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When it comes to choosing a Medicare plan, the best way to evaluate your options and find the right coverage for your health, lifestyle, and budget is a no-cost, no-obligation Medicare Benefits Review with a licensed Medicare broker you can trust. At IntraCare Health Centers, we work closely with licensed brokers who help our patients review their coverage and understand what each plan truly offers. They can explain your Medicare options, compare benefits, and help you find a plan that fits your needs — clearly and simply. Don’t Miss Your Enrollment Window The Annual Enrollment Period runs from October 15 to December 7 each year. This is your chance to review your coverage, compare plans, or switch to one that better suits your needs. Call us: AZ: (480) 690-8265 | TX: (214) 389-3853 or fill this form to schedule your no-cost, no-obligation Medicare Benefits Review with a licensed Medicare broker today. Understanding Your Medicare Options When you turn 65, you have several Medicare plans to choose from: Original Medicare (Parts A and B): Hospital (Part A) and medical (Part B) coverage provided by the federal government. Note – these plans do not provide drug coverage, you will need to secure this outside of Original Medicare. Medicare Supplement (MediGap): If you choose to stay on Original Medicare or a Fee-for-Service plan offered by a private health plan, you’ll want to consider adding a private Medicare Supplement  plan to cover what Original Medicare and Fee-for-Service plans do not. Medicare Advantage (Part C): Offered by private insurers, these plans include all Part A and B benefits, mostly have Part D (drug coverage) built in, and often offer extras like dental, vision, hearing, transportation, or fitness programs. Prescription Drug Plans (Part D): Stand-alone coverage for medications if you stay with Original Medicare. What to Compare Before You Enroll To find the best Medicare plan for you, consider these key factors: Costs: Monthly premiums, deductibles, and annual out-of-pocket maximums Health Needs: Frequency of doctor visits, chronic conditions, upcoming surgeries or other care needed Provider Access: Are your doctors, hospitals in the plan’s network? Do they offer out-of-network and in-network coverage? How large is the network? Extra Benefits: Dental, vision, hearing, meal delivery, transportation, or fitness Prescription Drug Coverage: Are your medications included in the plan’s formulary and at what level? A Medicare Benefits Review helps you weigh these differences side-by-side — with professional guidance and zero pressure to enroll. Understanding Enrollment Periods Initial Enrollment Period: Starts 3 months before your 65th birthday and ends 3 months after. This is when you first sign up for Medicare. Annual Enrollment Period (October 15–December 7): Make changes, switch between plans, or move from Original Medicare to Medicare Advantage. Medicare Advantage Open Enrollment (January 1–March 31): Change from one Medicare Advantage plan to another or back to Original Medicare with a Medicare Supplement plan. Special Enrollment Periods: Available if you move, lose other coverage, or qualify for certain exceptions. Missing a deadline could lead to penalties or gaps in coverage, so it’s worth reviewing your options early, ideally with a trusted broker. Why a Medicare Benefits Review Matters Medicare isn’t one-size-fits-all. Your health, medications, and budget can change from year to year, and so can plan benefits. A licensed broker can help you: Understand what’s changing in your current plan Compare available options in your ZIP code Estimate total yearly costs (not just premiums) Ensure your doctors and prescriptions are covered Simplify paperwork and enrollment IntraCare Health Centers work only with licensed Medicare brokers we trust with our patients, so you can be confident of getting unbiased, professional guidance. Call us: AZ: (480) 690-8265 | TX: (214) 389-3853 or fill this form to schedule your no-cost, no-obligation Medicare Benefits Review with a licensed Medicare broker today. Frequently Asked Questions When is the best time to review my plan? Every year during the Annual Enrollment Period (October 15-December 7). Even if you like your plan, benefits or costs may change. What if I’m new to Medicare? You can enroll during your Initial Enrollment Period (around your 65th birthday). A licensed Medicare broker can help you understand your choices. Does Medicare Advantage always cost less? Not always, it depends upon the type of plan. PPOs generally cost more . What if I travel often? Original Medicare offers nationwide coverage. Some Medicare Advantage plans have limited provider networks, so check before traveling. Can I change plans later? Yes. You can switch plans during the Medicare Annual Enrollment Period or in certain Special Enrollment situations (like moving or losing coverage).

