tiredness, your doctor may recommend a sleep study to diagnose your condition. If you are enrolled in Original Medicare (Part A and Part B) and have clinical signs of obstructive sleep... Read more
Does Medicare Cover Ostomy Supplies?
An ostomy is a surgical procedure that creates an opening (stoma) to the outside of the body from an organ or system inside the body, according to the National Institutes of Health (NIH). These openings may be temporary or permanent, depending on your... Read more
What is an Annual Notice of Change?
If you're currently enrolled in a Medicare Advantage plan, your plan will send you a "Plan Annual Notice of Change" (ANOC) each fall. The Annual Notice of Change is a booklet that explains any changes in your plan’s benefit coverage, costs, or service area... Read more
Does Medicare Cover Contact Lenses?
In very specific circumstances, Original Medicare's Part B will cover some costs associated with contact lenses. Routine vision care, including prescription eyewear and contact lenses, is not covered. Original Medicare (Part A and B) typically limits... Read more
Does Medicare Cover Anesthesia?
If you receive anesthetics for a covered medical procedure, whether as an inpatient at a hospital or as an outpatient at an ambulatory surgical center, Original Medicare (Part A and Part B) may cover these services. To qualify for Medicare coverage,... Read more
Dental Care for Patients with Dementia
Maintaining good dental hygiene for people with dementia can be difficult, but it's important to make it a part of your daily care routine. According to the Alzheimer's Association, prevention will be the goal of dental care in the early stages of dementia... Read more
What Is Hepatitis C?
You might have heard of hepatitis, but what is hepatitis C (sometimes called "hep C")? What is hepatitis C? Some quick facts Hepatitis C is a virus that affects the liver. The Centers for Disease Control (CDC) estimates that 2.7 to 3.9 million people in the... Read more
Do Coventry Medicare Plans Cover Routine Vision?
Medicare vision coverage under Original Medicare (Part A and Part B) is generally limited to only medically necessary treatment for injuries, diseases, and conditions that affect the health and integrity of the eye, such as cataract surgery. For most routine... Read more
How Can I Find Healthcare Providers Who Accept Medicare Advantage Plans Offered by Humana?
Some Medicare Advantage plans available from Humana require you to use providers in the Humana plan's network to access your plan benefits and minimize your out-of-pocket costs. Here's how to find Humana providers in your area. Why do I need to use... Read more
Do Medicare Advantage Plans Offered by Humana Cover Routine Dental Services?
If you are enrolled in Original Medicare (Part A and Part B), you may already know that it doesn't cover routine dental care. However, if you choose to get your Medicare benefits through a Medicare Advantage plan offered by Humana, you may be able to get... Read more
What Types of Medicare Part D Coverage Does Aetna Offer?
What is Aetna Medicare Part D? Congress authorized Medicare Part D Prescription Drug Plans under the Medicare Prescription Drug, Improvement, and Modernization Act of 2003, making Medicare prescription drug coverage available to beneficiaries for the first... Read more
Medicare Premiums and Deductibles for 2018
As a Medicare beneficiary, you may need to pay certain out-of-pocket costs, such as premiums, deductibles, copayments and/or coinsurance. These costs are generally standardized for covered services under Original Medicare, Part A and Part B. If you’re... Read more
Medicare Cost Plans: Eligibility, Coverage, and Costs
Medicare Cost plans are private Medicare health plans that are only available in certain parts of the country. Plan members who use in-network providers will have lower costs and the most coverage, but there's also an option to use out-of-network providers... Read more
Does Medicare Cover Lift Chairs?
Medicare may cover the seat-lift mechanism of your lift chair if you meet certain conditions. Learn how Medicare coverage of lift chairs works. What is a lift chair? A “lift chair,” also known as a seat lift chair, refers to a chair with a motorized... Read more
Does Medicare Cover Urology?
Are you wondering what urology is and whether urologic services are covered by Medicare? By definition, urology involves conditions of the urinary and male reproductive systems. If you're a Medicare beneficiary with a urologic condition and need to see a... Read more
Does Medicare Cover Voltaren?
