Peter finished

Peter Trozan

Thanks for checking out my blog!

Over the years I have constantly interacted with people that are worried and confused about their Medicare options. I get great satisfaction when a worried frown is replaced with a broad smile of relief as people leave my office thanking me for finally making Medicare clear and understandable.

I love educating people about Medicare topics! My blogs and website will give you practical tips and clarifying information about how to get the most out of Medicare, the various Medicare products available, and how to select the plan most appropriate for your unique needs. If you find you have more questions or need our expertise to address your specific needs, please contact me or my staff. We look forward to serving you!



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My most recent blog posts:


Finally! Social Security Numbers to be Removed from all Medicare Cards

Medicare beneficiaries have complained for years about having their Social Security number on Medicare cards. Their concerns are finally being addressed, as the familiar red, white and blue Medicare card finally gets a makeover after half a century.

Starting in April, the government will begin the monumental task of mailing out new Medicare cards to every single person on Medicare—that’s 57.7 million Medicare beneficiaries. The new cards will no longer contain your Social Security number, something that was a matter of growing concern in an age of pervasive identity theft. Instead, the new Medicare cards will contain a combination of randomly generated numbers and letters that will become your new unique Medicare Number. read more…


Medicare Plan Termination by Rocky Mountain Health Plans is Actually a Golden Opportunity

You may know some of the over 700 individuals that might feel they received some bad news in the last two weeks—a letter notifying them that Rocky Mountain Health Plans (RMHP) will terminate their Cost-plan Medicare policies in Northern Colorado effective January 1, 2018. But this is actually a golden opportunity! read more…


Medicaid to Millionaires Must Stop

In a recent appearance at CSU, Senator Michael Bennet denounced Congress’ attempt to revamp and improve the failed Affordable Care Act (ACA), better known as Obamacare. Bennet appeared most unhappy that fewer people would qualify for Medicaid coverage. Voters might be better served if Bennet would explain why he voted for a law that allows millionaires to get Medicaid.
When the ACA was passed, it ushered in a sweeping new definition of “poverty.” Obamacare did away with the long-standing practice of … read more…


Final 2017 numbers for Social Security COLA and Medicare Premium Increases

The Centers for Medicare and Medicaid (CMS) — The agency that oversees Medicare and Social Security-recently announced the final figures on 2017 cost of living increases for Social Security and new Medicare premiums and deductibles.

Social Security recipients will receive a tiny 0.3% cost of living adjustment (COLA) increase for 2017. This would increase the average Social Security benefit of $1355 by about $4 per month in 2017. Most people, however, read more…


Social Security Benefits and Medicare Premiums may be going up in 2017

Social Security benefits are projected to increase by a tiny amount in 2017. The 0.2% COLA increase projected by the Social Security Trustees report released on June 22 of this year, would theoretically, increase the average Social Security benefit of  $1350 by $2.70 per month in 2017. But Social Security recipients won’t actually see that money in their pocket… read more…


Tax Returns get more complicated as result of Obamacare

As if tax forms weren’t complicated enough, here come two new forms concerning the new Affordable Care Act (ACA), popularly known as Obamacare. Form 8962 (Premium Tax Credit) and Form 1095-A (Health Insurance Marketplace Statement)…read more…


Think About Provider Network When Choosing a Health Policy

Most buyers of health insurance fall into two camps:

  • Those who want the least expensive plan possible. This group generally is mostly interested in the small stuff—getting their annual physical and lab work covered and maybe a visit or two to be treated for an infection. These tend to be the young, healthy invincibles. They’re not choosy about who their medical provider is and are often willing to have a doctor assigned to them, thus they gravitate to the more restrictive HMO plans.
  • Those who look for the finest doctors available no matter where they are located. They are selective not only about their primary care doctor, but also about the specialists that are available in their network. If they need surgery or get cancer, they want the ability to go to the best doctors and hospitals nationwide. These tend to be people that are getting older and realize that their odds of needing specialized, expensive care is increasing rapidly. They gravitate to the PPO plans…
    read more…

Medicare Choices Open up in October

Medicare open enrollment season is right around the corner. Beginning October 15th and ending December 7th, open enrollment provides Medicare beneficiaries with several choices. The two main decisions to make are whether to couple a Medicare Supplement with Original Medicare or opt for one of the newer Medicare Advantage Plans… read more…

Football and Health Insurance Have a Lot of Similarities

With the start of football season, I’m seeing some interesting parallels to health insurance. When a team loses a big game there can be a lot of finger pointing. While Kaiser has been the big winner in terms of number of people signed up in Northern Colorado due to their low premiums, their enrollment and billing process has been a disaster… read more…


Authorizing others to help with your insurance matters

Let’s say that Eleanor Rigby struggles to make sense of all her doctor bills and explanation of benefits from the insurance company. Something about those bills is not making sense and since she has no friends or relatives nearby, she asks her priest, Father McKenzie, to call her insurance company to help her make sense of her insurance claims. Unfortunately, Father McKenzie is stymied as the insurance company refuses to give him any information due to HIPAA confidentiality provisions… read more…

Visit my Archive for older blog posts.

Peter Trozan


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