Thanksgiving is a time for gratitude, family and friends, and tables full of delicious food. Later, however, remorse often creeps in and some people turn to the latest diet fad. But there is a way to enjoy the holiday feast without all the guilt. Follow these simple swaps, practice mindful eating, and be sure to get some light movement after your meal to enjoy every bite and still feel good afterward. Celebrate the Season with Balance You can change your perspective by choosing to see the holiday as an opportunity to enjoy tradition, give thanks, and support your well-being, instead of eating until you can’t possibly eat another bite. Ways to Make Thanksgiving Dinner Healthier for Everyone One of the most helpful strategies is to keep the foods you love, but re-think how they’re prepared or portioned. That way you’re not missing out on tradition — you’re just making it easier on your body, which means you’ll feel lighter and be able to keep up your energy so you’re ready to take on dessert. 1- Turkey and Main Dishes The star of many Thanksgiving tables is the turkey — which is generally a lean protein without the skin. Lean poultry is naturally lower in saturated fat and trans fats than many red meats. Here are some ways to keep your turkey healthier: Choose to roast or grill your turkey instead of deep-fry. Deep-frying adds a lot of extra fat, which can tip the balance towards the unhealthy side. Remove the skin to cut down on saturated fat. Season with herbs, citrus, garlic, and spices instead of butter to reduce saturated fat and boost flavor. Skip or lighten the gravy. Instead of cream or heavy drippings, use homemade stock thickened with pureed vegetables like carrots or parsnips. This gives you a lighter version of traditional gravy that delivers comfort without the heavy cost. White meat is a good choice if you’re looking to trim even more fat off your plate. Breast and wings are white meat, legs and thighs are dark meat. White meat has slightly fewer calories than dark meat. 2- Side Dishes Made Smarter There are a lot of ways to lighten up traditional Thanksgiving side dishes — take a look. Mashed potatoes: Swap the butter and cream for olive oil, avocado oil, or Greek yogurt. You’ll still have a bowl of creamy, fluffy, flavorsome spuds, but with far less saturated fat. Sweet potatoes: Skip the brown sugar and marshmallow topping. Roast with a light drizzle of olive oil and a sprinkle of cinnamon. It will be warm and sweet, but without excess sugar and processed additions. Stuffing: Use whole-grain bread and lots of chopped vegetables like onions, celery, mushrooms, and herbs for extra fiber and vitamins. Vegetables: Roast or steam vegetables like carrots, green beans, or brussel sprouts instead of smothering them in creamy sauces. A little olive oil, seasoning, and roasting brings out natural flavor and keeps it nutrient-rich. Plate Mediterranean style: Try to fill half your plate with vegetables and lean protein, then let the heavier sides make up a smaller portion. This gives you more nutrient-dense food, more color, fiber and fewer “empty” calories. These small adjustments preserve the spirit of the foods you love — comfort, richness, sharing — and help your body too. 3- Lighter, Still-Delicious Desserts Dessert is a highlight of Thanksgiving. Pumpkin pie, apple crisp, and pecan tart are traditions for a reason. But they can also carry added sugar, fat, and heaviness. Here are ways to keep the flavor but lighten the load: Cut down the amount of sugar in pies by using natural sweeteners like mashed bananas, applesauce, or just reduce the sugar amount. The flavor can still shine. Instead of whipped cream or heavy ice cream, top with a dollop of Greek yogurt. It gives creaminess and a slight tang, and boosts protein. Fruit-based desserts like baked apples, poached pears, or a warm fruit crisp made with oats and a light drizzle of honey or maple syrup feel indulgent, comforting, and satisfying, yet rely more on natural sweetness and fiber. Portion control matters. Take a modest slice and savor every bite. 4- Enjoy – Don’t Overdo The right mindset can make a world of difference. Instead of thinking “I must avoid everything”, think “I’m choosing well and enjoying mindfully.” Use a smaller plate: Research suggests that plate size influences how much we eat. A smaller plate means smaller portions, and less mindless over-filling. Start with vegetables: By filling your plate first with salads or steamed/roasted vegetables, you naturally leave less “room” for heavier dishes while still enjoying them. Eat slowly and take breaks: Conversation, laughter, and shared stories are part of the meal. Pausing between bites gives your body time to register fullness and your mind time to savor. Taste everything you love: You don’t have to deprive yourself of traditions — just sample them thoughtfully rather than go all-in without limit. This way you enjoy your meal more, and avoid the post-meal slump. Stay Hydrated and Eat Mindfully Beyond what you eat and how, how you eat matters. This is where hydration and mindful eating come in. Sip water throughout the day. Staying hydrated helps digestion, supports metabolism, and can prevent overeating. Sometimes our bodies confuse mild thirst for hunger. Substitute alcoholic beverages with flavored water or herbal tea. This moderates your total calorie intake and supports hydration. Take the time to notice how you feel as you eat. Pay attention to flavors, textures, and the company. Research shows that mindful eating, i.e., being present during meals rather than distracted, improves psychological wellbeing, body satisfaction, and lets you have a healthier relationship with food. Pay attention to hunger and fullness cues. Eat until you’re pleasantly full, not stuffed. This means stopping before you feel bloated or uncomfortable. Avoid eating just because food is there. Pause, engage in conversation, enjoy the atmosphere. The food is just one part of the event. Applying mindful eating during a holiday

