Grace period to take a decision about Medicare Advantage

You only have until December 7 to decide if you want one of the MA plans to offer your Medicare benefits. This year, the open enrollment period is prior to last year. This way, they can ensure that those who sign up have the benefits in effect before January 1st. A combination of private competition and federal incentives allows private plans to offer health plans that provide quality medical care and save money for Medicare beneficiaries. Networks, once considered restrictive, actually ensure that doctors understand and accept the system so that it works more smoothly. These plans usually include Medicare’s Part D or prescription drug part! Get coverage from Medicare Advantage plans

To ensure you get the medical care you need, check the list of doctors and prescriptions that a plan will pay before you sign up. People over 65 and older automatically enroll in most cases under Medicare insurance. Medicare, a social security program, provides basic health coverage for the elderly; However, Medicare leaves many gaps in what it really covers and pays for. To address additional medical services, such as prescription drugs or home medical services, Medicare supplemental plans may be added to help cover the costs that the original Medicare plan does not cover. Another way seniors can go and what private insurance companies love is to buy a Medicare Advantage plan that in many cases turns out to be a bad idea.

Medicare Preferred Provider Organizations and Medicare Health Maintenance Organizations (HMO) have been in existence for such an extended period. The two kinds of Advantage plans of Medicare utilize physician networks and the other providers of medical care who have an agreement to be involved in the programs. So long as policy members utilize their ID card, they will not have many billing issues. Overall, Medicare PPO and HMO members are expressing great satisfaction with their health plans. If you find that your new plan does not work as well as the Medicare coverage you left, you can return to traditional Medicare between January 1 and February 14 next year. You can add an independent prescription drug plan at the same time to get your prescriptions covered. Health insurance rarely offers trial periods, but that’s exactly what you can do with dozens of different Medicare Advantage plans. Sign up before December 15 and if you change your mind, you can return to Medicare between January 1 and February 14 next year.


  Medicare Advantage plansIf you currently have an Original Medicare then you might notice that it does not cover all of your expenses, and there are certain gaps left. To fill up these gaps Medigap plans are introduced which act as a supplement to your Original Medicare plans. These plans pay for certain costs that the Original Medicare does not cover like copayments, deductibles, excess charges etc.

The eligibility criteria for a Medicare Advantage plans is not that complicated. If you have part A and part B of the original Medicare then you are eligible for Medigap. However, you should not be enrolled in any other medical plans like Medicare Advantage plans. It is illegal to have both Medicare Advantage and Medigap plans. Also, in some states, you are not eligible for a Medigap plan if you are under 65. This criterion differs from state to state rules. The time you enroll for your Medigap may affect the coverage you get and also the cost. They may also affect your guaranteed-issue rights. The best period to enroll into a Medicare Advantage plans is during the Medigap Open Enrollment Period.

Medigap Open Enrollment Period starts on the first day of the month you turn 65 and lasts for a period of 6 months. You can enroll immediately if you are enrolled in Medicare part B. throughout this six-month period you are free to enroll into a Medigap policy, ensuring no harm to your guaranteed issue rights. This means that the insurance companies aren’t allowed to use your existing medical condition or your medical history to charge you more for the coverage or to deny your coverage altogether. The best time to enroll in these six months, so find the best suitable plan in your network and your area and enroll in right away. If you have certain disabilities or medical conditions, it’s the best period to enroll and to safeguard and make use of your rights.

Once the open enrollment period has passed, it becomes really difficult to enroll in the plans. Not just enroll it becomes tedious to switch from one plan to another. This is because now the insurance companies can take advantage of your situation and may charge you a much higher coverage and are free to violate your rights. It is usually very difficult to enroll after the passage of this period for people with disabilities or certain medical conditions. It generally becomes a much tedious job to do.

Common Myths About Home Dialysis Treatment

Common Myths About Home Dialysis Treatment

Medical science has allowed humans to lead longer lives than previously thought possible, and part of these advances is the implementation of dialysis treatment at home. Given the prognosis of chronic vital organ disease or total organ failure, survival was not imaginable. Dialysis now allows people with severe kidney failure to live longer lives. However, the remaining questions about dialysis at home are partly due to the unknowns about how it works and what will be not only for the patient, but also for his family. As was the case with our ancestors, the lack of knowledge about a subject led to the creation of a mythology around what we did not know.

