On What Basis Should Medicare Supplement Plans Be Chosen

Medicare Supplement Insurance policies are sold mainly by private companies and that are beneficial in covering the health care costs. These costs that are not covered by the Medigap policy include deductibles, coinsurance and copayments. The main basis on which the Medicare supplement plans must be preferred is that you must choose if you want a Medicare advantage plan or original Medicare.  The second step would be to decide if prescription drug coverage is required and whether you want supplemental coverage also.

Cost Covered by Medicare

The main costs that are covered in the Medigap policy include coverage for services, items and tests and that mainly depend on the place where you live. The main ways through which it is possible to get Medicare coverage is by opting for Medicare Advantage Plan or for an Original Medicare. The Medicare Supplement Plans include Part A and Part B. The Part A is known to covers costs like inpatient hospital care, hospital insurance, skilled nursing facility, lab tests, hospice, home health care and surgery. On the other hand, the Part B provides coverage for outpatient care, and health care providers’ service. It is also helps to cover costs of home health care, durable medical equipment and certain preventive services. The screening and preventive services are of great use and they help to detect problems easily and keep you healthy, at the time of the treatment.

Cost of the Medigap Policy

The cost of the Medicare Supplement Plans varies from each other. The cost of the average monthly premium for Medigap plan C is about $414 and Plan D is $357. The cost of plan F is very low and about $72. For seniors the cost of the health insurance plan is designed according to their needs and depending on the premium amount different benefits are provided.

The main purpose of the Medicare Supplemental plans is that it fills the coverage gaps and the cost that are left out in the original Medicare coverage are taken care of. The Medigap policy is priced differently based on issues that are age related, community related and attained age rated. The average monthly premium an individual need to pay for plan A is $ 310 and for plan B is $423. It is always better that the benefits of these standardized plans are compared before paying premiums for the Medigap policy and gain benefits from it. Assistance can be taken from an agent to compare the prices of the plan and its benefits.

Why are Medicare Supplement Insurance Plans Different in These Three States?

There are 10 different Medicare supplement plans that citizens of the United States can choose from, to supplement their basic, original Medicare Part A and B. These supplement plans are there to cover costs that the original Medicare Part won´t. The 10 different plans are divided by the letters A, B, C, D, F, G, K, L, M, N. They all have similarities and differences between them, based on which costs they cover and how much the plan premium costs. However, all these plans and the costs they cover are the same from state to state. What a plan A covers in New York, it will also cover in California. Out of the fifty states, three of them don´t follow this standardization and the Medicare Supplement plan there is standardized differently. The states affected are: Massachusetts, Minnesota and Wisconsin.

Basic knowledge you need to know about Medicare Plans in These Three States

The main difference of the standardization in these states, is that the Medicare options and what they cover are divided and set differently than in the other 47 states.

In Massachusetts, members can enroll to a basic plan of their choice and one additional, supplementary plan. You can either only have the basic plan or get the basic plan and one supplemental plan additionally. There are different kinds of basic plans and supplemental plans to choose from.

In Minnesota, it is divided similarly, into a basic plan and plans you can get supplementary, with a limit of up to 4 supplement plans you can add to your basic one.

In Wisconsin, the basic plan already has many benefits, that in other states would only be covered by a supplementary one. There are also cost-sharing plans available, with an out-of-pocket coverage of either 50% or 25%. In addition to these options, in Wisconsin you can also choose a high –deductible plan. It covers almost all expenses that Medicare part A and B cover and some supplement plans, after having paid a set amount for health care annually. This amount that would need to be paid out of one´s pocket first adds up to 2,070$ per year. As it covers, after reaching this limit, almost all other medical expenses, it is a good option for patients who require medical care throughout the year very frequently and know, that an amount of 2,070$ per year is still saving them tons on the long-run for the health care they are requiring.

In general, the biggest difference of these plans from the Medicare Part A and Part B, is that in these states the basic plan covers for expenses that on Medicare get covered by supplement plans, such as first three pints of blood, home health care visits (in Massachusetts up to 40 visits a year are covered by the basic plan), anesthetics for dental care and ambulatory surgeries. Some of these basic plans also include preventive measurements such as regular check-ups, immunizations and health screenings throughout the year.

