What You Should Know About Registration with Medicare At Age 65

What You Should Know About Registration with Medicare At Age 65

Some persons erroneously believe that the process of enrollment for Medicare when they turn 65 is going to be simple and straightforward. However, depending on the circumstances, this is usually not the case. For example, if you continue working, after turning 65, or if you have health insurance with your spouse, this can make the situation complicated.

Here are some things to keep in mind as you approach the age of 65 and you are wondering about the enrollment process of Medicare.

1. If you already receive pensions from social security, you will automatically receive a Medicare card via mail 3 months prior to when you turn 65 years. You will sign up to Part A of Medicare and for Part B of Medicare. If you do not want Part B, follow the instructions and return the card to Social Security.

2. When you are 65 and continue working, you will not automatically enroll in Medicare. If you want Medicare, you must contact the Social Security Administration to register.

3. You have a 7 month period to enroll for Medicare, starting 3 months before your birthday and 3 months after your birthday.

4. If you are still working and your company has more than 20 people in your workforce, you may not need Medicare B immediately. Contact the representative of your HR department for more information.

5. You need to enroll in Medicare Part B If you stop working and have a retirement plan from your employer.

6. Medicare A and B do not cover 100% of all services. Normally, you will need a Medicare Advantage plan or a Medicare supplement plan to cover some of the costs that are not covered by Medicare. Advantage Plans and Supplemental Plans are private insurance plans.

7. Medicare benefit plans are also called Medicare Part C. You can choose and enroll in a Medicare Advantage Plan if you qualify for Medicare. You can participate during the 7 month period that begins 3 months before your month of birth and 3 months after your month of birth.

8. You can also enroll in a Medicare supplement plan at the time of your Medicare partnership. You have a six-month period to enroll in a supplemental plan beginning on the month of your 65th birthday and/or if you qualify for Medicare Part B.

9. You must not have a Medicare Advantage Plan and an additional Medicare Plan at the same time. You have to choose one over the other.

10. Medicare Part D is the plan for prescribed drugs. You will not automatically enroll in a Medicare Part D plan. You will need to enroll with a Medicare Advantage Plan or, a separate plan that offers only Medicare Part D.

From the above, you can see that there is a lot to consider as you approach the age of eligibility for Medicare. For more information, contact the Department of Aging in your country.

Medicare is not for Senior Citizens Alone.

Medicare is not for Senior Citizens Alone.

If you are under age 65 and you are disabled, you will automatically receive Medicare Parts A and B (including the original Medicare), as well as other Social Security benefits or retirement benefits from railroad for 24 months.

You must get a Medicare card during the 25th month that you received disability benefits. Even if you go back to work, you will continue to receive grants for Part A for 8 ½ years at no extra charge.

If you suffer from Amyotrophic Lateral Sclerosis (ALS), automatically you will receive Parts A and B the month in which disability benefits start.

What Protection does Medicare Supplement Insurance give?

For senior citizens, Medicare expects individuals below the age of 65 to subtract deductibles before the start of Medicare. Even after the allowance for Part A or Part B has been reached, co-insurance may require Medicare and the patient to pay part of the medical bill. Similarly, some services partially covered by Medicare could result in additional fees or payments.

Part A of insurance includes $1,134 in deductible. Your insurance will not begin until you have satisfied the excess for a specified period called the benefit period. This begins the day of your visit to the retirement home or hospital and lasts until you receive assistance from the hospital or for 60 consecutive days.

Now, if at the end of a period of service you are hospitalized or need treatment, you must insure the deductible again. There is no limit to the number of times needed to satisfy this deductible portion.

Part B assists with laboratory tests, medical assistance, home care, outpatient treatment and other non-hospital care services. Now, it has an annual deductible of about $ 162, after which he pays 80% of a pre-approved rate for services offered by health professionals in addition to hospitals. You are responsible for the remaining 20%. If the doctor calculates more than the Medicare rate, you are also responsible for the excess.

Depending on the Medigap policies available in your state, you may be eligible for Part A and B deductibles. Some Medigap policies also provide for the 20% Medicare Plan. Medical benefits are payable and fees charged by the physician exceed the rate set by Medicare.

When can individuals below 65 years enroll for Medicare supplement insurance?

If you have Medicare Part B for medical services, you may be eligible for Medicare Supplemental Insurance in many states. Registration will be required 6 months after Part B insurance comes into effect.

During this period, the right to buy a Medicare supplement or Medigap policy is insured by many states, regardless of their health problems. No subscription is required, so it is not possible to reject the application on the basis of a pre-condition.