If you have Medicare prescription drug coverage, your Medicare plan might cover Voltaren (also known by its generic name, diclofenac). What is Voltaren? According to the Food and Drug Administration (FDA), Voltaren is a nonsteroidal anti-inflammatory... Read more
Medicare Plan Options for People with Low Incomes
Medigap plans, also called Medicare Supplement plans, can be helpful for people with lower incomes, as some Medigap plans cover many of the expenses that Original Medicare, Part A and Part B, does not cover. Such expenses can include copayments, coinsurance,... Read more
Does Medicare Cover Acupuncture?
Are you interested in acupuncture as a complementary health treatment? Studies suggest it may help with pain and various health conditions, though we are only beginning to understand how acupuncture affects the body. Original Medicare, Part A and Part B,... Read more
Does Medicare Cover Zoloft?
Doctors sometimes prescribe Zoloft to treat symptoms like anxiety and depression. A Medicare Part D Prescription Drug Plan might cover Zoloft. What is Zoloft? Zoloft is a prescription drug classified as an antidepressant. The Zoloft generic equivalent is... Read more
Does Medicare Cover Percocet?
What is Percocet? Percocet (generic name acetaminophen and oxycodone) is a prescription pain reliever. One ingredient in Percocet, acetaminophen, is an active ingredient in many over-the-counter medicines according to the Food and Drug Administration (FDA).... Read more
Does Medicare Cover Exelon?
Generally, Medicare doesn't cover prescription drugs like Exelon (generic name: rivastigmine), unless you are enrolled in a Medicare plan that includes coverage for prescription drugs. According to the National Institutes of Health's Medline Plus website,... Read more
Does Medicare Cover Ambien?
What is Ambien? Ambien is a prescription drug. The generic form of this medication is zolpidem. What is Ambien used for? Ambien is a prescription medication that is sometimes used to treat insomnia, according to the National Institutes of Health's... Read more
Medicare Copayments, Coinsurance, and Annual Deductibles Explained
While the Medicare program provides health-care coverage, it does not exempt you from all out-of-pocket costs. There are instances where you are responsible for paying for a share of your health coverage. Whether you’re talking about Original Medicare, Part... Read more
Medicare in Nebraska
Nebraska residents have two main choices when deciding how to receive their Medicare benefits. You may opt for the federal arm of the program, called Original Medicare, Part A and Part B, or you may choose to enroll in a Medicare Advantage (Medicare Part C)... Read more
Medicare in North Dakota
Before you enroll in a Medicare plan in North Dakota, it is recommended that you consider all available options. As such, Medicare.com offers the use of our plan comparison tool for specific plan data and pricing. About Medicare in North Dakota Medicare is... Read more
Medicare in Rhode Island
When you’re choosing a Medicare plan in Rhode Island, you may want to consider all of the options. Let Medicare.com be your resource for coverage facts while offering the use of our plan comparison tool to examine Medicare pricing options and plan... Read more
Medicare in Vermont
Medicare beneficiaries in Vermont may have many options when it comes to Medicare. Whether you get your coverage through Original Medicare or a Medicare Advantage plan, it’s important to consider all of your choices carefully so that you find coverage that... Read more
Medicare Advantage vs. Medicare Supplement: How to Choose
After enrolling in the Medicare program, beneficiaries must decide how they want to receive their Original Medicare, Part A and Part B, benefits and whether they need additional coverage. This means that they will have to decide if a Medicare Advantage plan... Read more
Customer reviews of Arthur
Very informative, detailed and patient
Anonymous, Cincinnati, OH
polite, courteous, responsive
Anonymous, Mechanicsville, VA
Very courteous & helpful.
Anonymous, Granbury, TX
I stopped Arthur before he gave me more information because I wanted to peruse the different choices I have. He was very knowledgeable.
Female, 72, Laveen, AZ
Person was knowledgeable and helpful
Female, 64, Wichita, KS
Get Medicare Help from Arthur Fitzwater
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