When talking about accidents, the word damage and injury go hand in hand. When these hard times hit you, one of the most critical problems is the financial problem. With this in mind, the accident can occur at a time when an individual or family is also financially unable.In saying this, the burden becomes heavier simply because, as the accident occurred when the family has financial difficulties, additional expenses arise for the medical treatment caused by the accident. Or worse yet, someone in the family has died and there is no source of income. With accident insurance, you have the security of being covered by the needs of your family.

But the big problem for me is this: the economic benefit of enjoying affordable Health Insurance care far exceeds the premium. Review rates for health insurance options.

This is my case and I need to understand if it’s convincing to you.

How did we get here?

The United States does not have a Health Insurance care “system”.

We evolved from an agreement between Detroit automaker and United Automobile Workers in the late 1940s. The workers can make do with lower wages if they had cheap medical insurance on the company’s guide. No one expected the treatment to be permanent. They assumed that postwar US citizens, many of whom sacrificed to preserve their liberties, would eventually receive government-sponsored Health Insurance care to support the private system.

Apart from the yearly direct fee of $4 billion, by certain estimates, these wrong aspects of our Health Insurance care system has cost the US economy 3 to 5% of GDP every year.

Could you afford a private road?

So are you favoring some form of public support for “socialist” Health Insurance care? Bad This is how I see it: Health Insurance care has similar effects across the economy for the road system, the judiciary and national defense.  Each is more than the sum of its parts. If done well, these “public goods” contribute more to economic activity than they cost. If you try to do these things individually, you sacrifice a lot of economic dynamism.

Notice The Signs Of Major Dental Problems?

Notice The Signs Of Major Dental Problems?

As you get older, you begin to realize that along with various health problems, you also show signs of high level dental problems.

You may be beginning to realize that you may have neglected your teeth for all these years and now is the time to deal with these persistent dental problems by getting medicare advantage plans to get them fixed so while they can still be resolved.

In this article, there are two areas you might want to focus on. You must first ask yourself if I am experiencing any of the common dental problems that older people face. If so, where can I find affordable dental coverage that will allow me to go to the dentist when needed?

What are some common dental problems you should consider?

  1. Do you notice anything yellowish at the edges of your teeth? It is probably the formation of plaques. In the early stages, plaque is not as harmful but, if left alone, can cause serious dental problems.

If you’ve been diligent over the years with brushing, flossing, and washing, this was your best defense against plaque formation. Apart from these good dental habits, most people do not realize the importance of regular dental cleanings. Twice a year, dentist cleanings can stop plaque.

  1. Tooth sensitivity is an annoying dental problem for many older people. Due to the large number of medications, most older people do not realize that sensitivity may be a side effect of some medications.

Tooth sensitivity can be painful for some older people. This is due to the erosion of the enamel over the years that can expose the underlying nerves under the enamel.

The best action you can take is to brush with a fluoride toothpaste and use a fluoride mouthwash every day. If you still feel pain after a period of time, it’s time to go to the dentist.


  1. Bleeding gums should be a particular concern for seniors who experience this dental problem. This condition may be a predictor of more serious health conditions such as diabetes and heart disease. It may also progress to a more serious dental condition called periodontal disease.

All older people should be aware of gum bleeds and schedule an appointment with the dentist to be sure.

Do you have an affordable dental plan that will allow you to go to the dentist regularly?

As you can see in our discussion of common dental problems experienced by seniors, any dental problem should prompt you to go to the dentist to be sure of your overall health.

Never trust a stranger with your finances no matter how faithful they look

Never trust a stranger with your finances no matter how faithful they look

Sometimes we seniors tend to trust strangers with our finances especially when we do not have relatives or heirs to our wealth. As much as we would like to make them feel like they are being rewarded for being faithful, we should not entrust everything to them. If you have no one to manage your finances, then it is very crucial to look for other ways of making sure that your finances are secure and safe. Always remember that your finances after retirement will be your source of help since you have no one whom you call a relative or heir. Instead of entrusting your finances to an outsider, here are a number of ways to do in order to keep your finances safe during your senior age.