Of course, at age 65, you have a second chance for an open enrollment. It is extends to six months after 65 years. If already you have signed up for 2019 AARP Medicare supplement Plans insurance, you can switch to another plan without conducting a medical risk assessment.

Medication for Chronic Constipation in Seniors

Medication for Chronic Constipation in Seniors

For occasional constipation, the following medications can be used:

Medications that will stimulate the intestinal receptors, causing it to move;

Medications that will interfere with the absorption of water from the colon into the blood. Examples include “Magnesium sulfate”, “Salt of Karlovy Vary” and others;

Osmotic preparations – these contribute to the absorption of water from the blood into the intestine, resulting in an increase in the volume of feces. The increased volume of intestinal contents stimulates the receptors of the intestines better, which causes defecation. Such remedies include lactulose drugs like Duphalac, Prelaksan, and Laktuvit. They are a good substrate for the growth of beneficial bacteria in the intestines that can inhibit the activity of harmful bacteria, and remove ammonia with the fecal mass that is toxic to the brain.

Drugs that increase the intestinal contents by holding water in it (“Fortrans”, “Forlax”) can only be used before ultrasound or x-rays of the intestine, once. They are prescribed by a doctor, who preliminarily excludes heart failure, intestinal obstruction, Crohn’s disease, and ulcerative colitis.

Periodically occurring constipation in older people can also be treated with laxatives. They come in several forms:

Laxatives that promote the production of gases in the intestine, which should push the intestinal contents out. These are Evacue, Ferrolax, and Calciolax. They may be used during hemorrhoids and rectal fissures.

In addition to the usual laxatives, modern drugs that strengthen the motility more gently can also be used. They include:





However, note that laxatives can also cause lazy bowel syndrome in the patient. It is also necessary to conduct an examination of the body for diseases that may aggravate the condition of the intestines. Some of these include atherosclerosis, diabetes mellitus, parkinsonism, neurological diseases, hypothyroidism, and helminthiasis. Without adequate treatment of these diseases, stimulation of the intestinal peristalsis alone might not cure chronic constipation.

Medigap Supplements: Find AARP medicare advantage plans 2019 allow older folks in the United States to cover add-on costs like co-insurance & copay.

Tips For Older Adults To Stay Healthy On Summer Vacation

Tips For Older Adults To Stay Healthy On Summer Vacation

As you age, travelling becomes one of the things you want to do with your life. It’s understandable because before you turned 65, just like most of us, you never had enough time to go on vacation. You were busy with work, and your tight schedule could not allow you to travel as frequently as you wished. Now that you have time in plenty, and you can travel whenever you want, you should also remember that as you enjoy yourself, you should always ensure that you keep safe and healthy. In this post, we have focused on how seniors can stay healthy on a summer vacation.

  1. Wear sunglasses

Sun can be enjoyable and there is nothing as fun as enjoying the summer hot sun on the beach. However, you should remember that sun can also be dangerous to your eyes and skin. Always ensure that you protect yourself from sunburns. To protect your eyes, always wear sunglasses whenever you are on a summer vacation especially during hot, sunny days.

  • Stay hydrated

This is no brainer, but most seniors sometimes fail to remember it, or some just ignore thinking that it won’t be dangerous. When you are on a summer vacation, be sure to take plenty of water and fluids to stay hydrated at all times. Always have a bottle of water in your car or carry it along wherever you are going and remember to sip that water every now and then.

  • Wear flat shoes

As you age, you lose your physical strength and your risk for fall increases. Flat shoes will reduce your risk for stripping and falling when you are on a vacation. Besides, flat shoes are more comfortable especially on a hot weather.

  • Eat healthy foods

Whether you are at home or on vacation, you should never compromise on what you are eating. You need to take balanced diet every day to improve your immune system, and to get your worn out cells repaired and replaced accordingly. Balanced diet is even more important for anyone who is 65 or older because their immune system has started to become weaker and only good food can maintain it. So, as you enjoy yourself on a summer vacation, make sure that you eat balanced diet.

  • Slow down

Don’t get overexcited and stay on the move all day long. Be sure to slow down and have some quality rests at intervals within the day. You need aarp medicare advantage plans at https://www.medicareadvantage2019.org/aarp-medicare-advantage-plans-2019/your strength to start another day in high spirit. So, be sure to also have good sleep at night.