Each year, Veterans Day invites us to pause and reflect on the courage, commitment, and sacrifice of those who served in the armed forces. It’s a time to honor veterans, to say “thank you” for the countless ways they stepped up in service to our country. But while parades, ceremonies, and formal acknowledgements matter deeply, there is another powerful way to show appreciation: by giving back. For many veterans, the transition to civilian life is not easy. Some face homelessness, mental-health challenges, difficulty securing employment, or the all-too-real experience of social isolation. On Veterans Day, and during the holiday season and beyond, we have an opportunity to step up, reach out, and help improve the lives of those who once dedicated themselves to protecting ours. Why Giving Back Matters When veterans put their time, safety, and often health on the line to serve our country, they made a commitment on behalf of all of us. Supporting them now is not simply charity — it’s reciprocity, a recognition of their service. Whether through volunteering, donating, or simply offering kindness, these acts carry real weight. Even small contributions — an hour of your time, a bag of donated goods, or a thoughtful note — can ripple out in meaningful ways. Acts of service strengthen communities and bring purpose. Research shows that people who volunteer often experience better mood, greater social connection, and improved mental health. For instance, people who volunteer report better physical activity, stronger social ties, and reduced feelings of hopelessness. When we give back, we not only help others, but we strengthen ourselves by connecting to something larger than our individual routines. It becomes an act of gratitude, of community, of meaning. The Realities Many Veterans Face To give back in meaningful ways, it helps to understand some of the challenges many veterans encounter. Homelessness: According to the National Coalition for Homeless Veterans (NCHV), veterans account for a disproportionate share of the homeless adult population in the US. Mental health challenges: Many veterans live with post-traumatic stress (PTSD), traumatic brain injuries, depression, anxiety or substance-use issues. These conditions may remain untreated or under-supported, which exacerbates other life challenges such as housing or employment. Social isolation: Some veterans live far from their service networks, family, or supportive communities. The shift from active duty to civilian life sometimes leads to loneliness, a loss of structure, and difficulty connecting with others. Employment or financial struggles: Adjusting to civilian employment, translating military experience to civilian roles, and rebuilding their financial footing can be difficult. These factors can contribute to further stress and instability. Understanding these realities helps us direct our support in ways that meet real need, not just by giving, but by giving thoughtfully. Ways to Give Back on Veterans Day and Beyond Here are actionable ways you can show up, make a difference, and help sustain that difference. Volunteer Your Time Serve meals at local shelters or community kitchens that support veterans. A simple act of presence and service can make a big difference. You can volunteer at a United States Department of Veterans Affairs (VA) hospital, clinic or nursing home. Sometimes just sitting with a resident, chatting, playing a game or reading can brighten their day. Help with resume writing, job interview prep, or computer skills training for veterans transitioning into civilian employment. Offer transportation for medical appointments or errands. Mobility can be a hidden barrier many veterans face. Donate Goods or Services Contribute warm clothing, hygiene kits, or non-perishable food items to veteran shelters or outreach programs. Support drives collecting blankets, socks, and coats heading into winter. These basic items matter more than many realize. If you have a professional skill — carpentry, accounting, counselling, IT — consider offering it pro bono or at a discount to a veteran or veteran-support organization. Financial Contributions Donate to reputable organizations dedicated to veteran support, for example, Wounded Warrior Project, Homes for Our Troops, Fisher House Foundation, K9s for Warriors and others. Even small donations fund housing, mental health care or job training programs. Check with local veteran service organizations, community churches or clinics to see if there are specific donation campaigns around Veterans Day. Acts of Kindness and Connection Write thank-you cards or letters to veterans in hospitals, care homes, or shelters. A simple “thank you for your service” holds meaning. Invite a veteran neighbor, acquaintance, or family friend to lunch, coffee or a community event. Connection matters. Attend a local Veterans Day ceremony. Your presence communicates that you value their service. Encourage younger people, like grandchildren, students, and youth groups, to learn about veterans’ stories, to meet veterans, to ask questions. Intergenerational connection builds understanding and respect. Keep the Spirit Going Year-Round Supporting veterans doesn’t end when Veterans Day ends. It’s about sustained connection and commitment. Make volunteering a regular habit, whether monthly or quarterly. Consistency matters. Check in on a veteran you know. Send a text, invite them out, ask how they’re doing. A little can go a long way. Join or support a community or faith-based program that offers ongoing services to veterans. Stay informed, learn about the evolving needs of veterans in your region, and respond accordingly. To build meaningful relationships, we need to keep the spirit of giving alive all year, not make do with just one-time gestures. How to Find Opportunities Near You Reach out to your local VA hospital or outreach center. They often have volunteer service listings. Connect with your city’s volunteer or community service office and ask for veteran-focused opportunities. Visit websites like VolunteerMatch or Serve.gov to find listings of organizations that serve veterans and accept volunteers. Ask local veteran-service organizations, churches, senior centers or community centers. They may coordinate donation drives or service projects specifically for Veterans Day. Action, connection, and long-term support Veterans Day is much more than a day of ceremonies and speeches. It’s an invitation to act. Your time, your skill, your compassion, and your presence all add up in profound ways. Whether you give an hour, a