The Worst Things To Eat As A Senior

Diet is something that most people think about every single day, we usually are always thinking about how many calories something has and if this is unhealthy for you or not. It can also be very easy to start eating whatever you want and stop counting calories the sooner that you start to get older. Although you should enjoy your life and eat the things that make you feel good you need to realize that you really can’t just eat whatever it is that you want to since it will have a very bad affect on your body and you will most likely start to see some bad changes in your body and in your skin so it is best to keep eating healthy things rather than the things that I am about to list to you. Get a 2019 supplement plan at https://www.bestmedicaresupplementplans2019.com/

The first thing that you really shouldn’t be eating when you are someone who is older is drinks that are high in sugar so basically any drink that isnt water then you probably you shouldn’t be drinking it since it has a lot of extra calories that you don’t need and also they contain a lot of sugar and carbs. If you are someone that finds it very hard to drink water then you should probably start to set a goal for yourself every single day that you will drink a certain amount of water every single day. Or try to not drink an extra sugar drink everyday so that you are at least getting rid of some of the extra calories that you shouldn’t be eating that much every single day.

Medicare Supplement Plans 2019Another really bad thing that you really shouldn’t be eating every single day is a lot of pasta. While it can be okay to eat some pasta once and awhile it shouldn’t be something that is in your everyday diet and while it is very cheap and can be filling it isn’t very filling unless you eat a lot of it and even when you do it probably won’t keep you very full for that long since it doesn’t have any fats or any proteins in it. So keep that in mind the next time that you decide to have a bowl of pasta for dinner or for your lunch at work or if it is your lunch at home or whenever you decide to be eating this food.

How To Get A Medicare Advantage Plan Effortlessly

Mеdісаrе advantage іnѕurаnсе whісh is аlѕо called Medigap insurance іѕ a hеаlth іnѕurаnсе рlаn dеѕіgnеd to соvеr thе “gaps” іn thе Medicare insurance policies. These Medigap policies are usually offered bу рrіvаtе thіrd-раrtу іnѕurаnсе companies. This аrtісlе wіll explain some оf what a Mеdіgар роlісу covers.

Mеdісаrе іѕ an entitlement hеаlth саrе рrоgrаm fоr еldеrlу persons аgе 65 or оvеr оr thоѕе who аrе permanently dіѕаblеd whо mееt thе criteria it іѕ fеdеrаllу funded but not frее by аnу mеаnѕ. Thе program has соmе undеr a lоt оf hеаtеd debate but as оf thіѕ wrіtіng, wе Amеrісаnѕ ѕіmрlу dо nоt have a better system in place to саrе for оur еldеrlу. Mеdісаrе саn be a bіt соnfuѕіng fоr those whо are nоt іn thе ѕуѕtеm. Alѕо, Mеdісаrе is nоt a frее service but dоеѕ ореrаtе оn a mоnthlу premium аnd ѕhаrе оf соѕt оr со-рау type model.

The mаіn problem wіth Mеdісаrе ѕееmѕ tо be thаt іt has more hоlеѕ іn іt than a slice of Swіѕѕ сhееѕе. This leads tо thе need fоr Mеdіgар insurance policies. Mеdіgар policies ѕоld bу рrіvаtе соmраnіеѕ аrе ѕtаndаrdіzеd, thіѕ mеаnѕ that the terms аnd rеgulаtіоnѕ fоr еасh type оf Mеdіgар policy іѕ rеgulаtеd bу thе Federal government аnd muѕt include сеrtаіn thіngѕ аѕ well as be еаѕу tо undеrѕtаnd.

Get a quote at https://www.medicareadvantage2019.org/

There are 14 dіffеrеnt ѕtаndаrdіzеd Mеdіgар роlісіеѕ that аrе lаbеlеd A thrоugh N. All оf thе standardized роlісіеѕ must bе еxасtlу thе ѕаmе frоm оnе іnѕurаnсе саrrіеr to thе nеxt wіth thе оnlу dіffеrеnсеѕ bеіng thе соѕt оf the роlісу. It іѕ highly аdvіѕеd thаt оnсе you decide which роlісу оr policies уоu wаnt thаt you take the tіmе tо compare рrеmіum rаtеѕ tо gеt the best deal аvаіlаblе.

Medicare Advantage plans 2019

Thе rulеѕ реrtаіnіng tо the purchase оf a Mеdіgар роlісу аrе thаt уоu muѕt have Mеdісаrе Pаrtѕ A аnd B and thаt thе роlісу only соvеrѕ one реrѕоn. That mеаnѕ thаt уоu аnd уоur ѕроuѕе wіll hаvе tо hаvе separate роlісіеѕ іf уоu сhооѕе to have Mеdіgар coverage.

Yоu wіll nееd tо рurсhаѕе your Medigap coverage wіthіn уоur ореn enrollment period. Thіѕ реrіоd іѕ 3 mоnthѕ bеfоrе your 65th birthday and 3 mоnthѕ аftеr іt. Durіng thе open enrollment реrіоd, nо іnѕurаnсе соmраnу that ѕеllѕ Medigap іnѕurаnсе coverage can turn уоu down fоr coverage, сhаrgе mоrе fоr coverage because оf hеаlth рrоblеmѕ, оr make уоu wait before bеgіnnіng уоur coverage except in thе саѕе of ѕоmе рrееxіѕtіng conditions.

