A Medicare Supplement plan and its valuable insights

A Medicare Supplement plan is designed to supplement Medicare Original coverage. It is a private health insurance. Medicare Supplement Insurance assists in paying the health care gap costs that is left out by Original Medicare such as coinsurance, copays and deductibles. The Medicare Supplement Plans are expected to follow state and federal laws. The standardized policies offered by Medicare Supplement Plans are identified within the letters A through N by the insurance companies.


Medicare Supplement plans are not any replacement for the Original Medicare plans. In fact, they provide supplement benefits to the Original Medicare. Medicare supplement plans do not actually cover any long-term care, dental, vision, hearing aids, private nursing or eyeglasses.


Medicare Supplement is appropriate for people who like the liberty of choosing doctors accepting Medicare. These are suitable for beneficiaries who seek protection from Medicare unexpected costs.



The eligibility for Medicare Supplement plans begins with having Medicare Part A and Part B. Of course the eligibility also includes the state residence for Medical Supplement Plans to be effective. As a member of the Medigap you cannot use a Medicare Advantage plan.


If these are applicable to you, you are entitled for an open enrollment for six month period beginning with the month first day such that the coverage is effective of your Part B or on your 65th birthday if you have already Medicare owing to disability.


You have attained age 65 or older, you have Medicare Part A currently and are enrolled newly in Medicare Part B, OR

You have Medicare already as you are disabled, though you have now turned 65.


Importance of Medicare Supplement

The Medicare Supplement Plans are sold to cover that the Medicare fails to cover. These supplement policies covers no other medical services that the Medicare does not cover. It will pay to the health care providers the amount that you need to pay if you do not have this supplement policy.


It is time you can disenroll, enroll or also make changes to the coverage of Medicare at some particular times. This means you must importantly know these periods.


Some enrollment periods of Medicare Supplement Plans start when you are eligible for it. There are times when you can change, add or drop the Medicare plans. You also can enroll for limited time periods if you have qualifying events.


Remember that if you fail to sign up when you are actually eligible first for the Medicare certain parts, it means you have to pay enrollment lat penalties and later end up paying higher premiums.

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Time Management Tips for Baby Boomers and Seniors

Most of us lead a hectic lifestyle – even when we get older. A rising number of seniors are adding various activities to their day-to-day schedules. Even though certain events, volunteering opportunities, and other similar activities can be a good way for adding an exciting layer to our lives, often times we allow our schedules take control of our lives instead of the opposite. Thus, time management is a crucial step – even if you are baby boomer or senior.


Below are 6 easy to follow ways for organizing your time to avoid fatigue and burn out and also balance your hectic schedule:


Prioritize Daily Tasks


It’s crucial that you prioritize your daily tasks the night before. For this, it’s best to note down your next day schedule on a weekly calendar or even a notebook. Your goal here should be to prepare a schedule such that it does not seem like a burden to your body.


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In the present day scenario, it has become crucial than ever to utilize your time wisely. Getting a minimum of 7 to 8 hours of good sleep each night, following a balanced and healthy diet routine, and working out 2 to 3 times each week for a minimum of 20 minutes can all help you stay fit and focused in the long run. An odd vacation to the destination of your choice can also promote a healthy body & mind.


Some Things Need to Wait


Obviously, not every single thing needs to be completed in the present moment. Certain things can wait till tomorrow or even the upcoming week if possible. By marking every single thing which comes to your table as urgent, you’ll most likely be exhausted before the day ends.


Time Management


The thing is, each person is his/her own time-keeper. It’s up to us how to utilize the time we have efficiently & effectively when faced with a lot of things at one time. Although, it is important to share some time with others, however it is important to be good to yourself likewise.


Last but not the least, say, “No” whenever possible. It can be difficult at first, but at times we simply have to say no. Even if you don’t wish to offend anybody that you might want some assistance from in the upcoming period. However, you might run the risk of getting so overwhelmed that you fail to meet commitments.  At this point in your life, you just need to be realistic despite others thinking you have plenty of time as “You are retired” right.

Compare Medicare Advantage Plans

With Medigap, federal laws mandate uniform coverage for plans of the same name. The beauty of this system is that your selection of a preferred plan is reduced to the task of learning how to compare Medicare advantage plans.

