Category: Blogging (page 1 of 2)

Exercise ideas for health of senior citizen:

Exercise ideas for health of senior citizen:

There are some renowned organizations and research bodies arguing on adding years which do not have to be the equivalent of losing strength to work or do physical activities. In fact, inactivity is related to the obsolete. Something to get is a 2020 medicare advantage plan that is not used is lost. Experts in the field have developed a series of exercises for the elderly that are designed according to their abilities and the areas that they must strengthen in their bodies. Exercise helps prevent or delay diseases and disabilities typical of the so-called third age. Of course, this must be accompanied by good nutrition and a favorable social environment. So here are some basic exercises by which one can save himself from booking a hospital bed in the future:

Resistance:

It is essential to do resistance exercises to strengthen the breathing and heart rate. The health of the circulatory and respiratory system is the first thing that deteriorates and what needs to be paid attention. It is not only a question of activity but also of consumption.

Strengthening:

The muscles lose strength and tonality over the years. That is why it is important to maintain the activity of these, as well as the joints, to have enough strength.

Balance:

The risks of falls increase dramatically with age. The care of the elderly is focused on avoiding or, where appropriate, treating injuries resulting from a disability.

Stretching:

The joints and bones tend to “freeze”, which makes it necessary to perform stretching exercises. Avoid overloading physical activity after 65 years, because only a geriatrician can define how much and what is the ideal exercise according to the characteristics and conditions of each patient. Daily physical activities also count as an exercise. Any effort focused on strengthening the body will be well received. It is not necessary to start with an extreme and long routine. If the older adult never exercised or did it many years ago, it is important not to start immediately. Everything must follow a gradual order and increase according to how it is felt.

It is not about preparing to compete in Olympic Games, but it is possible that adult who could practically no longer walk, begin to jog and recover the vitality of their best years, just by doing a few minutes of exercise a day. The care of an older adult includes everything from a protective scheme such as medical insurance, to a routine exercise program. Everyone is responsible for their actions but if the older adult depends on us in a certain way, it is our obligation to encourage them to do physical activities.

6 business Ideas after Retirement:

6 business Ideas after Retirement:

For many people, retirement is just a change of stage, not the end of the professional performance. Continuing to work can be very good and even necessary, both to maintain good physical and mental health and to supplement income. Find out below project tips for retirees.

Business tips for retirees:

  1. Training and consulting:

Opening a consulting or training company is a good way to place your accumulated experience in a new business. You can use your contacts to set up a consulting company, look for companies to offer your services or give conferences and hold seminars in your area of ​​expertise. If you already have previous experience with business, one option may even be to offer support for those who want to start, whether they are young or already retired.

  1. Teach:

If you do not want to work with companies or believe that it is hard to open a consulting company, a good way to take advantage of accumulated experience is to teach. For those who already have a doctorate or a master’s degree, this is a natural option.

  1. Services:

If you have experience in some type of electricity service, plumbing, painting, etc., a good business option may be related to manual production services, if you are still in good health. A positive factor of this type of activity is that the retiree can make his own schedule and without a very strict workload. Another option that increasingly gains more importance is to take care of elderly people. Many people reach old age with good financial conditions, but with no one to take care of them, help to make purchases, minister remedies, pay bills, etc. Include a 2019 Plan F medicare supplement at www.Medicaresupplementplans2019.com/medicare-supplement-plan-f-2019/ in your bills.

  1. Transform hobbies into businesses:

Have you maintained a hobby for most of your adult life? The arrival of retirement is a good time to convert those parallel activities that you always had, but you never had time to obtain economic benefits in income.

  1. Franchises:

If retirement came with a good amount of money saved and you want to use part of that money to invest in a new business, a good and safe option can be to become a franchise. With a franchise, you will not need to do a market study or lose a lot of time making an adequate marketing plan, since you will have the support of a franchise system.

  1. Create an online business:

Finally, another alternative for retirees who want to supplement their income is to open an online business which can be e-commerce or a service company. Adding the work experience with the possibility of carrying out an activity without leaving home is a good option for those who have passed their 50s and do not feel intimidated by technology.