Did you know that there are big changes to many 2026 Medicare plans? Now is the time to get a review of your current plan benefits and how it may be changing for January 1, 2026. You may find that your current plan is going away completely and will have to choose a new plan, or that your current plan changes are significant and you may want to change plans during the Medicare Annual Enrollment Period (AEP) from now until December 7. Be informed and be ready for it — learn more! What’s Changing in 2026? At IntraCare Health Centers, we want you to be confident about your healthcare coverage for the year ahead. Let’s take a closer look at what’s changing, how these updates might affect you, and what we’re doing to help you stay informed and supported. Note: Percentages and dollar values given here are projected. Final numbers may still change before January 1, 2026. Medicare Supplement (Medigap) plans may cost more If you have a Medicare Supplement plan, also called Medigap, you could see your premiums rise. Current estimates suggest that rates could go up by 12% for some plans. Medicare Part B premiums are expected to increase The Part B monthly premium is expected to rise by more than 11%, going from $185 to about $206.50 per month in 2026. The increase of $21.50 a month may not sound like much, but it can add up overtime, especially for people living on a fixed income. Some Medicare Advantage benefits may be reduced Many insurance companies that offer Medicare Advantage plans (also known as Part C) have announced that they may reduce benefits in 2026. This means benefits could be reduced or you may pay more out-of-pocket for certain benefits. Some Medicare Advantage plans may no longer be offered Some major insurers like Aetna, Humana, and UnitedHealthcare have announced they will not offer some or all Medicare Advantage PPO (Preferred Provider Organization) plans. If your current plan is being discontinued, you’ll need to choose a new plan. The prescription drug cap will go up by $100, but 10 drugs may cost less As stated in the official Medicare and You handbook for 2026 the prescription drug cap will go up from $2,000 in 2025 to $2,100 effective January 1, 2026. Some good news is that 10 widely prescribed drugs for chronic diseases, including diabetes, congestive heart failure (CHF), and arthritis, will be available at lower prices from January 1, 2026. How Could These Changes Affect You? Coverage: You may need to switch plans if yours is no longer available or no longer covers your needs. Benefits: If your plan reduces benefits, you might lose some benefits or pay more out of your own pocket. Affordability: Higher premiums could make your monthly costs go up. Access to care: If your plan’s network changes, your doctor or preferred clinic might not be covered anymore. How IntraCare Can Help You Prepare Now is the time to see how these changes will impact you. At IntraCare, we’re offering a no-cost, no-obligation Medicare Benefits Review with one of our licensed Medicare brokers who we trust with our patients. A licensed Medicare broker can: Explain what’s changing in your specific plan for 2026. Compare available plans in your area that may better fit your needs. Make sure your IntraCare primary care provider (PCP) remains in-network. Confirm that your prescriptions will still be covered and affordable. What You Can Do Now We encourage you to take a little time to review your Medicare coverage and see how the 2026 changes might affect you with a no-cost, no-obligation Medicare Benefits Review. Call us to schedule a visit You can call the IntraCare helpline:AZ: (480) 690-8265 | TX: (214) 389-3853, Monday through Friday, 8 a.m. to 5 p.m. CST. When you call, you can schedule a time to come in and: Pick up your complimentary Medicare AEP Survival Kit This easy-to-read packet contains educational information about the upcoming Medicare changes and tips on how to prepare. Get a no-cost, no-obligation Medicare Benefits Review A licensed, independent Medicare broker that we trust will sit down with you, answer your questions, and review your current plan. There’s no cost, no pressure, and no obligation to make a change. It’s simply a smart way to stay informed. Bring a friend or loved one If you know someone else who could benefit from learning about these changes, bring them along. Stay informed Pay attention to the Annual Notice of Change (ANOC) from your health insurer that is sent in September to members enrolled in Medicare Advantage. It outlines all the changes that have been made to your current plan for the upcoming year. If something isn’t clear, bring the letters to your Medicare Benefits Review appointment and we will go through them with you. Make sure you can keep your doctor If you do decide to switch plans for 2026, please double-check that your new plan allows you to keep IntraCare as your in-network primary care provider. This way, your care stays seamless, and you continue to receive the personal attention and service you’re used to. What is an in-network doctor? Medicare Advantage plans have contracts with doctors and advanced practice providers (APPs) to treat patients at lower costs. If you’re enrolled in a Medicare Advantage plan, you’ll generally pay less in copays, coinsurance, and deductibles when you visit an in-network doctor. Should you visit an out-of-network doctor, your costs will usually cost more.

