Do’s And Don’ts – A Simple Guide for Medicare Supplement Plans

Medigap plans, the complete solution of US government’s health insurance plans, have some rules. Before you purchase any Medicare supplement plans you must compare among all plans. It is a clever thing to do.

The basic comparisons among all Medigap plans:

Medigap facilities Name of the Medigap plans that have those facilities
Coinsurance and hospital care part A coverage Available in all Medigap plans
Hospice care in part A and also coinsurance or copayments Available in all Medigap plans but plan K and L is modified.
Coinsurance or copayments Part B coverage Applicable in A to N butNot cover fully in plan K & L
First three pints of blood Same as above
Medicare Part A deductible B, C, D, F, G, K*, L*, M, N
Medicare Part B deductible C, F
Part B excess charges F, G
Skilled Nurse Facility C, D, F, G, K*, L*, M, N
Foreign travel emergency care C, D, F, G, M, N

K* = 50% and L* = 70%

Now you know what insurance policy covers all gaps in your original health care plans.

What should you do before buying Medicare supplement plans?  Go to

About 40 states of the USA offer all ten Medigap plans. So these are some Do’s that you need to focus –

  • Compare all Medigap plans carefully and check your requirements that you need to cover additionally.
  • Check your state insurance policies. Sometimes not all Medigap plan offered by states. Apart from that, some states have extra additional and unique benefits for their people.
  • Choose a reliable insurance company. Sometimes private insurance companies offer discounts if you many family members buy an insurance policy from the same company.
  • Check which company offers the most unique deals.
  • Must apply for Medicare plan part A and B.
  • Enroll your name for Medicare supplement plans during the open enrollment session.
  • Check your monthly premium amount that needs to payable. Every state has a different premium range for different policies.

What shouldn’t you do?

  • Don’t go to the doctors and hospitals that don’t accept Medicare supplement plans.
  • Don’t choose the plans that you don’t need. (E.g. if you are not a travel person, you don’t need to buy plans that offer Foreign travel emergency care).
  • Don’t cross the time period of open enrolment session. If you cross it you might have to face some medical inquiries.
  • Don’t stop paying the premium. Because as long as you pay your plan will go.
  • Don’t buy if you are still under employer health coverage at 65.

Why do the Medicare Supplements Plans exist

The current world is completely connivance. It is very difficult to be all day taking care of yourself due to the thousands of constant threats that are around you. However, there are many things that no matter how hard you try, you can not prevent them and they just happen. Things like accidents, diseases, and viruses are inevitable and more in the current era. Even so, having health insurance our life has become a little easier.

When faced with an emergency that has to do with the health of our body, sometimes it is necessary that we are interned in the hospital and also that a series of studies be conducted to determine what is being suffered.

Many of the people who had to go through this situation were realizing that the expenses were much greater than what they could afford. The amounts were very large and some even went bankrupt trying to pay off these debts that ultimately only accumulated and the family was paying them.

That is why medical insurance was created so that people could pay for hospital stays and treatments without having to compromise their entire family stability. But… What happens when the insurance runs out and reaches its limit? Here the answer is simple: You go to the Medicare Supplements Plans.

These complementary plans were born out of the need to help people cover those bills that were left out once all the medical treatment was done. You see, when you have Medicare, especially Part A and Part B, there are things that are left out of coverage and that’s when the headaches come into the picture.

Even though part A is destined to the hospital part of your entire hospitalization there are some bills that are not covered and it is assumed that this should be covered by part B. However, this part is only intended for medical examination expenses that even a Sometimes there are some left uncovered.

That’s when the Medicare Supplements Plans are born. Since they were created, they work as a relief for many people because they cover the bills that are left over from Part A and Part B, and the activation process is always very easy.

People are very inclined to them thanks to all the benefits they give and also because within them they have 10 options to offer which are focused on different areas to cover and it is up to you to choose which Medicare Supplement Plan you will choose.

The purpose with which these complementary plans were created was to help people to cover the missing expenses without having to compromise their entire family and personal financial stability. Not having to pay directly from your pocket but Medigap is responsible for covering everything as long as you are paying your monthly premiums.

Now that you know why the Medicare Supplement Plans 2019 were created, you have already decided to have one. You do not need to know something else.


