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.

Make sure you have good health insurance, click here for www.medigapplansguide.com/faq/ for more information.



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

Insurance Tips on Getting Divorced

Married couples completely depend on the health insurance plan of one partner. But, as you get divorced or the divorce comes in the middle ages, you must make new plans as coverage.


Your Divorce settlement should include Insurance

In case you are on your spouse’s plan receiving health coverage and you get divorced means you can put that requirement in the settlement so that you continue to receive the coverage from your former spouse for your children and you.


Even in case the situation is just the opposite. You are filing a divorce and are the one having a health plan covering your spouse. Bear in mind, after getting divorced, you will have to pay additional premium for your children and ex-spouse.



Getting divorced is a hard time for the partners. Yet, when things are unavoidable and you get divorced, there are options for you to enjoy the health coverage for a temporary period of time through a law referred to as ‘COBRA’.


If your former spouse is working with a company having at least 20 employees and his insurance is through his employers, COBRA allow you also to stay on the same plan for a period of 36 months. This is effective unless you enroll or remarry into a new Medicare supplement plans.


The fact cannot be denied that insurance is expensive through COBRA. Actually, it allows you to stay on your spouse’s former plan, but you have to pay all the monthly premiums by yourself, without the employer’s contribution. So it is very important to know what the premiums are and figure out your budget once you are divorced.


Also, to avail the coverage from COBRA, you must inform the health plan administrator within 60 days of your legal separation or divorce proceedings.


Plan with employer


In case you are employed, it may be less expensive to sign up with the plan of your employer, than paying for the Medigap plans premiums of your ex-spouse by the plan. While most plans fail to permit employees to make changes or join to offer coverage outside the yearly period that is referred to by Medicare supplement plans as open enrollment, there may be exceptions made for life changes and this also includes divorce.


Ask the human resources department and get the details with regards to post-divorce coverage and also confirm the period the cover will be available, the term period it will last. If coverage can be arranged under that plan, ensure to understand the premiums cost that you need to pay.


Medicare When You are Married, Divorced, or Widowed

Good news is that Medicare Supplement Plans do not change even with your marriage. There is no difference whether you are married already or are planning to get married or if you are not any longer married.  Yet there are certain things you must know.


Medicare when Married

The Medicare Supplement Plans coverage for a husband and wife may be different certainly. Luckily, Medicare has no family plan, it is all individual plans. Yet, you must be eligible and this is depending on the work history of your spouse. The Medicare for a husband and wife’s coverage does not start at one time, so they need to enrol separately in Medicare, such that one of you may sign up first.


As it excludes family plans and there is no feature of couples getting special rates in Medicare, you will pay the same premium that you have been paying individually. Now, here are something about the costs you must know:


  • Medicare Part A, permits hospital coverage, but no cost to be paid monthly for people who have a spouse who is eligible for social security. However, the Medicare other parts have premiums.
  • Medicare Part B, the medical coverage for outpatient is available, besides the premium is on how much you both earn together. You will pay more for Medicare each month, depending on the more you make.
  • Part C includes Medicare Advantage, such that you and your partner will pay individual premium, copays and deductible. A Medicare Advantage plan issued by a private insurance company now offers you Medicare Part A and B services, while a separate premium is charged and you are eligible for prescription drugs as benefits. You can enroll only when you are eligible for Medicare. However, there is a 7-month period that begins three months prior to turning 65 and ends after 3 months of your birthday and the birthday month or during open enrollment annual period between Oct.15 to Dec 7.

Find out more about open enrollment https://www.Medisupps.com/medicare-supplement-plans-2019.

Medicare for Widowed or Divorced

If you disqualify for free Medicare Part A based on the work history, you always can qualify depending on the work history of your spouse, even if you are divorced or widowed. If divorced, your marriage must have been for at least 10 years. When you are 65, you become eligible for free Part- A Medicare based on your former spouse, as long as they have a 10 years working history and have paid Medicare taxes duly. You can apply online for Medicare or through local Social Security office before three months of your 65th birthday. However, the premiums must be paid by you for the Medicare coverage for other parts.