Amendments Made In 2010 to Supplemental Medicare Insurance

Amendments Made In 2010 to Supplemental Medicare Insurance

Medicare Supplement insurance has not changed ever since it was standardized in 1992. However, for the first time since this standardization, the policies changed on June 1, 2010. These changes will greatly affect those who enroll in a policy after that date and probably also those who currently benefit from a Medicare supplement.

In the past, Medicare Supplement policies ranged from Policy A to Policy J. Each had its own advantages. It will not change – they will continue to be standardized; however, “modernized” policies will have new benefits. In addition, some of the policies available in the past are no longer available and new policies that were never available before were added.  If you are 65 years old after June 2010 or want to substitute your present policy, you need to be knowledgeable about the modifications and what they imply for standardization. Such changes are as follows:

First and foremost, some of the policies have been canceled – these are E, H, I and J. After June 1, 2010, you can’t register for any of these policies. Even existing policyholders who have one of these policies will not be forced to abandon or separate them. Most analysts however agree that the removal of these option policies will have an adverse effect on interest rate hikes in the future for these policies.

Second, hospice palliative care was included in the benefits component of all remaining policies. Whatever the package you buy, this benefit will be included.  Then, the “Additional Cost of Part B” benefit was increased to 100% on Policy G. The benefit was previously 80% on Policy G. Increasing it to 100% is consistent with Policy F and other policies that insure this benefit.  Even “preventive care” and “at home recovery” have been completely removed from all policies that contain them. These benefits were deemed unnecessary after careful consideration because of their low usage.

Changes to standard Medicare Supplement policies do not retroactively affect your insurance if you now have a Medicare Supplement policy; however, most financial advisers believe that since the old schemes constitute a “closed” block of activity, the rates will be affected. In simple terms, if there are no young people on the “old” schemes, they will age without young people offsetting this aging, which will likely result in more demands and higher rates.

Whether you are new to Medicare or have an existing policy, it is important to follow these changes and their impact on you. Some people may need to re-evaluate their current policy before 6/1 to see if it makes sense to have the same insurance. Insurance companies have had to submit their tariffs again for approval. After these have received approval from the state insurance departments, the “modernized” regimes will be available in all states.  Medigap policies, which offer the same benefits, are sold at incredibly different premium rates, according to an independent ratings and rating analyst, White Ratings, Inc. For example, while insurers must offer the standard benefits of the policy F, they do not control how much they charge for the policy.

Medicare Advantage Policies May Seem Better Than They Really Are

Medicare Advantage Policies May Seem Better Than They Really Are

Individuals 65 years or older are in most cases automatically included in Medicare insurance. The social security program of Medicare offers basic health insurance for the elderly. Medicare however leaves many gaps in what really insures and pays. To request additional medical services, such as prescription drugs or home care services, you can add supplemental Medicare policies to insure costs not insured by a Medicare primary policy. Another way by which seniors can take and what private insurance companies dislike is buying a Medicare Advantage policy that turns out to be a bad idea in many situations.


Medicare Advantage policies are health policy options offered by private companies and are approved by Medicare. They insure all the benefits of Medicare Part A and B. They look like a child’s play when it comes to ensuring a complete safety net for medical coverage. They however, have several disadvantages that on the surface may not be highlighted.

Unlike Medicare supplemental policies, which can be chosen to insure some areas of need, the original Medicare assistance policy has not been insured, a Medicare Advantage policy offers the same functionality as Original Medicare with additional features. The problems with Medicare Advantage policies are that they insure some of the benefits that the original Medicare does in a different way.  An example of how a Medicare Advantage policy might insure a person may look this way: a lesser rate for medical visits that could offset lower insurance for qualified care centers. The big picture that a Medicare Advantage policy paints to its target audience is that they are too good to be true because indeed they are.

Private insurance firms make huge profits by selling Advantage policies and insurance agents are pushing these policies to seniors in the hope of earning more. Of course, not all insurance brokers are insincere; each industry has its bad eggs. Nevertheless, there are several reports that have found insurance agents who are encouraging their customers to buy Medicare Advantage policies in the hope of earning an additional salary.

The general lack of profits offered by Medicare Advantage doesn’t mean that the elderly do not have the possibility of external support. A Medicare integration policy allows older people to select the plan that is suitable for their needs, such as: nursing care or prescription drugs, so you can save money instead of wasting it. Another good news about Medicare supplemental policies is that they can be bought and compared with the best price. For older people, it is especially important to research and compare policy options to make sure that every penny spent leads to a wise decision.

