Medicare Insurance Plans Vs Medicare Advantage

Medicare Insurance Plans Vs Medicare Advantage

Supplemental Medicare plans and Medicare Advantage, in addition to the federal program, are the 2 options that senior citizens have for insurance. Although there are certain similarities, these plans generally have wide differences and should be considered separately to determine what is best for each individual. In many situations, if you can qualify for a doctor and sign a Medigap supplement or plan, it will be very lucrative.

The simplest manner to comprehend the disparities is to understand that Medicare Advantage will make payment in lieu of Medicare, though additional policies will cover premiums after Medicare. The Medicare Advantage policies are the privatized type of the federal government program and replace them (although you will still be registered in the policy of the government, it does not offer any benefit). The supplements, on the other hand, are intended to fill and integrate the deficiencies of the government program. If you are a veteran with health problems or if you think you should go to the hospital or need other medical services, consider seriously contracting a health insurance policy.

Although the first cost may be a little higher, Medicare coverage will be cheaper in the long term than the Medicare Advantage policy, which is an alternative option. Thus, the best long-term solution for your physical and financial health is finding the right Medicare insurance for your particular situation.

Medicare Advantage can help you reduce your costs if you need to visit your hospital or doctor from time to time. However, you will run a risk if it depends on that. The unfortunate thing is that, you will not know when you require other medical care or when you need to visit the hospital. The monthly premium may be considerably less than an additional Medicare policy, your co-payments and franchises tend to be more expensive if you need to consult your doctor or other specialist. Basically, with United Healthcare Medicare Advantage 2020 @, you bet that you will not get sick in the near future, and why would you play such a risky game with your health and your bank account? There are many reasons why supplements are generally more beneficial than benefit policies. Here are some of the reasons:

  • Supplemental plans may apply to any physician who enrolls into the federal plan. Meanwhile, many Advantage policies have hospital/medical networks that allow patients to register. In certain areas, these networks are not well developed, hence, you can walk for miles to see a doctor.
  • Supplemental plans do not include cost sharing. Many policies provide for a 20% insurance not covered by the federal program and a deductible (or both). Advantage plans, on the other hand, use cost sharing (ie, franchises and co-payments) as part of their contracts. Most Advantage programs have a co-payment of US $ 15 to US $ 40 in the doctor’s office, as well as a daily hospital for the first 5 to 10 days and are deductible for admission and / or payment.
  • The insurance is not modified annually for supplementary plans; since 1992, they are uniform throughout the Federation. The advantage contracts, however, change every year and, often, in recent years, these changes are assumed by the subscribers.

Tips for Eye Health in Individuals Over 65

Tips for Eye Health in Individuals Over 65

Elderly individuals over 65 are more likely than younger people to have glaucoma, and are more likely to be blind or visually impaired due to glaucoma. Besides, adults over 65 are less likely to be treated completely for glaucoma. Furthermore, cataract is also more common in people who are 65 and older. There are also other age-related eye conditions that seniors across the world are struggling with. There are also eye injuries related to falls in adults. In fact, most eye injuries in seniors are caused by falls, so make sure you possess Humana Health Insurance 2020 at  which mostly occur at home. Eye injuries can lead to low vision, and you may have difficulties recognizing faces, shopping, reading and so on. The following tips can help you a great deal in ensuring good eye health as you grow older.

  • Use protective eyewear

Almost all eye injuries, whether related to falls or not, can be prevented effectively by wearing protective eyewear. So, it is important that you have a pair or two of certified safety eye glasses on hand.

  • Reduce the risk of falls

Falls typically become more likely as we grow older. This is mainly due to changes in balance and vision. Take necessary measures to reduce the risk of falls at your home to reduce chances of eye injuries. You can do this by ensuring that all rugs and tub/bath/shower mats are slip-proof. You should also secure all railings to ensure that none of them is loose.

  • Have quality sleep

Sleep is a very important part of life and it helps a great deal in ensuring that older adults have healthy eyes. As you sleep, your eyes enjoy continuous lubrication. Besides, during sleep, your eyes clear out any irritants such as smoke, dust, or allergens that may have accumulated in the eyes during the day.