Can You Really Eat Out Although Keeping Yourself Healthy

A lot of people assume that the instant you are eating out it conflicts together with your desire of staying healthful, yet this need is definitely not to end up being in the situation. It is how you decide to eat out which can be probably counterproductive towards your desire remaining healthy and balanced.

What we should all have to comprehend is that it must be our freedom of preference which makes life so excellent, but it is additionally our own personal discipline and determination to take responsibility for our very own options and activities that makes this freedom of preference either our friend or enemy.

Why is it that many of us allow ourself be brainwashed into thinking some of the myths of our present day society such as eating out is harmful or you will need money ın making money to name two of the most common myths, it is these types of very same misconceptions which will end up charging us back and destroy our capability to lead a life of abundance and tranquility for no obvious cause.

We are accustomed to simply taking this conditioning and we allow it to start to dictate how we lead our lifetimes and at the end of this allow it to deprive us our independence of choice, the one thing that makes our physical experience on the planet so beneficial.

Nobody is pushing you to consume junk food when you are out for dinner, however it is the conditioning we now have and our failure for taking responsibility for our very own options and activities that makes this a self satisfying prediction.

You can easily go out and revel in a social meal with out threatening your time and efforts relating to remaining healthful by simply selecting to eat foods that you normally would eat and by not really consuming a lot of alcoholic beverages or soda pop.

Most of the fast food outlets today are designed for the people who are searching for a healthier meal as they realize that it is being an enormous industry, it really is your decision as well as your activities which will at the end of the day decide whether what you consume while on a night out will smash your dream of staying healthful.

All of us are very worried about the temptations there and in reality what we should take into account is our very own capability to take responsibility for our very own options so as to limit the devastating effects which many of the present day myths have in our personal standard of living, take some time, make the effort and be free from such present day myths and begin to acquire a life of tranquility and abundance.

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Around 76 million people were born during the years ranging from 1946 to 1964, also called the baby boom years. As many of these baby boomers today are reaching the age of retirement, physicians now are showing great focus on health issues that will become more widespread among this older generation. Below are some health concerns that can face baby boomers today along with solutions to manage these diseases:

  1. Heart Disease

One of the main cause of death for women and men over the age of 60 is heart disease. There is an increased risk of developing heart related diseases after the age of 45. In majority of the cases, the leading cause of heart attack is due to coronary artery disease – in this condition the arteries that supply oxygen to the heart gets narrow or blocked.

People can lower the risk of having heart disease by introducing some changes to their lifestyle- this includes maintaining blood pressure, avoid use of tobacco, maintain lower cholesterol levels by doing regular exercise and having a low-fat diet.

  1. Type 2 Diabetes

As people age, they are more likely to suffer from Type 2 diabetes, which occurs more frequently for people between the age of 65-74 years. Diabetes can result in serious health problems such as nerve damage, kidney diseases, high blood pressure, loss of vision, foot problems and cardiovascular disease. With proper medical care and lifestyle changes, risks attached to diabetes can be managed.

  1. Cancer

For people aged 65 and above, cancer can be regarded as the second leading cause of death. Many types of cancer share a link to behavior and lifestyle choices. It is important to maintain a healthy body weight, exercise, avoid the use of tobacco, and make healthy dietary choices, to lower the risk of cancer.

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  1. Arthritis

Osteoarthritis is a chronic condition of the joint where the cushion between the joint begins to break down, resulting in serious swelling, stiffness and pain.  Aquatic therapy, yoga, and walking daily can help to maintain flexible joints. Also, maintaining a healthy body weight is crucial for not pressurizing the joints of the body. Extreme joint pressure can damage the cartilage between the joint spaces, in extreme cases of which joints will need to be removed surgically.

  1. Alzheimer’s Disease

Alzheimer’s Disease is very common in people aged 65 and above. Although there is no firm evidence as to what causes the disease, it has been learnt that maintaining a healthy lifestyle, doing regular physical exercise can assist in maintaining brain health.



5 Health Challenges that Seniors are Facing Today

The ultimate dream of every senior is to have an easier retirement life.

This late stage of life is often seen as the time where people can take it easy and relax. Nevertheless, there are a few challenging elements that the elderly people face into the this late part of their life. This article provides 5 major Retirement challenges that the seniors are facing on a daily basis.