Thе reason you must аррlу fоr уоur Mеdіgар соvеrаgе durіng уоur open enrollment іѕѕuе is thаt іf уоu сhооѕе thе coverage аt аnу оthеr tіmе the insurance company іѕ allowed to uѕе mеdісаl undеrwrіtіng to dесіdе if thеу will соvеr уоu at аll and if so hоw muсh to charge. Durіng ореn enrollment, thеу саnnоt uѕе mеdісаl underwriting and уоu wіll bе аblе tо рurсhаѕе any Mеdіgар policy fоr thе еxасt ѕаmе price thаt іѕ сhаrgеd people with perfect hеаlth.

10 Medicare Supplement Plans Compared: Which one covers what?


As there are 10 different supplement plans to choose from at  https://www.medicaresupplementplans2019.com it gets hard to decide which one works best for you. The important thing to remember is that you need to inform yourself on the benefits that these supplement plans cover. After knowing what it being covered by Medicare supplement plans, it will be easier for you to adjust and find the one matching to your personal needs.

1) Medicare supplement plan A is the first type available. It is purchased at a smaller premium rate, therefore also covers only some of the benefits possible. Medicare supplement plan A will cover for: coinsurance due to part A hospital expenses, 365 additional days for hospice stay, three first pints of blood, the coinsurance expenses due to part B Medicare, the hospice co-insurance expenses, as well as preventive care.

2) Medicare supplement plan B is very similar to the Medicare supplement plan A. It covers for all the same benefits as the plan A does, with an additional benefit. Plan B will also cover for the Medicare supplement part A deductibles.

3) Medicare supplement plan C offers three more benefits than the supplement plan A. It will additionally cover for the Medicare supplement part A deductibles, the Medicare part B deductibles, expenses for a skilled nursing facility and for travel insurance.

4) Medicare supplement plan D covers for the same expenses that the supplement plan C does, apart from the Medicare part B deductible. This deductible would need to be paid out of one´s pocket. It therefore, even if after C, covers less benefits than the prior supplement plan. For anyone who is willing to pay the Medicare part B deductible themselves, this is a better choice than the plan C.

5) Medicare supplement plan F is known to be the most expensive one, but also the one that covers the most. In fact, it covers all of the benefits available!

6) The Medicare supplement plan G covers for all expenses, apart for the Medicare part B deductible.

7) Medicare supplement plan K will cover for part A hospital coinsurance, 365 additional days in the hospital and the preventive care co-insurance. These benefits will only be covered to 50%: part B coinsurance, deductibles of part A, hospice coinsurance, three pints of bloods and skilled nursing facility.

8) Medicare supplement plan L also has a co-sharing plan and covers the benefits that plan K covers only up to 50% at up to 75%. If 50% co-sharing is too much for you, switching to plan L might turn out to be a better financial move.

9) The Medicare supplement plan M covers for all expenses, except for the part B deductible and excess charges.

10) The Medicare supplement plan N is similar to the plan M, except that it covers for the part B co-insurance up to a certain point. You would still need to pay an amount for this one out of your own pocket.


Sex has no age boundaries because it brings intimacy to all whether young or old. When one has the hunger for love and intimacy, then there is no single time that people will fail to love one another. This promotes health to old couples by the fact that they will remain active both physically and mentally. The reverse also takes control, and if one is not physically or emotionally healthy, they might end up suffering from depression which may even lead to death as a result of heart attacks. To get the best insurance visit  https://www.medicareadvantageplans2019.org where you can get free instant quotes online.

What are the physical changes in old age sexuality?

  1. Low decline of libido-Women often lose their libido faster than men as they approach menopause because of the biological processes they go through.
  2. Painful vaginal penetration in women, however, this can be controlled through hormone replacement therapy to control the pain.

There are also health benefits related to sexuality in old age of which some of these are:

  1. It increases longer live to the seniors due to the pressure it has and also making them reduce stress and live happier for long. It also increases appetite since it is an exercise which requires energy and consumes many calories in the body.
  2. Promotes relaxation because it’s a form of body massage, lowers levels of depression and heart attacks, and increased satisfaction regarding relationships which make a better family.
  • Having a good sex life is associated with living a healthy life to older adults which lessens the aging effects that all people could avoid given a chance to make such an option.

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Challenges of sex in old age.