  • Expose your eyes to natural light

Based on studies, light-sensitive cells in our eyes are vital to our ability to control our wake-sleep cycles. As we grow older, this becomes more crucial as most people tend to have problems with insomnia. Of course, you should protect your eyes from over-exposure to ultraviolet light rays. Nevertheless, your eyes still need exposure to a moderate amount of natural light on a daily basis to help maintain the normal sleep-wake cycles.

  • Exercise

Exercise is important in almost every aspect of your life and health. Your eyes need good circulation as well as good oxygen intake. These are stimulated by exercising regularly. Enjoy recreation and sports, and engage in gentle exercises such as breathing, stretching, walking, or yoga.

Uses of Lavender Oil for Seniors

Uses of Lavender Oil for Seniors

Lavender oil is one of the few essential oils that can be used undiluted. It can even be applied on damaged skin.

Uses of Lavender oil:

Lavender oil is used to treat a variety of different ailments, from skin diseases to sleep disorders in seniors, and has virtually no side effects.

Natural relaxation:

Possessing the excellent property of soothing nerves, lavender will help you to fall into a blissful sleep.

If you want to have a good night and sleep well, take a warm bath with a few drops of lavender essential oil.

Apply a few drops of lavender oil to your temple and wrists to get rid of stress and anxiety.

To quickly fall asleep and sleep peacefully, put a few drops of oil on the pillow or put a small bag of lavender seeds under it.


With a strong tonic effect, lavender restores fat balance and promotes healing of scars.

To treat cuts, insect bites, bruises, and bruises add a few drops of lavender oil to a cup of water, soak a cotton swab in it and rub the damaged area of skin.

For skin lesions, make compresses with a soft, warm cloth. This will help relieve pain and avoid the appearance of scars.

Relieving recurrent pain:

The relaxing, anti-inflammatory and analgesic properties of lavender make it an ideal oil for relieving recurrent pain and related stresses.

To relieve recurrent pain, rub lavender oil in the lower back and lower abdomen. This will help and maintain mental balance.

To alleviate emotional symptoms, mix lavender oil with a solution of noble chamomile and apply it to your wrists. It will have a beneficial effect on all well-being in general and lift your spirits.

Historic usage of lavender:

For centuries, lavender has been used for mystical purposes.

The Celtic Willow Moon month is dedicated to the sacred smell of lavender (from April 15 to May 13). Lavender, collected during the full moon, has enhanced magical properties.

The Romans burned lavender on hot coals so that it’s magic smell would protect the young mother and her newborn child.

The ancient Greeks dedicated lavender to the goddess Hecate – patroness of witches, sorcerers and witchcraft.

Medieval monks carried with them sprigs of lavender in order to scare away evil spirits. About Medigap Coverage: Humana Medicare Advantage Plans 2020 with help the elderly cover stuff like the deductible and copay.

Why you should consider saving your Finances in a fixed account for some time

Why you should consider saving your Finances in a fixed account for some time

A fixed account is a personal or individual bank account which a person can deposit his retirement finances and you will not be allowed to withdraw until the agreed period has been reached. With that idea, if you are a senior who is almost hitting the age of 65, it is important to consider saving a huge percentage of your finances for two or three years after your retirement at the age of 65. When you are approaching 70, it is advisable to withdraw your money and invest but not all of it. There are a number of reason why putting your finances at a fixed account is necessary.

Saving in the fixed account gives you time to think

The best financial advice you can get from a sincere expert is “take your time before you invest”. That means that as soon as you receive your retirement finances, it is important to allow your money to rest for a while. The reason behind this is that rush misuse and use of your retirement finances could drain your retirement finances and leave you empty handed. It is therefore important to give yourself time to think about what you need to do with your money but you need to take your time and this begins with saving your money in a fixed account. Save money and get a 2020 medicare supplement quote here

Fixed account savings gives you time to consult

Consultation is a very important factor for seniors at the age of 65. Why should you consult? Consulting does not entirely mean that you need to seek expert opinions but you may also seek advices from seniors who have handled their finances and have come out victoriously. When consulting, you money should be sitting idle in your account. As you listen to people talk about their experiences, you will certainly come up with a perfect way to handle your finances. Consulting before taking a financial step with your retirement benefits is very crucial.

