Medicare supplement plans: all the basics you need to know

A Medicare supplement plan is a health-care plan that is offered by private insurances to supplement the original one, other known as Medicare basic. The original Medicare plan is divided into the Medicare Part A for hospital insurance, Medicare Part B for medical insurance, Medicare Part C, other known as medical advantage and part D, which covers prescription drugs. No matter which of these original plans one might have, in most cases not all expenses end up getting covered and patients are still left paying extra for things like insurance overseas and in some cases prolonged hospital visits and special medical treatments. The Medicare supplement plans are specifically there to help these patients lower their costs.

The Medicare supplement plans will only be available to those who are and stay enrolled in an original Medicare one. One can´t have a supplement plan without already paying for the original, basic one. There are some requirements to be able to enroll to one of the Medicare supplement plans. For example, some states only offer it to patients who are over 65 years old and people younger than that can only get the original Medicare option.

What supplement plans are available?  Enroll in a plan at https://www.comparemedicaresupplementplans2019.com

Currently, there are 10 different plans, known by the letters A, B, C, D, F, G, K, L, M and they are all available in most states in the exact same form and whatever the state, the benefit you would get out of, for example, a G supplement plan will remain the same. Which of these plans Is best, depends on the individual´s personal health state and their yearly expenses for health care.

What do supplement plants cover?

These supplement plans cover firstly hospital costs, that the original Medicare plan no longer covers due to reaching a certain amount of days in hospice. They also stand as a coinsurance that pays for skilled nursing facility care, for abroad health insurance,

What isn´t covered?

Medicare Supplement plans 2019It is important not to forget, that the supplement plan doesn´t cover everything either. For example, patients who need long-term care, such as in a nursing homes, won´t be able to rely on their supplement plan for cost coverage. Dental care and routine visits, eyeglasses, hearing aids and prescription drugs are also not covered by this plan. For prescription drugs, there are separate basic plans such as the Medicare Prescription Drug Plan (D).

It might not be as easy to find out which plan works best and whether you need a supplement plan in the first place. However, taking a look at what is covered and comparing it to one´s personal situation and needs will help get you a step further. In general, the supplement plan is beneficial to patients who have a basic plan, but need a lot of doctor´s visits or frequent hospitalizations due to a health condition, to those who want the peace of mind knowing that medical expenses will be covered, should anything unforeseen happen and to those who travel through the States a lot and want to be able to get medical help wherever they are.

Medicare supplement plans: all the basics you need to know

A Medicare supplement plan is a health-care plan that is offered by private insurances to supplement the original one, other known as Medicare basic. The original Medicare plan is divided into the Medicare Part A for hospital insurance, Medicare Part B for medical insurance, Medicare Part C, other known as medical advantage and part D, which covers prescription drugs. No matter which of these original plans one might have, in most cases not all expenses end up getting covered and patients are still left paying extra for things like insurance overseas and in some cases prolonged hospital visits and special medical treatments. The Medicare supplement plans are specifically there to help these patients lower their costs.

The Medicare supplement plans will only be available to those who are and stay enrolled in an original Medicare one. One can´t have a supplement plan without already paying for the original, basic one. There are some requirements to be able to enroll to one of the Medicare supplement plans. For example, some states only offer it to patients who are over 65 years old and people younger than that can only get the original Medicare option.

What supplement plans are available?  Find out more at https://www.medicaresupplementplans2019.com

Currently, there are 10 different plans, known by the letters A, B, C, D, F, G, K, L, M and they are all available in most states in the exact same form and whatever the state, the benefit you would get out of, for example, a G supplement plan will remain the same. Which of these plans Is best, depends on the individual´s personal health state and their yearly expenses for health care.

 

What do supplement plants cover?

These supplement plans cover firstly hospital costs, that the original Medicare plan no longer covers due to reaching a certain amount of days in hospice. They also stand as a coinsurance that pays for skilled nursing facility care, for abroad health insurance,

What isn´t covered?

It is important not to forget, that the supplement plan doesn´t cover everything either. For example, patients who need long-term care, such as in a nursing homes, won´t be able to rely on their supplement plan for cost coverage. Dental care and routine visits, eyeglasses, hearing aids and prescription drugs are also not covered by this plan. For prescription drugs, there are separate basic plans such as the Medicare Prescription Drug Plan (D).

It might not be as easy to find out which plan works best and whether you need a supplement plan in the first place. However, taking a look at what is covered and comparing it to one´s personal situation and needs will help get you a step further. In general, the supplement plan is beneficial to patients who have a basic plan, but need a lot of doctor´s visits or frequent hospitalizations due to a health condition, to those who want the peace of mind knowing that medical expenses will be covered, should anything unforeseen happen and to those who travel through the States a lot and want to be able to get medical help wherever they are.