At times men are not able to erect making them lose self-esteem and dissatisfaction among the couples which makes the relationship unbearable and may lead to promiscuity that may cause sexually transmitted diseases. Therefore there is the need for meaningful communication among the couples to ensure that healthy relationship is maintained.

                                 Tips on how to improve sexual health

  1. Constant communication and maintaining body touch amongst the couples to retain the intimacy. It should not be a bedtime process but should remain a continuous activity all through.
  2. Being realistic about the expectations and speaking out in case you face any challenges that relate to sexual needs and remain confident with each other. This can be increased by touching, cuddling or anything else that would maintain the intimacy.
  3. Participating in outdoor activities that both of you enjoy keeping the fire burning.

Points to remember when you are dropping or losing Medigap policy

Medicare has various insurance policies in place with the Basic original plans of A and B. There are Parts C known as Medicare Advantage and Part D is for prescription drugs. Apart from these, there are Medicare supplement plans also known as Medigap plans. Medigap plans usually cover a varied coverage range as they are put in place to cover the gaps that Medicare original plans could not cover. So all in all, it is better to have Medigap policy so that copayment, coinsurance, and deductibles can be insurance covered which pile up over the years

Medicare Supplement Plans for 2019

Anyone might consider switching or dropping Medigap in case they want better benefits at a less cost or if they want more benefits at the same cost or insurance company needs to be changed and so on. No matter what the reason, it is advisable to have another plan in place even if Medicare supplement plans are dropped so that the expenses are recovered without any burden on a person.

Dropping Medicare supplement plans:  Change plans at https://www.medisupps.com/

It’s the insured person’s decision to keep or drop the insurance. So to drop the policy, contact the insurance provider and ask the agent to cancel it. The insurance agent can also advise on this and maybe suggest some alternative policies with the benefits customized to the needs of the policyholder. In case, a person drops the Medicare supplement policy there is no turning back because there is no guarantee that a person who drops the plan will get it back.

Losing Medicare supplement plan:

In maximum cases, the insurance provider cannot stop services for the person as the Medigap policy comes with a guaranteed renewable policy. Because of the above-mentioned statement, the insurance companies cannot drop a client unless one of the following occurs:

  • Premium is not being paid by the policyholder
  • The policyholder put forth falsified information during the policy application
  • The insurance company has become bankrupt or insolvent

Exception: If the policy was bought before 1992, it may not have the guarantee to renewal feature. In this case, the insurance provider can refuse to renew the Medigap policy for that person.

To cancel anyone insurance policy that insurance company must get the approval from the state for the cancellation of the respective persons Medicare supplement plans before doing so. In this case, the affected party has the right to seek another Medigap policy.

Benefits of Retiring Later in Life

Benefits of Retiring Later in Life

In recent times, people have opted to retire later than before due to the economic conditions or to maintain a certain living standard. Some people may think that late retirement is not good but retiring later in life does have its benefits. Some of the benefits are briefly discussed here.

  • Helps prevent Alzheimer’s and other mental illnesses

One of the major benefits of retiring later is that a person may be able to overcome any chances of dementia or Alzheimer’s that could have occurred due to the idleness of the brain. This is because when the people will be busy with work, they will continuously use their minds and as a result, the brain cells will be able to take control of any foreign material that may try to change the working of the brain.

To Learn More about Medigap Plans click here

  • Increased Social Security

Another benefit of retiring at a later age is that the Social Security will be higher. This is because the amount payable through the security increases with age and therefore, the elderly will be able to receive more.

Moreover, the insurance policies aimed at the betterment and health-care of the people such as Medical Supplement Insurance and Medical Advantage Plans, will also take care of any unexpected expenses in case of emergency. Retiring late will help invest more in these insurance policies.

Retiring late will also ensure that the retirement funds are extended which will safeguard a substantial amount of finances when a person retires. It will give a security to the elderly that they have enough to live comfortably.

  • Increased Employee Benefits

As a person who is working with an organization for longer years, they will be able to gain more profits from the employee benefits which are provided to all the employees of an organization such as annual bonuses, health insurance etc.

  • Increased Earned Income

As people will opt to retire late, they will be able to take advantage of the increased earnings. This will also ensure that their dependency on others is reduced and they are free to do anything they want with their income.

  • Peace of mind

People will also be able to gain greater peace of mind as they will be satisfied with the work they have been doing and the people who they have been able to help over the years. If they had retired earlier, they might have thought how they could have done so much but did not do. Therefore, achieving peace of mind will be good for their health as well.

Hence, retiring at a later age not only has economic but social and health benefits as well and the elderly will be able to occupy themselves with an activity they like and fully know.