If you have a pre-existing health status, you will have the best chance of receiving low-cost insurance if you are registered during the opening period, for example, if you are 65 years old. During open enrollment, the costs of Medicare supplemental insurance cannot be increased due to your medical history. In addition, it is known that Medicare Advantage policies or MA policies accept all pre-existing conditions other than renal failure.

Medicare supplement plans – The best options

Medicare supplement plans – The best options in 2019

There is nothing as such good, bad or best Medicare supplement plans it is all about an individual’s requirement for health care coverage and facilities and his or her capacity of spending money on Medicare supplement plans.

Instead of focusing and discussing about any particular Medicare supplement plan we are giving you detailed description of some of the most popular Medicare supplement plans.

An Overview of Medicare supplement plan A

It covers 100% co-insurance of part A of basic Medicare plan. It also covers 100% co-insurance of part B of basic medical plan along with complete cost of first three pins of blood. But it does not cover deductible of part A and excess charge of part B is also not included in this plan. It also does not cover foreign travel care, preventive care, vision care and Dental Care.

An Overview of Medicare supplement plan C

It was specifically designed to provide senior citizens a sense of security when it comes to health insurance.

It ensures the most basic coverage along with Part A coinsurance for extra additional Hospital costs. It also covers Medicare part B preventive care coinsurance along with the first three points of blood. It also provides skilled nursing care co-insurance along with specified foreign travel Healthcare emergency expenses.

An overview of Medicare supplement plan F

It covers the extra cost that goes beyond the coverage of basic Medicare plan. It is often considered as one of the most popular Medicare supplement plans currently available. Plan F offers the best coverage.

Even after the expiry of basic Medicare plan Medicare supplement Plan F provides coverage on Hospital stay for one complete year. It also covers nursing care and travel insurance. It is one of the two plans which covers the deductibles of both Medicare plans A and B.

But since this plan is the most extensive and complete statues of coverage it is also the most expensive policy available

An overview of Medicare supplement plan N

It is generally considered as a cheaper version of the most popular Medicare supplement plan F. It covers all the additional costs incurred but not covered by basic Medicare plan but at a much lower monthly premium.

It covers 100% coincidence of Medicare part A and B along with 100% party deductible it also provides 100% hospice coinsurance and emergency travel care.

But before buying any of the above mentioned plans it is important to do the necessary research and understand each plan as every other plan mentioned here covers different tailored benefits to suit different needs.

Medicare Supplement Plan Comparison

2019 Medicare Supplement Plan Comparison

Before selecting the right healthcare plan to sign up for, it is important that you go through the comparison process for a Medicare Supplement Plan to be certain that you are choosing the right plan out of the many available options. There are 10 plans to choose from which are specific to Medicare supplement plans, and it is easy to make the wrong choice because you did not take enough time to study the options available to you.

So, assuming you have decided to go through the comparison process for Medicare supplement plan; how do you analyze the options which are available?

  1. Find out the exact medical coverage which you require that a basic Medicare cannot cover. Do you need Part A coinsurance, skilled nursing coinsurance, Part B coinsurance, hospice care copayment, excess charges for Part B, Part A or Part B deductibles, or any combination of the above? When going through a Medicare supplement plan comparison process, this is the most important step.

Bear in mind that your reason for choosing a supplemental plan is because your basic Medicare cannot cover for all your medical needs. This is the reason why you should maximize your efforts to find the plan that is best suited for you.

  1. it’s time to look at your available options once you have identified the medical coverage that you need. As earlier mentioned, there are a total of 10 available supplemental plans: Plans A, B, C, D, F, G, K, L, M and N. Each of the plans is made of a particular combination of the above-mentioned benefits. Plan A is the least comprehensive plan while Plan F is the best option which takes care of all your needs including emergency support for foreign travel.
  2. After making comparisons, narrow down your options to at least 2, at most 3 options. This is where you spend more time to analyze your options. This constitutes the bulk of the comparison process for Medicare supplement plan. In the end, prioritize the 2 or 3 plans based on what your needs are and according to your preference.