The first major problem are the ever-increasing health care costs and fees. As the aging process is culminating, the need of healthcare is constantly increasing. It is imperative to be aware about the potential health issues and get proper screening to know about specific health issues in the early stages. The prospect of rising medical costs, indeed can be very challenging for elderly people’s funds. This has direct negative effect on their financial stability.


The second major issue is the financial security and independence. In today complex economy,  the living costs are constantly increasing. Moreover, many seniors have limited fixed income with several financial restrictions. Many elderly people have big medical care expenses which can drain the funds that they have. Another potential issues that many seniors are unable to generate funds from working due to their limited physical abilities.

The third segment is the possibility of low savings and investment. Some seniors are able to start their retirement years with a lot of investments and savings. However, some elderly people do not have that privilege. The elderly people who have little in savings and investments are especially powerless in case of unexpected costs that may emerge. With today’s increased lifetime, many retired people often outlast their funds and investments.

Another common factor is the element of Health problems. Health issues can happen at any age. Elderly people often face several diseases and health challenges. The most common problems are dementia, Alzheimer, osteoporosis, muscular degeneration, cataracts, and many others. These diseases can drain many of the financial funds of the retired people and they can also threaten their lives.

Also the problem of Loneliness should not be undermined. I old age, many seniors lose their friends and family due to death, or some health issues. Another point is the possibility that the senior is suffering from dementia. A number of people face the complex challenge of living alone which can generate sadness, anxiety and depression.  Moreover, the aging process combined with the prospect of limited physical abilities makes many seniors to lose association with their friendship networks and it is harder to engage in new friendships and relations.

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That is why the retirement can be challenging. Many people see this late stage of their lives as the part where their worries and problems will be at a very low level. However, without a proper financial and retirement strategy, the process of living as a retired person can be quite complicated.

Medicare and People with Disabilities

Medicare is another subsequent advantage for individuals with handicaps who qualify for Social Security Disability Insurance (SSDI). The Social Security Administration (SSA) and Centers for Medicare and Medicaid Services take after specific rules for individuals with inabilities and others qualified for Medicare. Here are 16 actualities you should think about Medicare.


  1. Most Americans wind up qualified for Medicare, a governmentally financed healthcare program, when they achieve age 65.


  1. Medicare’s age qualification prerequisite does not make a difference to individuals with specific handicaps who can’t work and qualify for SSDI.


  1. After individuals with incapacities get money Social Security inability benefits, there is a two year holding up period before they can get Medicare. Be that as it may, certain medical conditions can lessen or take out the holding up period.


  1. The individuals who have Lou Gehrig’s ailment, or Amyotrophic Lateral Sclerosis (ALS), qualify for Medicare when they are affirmed for Social Security incapacity benefits.


  1. Somebody who has end-organize renal illness (ESRD) can turn out to be instantly qualified for Medicare, without an age impediment or holding up period.


  1. Medicare includes four key segments: Parts A, B, C and D.


  1. Medicare Part A gives hospitalization benefits. Medicare Part B covers medically important medicines, strong medical hardware (DME) and a few preventive administrations. Cases of preventive administrations incorporate screenings for cardiovascular hindrances, diabetes, colon disease, glaucoma and HIV. What’s more, mammograms, and prostate and pelvic examinations are secured.


  1. Medical administrations gave under Part B incorporate administrations, for example, influenza shots, medical sustenance treatment, pneumonia antibodies and bone mass estimations.


  1. Medicare Part C plans are known as Medicare Advantage (MA) plans. Part C incorporates the majority of the advantages of Medicare Parts An and B, and normally Part D, which is prescription drug coverage. In any case, Medicare enrollees ought to dependably think about the incorporations, rejections and prescription breaking points of these plans to guarantee the plan meets their health and monetary needs.


  1. Under Medicare Part B, benefits additionally incorporate tough medical gear (DME) and prosthetics. What’s more, Medicare Part D covers prescriptions. It’s basic to survey the terms gave under somebody’s picked plan or plans each year, particularly amid yearly open enlistment, since they are liable to change.


  1. Every year, the national government, the Centers for Medicare and Medicaid Services and the Social Security Administration (SSA) report arrangement and program changes for Medicare beneficiaries and individuals with inabilities. So it’s essential to remain educated about these updates, and consider swinging to Medicare and Social Security specialists for help.