Imagine a situation where all healthcare insurance companies had a free hand in developing their own medical coverage plans; it would have been a painstaking effort to objectively select the best plan out of very many possible options. Instead, Medicare advantage plans can easily be compared in the status quo simply by looking at the premium pricing schemes currently in place.

There are two things you need to remember to be able to objectively compare Medicare advantage plans: the typical pricing strategies used by companies when calculating premiums; secondly, the means through which you can run an objective comparison.

For the first count, the methods used by companies to calculate premiums are mostly known methods. These include the attained age-rated premiums, the community-rated premiums, and the age-rated premiums.

To easily differentiate: regardless of the age of buyers, community-rated premiums are priced the same way. In contrast, age-rated premiums vary depending on the age of the beneficiary with older customers getting charged more for their healthcare plans. Attained age rated premiums vary on a yearly basis as the age of the customer increases.

Some plans like those at  https://www.medicareadvantage2019.org/   might benefit you more than others: it depends on your situation, though sometimes it is can be really hard to differentiate them. Older customers are favored more by community-rated premiums while age-rated premiums are more beneficial to individuals who purchase Medigap at age 65.In the same vein, the value of age attained rated plans vary according to the type of plan.

To be able to compare Medicare advantage plans, there are a variety of strategies you can use that would help you put things into perspective. Consider these inputs and tips:

The best way to learn about the true Medigap prices is to find out from companies and request for a quote. At the beginning, you can reduce your choices so you do not get 15 quotes from 15 different suppliers. Rather, a good rule of thumb would be 5 to 7 for price quotes you can use as a basis for making a decision.

You can also do a research online. There are websites that can do a rough comparison of many companies within your area. Though these are not very accurate, it gives you a rough estimate for the premium pricing.

You can also talk to healthcare agents of government to help you narrow down your choices. The agents are given the mandate to help you find the best options at the least price possible. You can take advantage of this resource to select the one that’s right for you.

It is beneficial to compare Medicare advantage plans before you choose a particular policy to buy. Bear in mind that the most important goal that you can hope to achieve with this exercise is to balance coverage with price.

Dehydration in Seniors: Important Things to Consider

A huge range of medical problems may lead to dehydration. Taking into account the fact that the human body is made up of 50 percent to 65 percent water, this component is essential to virtually every single physical function in our body. Every system in our body relies on water, hence a shortage of this vital fluid can naturally result in serious consequences to our health.


Dehydration is, in fact, one of the leading reasons of hospitalization in seniors who are 65 or above. Worse, according to some studies, around one-half of the people hospitalized due to dehydration died inside 12 months of admission.


Senior citizens are at the highest risk for suffering a dehydration since the system which normally activates thirst loses its sensitivity with age. Furthermore, as you age, the amount of water in the body reduces leading to dehydration more frequently. The fluid lost due to fever or diarrhea typically affects your regular eating patterns. As humans, we can lose water in several ways.


Some of the body’s initial symptoms when it comes to dehydration include:




Dry nasal regions

Reduced urine (i.e., more yellow and concentrated).


Dry mouth and lips



Light-headedness when standing


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Easy to Follow Remedies to Prevent Dehydration:


As with any medicine, prevention can be a crucial step when treating dehydration.


Fluid replacement can be a good treatment as well. These include water, soups, juice, Popsicles, puddings, milk, Kool-Aid, ice-cream, etc.


Reduce or completely stay away from dehydrating beverages like tea, coffee, or soft drinks. Know that even decaffeinated soft-drinks might result in dehydration. Stay away from alcohol intake as well as they can further increase the possibility of dehydration.

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In case you tend to drink unhealthy beverages, you must add plenty of water to your regular total since the dehydration due to those drinks need to be compensated with increased water intake.


Eat plenty of veggies and fruits that contain lots of water.


Drink water throughout the day in small proportions. It’s not wise to drink 64-ounces of water at one go.


Most seniors must start restricting fluids 1-3 hours prior to bedtime.


Seniors with diarrhea & vomiting must modify their eating habits and take medicines which can control the symptoms and the loss of water. Ibuprofen or Acetaminophen are good alternatives to control fever.


If the person becomes lethargic or confused with is uncontrolled fever, diarrhea or vomiting; or if you see any specific symptoms, medical assistance should be taken immediately.


Working as a retiree

Retirement does not necessarily mean that you have to completely stop working. Recently, there has been a trend in the U.S in which a lot of seniors who already retired, choose to continue working, because they really love what they do or they want to have an extra income. If you are thinking about working as a retiree, in this article you will find some advice about it so you can decide if it is actually for you.

