Better Health For Senior Citizens

People are living longer these days than in years past. The average age of longevity is not as young as it was, and it is not rare for people to live well into their nineties. Baby boomers started becoming senior citizens several years ago, and they want to have better health. Just as they have been influencing buying patterns for decades, they are now having an impact on the health and nutrition products available on the market.


The health and wellness businesses are expected to grow by leaps and bounds as more baby boomers enter their later years. This is a group of people who have influenced the physical fitness areas of gyms and spas. Although they are likely to be inclined to exercise less as they age, they will undoubtedly be consuming more nutritional supplements to help maintain good health which has been an important aspect of their lives.


New nutritional supplements are introduced to the markets all the time. The drug store and grocery store shelves are full of items to prolong life and improve health. Liquid juices with nutritional benefits are becoming increasingly popular. There are vitamins and pills of all kinds designed to improve health.


As they are trying to maintain and have better health, senior citizens are becoming involved with home-based businesses, often in the health and nutrition industry with nutritional supplements sold through network marketing (MLM or multi-level marketing where people are paid for the efforts of those they bring into the business). Although most will not succeed in the business aspect of MLM, they may become good customers for many years as they are willing to spend money on health products.


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As the economy and investments have suffered and made life difficult for many senior citizens who are faced with dwindling retirement funds, they may enter home-based businesses which have great promise and potential. Since these are businesses which may be entered for a relatively small amount of money, they seem desirable.


Yet many more people may be interested in maintaining good health than in earning money when they are in the autumn of their lives. They want to find ways to enjoy better health as they age. Liquid nutritional supplements have become a popular method of ingesting the vitamins and anti-oxidants which have been touted as being beneficial for health and wellness. Liquids are easier to take than pills, and they are becoming more available and desirable


Better health means taking care of one’s self and doing all in your power to maintain a healthy lifestyle which results in improved mental and physical capabilities. Living longer will be more pleasant if one is able to enjoy good health and well-being.




Medicare Advantage Plan is offered by a private company approved by Medicare and is a type of a healthcare plan that comes under Medicare. Medicare advantage plans provide both the Medicare Part B and A benefits including the following plans:

  • Health Maintenance organization plans: HMOs allow you to only visit hospitals, doctors, and other health care providers that belong to the plan’s network. To see other specialists or doctors, your primary care doctor will need to give you a referral.
  • Private Fee for Service plans – As long s the plan’s payment terms are agreed upon, you can visit any hospital, doctor and health care provider to receive care. A PFFS plan determines how much you will have to pay to get care, and how much the plan will pay hospitals, health care providers, and doctors.
  • Preferred Provider Organization plans: For this type of a plan, you pay more if you visit a doctor, hospital or a health care provider outside the plan’s network, and pay less if they are a part of the plan’s network.
  • Special Needs plans: SNPs offer specialized and focused health care for certain people, for instance those who suffer from chronic health conditions or nursing home patients.
  • Medical Savings Account plans: MSA plans usually combine a bank account with a highly deductible healthcare plan. In this plan, money is deposited into the account by Medicare which can be used to pay off health care services fees during the year. You must be aware that MSA plans don’t provide drug coverage.

The question may arise of who can be a part of the Medicare Advantage Plan? Well, you must live in the service area of the plan and have both Medicare Part A and B to be able to join. It is worth noting down that people suffering from final stage renal disease generally cannot join a Medicare Advantage Plan.

  • What is the cost of a Medicare Advantage Plan?

If you are enrolled in a Medicare Advantage Plan, you should pay a monthly premium for the services offered by the Medicare Advantage Plan, in addition to the Part B premium.  Different cost for services and premiums are charged by each of the Medicare Advantage Plan, so it is important to draw a comparison between the plans offered in your area and have a thorough understanding of each plan’s benefits and costs before you decide to join.

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What is Medigap and what does it do

It is known that Medicare is one of the largest health programs in the Americas and throughout the United States it has become something that all disabled or retired or ill citizens should have as it supports them during emergency situations.

However, the plans that Medicare offers do not fully cover what needs to be paid since there are times when it runs out and there are still bills on the outside which should be canceled as soon as possible. That’s where Medigap comes into play.

As such, it was created as a complementary plan to the Original Medicare plans and also for Medicare Advantage later. The Medicare Supplements Plans were designed to become a help when all the major options have been exhausted and there are still bills to be paid.

When you are in this situation, you need something to help you and that’s when Medigap comes into play. As such, it works like a Medicare Supplement Plans 2018 that supports the protection your initial plan gives you. From there it is very good all the benefits it offers because you can choose them yourself.