Financial institutions are a source of ideas

Whenever you request to save your money at a fixed account, you will agree with me that the financial institution keeping your money will keep asking you what you want to do with your money. In some cases, they might come up with ideas for you to decide. Eventually, your senior retirement money will find good use.

What Is Budget And Its Importance In Finance

What Is Budget And Its Importance In Finance

What Is Budget?

Budget is nothing more than making a plan of how and where to spend your money. This plan is called as a budget.

Why Budget Is Made?

The budget can be made for different purposes. It makes people get some answers to common questions such as:

  • How much money do I have?
  • How can I spend effectively?
  • Do I need to save?
  • What are the areas in which I should consume?
  • Can I survive with this money or do I need more?

How Budget Can Be Proved Helpful?

The budget can be proved as really helpful in cases when you do not have enough money to spend. A suitable budget allows you to live accordingly.

What Is The Importance Of Making A Budget?

Making a budget is really advantageous when:

  • You have less money.
  • You do not have enough sources.
  • Your needs are more than the money you have.
  • You have to make a plan.
  • You need to prioritize your needs.

Creation of the first budget can be a problematic thing as you are not much aware of all the needs. But, once you are done with your first budget, you will be mastered in that.

How And When To Make A Budget( Budget Forecasting)?

Start making a budget for one day and then extend it to week, then a month and finally to year. In this way, you will be much aware of the fact that which things do you need and how much you have to spend on them to achieve a balance. This is called budget forecasting.

Why We Need Budget Forecasting?

It simply makes financial processes smooth and hassle-free.

Making plans and budgets can even help you in recreation activities like:

  • You can save money on holiday trips.
  • You can buy additional accessories.
  • You can buy a new home, vehicle or expensive gift for your parents.
  • The most important thing is that you can have enough money for emergency situations.

What Long-Term Budgeting Can Lead To?

Short term financing budget becomes even more helpful when it switches towards long-term financing budget. Ultimately, you can achieve the most desired things and goals just because of proper budgeting. Find out about supplement plan F here


No one is born with a golden spoon in mouth. Everyone needs proper planning if he/she really cares for his/her future and wants to achieve something in life.

Anemia in the Elderly: An Overview

Anemia in the Elderly: An Overview

According to research, anemia in the elderly is a very common ailment, as it occurs in 40% of elderly people. The major signs of anemia are lethargy, weakness, dizziness, pallor, confused consciousness. If the elderly person has it all, most likely he/she has anemia. The disease manifests itself when the hemoglobin and the number of red blood cells decrease in the blood, as a result of which insufficient amount of oxygen enters the tissues and cells of the body. After the age of 65, the risk of anemia increases. In old age, you should monitor your physical condition more closely, donate blood for tests, even if there are no health problems at first glance.

In older people, anemia develops in the same way as in other age groups. In elderly patients, the disease is caused by a lack of iron, vitamin B12 and folic acid in the body. The rate of mortality and other serious deteriorations is high in patients aged 60 years and older. Often the disease is underestimated since there are no clear criteria for its identification. Anemia is set if it is found that hemoglobin is less than 130 g/l in men, less than 120 g/l in non-pregnant and 110 g/l in pregnant women. But these figures in the aging process are not clear, and therefore the disease in the elderly is often hard to identify during its initial stages.

In elderly patients, the rate of mortality increases when the level of hemoglobin goes below 137 g/1 in men and 126 g/l in women. Optimal rates should be 140–170 g/l and 130–150 g/l, respectively.  Anemia in the elderly may also lead to other serious consequences:

The probability of diseases of the heart and blood vessels increases;

Cognitive impairment occurs;

Reduced physical performance and quality of life;

The risk of fractures and falls increases.

If a person is sick with anemia, the period of hospitalization increases, the risk of dying from disorders of the heart and blood vessels increases. The disease can also be an early sign of a malignant tumor that has not yet been identified.

Medicare Advantage Plans: Today, you can pick from ten types of advantage al plans for seniors distributed by private insurance agencies.

Will Medicare F supplemental plan be deprecated?

After signing up for Original Medicare Part A and B, many people also choose Medicare Supplement Plan, also known as Medigap to cover the cost of Medicare, such as co-insurance, co-payments and deductibles. About a fifth of Medicare beneficiaries age 65 acquired a Medicare supplement directive in 2010; so reports the Kaiser Family Foundation (KFF).