Polypharmacy in Seniors: Things to Remember

Polypharmacy in Seniors: Things to Remember

Polypharmacy is a widespread problem of modern clinical medicine, which occurs as a result of the excessive prescription of medicines by specialists. This phenomenon is more common in older people who simultaneously suffer from several diseases.

Polypharmacy is a common tactic for treating many pathologies. Therefore, in a hospital or outpatient therapy, the patient often receives 2 to 10 drugs at a time.

Important! The combined use of several drugs can increase the risk of adverse reactions and drug interactions, reduce patient adherence to therapy, and increase the cost of treatment.

Polypharmacy is often a necessary measure when an elderly patient has a history of multiple disorders. In such situations, the doctor seeks to simultaneously cure all existing diseases, to prevent the occurrence of complications.

According to statistics, polypragmasia has the following disadvantages:

It can increase the risk of adverse reactions by 6 times. If a person takes more than 3 drugs at the same time, then the probability of side effects increases 10 times;

Taking 2 medications simultaneously provokes drug interactions in 6% of patients. With the joint use of 5 drugs, this parameter reaches 50%, while taking 10 drugs – 100%;

It can increases mortality from side effects in the elderly (over 80 years).

In 80% of cases, doctors do not know what medicines patients take, as older people are often seen immediately by a specialist. A few specialists have a habit of prescribing their own treatment without taking into account the recommendations of other doctors.

Why does polypragmasia occur?

Most medicines are obtained synthetically from various chemical components. Manufacturers are closely monitoring the fact that drugs can eliminate the symptoms and causes of the disease, and do not have a detrimental effect on the human body.

However, the improper use of drugs can provoke unforeseen drug interactions. As a result, chemical reactions occur not only between the original ingredients of drugs but also their active metabolites. This causes the formation of highly allergic complexes that cause severe generalized bullous dermatitis, epidermal necrolysis.

Often polypragmasia occurs due to the wrong choice of drugs when the patient is prescribed unidirectional or optional medications. Also, people in old age often suffer from a condition known as pharmacomania where they develop a habit of consuming certain medicines, even if they are ineffective.

Medigap for older individuals: Seniors who’re 65 & above should check Medicare supplement plan G 2019 which allow them to cover expenditures such as deductible.

Physiotherapy for Treating Osteochondrosis in Seniors

Physiotherapy for Treating Osteochondrosis in Seniors

Osteochondrosis is a degenerative disorder that damages the cartilage of the intervertebral discs and changes the vertebral structure in the patient. This is the most common chronic disease that occurs in 95% of patients over the age of 60. Osteochondrosis in the elderly can cause damage to the cervical, lumbar and thoracic spine. Physiotherapy techniques are widely used to alleviate the condition of the sufferer. They impact directly on the affected area of the spinal column, which accelerates recovery and reduce the load on the body. Some of the treatment procedures that can be undertaken are listed below:

Exposure to ultrasound. The technique is based on the effect of ultrasound radiation on the spinal tissue, which contributes to the speedy recovery, and increases the effectiveness of medical treatment; Electrophysiotherapeutic methods: These includes DDT, SMT, and electrophoresis; Magnetotherapy. The method leads to the acceleration of metabolic processes in the body, and contributes to the restoration of connective tissue elements; Laser therapy. It helps in eliminating the inflammatory process; Shock wave therapy. The technique involves the impact of acoustic waves to effectively eliminate pain and edema.

Experts recommend doing special medical gymnastics, and swimming to strengthen the muscular corset, reduce the load on the spinal column, and enhance blood flow in the body. Besides, these exercises can also increase the elasticity of the muscles as well as ligaments. Of great importance in the treatment of osteochondrosis is a balanced and rational diet. Diet therapy allows not only to increase the effectiveness of drug treatment but also to reduce the negative impact on the spine. It is necessary to exclude fatty, fried, smoked dishes, and pastries from your diet. Plus, it is important to monitor the daily fluid intake.

It is necessary to strictly follow all the recommendations of the doctor in order to minimize the painful sensations and maintain the mobility of the spine. It is also important to regularly engage in physical therapy, & follow the principles of proper nutrition. It must be remembered that only timely therapy under the supervision of a physician can prevent the development of complications of osteochondrosis, in addition to preserving the healthy functioning of the spine. Medigap for older folks: Seniors who are 65 & above can use AARP Medicare supplement Plans 2019 which cover expenditures like copay.

Osteoporosis in Senior Citizens

Osteoporosis in Senior Citizens

Do you know that the older a person is, the higher is their chance to suffer a fracture even from the slightest impact? And not always the case can end with a broken forearm or hand. Sometimes osteoporosis can be a primary cause of such fragility of bones in older people.