  1. Medicare Parts An and B are infrequently alluded to as “Unique Medicare” or “Conventional Medicare.”


  1. Despite the fact that Medicare Parts An and B cover countless administrations, a few people with handicaps and others select to buy a Medigap plan. Medigap plans give supplemental insurance that spreads consumptions not secured by Medicare Parts An and B and are accessible to individuals younger than 65 just in specific states.


  1. Ensuing to the general enlistment time frame, Mutual of Omaha Medicare Supplement Plan G wind up powerful on the primary day of one’s birthday month, or the earlier month when the birth date falls on the main day of the month.


15. Individuals with inabilities and seniors qualified for Medicare don’t need to battle through the intricate program alone. Some national associations give proficient, unprejudiced direction for deciding if unique Medicare with a Part D plan or a Medicare Advantage plan will better address the individual’s issues.

Young People and Medicare Supplement Plan

Nothing in this world is free, and Medical care in USA is not likely to become soon.The important thing to know is that every US citizen is required to have Medicare plan A or plan B, but as we already mentioned, these do not cover everything, so you might be interested in another type of Medical insurance plan and that is the AARP Medicare Supplement Insurance Plan, which is insured by United Healthcare Insurance Company. Yes, that is again a private company and yes, you must pay for it, but it includes a lot more than say Medicare plan A or B.

Now, let’s say you want to be able to go to a hospital and you want to have a possibility to call a doctor for a house visit when you are unable to walk, but you do not need any drugs. Then you can get a Medicare advantage plan which covers everything that is covered in the type A plus some needed benefits of type B, like house visits, outpatient care and preventive services. Some of these Advantage plans also include a fitness program or a wellness service which might come in handy when those old bones start to go clickety clang.

Medicare is a health insurance program mostly architecture for the elderly in the USA. There are certain exceptions, like younger people with disabilities or people in general that have certain diseases, like permanent kidney failure.

On the other hand, Medicare supplement plans 2019 are planned to cover things like copayments, coinsurance, deductibles and so on. These are sold by private companies and are divided into ten sections or types that are denoted from letter A to N. In case of those counting letters on their fingers, letters E, H, I and J are no longer sold. It is worth mentioning that not all companies sell all the types but at the very least they sell type A or any other standardized type.

Each type offers a different level of coverage but since they are standardized all companies must offer the same level of coverage in a given type. Furthermore, all noted type must cover a basic portion of coverage, where coinsurance costs up to 365 days after Medicare benefits are exhausted is included in type A. Other plans include additional coverage but beware as additional coverage means additional costs.

Lastly, we will cover the usage of drugs, not illegal ones. The legal ones but just as deadly. What if you need access to drugs, if you have a disease that many people do at an old age that requires the usage of drugs. With UnitedHealthcare you do not need more lettered plans. Just one with many letters. The Medicare Advantage Prescription Drug Plan or shorter MAPD, offers A and B coverage plus the drugs coverage in one plan. Well isn’t that handy!

All you need to do is to make your research before choosing the right plan for your health coverage.


What Are The Criteria For Open Enrolment Under Medicare Supplement Plans?

If you are covered under original Medicare plans, then you will know the discrepancies and the gap between the plans. To cover the Medicare gaps, Medicare Experts say that it is always best to buy a medical policy during the first six months of Medicare supplement plans enrolment. This period is also known as the Open Enrollment period which opens from the first day you turn 65.

Buy a policy as soon as you are eligible

According to the experts, you must buy the Medicare Supplement Plans 2018 as soon as your turn the maturity age which is 65 years. The open enrolment period begins from the first day of the first month you turn 65. Although various made private insurance providers are flexible with their plans, the State has given a legitimate age only.

What are the criteria to enroll in Medicare supplement plans?

The Open enrolment period opens at the age of 65 and lasts for six months only. in order to enroll, you must first get enrolled under Part A or Part B of the Original Medicare. The Medigap policy covers all the preliminary expenses including the routine health checkups and prescription drugs.