Unlike the main parts of Medicare, supplemental plans have many options for you to choose from. You can choose between plans from A to N and each one comes with big or small differences that make it unique and special for you.

Some people become entangled in this but the trick is to observe in detail what each plan offers and it is necessary that you understand everything very well. For that, you also have the insurance advisor who will accompany you throughout this process.

Something very important that you should know is that Medicare Supplements Plans can only be purchased through Private Institutions. This means that you do not do it in the same way that you did your Main Medicare plan. To be able to have Medigap you must go to a private Institution that is authorized to sell Medigap policies and there the whole process will be summarized so that you can quickly have this new support.

On the other hand, in order to acquire Medigap, you need to be aware that you must comply with a series of standards in order to be eligible. The priority of Medigap is directed towards retired people, elderly people with illnesses, disabled people and also terminally ill people. Although there are exceptions. So stay tuned on this side.

In case you still wonder, the purpose of Medigap is to help patients when it is already believed that there is no hope. When all the options have been exhausted and there is no one who can pay the missing bills, the Medicare Supplements Plans will take care of everything that is missing.

In addition to that, they give you the possibility of having an option to automatic renewal when you are already near the expiration of the policy. So now you know why Medigap is your best option to be doubly protected.


Learn the Pros and Cons of Medicare Advantage Plans before deciding a plan

Are you wondering if Medicare Advantage plans are right for you? Like all other things in life there are Medicare Advantage plans also featuring both pros and cons.  Yet, finding the appropriate Medicare Advantage plans or types of insurance may be confusing for seniors, particularly when they are expected to go through some 150pages. The booklet issues by the government ‘Medicare and You’ are received on approaching 65 years. Here are a list of advantages and disadvantage on choosing Medicare Advantage plans.


Medicare Advantage, what is it?

Medicare Advantage includes insurance plans in a group provided by the private companies and these are in replacement of the Original Medicare.  It implies that in case you consider Medicare Advantage plans, the Part A and B Medicare covered traditionally will now also be covered in the MA plans.


The benefits of MA may be different slightly than with Original Medicare. Yet, they are by law offering same benefits.  Here are some pros and cons that will give you clarity on Medicare Advantage plans.



  • $6700 is the maximum out-of –pocket expenses a year.
  • Many plans are $0 a month
  • Mostly includes the coverage for prescription drugs.
  • Most Medicare Advantage plans include dental and hearing
  • Difficult to switch during open enrollment to another plan of MA



  • Requires to pay for coinsurance fees and co-pays
  • Difficult to compare the plans as no two plans of MA are similar
  • There is no coverage offered nationwide for drugs
  • Only the HMO plans of MA demand referrals to visit a specialist
  • Plan can be changed each year
  • Tough to switch plans such as Medigap


Bottom Line

There is no doubt that the Medicare Advantage plans are affordable, it includes caps and Rx coverage up to $6700. Most people consider 3 options to research with health coverage such as:

  • Original Medicare
  • Original Medicare + Medigap
  • Medicare Advantage plans

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As Medicare Advantage has maximum out-of-pocket expenses, the offers are equivalent to benefits of Medicare, and it also includes Part D, the drug coverage. Generally, MA offers more protection in comparison to the Original Medicare. If you wish for more medical fee coverage, you must consider Medigap.


Medigap is not the same as MA. The plans of Medigap complement Original Medicare and cover all the deductibles coinsurance and co-pays of the Original Medicare, and yet provide additional coverage.

How to Determine a quality Medigap Plan

Are you considering additional Medicare insurance? The Medicare Supplement plan, commonly called Medigap’s plan, is very effective in assisting the handling of out-of-pocket costs for services covered by Original Medicare. It is important for those of you who have a plan in choosing Medigap that suits your health care needs now and in the future because, because health is a very valuable thing for yourself. It’s all adjusted by the time you register, Chances are you cannot change the plan later.

There are some standard Medigap plans in some countries that already have them. Each plan has a letter of appointment (Plan F, for example) and is sold by private insurance which is then offered by a country. Although it has a varied harbor on the company. However it has great benefits on the Medigap plan which has been standardized according to the plan of the provisions. This means the quality of Medigap Plan, will have in common with the insurance.


The Medicare Supplement Plan has several variations. F, G, and N have many advantages despite differences. Medigap Plan F is quite popular, as it offers the advantages of other Medicare Supplement plans. However, to be able to enjoy the facility, Medigap requires you to pay the administration fee at the beginning of registration. If you choose Plan F, you must pay all Medicare Original fees at the specified amount. However, because the amount is fairly high, you may have lower monthly premiums.