       Try phased retirement

In case you don’t want to stop working immediately, but you do want to be work-free in the future, phased retirement may be an option for you.

Being a person who has worked in a company for years, means that you have a lot of experience and knowledge. A lot of employers often do not want to lose employees with these characteristics, because it usually means replacing you with someone not as experienced as you.

Some companies prefer to offer “phased retirement” and even though it is not an option everywhere, more employers are adding this option for their senior workers. Phased retirement means that you will gradually leave your work by having to work less. This may be through fewer work hours, less work days per week, longer vacations and/or fewer responsibilities. You can also become the mentor of a new employer while working, so they are ready to take your place once you leave.

Talk to your boss and ask him if there is a way in which you could do this. This way, you will still contribute to your future Social Security benefits, you will keep saving money for retirement and you will have less workload at the same time.

Consider the pros and cons

After you retire, you may be able to find another full-time or part-time job, but consider pros and cons before you make your decision.

Of course, you will have an extra income and you will not depend entirely on Social Security or pensions. You also keep yourself active, as you will still have a routine, you will socialize at work, meet new people and feel like you have a purpose.

However, take into consideration that working also comes with some expenses and you will have to pay for income taxes. Make a budget after taxes and consider expenses like transportation, clothing and meals. This way you will see if it is worth getting that new job.

Be extremely careful if you are considering working as a retiree before your full retirement age. Remember you will have to completely pay for your health care costs and finding a new job with a good health insurance or program can be difficult.

Also, many pension plans calculate what you will receive in the future based on your salary while you were working, so if you decide to trade the position you have nowadays with a part-time job that pays you less, you will affect the amount of money you will receive for your pension.

If money is not your main concern, try volunteering!

      Giving back to society is often a reason why a lot of seniors keep working as retirees. You can work in your community or volunteer for a social project that helps people that need it.

This way, you may not receive a lot of money or any money at all, but you will feel satisfied with what you are doing, you will meet a lot of new people and you will have a good reason to get out of your house.


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How Does Medicare Work

Medicare is a government program open to seniors 65 years or more established or to certain incapacitated Americans. It has different segment programs that cover various individuals.


As a rule, Medicare beneficiaries are in the low center wage to low wage levels. Since they have restricted means, these beneficiaries regularly think that its difficult to pay for every one of their drugs so they will either skip taking the medication or skip on foodstuffs or other life’s basics.


To help mitigate this specific issue, the government has a few assets accessible to Medicare beneficiaries. For instance, the Social Security Administration says,


“Medicare recipients can qualify for Extra Help with their Medicare doctor prescribed medication plan costs. The Extra Help is assessed to be worth about $4,000 every year. To qualify for the Extra Help, a man must get Medicare, have restricted assets and salary, and dwell in one of the 50 States or the District of Columbia.”


There are joins toward the finish of this article you can use to peruse the full insights about this program. Exploit all the data they give.


Trust it or not, the government needs every beneficiary to get every one of the benefits they merit. They urge individuals to discover and select in government, state, neighborhood and private programs that assistance pay for physician endorsed drugs, service charges, dinners, human services and different needs.


For instance, individuals who require enable paying for nourishment to can select if the Supplemental Nutrition Assistance Program (SNAP). The national government has renamed the previous elected Food Stamp Program. SNAP helps low-wage people and families purchase the sustenance they have to keep up great wellbeing.


Their opening section wholes up their central goal thusly:


“There are programs that assistance a huge number of individuals with Medicare spare cash every year. States have programs for individuals with restricted salary and assets that compensation a few or the greater part of Medicare’s premiums and may pay Medicare deductibles and co-insurance.”


Visit this site and tap on your home state and see what is accessible to you. Ideally, you hit the big stake and get all the guide you merit.


Basically on the grounds that you are a low wage or destitution level wage individual doesn’t mean you are without means or assets. The above programs are set up to profit you and ideally make your life somewhat less demanding.  You can also get a supplement plan to help with the cost. It is good to learn more about Medicare Supplement Plans 2018.

4 reasons why you should renew Medigap

Having a health insurance has become one of the main needs of all people around the world. It is very important for those who know that this is what will save their lives when they are faced with an emergency situation which requires activating their insurance to cover all expenses that arise.