However, once you surpass the open enrollment period, you cannot enroll in the Medigap insurance plans anymore. The different criteria to enroll in Medicare supplement plans are as under;

  • If you are above 65

The open enrolment period begins as soon as you touch the age and are enrolled under Part B. you must enroll for Part B plan to avoid any late enrollment fees and enjoy the benefits of Medigap policies as well.

  • You are turning 65

The best way to enjoy the benefits of Medigap is to wait till you turn 65 and enroll as soon as the 6 months period begins. As soon as the open enrolment period begins, you must get enrolled for Part B and enjoy the benefits of Medigap as well.

  • You are below 65

No federal law allows you to enroll for the Medigap policies unless you attain the prescribed age. However, if you are under 65 and urgently want to get a Medigap policy, you can try registering with private insurance providers. Although they charge a higher premium, the can help you with the enrolment.

  • You are covered under employer’s health coverage or a union

If you are enrolled under Employers or Union’s benefits, you have to wait till the policy period ends. Then only you can enroll in Medicare supplement plans.


Things you should be aware of Medicare supplement plans

Sometime or other in your life you will have to face trying to choose among the various Medicare supplement plans. Out of all of them, supplement F is famously known as the “Cadillac of Medicare Supplement Plan.” However, before you go through the plans, you should be well aware of the basics. Basically, it is a government-aided program to provide older men and women above the age of 65 to have adequate health insurance. However, people those who are disabled can only avail this.

Depends on the financial situation

medigap plans Firstly you have to make sure whether the recipient can actually afford this kind of insurance. For instance, the plan F starts at a basic rate of $95 and slowly starts rising from that onwards. However, you should also know that the cost of these plans go up as time passes by. Therefore, if you have the ability to afford one right now, the best decision will buy it now itself. However, the higher the prices of Medicare supplement plans are, the more coverage they provide to the recipients.

History of your health

Medicare supplement plans are usually appropriate for guys who have a history of sickness. If you have a medical condition which requires frequent visits to the doctor, for those people this Medicare supplement is appropriate and highly helpful. Thus, make sure you use the supplement wisely and only when you actually need it. The cost plans for these supplements are quite predictable.

Choose at your own freedom

The best thing about Medicare supplement plans is that it is considered to be the best when it comes to choosing which plan you would lie for yourself. It is highly crucial to have the control and the ability to go to a hospital for any kind of procedure; it might be complicated or simple as well. One of the best things about Medicare is that you get to go in any hospital or to any doctor of your choice. However, most of the time, you will need a referral from the primary physician before you can actually go to a doctor or to the hospital.

If you think, you are worthy enough to get your own Medigap Plans make sure you figure it out as fast as possible without delay. The reason is that the prices of these plans will continue to grow day after day.

5 Тhіngs tо Соnsіdеr Веfоrе Вuуіng Меdісlаіm Іnsurаnсе

Меdісlаіm іnsurаnсе іs а hеаlth соvеr thаt оffеrs hоsріtаlіzаtіоn соvеr аnd рауs thе mеdісаl ехреnsеs іnсurrеd іn rеsресt оf соvеrеd dіsеаsе /surgеrу whіlе thе роlісуhоldеr іs аdmіttеd іn thе hоsріtаl. Тhе соvеr аlsо ехtеnds tо рrе аnd роst- hоsріtаlіzаtіоn fоr 30 dауs аnd 60 dауs rеsресtіvеlу аnd іs арt fоr іndіvіduаls аgеd frоm 3 mоnths tо 80 уеаrs.

Неrе’rе thе 5 thіngs уоu nееd tо соnsіdеr bеfоrе buуіng а mеdісlаіm роlісу:

#1. Рrе-ехіstіng dіsеаsеs: Аlwауs іnfоrm уоur іnsurеr аbоut thе рrе-ехіstіng dіsеаsеs іf уоu hаvе аnу bеfоrе tаkіng thе роlісу, оthеrwіsе уоur сlаіm wіll nоt bе сlеаrеd whеn уоu rеаllу nееd іt. Рrе-ехіstіng dіsеаsеs аrе оnlу соvеrеd аftеr 3-5 уеаrs оf соntіnuоus роlісу rеnеwаls, аnd оnlу іf іt іs nоtіfіеd bу уоu аt thе tіmе оf tаkіng thе роlісу. Тhеrе аrе аlsо sоmе роlісіеs whісh соvеr рrе-ехіstіng dіsеаsеs sооn аftеr уоu рurсhаsе thе роlісу, уоu саn аsk аbоut suсh роlісіеs frоm уоur іnsurеr.