Taking care of someone with health problems can be hard. As a caregiver to a parent, spouse, partner, or even when looking after your own self, you may have to keep track of doctor visits, multiple medications, test results, paperwork, and more. Medicare care coordination can help make things easier for caregivers and patients. ATTENTION: The Medicare Annual Enrollment Period runs from Oct 15 to Dec 7 each year, so remember to get your no-cost, no-obligation Medicare Benefits Review in time. Our doctors can connect you with a licensed Medicare broker who we trust with our patients. Call us: (480) 690-8265 | (214) 389-3953 or fill this form to book your appointment today. What Is Care Coordination? Care coordination means that doctors, nurses, and other healthcare providers work as a team. They share information, talk to each other, and plan care together. This helps make sure the patient gets the right care at the right time. Without care coordination, there is a possibility that things may go wrong. A person might: Get the same test more than once Be given medicines that don’t work well together Have trouble getting follow-up care End up in the hospital when it could have been avoided With  care coordination, all the providers stay on the same page. That means fewer problems and better care. Why Care Coordination Matters for Caregivers As a caregiver, you already do a lot. You might help: Schedule doctor visits Talk to different doctors Manage medications Take your loved one to specialists Care coordination can help make your job easier. Here’s how: Clearer communication: Everyone involved in care — doctors, nurses, and even the caregiver — gets the same information. Fewer repeated tests or mistakes: When doctors share notes, patients don’t have to redo the same tests or worry about medicine mix-ups. Better support after hospital stays: Medicare covers follow-up visits, phone check-ins, and help managing care at home. Help managing chronic conditions: A care team checks in regularly to help keep health problems like diabetes, high blood pressure, or heart disease under control. Patient-Centered Medical Home (PCMH) A Patient-Centered Medical Home (PCMH) is a type of doctor’s office where the team focuses on the whole person, not just one illness. The care is friendly, organized, and centered on the patient. In a PCMH: You get reminders for check-ups and shots The care team talks with specialists They help manage long-term health issues (like COPD or arthritis) They offer evening or weekend hours They help you find a coordinated care plan that fits your needs PCMHs are especially helpful for people with chronic conditions because the team checks in often and keeps everything on track. Accountable Care Organizations (ACOs) An Accountable Care Organization (ACO) is a group of doctors, hospitals, and other providers who work together to provide coordinated care. Here are some ACO benefits: Doctors can see your full medical history, test results, and prescriptions You avoid repeated tests and medicine mix-ups You may get telehealth visits (video appointments from home) You might not need a hospital stay before going to a skilled nursing facility If your doctor is part of an ACO, they might have signs in the office stating so, or send you a letter about it. How to Find a Coordinated Care Plan Looking for coordinated care? Here’s how to get started: Ask your doctor if they’re part of a PCMH or ACO Request care management services like: Chronic Care Management (CCM) for long-term health problems Transitional Care Management (TCM) after a hospital stay Ask to work with a care manager to help plan care and stay organized These services are often covered by Medicare, so don’t be afraid to ask. Frequently Asked Questions about Care Coordination What is Medicare care coordination? It’s when your doctors and care team work together, share information, and make a cohesive plan to give you better care. What does a care manager do? A care manager helps schedule doctor visits, track medications, share info, and keep everyone on the same page. What are ACO benefits? ACOs offer better communication, fewer repeated tests, telehealth options, and easier access to care after a hospital stay. How does care coordination help manage chronic conditions? The care team checks in often, reviews medicines, and helps prevent problems before they get worse. How can I find a coordinated care plan? Ask your provider if they’re in a PCMH or ACO, and if they offer care management services like CCM or TCM.

Medicare is a US federal health insurance program. It helps pay for medical healthcare for people aged 65 years and above, and for some younger people with certain disabilities or permanent kidney failure. Medicare is run by the government through the Centers for Medicare and Medicaid Services (CMS). There are parts to Medicare: Part A, Part B, Part C (called Medicare Advantage), and Part D (drug coverage). ATTENTION: The Annual Enrollment Period runs from Oct 15 to Dec 7 each year, so remember to get your no-cost, no-obligation Medicare Benefits Review in time. Our doctors can connect you with a trusted Medicare licensed broker. Call us: AZ: (480) 690-8265 | TX: (214) 389-3853 or fill this form to book your appointment today. Purpose of Medicare The purpose of Medicare is to make sure people aged 65 years and above (and certain younger people with specific health conditions) get access to healthcare. Medicare coverage can also help individuals get recommended preventive care. Preventive care can help stop acute illnesses, chronic conditions, and other health problems before they develop or become serious. Preventive care covers vaccines, screenings, immunizations and annual wellness visits. Who Is Medicare For People aged 65 years and above who are US citizens, or are legal residents long enough and have