Since Medigap Plan F offers the most benefits, it is natural that the most expensive expenses are incurred; However, this may not always be an obstacle, because there are still other options. Where there is medigap that has a fairly low cost. You may find other Medigap plans with lower premiums than Plan F. But if you often encounter problems where immediate security is required, Plan F is the right choice, because the most help is in good quality.


Since Medigap Plan F offers the most benefits, it is natural that the most expensive expenses are incurred; However, this may not always be an obstacle, because there are still other options. Where there is medigap that has a fairly low cost. You may find other Medigap plans with lower premiums than Plan F. But if you often encounter problems where immediate security is required, Plan F is the right choice, because the most help is in good quality.

Keep in mind that any possibility can happen. So to choose which Medicare Supplement Plans 2018 is good, I suggest you should look at finances. if you have more funds, there is no harm in choosing quality health insurance, more experienced, however, the price paid is expensive. However, if you have minimal finances, you can try Medigap offering relative price and easiness in long term payment. All according to your needs, you need to make the right choice. Medigap insurance is designed to give you the perfect health coverage at an affordable rate.

Medicare Supplement Plans- Everything You Should Know


Medicare Supplement Plans 2018 is becoming enormous popular due to its incredible benefits. With an appropriate Medicare supplement plan, you can easily pay health care costs of some treatments that any other Medicare insurance plans don’t cover.

Before investing in any Medicare supplement plans, following are some important things you should consider to pick the right insurance for you-

  • Buy Medicare Part A and Part B both.
  • In case, you have bought Medicare Advantage Plan, you can easily apply for Medigap insurance plan. You should make sure that you leave your Medicare before your Medicap policy starts to reap its benefits to highest standards.
  • You need to pay a monthly premium for Medigap policy to a private insurance company. Additionally, you pay the Part B premium along with the monthly premium that you pay to Medicare.
  • Medicare policy is for individual buyer. If you and your spouse both want to purchase Medigap coverage, you both have to buy these policies separately.
  • Always purchase a Medigap policy from a reliable, prestigious and licensed insurance company.
  • Almost all standard Medigap policy is renewable even if you have serious health problems. Your insurance company cannot cancel your Medigap policy as long as you are playing its premium.
  • Any Medigap policies sold after January 1, 2006 are prohibited to include any prescription drug coverage. In case, you do not have prescription drug coverage, you can join Medicare Prescription Drug plan.
  • It is illegal to sell you a Medigap policy that you have Medicare supplement plans.

Medicare Supplement plans undoubtedly are very good investment. Medigap policies don’t cover long-term care, including vision, dental care, hearing aids, eyeglasses and private-duty nursing.

Before making any further investment into Medigap, you should research well, and understand whether or not turned to be great asset. However, it is worth noticing that Medigap policies generally don’t cover long-term, care, vision, or dental care, hearing aids and  more.

Before starting of your Medicare plans, you may want a complement Medigap policy.  You might decide to switch a Medicare Advantage Plan that offers prescription drug coverage.

Introduction to Medicare Advantage Plans

Shopping for an appropriate and cost-effective insurance plan can be overwhelming. There are numerous decisions yet not all options are appropriate for everybody. Medicare Advantage Plans have been popularly utilized since the projects were first presented in 1997. Otherwise called “Mama Plans” or “Part C,” these projects are a piece of Medicare. If you are 65 or older, it will be of awesome advantage to carefully evaluate whether this program is for you or not, and to balance its advantages with other medical coverage programs. Medicare Advantage Plans are a great way to live a worriless life, because they will cover almost all of your out-of-the-pocket costs.

With regards to Medicare, you should pick between unique Medicare projects or Medicare Advantage Plans. A simple strategy for picking between the two kinds of projects is to decide whether you might want to offset the costs of drug prescriptions. In most cases, the individuals who require drug prescription select original Medicare since it covers the cost of drug prescriptions under Part D of the program. Then again, the advantage plan does not take care of the expense of drug prescriptions.

Remember that, for an extra cost, you can include drug prescriptions in your advantage plans. In any case, you won’t have the capacity to add Medigap Insurance to the plan. Medigap is a sort of insurance arrangement that spreads parts of your health care coverage that are not secured under a unique Medicare plan.

All in all, what benefits do advantage plans give? Not at all like Medigap Insurance, an advantage plan isn’t supplemental insurance. Rather, this sort of insurance is offered through private insurance organizations who works with Medicare in order to cover every cost base. As it were, your Medicare plan will be handled by the private insurance organization and you will in any case be enrolled in your Medicare program. The cost advantage is that you won’t have to pay the extra costs of a supplemental plan. Numerous advantage plans are free for individuals 65 and older who are already enrolled in Medicare Part B, or if nothing else offer a more affordable approach to pay for every single therapeutic cost.