UNDERSTANDING MEDICARE SUPPLEMENTAL PLAN C

Since you know the basics of Medigap plans, how about we take a gander at the specifics of Medigap Plan C. Plan C isn’t the complete arrangement accessible; however, you should at present think about acquiring one of these plans. You should take a gander at all of the conceivable choices previously you choose which Medigap arrangement will work best for you.

Medicare Supplemental Plan C will give you more inclusion than the two Plans An and B; however, there are still a few holes that it doesn’t cover. If you buy a Medigap Plan C, you get insurance security from a few key classifications. A standout amongst the most prominent is that you will get Part A healing facility coinsurance and expenses for an extra 365 days after your Medicare inclusion has been depleted. If you’ve ever spent the night in the doctor’s facility, at that point you realize that it tends to be costly remain. Only a couple of evenings in the clinic can transform into a great many dollars. Having some additional insurance could have a gigantic effect in keeping more cash in your ledger. Get a quote at https://www.bestmedicaresupplementplans2019.com/

Another classification of inclusion is Medicare Part A hospice care coinsurance or copayments. More than likely, these coinsurance charges are not going to be enormous, but rather relying upon the hospice care that you require, it could wind up being a tremendous cost, and that is the place your Medigap Plan C would come in.

With a Medigap Plan C, you will likewise get outside crisis travel, which is vital. If you plan on completing a considerable measure of going in your retirement, at that point, this is a standout amongst the most imperative parts of your supplemental assurance that you can get. More than likely, if something were to transpire, your unique Medicare plans would not give you any help for the healing center expenses. If something heartbreaking were to occur or you were to become ill while you were outside of the United States, you would need to pay for those bills out-of-take, which can rapidly demolish your excursion. If you have a thorough supplemental plan, at that point it will help pay for 80% of those bills.

Your Medigap Plan C inclusion will likewise pay for the initial three pints of blood amid a medicinal methodology. After the initial three pints, your unique Medicare should pay for any extra blood required from that point onward, which implies that those costs ought to be secured.

A portion of alternate less cost is the Medicare Part A deductible (which you most likely wouldn’t pay in any case), gifted nursing office care coinsurance, and Medicare Part B copayments and coinsurance. These can mean genuine bills the more that you require them, however without anyone else; they are not going to break your bank.

HEALTH- WAYS OF PROTECTING WOMEN AND GIRLS FROM HIV/AIDS

Over the years, HIV and Aids have become one of the leading cause of deaths in the world.

HIV is a deficiency that attacks the immune system and ends up destroying some parts of white blood cells called the T cells, and one becomes prone to any form of infection due to the weakness of the body.

Most countries were affected by the global HIV epidemic, and therefore the United Nations came up with a day that is internationally recognized as the National Women and Girls HIV/AIDS awareness day which is held on March 1 every year. Treatment for those on Medicare might be covered with a Mutual of Omaha Medicare Supplement plan G and Medicare Part A and B.

Ways for protection include;

  • Educating girls- Educating a girl child exposes the girl to chances of becoming self-reliant thereby delaying marriage. Once a person is well educated, they have ease of access to health facilities which also extends to their children and helps to avoid some wrongly practised cultures.
  • Carry out tests to ascertain any infection of HIV before planning to get a baby to ensure that if one is HIV positive, there are ways that the baby can be prevented from contracting the disease.
  • Ensuring that there is no gender violence- Statics have shown that one in every three women have had a dangerous encounter with sexual abuse and violence and most likely the people liable for such acts are well known to the women. It’s therefore essential for the community leaders to ensure that gender violence is a thing of the past.
  • Improve easy access to health facilities- This often helps women to make solid choices that will help them in future for instance access of free birth control methods, ensuring that clean and safe blood transfusion method is practised.
  • Limiting sexual partners- By sticking to one partner who is well known to you for his ways can also play a crucial role in ensuring that HIV and Aids do not spread.
  • Avoid sharing hospital equipment such as syringes and needles which could transfer infections from one person to another.
  • Educating men should respect women and find them as part of the family. This can be encouraged through sharing of duties equally to change the attitude of women as the only ones to participate in family activities.

Conclusion

Women who are already affected by the disease should be loved by their families and should not be treated as outcasts so that they could have a sense of belonging to help manage the situation in a more relaxed way.

 

 

 

6 Sports and activities for seniors

If you are an older person and doing routines at home is not your thing, maybe you should try doing a sport or signing up in a group class or activity. These are fun ways to do the recommended amount of time of physical activity per week, while you meet new people and learn new things. In this article we will show you 6 options of sports and activities for seniors.

Find out more about supplement rates here http://www.comparemedicaresupplementplans2018.com.

  1. Walking

Walking is a very good option for beginners. It is simple, free and the perfect excuse to get out of the house and get some fresh air and sun. Make sure to use comfortable shoes that offer support when walking.