paid into Medicare through payroll taxes during their working years. Younger people with certain disabilities, after meeting specific requirements. People of any age who have End-Stage Renal Disease (kidney failure needing dialysis or transplant). To join Medicare, many people sign up for Part A and Part B when they turn 65. Then they choose whether to use Original Medicare or Medicare Advantage. What Does Medicare Cover Medicare covers certain kinds of healthcare. Here is a breakdown of what each part covers: Part A (hospital insurance): Pays for hospital stays (also called “inpatient care”), skilled nursing facility stays (after a hospital stay), hospice care, and some home healthcare. Part B (medical insurance): Covers doctors’ services, outpatient care (visits that do not require hospital stay), preventive services (like screenings and vaccines), durable medical equipment (e.g. walkers, wheelchairs), and sometimes home healthcare. Part D (prescription drug coverage): Helps cover many prescription drugs. You join a private company’s drug plan or get it through a Medicare Advantage plan. Original Medicare (Parts A and B) does not cover everything. It usually does not pay for: Most dental care or dentures Hearing aids and exams to fit them Glasses or routine eye exams for correction Long‑term care or custodial care (help with daily living when you can’t do it yourself) Part C (Medicare Advantage): These are private plans approved by Medicare that bundle together Parts A and B. They also usually include Part D. Medicare Advantage plans may also offer extra services that Original Medicare does not cover, like vision, dental, hearing, or wellness benefits. But these extra services vary by plan. What Are Medicare Benefits Medicare benefits refer to the services, help, and coverage you get and they vary by plan. Some key benefits for people aged 65 years and above are: Hospital benefits: when you must stay in hospital, Medicare covers much of the cost under Part A. Doctor and outpatient benefits: visits to doctors, specialists, outpatient clinics, lab tests, x‑rays, Part B services. Preventive care: vaccines (flu, pneumonia, shingles), health screenings (breast cancer, colon cancer, etc.), yearly wellness visits. These services are meant to find problems early. Drug coverage: prescriptions are often expensive. Medicare Part D helps reduce what you pay for medications. If you are in a Medicare Advantage plan that includes drug coverage, that benefit is usually built in. Home health and hospice: if you need care at home for certain conditions, or end‑of‑life care, Medicare offers that. Extra benefits via Medicare Advantage: Many Medicare Advantage plans provide extra benefits not offered by Original Medicare. These can include things like dental, vision, hearing (these vary by plan), sometimes wellness programs, and more. Frequently Asked Questions about Medicare How do I sign up for Medicare? You usually enroll when you turn 65. If you already get Social Security, you may be signed up automatically for Part A and Part B. Otherwise, you enroll through the Social Security Administration. Is there a cost for Medicare? Yes. Part A may be premium‑free if you or your spouse paid enough Medicare taxes. Part B has a monthly premium, deductible, and cost sharing. Part D and Advantage plans have their own costs. Can Medicare cover prescription drugs? Yes, with Part D, or if your Medicare Advantage plan includes drug coverage. What preventive services are free under Medicare? Many preventive services are fully covered: certain vaccines, cancer screenings, wellness visits. Refer to each plan’s specific benefits to find out what’s covered. Can I get extra help with costs? Yes, there are programs and insurance (like Medigap, Medicare Savings Programs) to help reduce out‑of‑pocket costs, premiums, coinsurance, and deductibles especially for those with limited income. Your trusted partner in healthcare At IntraCare Health Centers, we provide whole-person healthcare designed specifically for  adults aged 65 years and above, putting your physical, emotional, and cognitive well-being first. Our doctors don’t just treat problems; they help prevent them with early diagnoses, regular check-ups, medication reviews, and lifestyle support to keep you healthy and independent, especially if you’re managing multiple chronic conditions. We help individuals in Texas and Arizona enrolled in Original Medicare (Parts A and B) or Medicare Advantage (Part C) plans stay strong, active, and in control of your health.

The Medicare Annual Enrollment Period runs from October 15 to December 7 every year. This is a time when people aged 65 and older can review their health coverage and decide if they want to make changes for the next year, like switching to a new Medicare Advantage plan, or seeing if a D-SNP (Dual Special Needs Plan) might be a better fit if they have both Medicare and Medicaid. ATTENTION: The Annual Enrollment Period runs from Oct 15 to Dec 7 each year, so remember to get your no-cost, no-obligation Benefits Review in time.Our doctors can connect you with a licensed Medicare broker who we trust with our patients. Call 123-456-7890 or fill this form to request an appointment today. What is a D‑SNP? A D-SNP (Dual Eligible Special Needs Plan) is a special kind of Medicare Advantage plan that combines both Medicare and Medicaid so it’s easier to get the care and help you need. With a D-SNP, Medicare helps pay for things like hospital stays, doctor visits, and sometimes medicines. Meanwhile, Medicaid helps with other costs that Medicare doesn’t fully cover, like extra care or help at home (this depends on the state you live in). Defining Features of a D-SNP D‑SNPs are private plans. They are run by private insurers approved by Medicare, but are tailored for dual eligibles. They combine or coordinate benefits