Out of the over 400,000 beneficiaries included in the Medigap in 2010, over half of them had either Plan C or F, as reported by KFF. Out of the ten complementary Medicare plans available in most states (A, B, C, D, F, G, K, L, M, N), Plan C and Plan F are the only two complementary plans of Medicare available Part B coverage of Medicare deductible. Plan F is one of the most complete Medicare supplement plans available. In addition to the Part B deductible, it also covers:

  • Medicare Part A Deductible
  • Medicare Part B in excess
  • Part A Hospital costs and co insurance cost about 356 days after Medicare benefits have run out
  • Part B coinsurance or additional payment
  • The first 3 pints of blood used in an approved medical procedure (annually)
  • Part A Hospice or coinsurance
  • SNF Insurance (Specialized Nursing Facility)
  • Emergency medicine for trips abroad (80% up to the limits of the plan)

Among the standard Medicare supplement plans, Plan F may have the lowest cost of Medicare expenses and possibly the easiest way to budget for your health care expenses.

Will the Medicare F Supplemental Plan be suspended?

Access to Medicare and the 2015 CHIP Reauthorization Act (MACRA), passed by Congress and enacted on 16th April, 2015, has modified the law in several areas of health care, which include some Medigap plans.

The new law requires that beginning January 1, 2020, a Medicare supplement policy that covers the Part B deductible cannot be sold or issued to a newly registered Medicare beneficiary. This means that people who have a birthday on December 31, 1954 (65 years on December 31, 2019) may be the last group to enroll in the Medicare Supplemental Plan. You can not sign up for the Medicare supplement after January 1, 2020. Plan C is one of the following alternatives to plan F, because it also covers the deductible of Part B. If you have Plan F already, you can hold on to it. The law only affects new entrants.

The good news for participants who buy a Medicare Supplemental Plan after January 1, 2020 is that the Part B deductible, which is not included in their plan, is not among the largest health care costs in the world of Medicare The deductible for Part B will be $ 183 per year in 2018. The deductible for Part A is about seven times more than that amount. Nearly all standard Medigap plans present in many states, apart from Medicare Supplemental Plan A, can still cover at least 50% of the Medicare Part A deductible, which will be $ 1,340 for each period of service in 2018.

If you cannot enroll in either Plan F or Plan C, you may consider purchasing the Medicare Supplemental Plan G, as it covers all Plan F plans except the Part B deductible.

When can I cancel my Medicare supplement plan?

When you were first eligible, you may have signed up for a Medigap plan since you are aware that conventional Medicare does not have an upper limit and you are concerned about your Medicare spending. A Medicare Supplemental plan can help cover some of the original costs of Original Medicare, such as: Co-payments, coinsurance, and deductible. However, your situation may have changed and you now want to cancel your Medigap plan because:

You are quite healthy and do not have much medical expenses. Probably your Medicare supplement plan does not cover many copayments, coinsurances or deductibles for you, and it seems unnecessary.

You have enrolled in a Medicare Advantage plan and you know that you cannot use a Medicare supplement plan to pay your Medicare Advantage premiums, copayments, and deductibles. The Medicare supplement does not work with Medicare Advantage plan.

Canceling your Medicare supplemental plan

There are no withdrawal periods or specific procedure to cancel your Medigap supplement policy. You may unsubscribe anytime you want. Simply contact your insurance company and let them know you want to cancel your policy. Your coverage may be delayed until the end of the month for which you have already paid and ends the following month.

Things to think about before canceling your Medicare supplement plan

It may be easier to give up your Medigap plan than to get it back. So carefully make a decision.

If you enrolled for Medicare Advantage, it is illegal for anyone to sell an additional Medicare policy to you unless you return to Original Medicare (Part A and B). This law is designed to protect you from purchasing useless insurance because a 2019 Medicare supplement plan will not benefit you if you have a Medicare Advantage plan.

Should you opt to cancel your Medicare Advantage policy, you will usually get Original Medicare if you are still eligible. However, you may not be eligible for a Medicare supplement unless you have a “guaranteed issue” or a “trial right”. If you choose Medicare Advantage, there is the option of trying a Medicare Advantage plan, but still enroll for a Medigap policy.