Allow the bank to manage your finances

With the current world, it is now very possible to allow a bank to manage your finances as long as those finances are held on their account. As soon as you entrust a bank to manage your finances, here are some of the services they will offer. First, they will make sure that your monthly bills are paid on time without delay. Although they do this for a small fee, you stand a chance to become efficient in terms of payments for services. Secondly, once given standing orders, the bank will never forget to complete any transaction given. Unlike depending on your memory, the bank will always do payments and receipt of payments on time and they never forget anything you order them to do. Thirdly, the bank will always notify you in cases where your signature is required.

Allow the power of Attorney to be the final decision

Considering that you are a senior who has no heir or relatives, it is very crucial to make sure that you entrust your finances to an attorney. With an attorney, you will have an opportunity to decide how your finances will be run or how they will be shared when you are no more. The attorney in this case well act as your financial trustee and not someone who has interest on your finances. Unlike entrusting a stranger or a non-relative to your finances, an attorney will always execute that which has been agreed between you and him/her. In so doing, you will have avoided financial risks associated with entrusting your finances to a stranger.

Avoid using your social security funds until when you have run out of strength

Avoid using your social security funds until when you have run out of strength

Seniority can be described by old age that comes with lose of strength as we advance in life. That being a fact and something natural, it is very important to make sure that our finances are so secure so that it can be able to last us till the end of our days on earth. There are some of those seniors who will start consuming their social security funds as soon as retire. No one is against such an idea but it is better to survive on other means and save of your social security funds. Someone will ask, “Why should I wait until am too old and without teeth so as to start enjoy my retirement finances?” There are a number of reasons why you need to follow this advice.

Delaying your social security spending helps you save for later

Considering that social security funds comes on monthly basis, saving it in your bank account will ensure that you have enough finances crucial for your aid during your old age. As you grow old, it is natural that you will run out of strength, you will never be able to work and you may start being dependent on others. Now, in order to make sure that you don’t depend on anyone financially. Seniors should therefore make sure that they delay spending their social security finances so that it can finance your later old age.

Your social security is your source of income for old age

It is important to remember that you have no other source of income as soon as you retire. In order to increase the amount of money you can withdraw per moment in terms of security fund, you need to make sure that you delay spending your finances until when you are about 70sand if possible, start consuming large percentages at 80s.

Choose the right retirement finance plan

Just like we have said, you need to choose the right finance plan during your retirement. That means you need to select a plan that does allow you to start benefitting when it is the right time. Always choose a plan that ensure that your finances are spread throughout your life. For example, if you have just retired, you need to choose a plan where you only claim your social security funds at the right moment.

4 mistakes that an elderly investor should never commit

4 mistakes that an elderly investor should never commit

The quality of life at an elderly age major depends on your financial conditions.  If you want to keep yourself secure financially, there is no alternative to regular investment. To be precise, you need to take the right investment approach. Here are a few common mistakes that you should never commit with your investment planning.

Opting for high risk bearing investment instrument

As an elderly person, you will finance all of your expenses from the proceeds you will get from investing your lifetime savings. So, at this phase, you cannot afford to choose those instruments and domains that are excessively risky.  Investing in such instruments, you will stand the risk to lose a major part of your lifetime savings that has been invested in these areas. At this age, it will be impossible to manage such losses. Ideally, you should look for investment options that produces fair extent of return, without exposing you to significant risks.

Not adding diversity to the investment portfolio

Another blunder will be made, if you are not adding diversity to your investment portfolio. You should try to diversify the total portfolio between the maximum numbers of investment tools so that you can gain the best from all these words. Also, with diversity, you will be in the position to manage a loss incurred from one of the instruments with the gains incurred from other areas. This way, you can retain a balance in your investment portfolio and escape investment risks and threats to a major extent.

Ignoring the aspect of liquidity

Especially for elderly people who might find themselves in dearth need of cash any moment, it will be an investment sin, not to give the due importance to the aspect of investment liquidity.  In such instances, you will find it impossible to manage the need of dearth cash, if any. Hence, you need to add those investment instruments to your portfolio that are easy to liquidate.

Excessive importance on gold as an investment option

Though it is a fact the gold is one of the most effective investment instruments against inflation, and it retains its value for the longest span, however, it may not be the preferred investment instrument for an elderly person, as gold  never generates revenue gains. You can only expect returns from it, when you liquidate the asset. In addition, storing gold can expose you to various threats and risks.