from Medicare and Medicaid to reduce gaps (e.g. out‑of‑pocket costs) and improve care coordination. They always include Medicare Part D (prescription drug coverage). Purpose of D-SNPs Many people who have both Medicare and Medicaid have serious or long-term health problems. They often need help from different doctors and health services. But using two programs can be confusing and hard to manage. Some common problems include: Medicare and Medicaid not working well together Not knowing which program pays for what Still having to pay some costs, like copays or deductibles Missing coverage for things one program covers, but the other doesn’t D-SNPs are made to help with these problems. They try to: Coordinate care between Medicare and Medicaid Lower costs for the person Add extra benefits, like help managing health problems or getting rides to appointments This makes it easier for people to get the care they need without stress and confusion. Who Can Get D-SNPs Not everyone gets the same help from Medicaid, and the kind of help you get may vary depending on where you live. For example, someone in Arizona might get different benefits than someone in California. There are two main types of people who qualify for dual eligibility, or coverage from both Medicare and Medicaid. Full Duals (Full Benefit) You get full Medicaid benefits Medicaid helps pay for things that Medicare doesn’t, like: Monthly premiums Co-pays and deductibles Extra support like help at home You usually get more services and lower costs Partial Duals You get some help, but not full Medicaid benefits Your state might help pay your Medicare premium or some copays, but not cover extra medical services The type you are — full or partial — is a deciding factor in which D-SNPs you can join. Some D-SNPs only take people with full benefits Others may allow partial duals, but the coverage might be different, and you might have to pay more What Benefits Do D-SNPs Offer? A D-SNP has to cover everything that Original Medicare covers, which includes: Hospital care (Part A) Doctor visits and medical care (Part B) Prescription drugs (Part D) Additional benefits you might get are: Help Coordinating Care: You may get a care manager or helper who guides you through your healthcare and other services you need. Extra Benefits: These can vary depending on the plan and your state, but might include: Dental care Vision care (like glasses) Hearing aids Rides to doctor appointments Telehealth (talking to doctors on the phone or computer) Over-the-counter medicines and supplies Fitness programs Help at home or with long-term care services Lower Costs: Because Medicaid helps out, many D-SNPs have lower or no monthly fees, and you might pay less for visits, medicines, and other services. Simpler Appeals and Complaints: If you have a problem with your coverage or need to appeal a decision, D-SNPs often have combined rules for Medicare and Medicaid to make it easier to fix problems. More Chances to Join or Switch Plans: People with Medicaid and extra help can often switch plans or join at special times, making it easier to find a plan that works best for them. Who Can Join a D-SNP? To join a D-SNP, you must: Have Medicare: You must already be signed up for Medicare Parts A and B. Have Medicaid: There are two types of Medicaid help, full and partial. What kind of Medicaid you can get depends on your state laws. Live where the plan is offered: D-SNPs are only available in certain states or counties. Note: Some D-SNP plans only take people with full Medicaid, while others accept those with partial Medicaid. Recent changes are making these enrollment options even more flexible for dual eligible individuals in many cases. Advantages and Disadvantages of D-SNPs Like any health plan, D-SNPs have some pros and cons. Whether it’s a good fit depends on your health, where you live, and what you need. Advantages Helps Save Money: Many D-SNP plans have low or no monthly costs, low copays, and no big bills. Medicaid can help pay for things that Medicare doesn’t cover. Helps with Your Care: Some D-SNP plans give you a care manager. This is someone who helps schedule doctor visits, and checks in on your health, enabling you to stay healthier and avoid problems. Extra Benefits: D-SNPs often give extra things you don’t get with regular Medicare, like: Glasses or eye exams Hearing aids Dental checkups Free rides to the doctor Money for over-the-counter (OTC) items Easier to Understand Your Coverage: With a D-SNP, your Medicare and Medicaid work together in one plan. That means: Less paperwork Fewer billing surprises Not

Why It’s Important to Ask Questions About Diabetes Diabetes is the 5th most common chronic condition in the US. According to the National Council on Aging, nearly 1 in 4 people aged 65 years and above have type 2 diabetes. Insulin is a hormone secreted by the pancreas. When your body converts the food you eat into glucose, insulin helps move the glucose from your bloodstream into cells, where it remains as stored energy until your body needs it. Type 2 diabetes is a condition where your body doesn’t respond to insulin as it should, or it doesn’t produce as much insulin as it needs. If you or someone you know has diabetes, here are 11 questions you should ask your doctor.

It’s not unusual for Medicare plans to change from one year to the next, changing the benefits you receive. It’s also completely normal for your own medical needs to change, meaning you may now qualify for benefits you weren’t eligible for before. Whether you’re enrolled in Original Medicare or a Medicare Advantage plan, reviewing your health benefits annually is a smart idea, because who doesn’t want more helpful things in their life? A Medicare Benefits Review can help you save money, get more coverage, access more benefits and resources, and avoid surprise medical bills.