In general, you must exercise the trial rights within one year of enrollment in the Medicare Advantage plan.

Having guaranteed rights implies that an insurance company usually has to sell you a supplemental Medicare policy, covers all your existing health conditions and does not charge you for any health problems. Under certain circumstances, you can receive a guaranteed issue e.g:

  • You switch to Original Medicare as your Medicare Advantage plan has left Medicare
  • You change to Original Medicare as your Medicare Advantage stops caring for your environment
  • You are leaving the service area of ​​your Medicare Advantage plan and switching to Original Medicare
  • You are giving up your Medicare Advantage plan or the Medicare supplement because the insurance company has cheated or committed fraud

If you do not have guaranteed rights, a Medicare supplement insurance company may deny you coverage under your existing terms or charge a higher fee for a policy than you previously paid for the same policy.

In Home Calisthenics

If you don’t want to waste money on costly gym memberships or personal trainers, but value the importance of exercising, there are many ways to get a good workout in right from your own home. Always talk to your doctor first about exercise routines and any additional Medicare supplement plans you should look into.


Push Ups

Doing push ups is one of the single best exercises you can do that requires no equipment what so ever. You can get good exercise by doing as many as you can in one set, then repeating that a few times or until you can’t do them anymore. Or you can stick to doing a standard amount in a set, say 10 or 20, and immediately alternating with a different exercise for a set, and going back and forth. That’s known as a “super set” and they are great for getting your heart pumping along with the burn in your muscles.


If you’re unable to do full push ups from the balls of your feet, a good way to work your way up to that is by doing them from your knees instead. It may feel weird at first, but it will still be building up the muscles needed to perform a full push up.

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Air Squats

Most people hear “squats” and picture a large man with hundreds of pounds of weights on his back, yelling at the top of his lungs. You don’t need to be a body builder to do squats, you can simply squat the air, extending your arms out in front of you or over your head, and reap massive benefits from it. For an added bonus, grab any household item with some heft to it and hold that while you do it. It could be a large book, or a bag filled books or other things, or even a small chair or footrest if you’re able to grip it.

Sit Ups

All you need is a floor for this one. Simply lay down on the floor and, that’s right, sit up. There are also plenty of variations of the sit up you can do for even more benefit, such as laying back and doing leg raises. Like the air squats, you get an added bonus if you can find a household item to hold while you do these. Anything that will add a little resistance to the movement will yield greater results.

Home Exercise Tools

At retirement age, staying in shape is extremely important for your overall health. Working out doesn’t have to be difficult or unenjoyable, in fact, there are many ways you can get a great workout in right in your own home. Always talk to your doctor first about exercise routines and any additional Medicare supplement plans you should look into.


Medicine Ball

The Medicine Ball is a great and timeless exercise tool everyone should have in their home. They are fairly cheap and barely take up any space in your house. You can get them in various weights and sizes, from only a few pounds all the way up to over 30 pounds. They’re great for simply holding onto during the course of various exercises. You hold it during air squats, sit ups, lunges, going up steps, torso twists, rotating around your body, etc. Use it to add a little resistance during virtually any exercise that can be done hands free.


Yoga Mat

Many weightless, free weight, or calisthenic exercises you might want to do may involve putting your body on the floor. To focus on doing the exercise properly, and without causing pain to your joints or the bonier parts of your body, get yourself a nice foam Yoga Mat – even if you don’t plan on doing any Yoga. They’re cheap, roll up nicely for storage, and they’re comfortable. It may not seem like a lot, but it could make a world of difference on your spine when doing a sit up compared to a hardwood floor.

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Free Weights

Free weights don’t have to be extremely heavy, you can find them as light as about 2.5 pounds. Having a few different weight levels of free weights is great to add resistance to various basic movements or calisthenic exercises. Doing arm movements or body stretches, air squats, sit ups, etc., try holding some light weight while you do it. Similar to holding a Medicine Ball during exercises, but some exercises may be too difficult to perform with a large ball rather than a smaller free weight.


Pull Up Bar

If you can safely do pull ups, there are cheap bars that fit nicely onto the molding of your door frame. Some you don’t even have to drill holes for, they just rest on the frame. These bars are great for doing pull ups of course, but they are also great for hanging on or giving your muscles a nice stretch.