Make this part of your routine and if you want to make it more interesting, you can establish time or distance goals. You can also listen to music or a podcast while walking, or you can visit different places and parks.

  1. Dancing

      Dancing is a great way to exercise. It is really fun and there are a lot of options. Search for affordable options and places that have group classes near you. If you are in wheelchair, there are places that offer classes for you as well.

Once you find a good place, choose the style of your preference. Zumba is a great choice because it is a fitness style of dance that uses Latin music and it is easy to follow. Or maybe you are into other styles, like salsa, tango or jazz. No matter what you choose, if in the first class you don’t feel comfortable or you are a little disappointed, keep exploring and trying other styles!

 

 

  1. Cycling

       Cycling is a great activity to do outdoors. Choose traffic-free areas to do it, like your local park and start moving.

If you don’t own a bicycle, it is not necessary to buy a brand new one; you can buy it second-handed and save some money. There are cities in which you can rent a bicycle for a couple dollars, so do your research and maybe you won’t even have to buy one.

A good thing about cycling is that you can use it as your mean of transportation. Instead of taking the bus, you can use your bike to go to work, go to the mall o visit a friend.

  1. Swimming

     Swimming is a very good option among our list of sports and activities for seniors because it involves your whole body. This kind of exercise is great for those who have pain or conditions like arthritis, because it does not place pressure on the joints and water can be relaxing.

Ask in your local pool about the options you have, they usually offer classes for beginners if you don’t know how to swim and they usually have different age groups.

  1. Yoga, Tai Chi or Pilates

These activities are very good to improve your flexibility, strength, balance and breathing. They are usually offered as small group classes in leisure centers, health clubs, parks and hospitals. These activities are also a good option to relieve stress and they are considered as low-impact forms of exercise.

  1. Tennis or badminton

      These sports are very popular among the elders because they are considered as aerobic activities with a moderate intensity. Playing badminton or tennis can help strengthen the heart muscle, limit the risk of blood vessels clogging and help to increase the levels of HDL good cholesterols.

These sports are a great choice for competitive people and they are offered at different sport centers at affordable prices, with indoors and outdoors courts, and many of them provide the equipment, so you don’t have to buy it.

Age of retirement

     If you are a senior who is close to retiring, you may have some questions regarding the age of retirement. The amount of Social Security benefits you get will depend on the age you retire. Although retiring at the full-retirement age of Social Security is not obligatory, there are certain things you have to consider if you are planning to retire before the average or if you want to delay it. In this article, we will explain everything related to the age of retirement.

How does Social Security work with retirement?

     When you are working, you are paying Social Security taxes, which will go into a trust fund and it will pay your benefits when you retire in the future. Every year you work, you are getting “credits” that you are going to need to qualify for Social Security benefits when you decide to retire.

To get Social Security benefits, you need at least 40 credits, and you won’t be paid any retirement benefits until you accumulate them. These credits will remain in your Social Security record, so if you stop working they stay there and if you continue working in the future, the credits you earn in your new job will be added to the one you already had.

What is the retirement age in the U.S?

     Even though retiring is not an obligation, there are certain ages for Social Security in which you will be able to get your retirement benefits. They will depend on the year you were born. In 1028, the ages of retirement are:

  • The full retirement age is 66 if you were born between 1943 and 1954. After that, the age of retirement increases by two months each year of birth until 1967 or later, when the age of retirement is 70. So, for example, if you were born in 1955, your age of retirement is 66 years and two months.
  • The early retirement age is 62, so it is possible to retire before 66. However, if you do it, your benefits will reduce. The amount of money you will receive will be approximately 26.7% lower than if you retired when you are 66.
  • In the past, the full retirement age was 65, the same as the age required to apply for Medicare. However, the age required to join Medicare is still 65, so be careful and remember to join Medicare although you are going to retire that year.

You should apply for Social Security retirement benefits four months before you expect to start receiving them.

     What happens if I decide to retire early?

     If you decide to retire between 62 and 65 years old, you will get a smaller amount of benefits for the rest of your life. You also have to consider that you will have to be the one who completely pays for the health care costs if you don’t have your work’s insurance anymore. This can be really expensive and you will have to do it for a couple of years as you must be 65 to apply for Medicare.

In case you stop working due to health problems, you should consider applying for Social Security disability benefits. You will receive the same amount of money as if you retired at the full retirement age.

What happens if I decide to delay my retirement?

     The higher the age of retirement, the higher the benefits. If you decide to wait more to retire you will receive more benefits. This occurs because each extra year of working adds a year of earnings to your Social Security benefits, and they are calculated based on your higher years of earnings.

Additionally, benefits will increase a certain percentage from the full retirement age to 70 years or the age in which you decide to retire. Percentages will depend on the year you were born.

Don’t forget about your health benefit go here for more information medigap2018.org.