However, it is not a secret to anyone that when you get to deal with the insurance advisor he will explain that the policy will not last a lifetime but has a validity which varies depending on the plan, but usually lasts a year. That is why you should always be aware of the months in which your insurance is going to expire.

Even so, there is a great option that the experts recommend with regard to the Medicare Supplements Plans so you can continue having them. We are talking about the renovation. Yes, as you read it. When you buy which Medicare Supplement Plans 2019 you have the option to renew it when it is about to expire and today you will know 4 reasons why you should do it.

  1. Greater Coverage

When you renew your Medicare Supplements Plans you will extend the coverage of your initial plan for much longer, so you will have the opportunity to be much more protected for longer so that when you are caught by an emergency you are not so disoriented. In addition to that, they may give you an extension larger than the year with which you started.

  1. New Benefits

When you go to the offices to renew your policy of any Medicare Supplement Plan, the advisor will welcome you with open arms. During this appointment, you will see that with this renewal you will not only get the initial benefits of when you acquired Medigap for the first time, but you will also have new ones which will be much better.

Among these benefits, you can find co-insurance payments and new monthly premium amounts that will be much more affordable than any other previous amount. All this you can only know when you go to renew your Medicare Supplement Plan.

  1. 3. Data Update

Just at the time you renew and sign the new contract, you must update your data and this is one of the biggest advantages you can find. Because of the fact that in a year many things can change in your life. From some writing error in the initial policy to something new that you want to adhere to your information, you have the opportunity to do it when you go to renew.

  1. Extension of everything you had

The biggest advantage that people see in the renewal of Medicare Supplements Plans is that they can continue to have the initial benefits with those who fell in love with this entire health program. Most retirees always choose to renew because of this because they feel totally safe.

Now that you know the reasons why you should renew your Medicare Supplement Plan, What are you waiting to go to your insurance advisor?


Types of Exercises for Seniors

The prospect of regular exercise can be the difference between living an independent life and being in a need of someone else to take care for you. This is especially important in the case of the elderly people. However the concept of staying active is broad and nonspecific. That is why, a more detailed instructive approach is needed.
According to various fitness experts, there are a specific exercising areas that can be beneficial for the health of the seniors.

The aging process is characterized with significant Muscle loss. A strength exercise  program can be a unique way to combat the ongoing process of muscle loss. The muscle loss generates weakness. It can also lower the aerobic exercise capacity and bone structural density. Strenght training is not only a shield from these threats, but can also have an optimizing impact on the spirit of the seniors.

Flexibility and Stretching
Many seniors tend to overlook the benefits of these basic exercising elements.  Dr. Mark Caruso recommends these exercises should be done two to three times per week. The Stretching exercises help in maintaining a broad range of motions and freedom of movement. Also it increases the blood circulation and helps the body to work properly.
Cardio training
Getting a cardio training on daily basis can provide significant benefits for the seniors health. The first and foremost, it can help in keeping the weight down. Getting your heart rate up, whether you’re on a machine at the gym or going for a walk in the park, can help keep your weight down. In the same time, the Cardio sessions can be the primary shield from cardiovascular diseases. Cardio activities can include Brisk walking, garden activities or walking and hiking.
Balance training
It is well documented that many seniors suffer from falls. Falls are the main cause of injury among adults over 65. By working on exercises to maintain the level of balance, the leg muscles are becoming more solid and their withstanding ability is increased. Balance exercises are crucial for maintaining independence and preventing falls.

It is also recommended that seniors use light weights, even as low as 5 pounds, and do squats or leg presses three times per week.

Group Exercise

Group exercise promotes social support. It also helps in developing new friendships and relationships. Seniors can share tips on exercise and dealing with the daily challenges. When exercising in a group, elderly people feel like they are part of something. This can have a significant influence on their emotional, cognitive and social well-being.

The aging process can be complex and full of challenges. While some health obstacles are inevitable, there are certain ways that can be avoided. By being part of the above types of exercise, the elderly people can slow down the muscle losing process. Also, by being part of daily exercise, elderly people can improve their overall health and spirit.

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What is Part C of Medicare?

Medicare is a great health program created by the federal government and that has been giving a lot of results due to everything it is able to do for people. Medicare Insurance has been reinventing itself little by little and now it has created part C and it works as a special modality that is totally different from Original Medicare, nevertheless, it includes the same services.