Healthy Eating Tips for Seniors

Healthy Eating Tips for Seniors

Herbs for health: Many people think that herbs are just seasoning for our food. But herbs also contain antioxidants that prevent heart disease and cancer.

Antioxidant properties:

Among the well-known herbs with antioxidant properties include coriander, dill, garlic, oregano, parsley, tarragon, rosemary, and thyme.

There is no need to take multivitamins if you eat healthy food.

Vitamins are organic components of food, necessary for the body to grow, develop and restore. They can be divided into two categories: fat-soluble vitamins A, D, E, F (basic fatty acids) and K and water-soluble vitamins B and C, choline and folic acid, which dissolve in water.

Fats come in two categories: saturated fats (mostly animal fats that should be consumed in moderation) and unsaturated fats (of vegetable origin. These are considered healthier than animal fats). Their consumption should be limited, although some unsaturated fats contain fatty acids that are vital to the body.

Calories: They’re used to measure the energy contained in food. For the normal functioning of the body, it requires a certain amount of calories, which must be balanced to maintain weight.

Minerals are the basis of bones, teeth, tissues, and cells. The body does not produce them by itself and can receive them only through a balanced diet. They can also be divided into two groups:

Macrominerals (necessary in large quantities) – calcium, chlorine, magnesium, phosphorus, potassium, sodium;

Microminerals (needed in smaller quantities) – copper, florid, iodine, iron, selenium and zinc.

Proteins are made up of formations called amino acids, some of which the body can produce by itself. However, the body must absorb vital amino acids from food. Meat, fish, eggs, and nuts are rich sources of protein.

Carbs are divided into two categories: simple carbohydrates (sugar), which are quickly absorbed by the circulatory system and have limited nutritional value, and complex carbohydrates (starch), which are slowly absorbed into the blood and contain more fiber, vitamins, and minerals. Cereals, rice, and pasta are our main source of energy; they should be about 40% of the diet.


Plays a vital role in health. It’s recommended to consume 1-2 liters of water per day.

Dairy products:

Milk, cheese, and yogurt are rich in calcium and vitamins.

Supplemental Policy: Older people who’re at least 65 must check out Medicare Supplement Plans 2019 since they enable them to cover coinsurance.

Easy Recipe to Lower the Blood Pressure in Seniors

Easy Recipe to Lower the Blood Pressure in Seniors

Heart diseases and high blood pressure are often thought to be associated with older people. Nevertheless, the number of such diseases among young people is also on the rise.

Fatty foods, excess salt, smoking, and a sedentary lifestyle increase the likelihood of developing hypertension in all age groups. This condition is dangerous and must be treated. So, it is recommended to lead a healthy lifestyle that includes regular exercise and a low-calorie diet, and use some traditional natural medicines.

In order for blood to reach any organ in the body, it is necessary for the heart to push it through the vessels. When blood is propelled through the vessels, some pressure is created.

If your arteries are healthy, then they remain flexible and blood flows through them easily, without exerting excessive pressure.

Things to Take Into Account:

Strong pressure in the vessels in the most severe cases can cause a heart attack or stroke. Cholesterol can be deposited on the walls of blood vessels and even completely block the artery, which causes poor circulation and severe heart attacks.

Recipe to Lower the Blood Pressure in Seniors:

A delicious soup of potatoes and onions:

Onion helps reduce the number of lipoproteins and cholesterol in the body, which helps to reduce blood pressure.

To make this soup, you need the following ingredients:

1 kg of potatoes

2 large sliced onions

2 mashed garlic cloves

2 sliced ??carrots

5 ml of vegetable oil

1-liter vegetable broth

225 ml of natural yogurt.

The Recipe:

Fry all the vegetables in the oil for five minutes. Make sure that you don’t burn any vegetable.

Add a liter of vegetable broth to the pan and carefully put all the ingredients in boiling water.

Boil the mixture for about 25 minutes until the vegetables are completely soft.

Beat the mixture using a blender or mixer.

Add yogurt and some coriander as decoration for your soup.

Make this fresh, delicious potato and garlic soup to get rid of the lipoproteins and cholesterol from your body as well as to lower your blood pressure level.

About Supplemental Plans: Older folks living in the US should consider 2020 Best Medicare Supplement Plans via by private companies to cover copay.