Since numerous individuals can’t bear the high cost of supplemental insurance, AARP Advantage plans for 2019 offer an affordable option. These plans require a lower month to month premium as long as the recipient of the plan consents to utilize a set system of social insurance suppliers and offer in some copays for services. Picking between these distinctive sorts of plans will rely upon the amount you can bear the cost of on a month to month premise, your own medicinal needs, and a comprehension of the stipulations put forward by singular insurance plans accessible in your state.

Medicare Select: Can savings be made?

If polls are conducted among every American adult asking if they are interested to save money on their health insurance, then there is bound to be an overwhelming affirmative response from them. An evidence of this could be noticed from the day to day healthcare news like:

  • New high deductible plans offered by insurance providers enable low premiums.
  • New legislation makes healthcare more affordable for smaller businesses.
  • Tax deferred plans exclusively for healthcare savings.

For those 65+ having any of the Medicare Supplement Plans 2018, trying to save money on their health insurance premiums is of high priority.

Why so?

The reason is because, according to popular beliefs, some money is involved to avail Medicare Supplement Plans 2018. For example, one has to bear Part A deductibles, Part B premiums, Part B coinsurance, etc. The average senior consumer is likely to expect out of pocket expenses for availing several healthcare services. The biggest expense that most of the Medicare beneficiaries worry about is Part B coinsurance. 80% of all Part B approved services is covered by Original Medicare. The remaining has to be paid from pocket. It is for this reason one has to have Medigap or Medicare Supplement plan.

Avail Medigap Plans

This plan is known to cover majority of the costs which is not paid by Original Medicare. There are various types of Medigap plans available and they are not created equal. A particular type of Medigap Insurance plan that can help save precious money is Medicare SELECT.

Difference between Medicare SELECT and Medigap Plan

The Medigap plan allows the person to visit any healthcare provider accepting Medicare. Most of the amount will be borne by Medicare is, while the rest will taken care of by the Medicare provider. With the Medicare SELECT plan, there is provided a provider list that can be used that is covered by this plan. However, if ‘out of network’ provider is used, then coverage is not provided by Medicare SELECT.

The Medicare enrollees who were part of PPO or HMO plan with their previous insurance would be using in-network vs. out of network provisions with this insurance type.

For this type of plan, the premiums are quite affordable when compared to regular Medigap plan. It is here that effective cost savings can be made. But the premium rates differ between providers. Discussing with a professional who is an expert can help to choose the best Medicare Supplement Plans 2018.

Know about Medicare C ‘Advantage’ Plans

The U.S. government during the late 90s came up with a great idea to privatize Medicare and the 1997 Balanced Budget Act offered Medicare recipients with Medicare + Choice by creating new healthcare options. It was later called Medicare Advantage.

Why Medicare Advantage Plans?

Medicare Advantage or Medicare + Choice had been designed for providing senior citizens with more options as to how they should receive their Medicare benefits. Passing the bill by the Congress gave all senior citizens with the opportunity to select Advantage Part C private insurance, by opting out of the conventional Part A & B Medicare plans. With Social Security benefits getting privatized, plenty of problems did arise like increased expenses for the U.S. government, unscrupulous Part C Advantage firms and limited healthcare choices for Part-C Advantage recipients.

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Some facts to know

Medicare expenses borne by the government is said to be bankrupting the country’s social security system. Around 20% of federal investment is done on Medicare. With the baby boom generation expected to reach its retirement age, this number will only go up. Privatizing Medicare Part – A & B assumed to reduce spending on Social Security only proved to be incorrect. In truth, Social Security system for an individual having Medicare Advantage will cost more than that of the conventional Medicare Part – A & B plans. Studies conducted have revealed that the U.S. government has to bear approx. $1,140 in excess per enrollee, when compared to the cost to be borne for same patient numbers under original Medicare. For saving the Medicare system, such spending is to be curtailed.

About Part-C Advantage Plans

Such Medicare Advantage Plans are stated to be organized quite similar to that of major medical healthcare insurance that most of the citizens enjoy during their lives. Coverage limits, network doctors and coverage areas are present in Advantage plans. Such healthcare limitations have been termed to be several features that are being expected by working Americans and to deal with, but without facing any complications. Traditional Medicare is no more being favored by senior citizens, who are preferring private insurance which comes with significant limitations. What they fail to realize is the fact that Medicare Part A & B has been taken off, until they fall sick and will not be able to get the desired treatment from the favored physician. Hence, according to some, better healthcare is not offered by Medicare Advantage Plans.

It is always a wise decision to discuss with the industry professionals who will suggest the most appropriate plans.