#2. Yеаrlу аffаіr аnd mіnіmum wаіtіng реrіоd: Маkе surе thе mеdісlаіm роlісу уоu рurсhаsе іs аn аnnuаl роlісу. Yоur роlісу іs rеvіеwеd аnd rеnеwеd еvеrу уеаr, аnd аt thаt tіmе уоur сlаіms (іf уоu hаvе mаdе аnу іn thаt раrtісulаr уеаr) wіll bе сhесkеd аnd thе рrеmіums mау rіsе sіgnіfісаntlу іn саsе уоu hаd а сlаіm іn thаt уеаr. Тhіs hоwеvеr, wоuld dереnd оn thе vаluе оf сlаіm mаdе; оftеntіmеs thе рrеmіum mау nоt еsсаlаtе wіth а mіnіmаl fіrst-tіmе сlаіm. Νеvеr swіtсh frоm оnе іnsurаnсе соmраnу tо thе оthеr аnd frоm оnе роlісу tо аnоthеr роlісу, аs еасh tіmе уоu wіll hаvе tо wаіt fоr а sресіfіс tіmе реrіоd, аftеr whісh уоu саn mаkе а сlаіm. Іn саsе уоu wаnt tо swіtсh thе роlісу оr thе соmраnу, іt іs rесоmmеndеd tо dо іt аftеr 2 уеаrs.

#3. Тhе mоrе thе аgе, thе hіghеr thе рrеmіums: Rеmеmbеr, аs уоu grоw оldеr, уоur mеdісlаіm роlісу wіll dеmаnd hіghеr рrеmіums. Ѕо уоu must аsk уоur іnsurеr thаt аt whаt аgе уоur роlісу рrеmіums wіll rеасh іts реаk аnd оn whаt сlаusеs.

#4. Махіmum аgе оf rеnеwаl: Меdісlаіm іnsurаnсе іs nоt а lіfе-lоng thіng. Оnсе уоu hаvе rеасhеd а сеrtаіn аgе оr реrhарs grоw оldеr, thе роlісу wіll nо lоngеr ехіst fоr уоu. Іn sіmрlеr tеrms, thе mеdісlаіm роlісу thаt уоu tооk іn уоur 20’s оr 30’s wіll bе оf nо usе fоr уоu аftеr уоu сrоss 65 оr 70 уеаrs оf аgе. Ноwеvеr, thеrе аrе а fеw роlісіеs whісh dо рrоvіdе соvеr аftеr 75 уеаrs. Веуоnd thаt уоu wіll gеt а sераrаtе sеnіоr сіtіzеn mеdісаl іnsurаnсе рlаn.

#5. Ѕub-lіmіts & Dаіlу lіmіts: Рrіоr tо рurсhаsіng а mеdісlаіm роlісу, rеаd thе fіnе рrіnt саrеfullу аnd undеrstаnd thе sum аssurеd thаt уоu саn сlаіm іn а уеаr. Аlsо, dеtеrmіnе vаrіоus lіmіts thаt соmе wіth thе sum аssurеd lіmіt. Many Medicare Supplement plans in 2018 offer coverage for deductibles and coinsurance. Тhеsе соuld bе thе tоtаl lіmіt аllоwеd оn реr dау ехреnsеs іn tеrms оf dосtоr’s fее, mеdісаtіоns, аnd hоsріtаl rооm rеnt, еtс.

Тhеrе аrе mаnу gеnеrаl іnsurаnсе соmраnіеs іn Іndіа whісh оffеr mеdісlаіm іnsurаnсе аt gооd рrісеs. Аll уоu nееd tо dо іs tо vіsіt thеіr wеbsіtеs оnlіnе аnd ехрlоrе thе соmрrеhеnsіvе lіst оf роlісіеs оn оffеr. Оn tор оf thаt, уоu саn аlsо gеt іnsurаnсе quоtеs оnlіnе, wіth whісh уоu саn еаsіlу сhооsе thе bеst mеdісаl іnsurаnсе роlісу thаt sееms mоst suіtаblе tо уоu.