AARP Medicare supplement Plans 2019

  1. The next thing to do is to look at your current financial situation. Which of the plans is suitable for what you can pay out monthly as premium? Endeavor to live within your means; if you need a Plan B but what you can afford is a Plan A, you may have to reach a compromise. If it is really an urgent need, you have no reason why you should not go beyond your means so as to get the plan that will suit your needs.
  2. Choose the right plan based on a careful deliberation of your financial position and your needs. Unfortunately, there are no hard and fast rules to guide you to select the best plan. Your analysis in Step 3 will give you everything you need to reach an informed conclusion.

Do not sign up for a medical policy without first going through a Medicare supplement plan comparison process. You may either end up overpaying for a plan you do not need, or settle for a plan that does not meet your needs at all.

Fun Party Ideas For Seniors

Who says grandpas and grannies can’t enjoy all the things they come across? Below, we have listed our top 5 fun and creative party ideas which you may want to try as a senior.

While having fun is vital.  Planning for unexpected health emergencies is important.  Enroll in a Medicare Supplement Plans for 2019 to be proactive.

  1. Concert

 

Age should not be a barrier when it comes to enjoying music. The fact is, each one of us irrespective of our age loves music. If you are looking to get yourself off your feet and sing or dance to the content of your heart, incorporating fun rewards or creating a concert on a particular theme can definitely do the trick. You can perform a solo act or form groups to dance on your favorite songs, entertain everybody and make the party truly energetic.

Medicare supplement Plans for 2019

  1. Trivia

 

We all love trivia. If few of the participants are not familiar with this game, you could go with a basic game format & pick exciting trivia questions for seniors. Try to pick fun topics, for instance, celebs, music or movies from your era. Rest assured, the party is likely to be an entertaining period for all the participants.

 

  1. Bingo

 

Baby boomers and seniors enjoy bingo game all the time. Why not organize one such night as your party idea? Bingo game can also be ideal for seniors with limited mobility. They’ll be able to enjoy the game just like everybody else. To add your own twist, you could also involve a specific theme, like 50’s artists to spice up the night.

 

  1. Auctions

 

Another unique idea for a senior party can involve having all the attendees carry in any stuff which they won’t mind auctioning off. This way, you can transform a regular party into a creative one. The final amount can go to a selected charity or even a general pool so as to split it up among everyone at the end of the event. You might even want to add another twist to the auction game by adding it to your list of fun themes for the rest of the night.

 

When you are looking to plan a party for baby boomers or seniors, there are plenty of fun and creative themes which you may want to turn into reality. However, be sure to select a comfortable location which can help make the event truly enjoyable & memorable. Ultimately, you are likely to have a party full of lasting memories, laughs, and smiles.

Effective Tips for Saving On Your Senior Citizens Travel

People who have retired in a circumstance where they have both time as well as money will possibly find themselves in a situation where they can benefit from senior travel more than most. However, simply because you have the cash does not mean you spend more than required does it? On contrary, if you’re in a position where you find yourself out of cash then shouldn’t you have some sort of option likewise? The fact is, a limited flow of cash does not have to be a major factor when you are making choices for enjoying your vacation. In this post, we have listed a few tips to help you enjoy your dream vacation on a budget.

Seniors can get a quote and enroll in a Medicare Supplement Plans for 2019 to avoid extra medical bills.

1) Discounts for seniors

 

Among the first things which you want to find out while traveling is to check the availability of seniors discounts. It might surprise you but quite a few resorts and locations offer discounts for baby boomers or seniors especially during an off-season.

 

2) Book your seat well in advance

 

Even if you see plenty of discount sites popping up each day, still you should avoid waiting until the very last minute for booking your ticket. We recommend you to reserve your tickets at least six to eight weeks prior to your proposed travel date. This additional effort will ensure you enjoy the best possible discount for your holiday. Also, with this, you’ll notice you are able to pick the best seat as per your liking. Whenever possible you’ll also want to reduce the total luggage that you take with you to avoid an additional hassle.

 

3) Public transportation

By using a public transport service, you will soon realize you can easily save a decent amount of cash on car rentals. Besides, if you have some extra time you will be able to enjoy the city to the fullest which would otherwise have been impossible with a regular car rental service.

 

4)  Travel with family or friends

 

By bringing along your friends or family, you can enjoy significant savings especially by sharing a vacation rental or snagging a discount from the travel service which provides group discounts. Also, when you have friends or family with you, it’ll be an exciting opportunity for creating lifelong memories together which is priceless.