This is why now Medicare is very capable of covering beyond what it originally covered and that is why people have it as their main insurance for any medical emergency. With this part C now everything is possible and more with everything you can add.

The creation of this part C goes back to the fact that there were several things that both Part A and B did not cover. When a person was hospitalized, there were often many expenses that the original part of Medicare Insurance did not cover and then the family had to cover all expenses.

Because of this, Medicare Advantage was created, also known as Part C or MA Plans. As such they are offered by private companies, authorized by the Medicare administration after fulfilling a series of requirements. These plans have the particularity that they include the benefits of Part A and also those of Part B only that they do not come directly from Medicare but from Medicare Advantage.

From that is where the differences begin to see. It is known that there is an Original Medicare which does not cover some things, these are the ones that are normally acquired through the traditional inscriptions. However, if you go to a private institution they will give you these plans from part C.

Going further, one of the characteristics of Medicare Advantage is that it can charge different things from your pocket that you request but are not part of the contract that you signed at the beginning. This happens since there are different plans within this C you can choose from and not all cover the same.

Depending on what you choose, your Medicare Advantage may cover both dental insurance, cosmetic surgeries or a vision test outside of those requested for an emergency. This is where you begin to notice the difference since the original Medicare Insurance plan does not give you different service options but there is a standard for everyone.

Obviously, Medicare Advantage is a bit more expensive in terms of the premiums that you have to pay. And this is because it includes many more things. One of the main ones is that it is almost mandatory to include part D of Medicare Insurance referring to medications.

With both Part C and Part D, you are already supported by everything Medicare can offer you. You have the option of Hospital Insurance, Medical Insurance and also Drug Recipes. Since in case of any treatment you can request them through Medicare.

Hurry up to get this part C that Medicare Supplement Plans 2018 has for you.

All you need to know about Medicare Supplement Plan N

Cigna medicare supplement is one of 10 institutionalized Medigap plans accessible in almost all the states of USA. Like other Medigap coverage, this plan assists with specific costs that Original Medicare doesn’t cover, including cost-sharing costs that you may have for hospital’s services or specialist visits. Like other Medigap designs in many states, Plan N offers institutionalized advantages. This implies you’ll get the same for Plan N no matter where you live or which insurance agency you buy the plan from.

Benefits of Medicare Supplement Plan N:

  • Medicare Part A inpatient health center coinsurance and clinic costs up to 365 days after Original Medicare benefits are depleted
  • Medicare Part A deductible
  • Medicare Part A hospice care coinsurance or copayment
  • Medicare Part B coinsurance or copayment
  • Initial three pints of blood for a medical procedure utilized as a part of a year
  • Facility of the skilled nursing care coinsurance
  • Foreign health care (up to 80%)

Medicare Supplement Plan N Cost:

Individuals enrolled in Plan N will, in any case, be in charge of cost sharing in specific circumstances. You may need to pay a copayment of up to $20 for specialist visits and up to $50 in the event that you go to the emergency room and aren’t admitted as a clinic inpatient. Also, Medicare Supplemental Plan N doesn’t cover the Part B deductible or any Part B excess charges, so you’ll be in charge of paying these costs yourself.

As specified, benefits for Plan N are institutionalized, so advantages will be the same for this plan everywhere. In light of the fact that Medicare Supplement plans are sold by private insurance agencies, costs for each plan may vary by area and the agencies.

In case you’re thinking about a Medigap plan then it’s imperative to focus on not only the cost of premium when you first join the plan but you also have to pay attention on how the insurance agency costs (or “rates”) its premiums.

Medigap insurance agencies may utilize one of three methods to set their premium costs: age-related issues, community-rated or attained-age-rated.


  • Age-related issues: Plans base the premiums depending upon your age when you initially enroll or “issue” your Medicare Supplement plan. Premiums don’t increment with age.
  • Community-rated: Plans charge the same premiums for all recipients, paying little respect to age.
  • Attained-age-rated: These plans base the premiums depending upon your present age, and premium costs increment as you get older. These policies can frequently wind up being the most costly over the long haul, since costs run up with your age.

So, Medicare supplement plan N premiums may differ contingent upon the method that the insurance agency uses to set its costs. Remember that all insurance agencies may raise premium expenses to adjust the inflation no matter what the pricing method is. Ensure you understand how the insurance agency rates its premiums so that you have a precise idea of the amount you’ll pay for your Medigap plan both now and in future