When conversation turns to heart problems, two phrases you may hear a lot are ‘heart attack’ and ‘heart failure’. They sound similar, but they’re not the same. Let’s look at the difference between them, what causes each condition, and how they’re treated. The difference between heart attack and heart failure What each means Heart attack: Blood flow to a section of the heart muscle is blocked, usually by a clot in a coronary artery. Permanent muscle damage can happen within 20–40 minutes. The more tissue that dies, the harder it is for the heart to pump blood, increasing the risk of life-threatening complications. Heart failure: This is a long-term, chronic condition in which the heart cannot pump blood well enough to meet the body’s needs. It still beats, but may be too weak (reduced pumping strength) or too stiff (reduced filling ability) to work at full capacity. How quickly they occur Heart attacks or myocardial infarctions often begin suddenly, at times without warning, although some people may see concerning signs hours or days earlier. The blockage of blood flow can last from minutes to several hours, depending on how quickly the patient receives treatment. Heart failure usually develops gradually over months or years. It is generally a lifelong condition. Main cause Heart attack: A blockage in a coronary artery, brought on by atherosclerosis or plaque buildup. Plaque is made of cholesterol, calcium, fat particles, and dead cells. If the plaque layer ruptures of breaks, it triggers the body’s natural wound-healing system, and a clot forms. A clot that’s too large can completely stop the flow of oxygen-rich blood to the part of the heart supplied by that artery, leading to a heart attack. Heart failure: Many things can damage the heart over time: a past heart attack, long-standing high blood pressure, weak or leaky heart valves, infections, or certain medicines. Heart failure is often the end result of multiple underlying heart problems. Signs and symptoms Signs of a heart attack: Chest pain or pressure, crushing pain that spreads to the arm, jaw, neck, or back, shortness of breath, sweating, nausea, or sudden fainting. Women may have less chest pain and more shortness of breath, nausea, or unusual tiredness. Signs of heart failure: Shortness of breath during activity or when lying flat, waking at night breathless, swelling in legs or belly, feeling tired all the time, a cough that does not go away, and fast weight gain from fluid buildup. These often come on slowly. How doctors test for each If a heart attack is suspected: Doctors typically perform an electrocardiogram (ECG) to look for changes in heart rhythm or electrical activity, blood tests for cardiac enzymes such as troponin (which rise when heart muscle is damaged), and often urgent imaging or coronary angiography to locate and confirm a blocked artery. If heart failure is suspected: Doctors may start with a physical exam to check for swelling, fluid buildup, or abnormal heart sounds, followed by blood tests such as BNP or NT-proBNP (proteins that increase when the heart is under stress). An echocardiogram (ultrasound of the heart) is commonly used to assess heart structure and measure how well it pumps. Click here to find qualified internal medicine doctors in Arizona and Texas Emergency care Heart attack: Emergency treatment focuses on restoring blood flow to the heart as quickly as possible to limit permanent damage. Depending on the situation, you may receive clot-dissolving medications called thrombolytics, or undergo an urgent procedure called angioplasty. Angioplasty involves guiding a small balloon into the blocked artery and inflating it to restore blood flow. A stent is often placed in afterwards to keep the artery open. Heart failure: You will need emergency care if the chronic condition suddenly worsens: you’re severely short of breath, have very low blood pressure, lips or skin turn blue, become confused, or faint. Treatment in the hospital may include oxygen therapy, intravenous diuretics to flush out excess fluid from the lungs, medications, and continuous monitoring of vital signs. In some cases, patients may need non-invasive ventilation or other advanced therapies to stabilize their condition. Treatment After a heart attack: Blood thinners and antiplatelet drugs like aspirin help prevent blood clots. Beta blockers slow heart rate and lower blood pressure, reducing strain on the heart. Statins lower cholesterol and help stabilize artery plaque to prevent future blockages. ACE inhibitors or ARBs relax blood vessels and help the heart pump more effectively Some patients may need angioplasty with stent placement. More severe cases may require coronary artery bypass surgery to reroute blood flow around blocked arteries. For heart failure: Treatment aims to ease and control symptoms, slow progression, and prevent future flare-ups. Diuretics help remove extra fluid from body tissues, ACE inhibitors or ARBs relax blood vessels, and beta blockers lower strain on the heart. In some cases, SGLT2 inhibitors (originally used for diabetes) improve heart function and reduce hospitalizations. Lifestyle changes such as limiting salt, maintaining a healthy weight, exercising, and quitting smoking are key. Some people may also need devices like an implantable defibrillator or pacemaker, and in severe cases, surgery or heart transplant. Frequently Asked Questions about the difference between heart attack and heart failure Can a heart attack cause heart failure? Yes. A large heart attack can permanently damage heart muscle, reducing its ability to pump blood effectively. This damage can lead to heart failure, sometimes right away, but often developing gradually over weeks, months, or even years. Is heart failure the same as the heart stopping? No. Heart failure means the heart continues to beat, but doesn’t pump as well as it should. Cardiac arrest means the heart stops beating altogether, leading to death within 8-10 minutes if emergency care is not given at once. What tests confirm a heart attack? Doctors use an ECG, blood tests to measure enzymes such as troponin, and often imaging or angiography to find a blocked artery. Can heart failure be treated at home? Yes, with the help of a doctor’s