 

To conclude, be sure to take into consideration the above tips that will allow you to save some cash on your travel expenses. Furthermore, you will discover that the majority of the above tips are applicable to almost any travel situation you encounter.

 

MEDICARE INSURANCE EXPLAINED

Insurance in all aspects is used to supplement where one is anticipating an occurrence such that if in any case, it happens, it will help out manage the costs that ought to have been incurred by the individual senior. It comes in hardy to support in case there is financial hardship and sickness has stricken. Medicare insurance is purposely meant for those people who have retired or younger people who are below 65 years of age and are either disabled permanently or partially.

When one is retired, Medicare insurance will be paid by the employer through the pension that had been saved for that purpose. The premiums at this stage will not be a bother. It is the obligation of the senior that is concerned to do research and come up with the type of insurance that they would wish to have.

aarp medicare advantage plan

However, there is also the individualized insurance whereby the retiree can apply and pay the premiums direct from his pockets though there is a portion that the federal government in America will cater for to help such seniors ease the burden.

The other issue when taking individualized premium is when you want to make the insurance that is not covered by the government such as the Medicare supplement plans where the premiums will be solely paid by yourself. Medicare supplement insurance is useful because it includes those costs that are not covered by the Medicare original and may help reduce taking long in the hospital because of any unpaid bills.

Medicare insurance also takes into consideration the disabled as mentioned earlier through a disability income insurance which will pay for the premiums of the disabled senior and this one comes in handy especially when one is unable to work due to either extended disability or permanent disability. When Opting for Medicare insurance, like a AARP Medicare Advantage plan, it’s important to think of what it will cover and to what extent. For further details and a quote go to https://www.medicareadvantage2019.org/aarp-medicare-advantage-plans-2019/

For instance, one may ask themselves questions like;

  1. Will it include the conditions that are already in existence
  2. If it will cover, what additional costs are there in case of top ups due to the conditions.
  3. How many family members will it cover?

All these combined will enable a person to make a concrete decision regarding the best type of Medicare insurance to take and if it will be long-term to avoid shopping for the Medicare every year. Any time that the Medicare insurance is taking the course, it’s important to ask yourself how with it is taking it instead of paying hospital bills in cash. When you evaluate the advantages, then the highest number will always go for the insurance.

Can you change Medicare supplement plans at any time?

Medicare is a national health insurance program in the United States which aims to provide aid for people above 65, younger people with disabilities, and people with ESRD. However, it doesn’t cover some of the health care costs (Copyaments, Coinsurance and Deductibles). In that case, a Medicare Supplement Insurance (Medigap) policy comes to aid.

What is the process of changing Medicare supplement plans?

medicare advantage plans 2019 After you acquire Medicare part B plan, and are 65 years of age or older, the Medigap Open Enrolment Period begins, where, as provisioned by the federal law, you have a guaranteed right to buy Medicare Supplement plans.

You cannot be turned down or charged more (due to existence of a pre-existing health condition) by insurers during this period.

However, you may want to switch if you’re not satisfied with the benefits of the existing plan, you’re in need of more benefits, you want to change your insurance company, or you want to switch to a different plan that costs less.

To change Medicare advantage plans for 2019 visit www.medicareadvantageplans2019.org/.

These are generally not allowed by the federal laws unless the Enrollment Period is active, or due to a guaranteed issued right. However, that doesn’t mean switching between plans is impossible, if your insurance company is willing to sell you a different plan.

In that case, you may first apply for a new a Medigap policy from your new insurer, and if it is accepted, you may call your current insurance company to terminate your coverage, by submitting a request, as per the company needs.

You will have a 30-day free look period if you’re not yet decided in your new policy, and it is wise to not cancel your existing plan before deciding to keep the new policy.

What are situations under which you’re allowed to switch your Medicare supplement policy?

You are allowed to switch, if

  • Your 6-month open enrolment period is still valid and in existence.
  • You’re eligible under certain guaranteed issue rights.

The guaranteed issue rights are valid if:

  1. Your insurance company may be going bankrupt or out of business.
  2. The company committed fraud.
  3. The company misled you.

It’s important to keep in mind that, if you do not qualify for any of the reasons stated above, you may need to answer specific questions or pay more for a new Medicare advantage plans.