Osteoporosis is a chronic process, mainly caused by insufficient calcium intake in bone tissue. It leads to the change in the structure of the bones to an extent where they tend to easily break with the slightest of injuries.

Who is at risk?

The change in the structure of bones, the appearance of their porosity in most women begins at the age of 45 when the first signs of menopause appear. In men, these processes start a little later.

Women with lower levels of bone mass: Since after 45, women begin to lose about 1 kg of bone tissue per year, it is obvious that the “reserves” of such women run out faster;

women who smoke: Due to smoking, estrogen reserves in the body are depleted. In women, estrogen plays a key role in protecting the bones from destruction;

women and men who abuse alcohol: Alcohol prevents the absorption of vitamin D, which is responsible, in turn, for the absorption of calcium from food into the blood. This is how calcium reaches into the bones;

people who have excluded fats from their diet, especially animals: It also complicates the absorption of vitamin D and, consequently, the improvement of bone mineralization;

women living in stress: Constant nervous tension affects the working of the endocrine organs, as a result of which the ovaries begin to produce fewer estrogens;

ladies who had menopause before the age of 45;

people who are not able to receive an adequate amount of sunlight: UV rays help stimulate the production of vitamin D in the skin;

the elderly, who in their youth, in the period of active growth, received an insufficient amount of mineral substances;

those whose relatives suffered from osteoporosis;

elderly women and men who live a sedentary lifestyle;

individuals who’re suffering from diseases associated with the thyroid gland, parathyroid glands, and diabetes mellitus.

Supplemental Policy for seniors: The elderly who are over 65 & living in the USA can use Medicare supplement plan F 2019 for covering copay and deductible.

How to Choose the Best Medicare Supplemental Plan?

How to Choose the Best Medicare Supplemental Plan?

If you to shop for either a shirt or a new pair of shoes to buy, the options are not that challenging. You simply choose what you like or like most and move on to the next item you have on your list.

However, it is not so easy when it comes to finding the best Medicare supplement plan if you do not have the proper checklist. The following are 3 steps to assist you in finding the supplemental Medicare plan.

1. Which color do you prefer?

Are Medicare supplements available in color? Somehow. Here is what I mean:

If you buy a shirt on a shelf, all shirts can have the same cut and the same brand. The only distinction will be that they have different colors.

Medicare supplemental insurance is not very different. Each Medicare Supplement F plan is exactly the same as any other F plan in the Medicare supplement, in addition to the cost.

Here’s an example: If you go to the hospital with an additional Medicare F plan, the company will pay you $ 1,100 more than 100% of Social Security costs for items such as surgical exams.

If you visit any of the hospitals with an Medicare supplemental plan F from Company B, it will cover the deduction of $ 1,150 and all of all remaining costs.

The only real difference between these plans is the price. “Company A” may require a plan of $165 per month and “Company B” may charge the same $115 per month. That’s a saving of $50 a month or $600 a year. I may not know much about you, but I am of the opinion you like color much more.

2. What are your personal requirements?

If you are not faced with a health challenge, you may not have need for any plan to cover all types of health care costs, for example, with an extra F health plan or a plan J. You might be happy to have less. would do with a plan for example.

However, you must be careful in your selection. The Medigap insurance is quite convenient, so you need to buy as much coverage as possible even when you are in good health. If you subsequently lose your health, it may not be easy to change your plans because in most cases a plan will be issued because of your health.

3. Which service do you prefer?

In the past, many people had an insurance agent in their hometown, where they knew and could trust. Nowadays, most people do their shopping on the internet and examine their insurance alternatives which includes their supplementary coverage. Now, if you are like many individuals, you probably want to deal with it without too much pressure and do it in the comfort of your home.

When choosing a plan, it is imperative to compare benefits and costs to the specific needs of health care.

Your preferences and needs are an important factor in choosing a plan.

Contacting a Medigap broker for Medicare Supplement plans 2019 via www.medicaresupplementplans2019.com on the internet can be a workable solution. An online broker can buy and help you compare all the big agencies and help you get a more favorable plan for you.

Ways To Generate Additional Income In Retirement

Ways To Generate Additional Income In Retirement

Who on earth would not want to get extra money as a senior? Even if you have a lot of money in your savings account, you still won’t resist the urge to get more money. With more money, you are less likely to encounter stress in retirement. There are many options for retirees to get more money. Here are some of the options to consider.

  1. Start a business

May be you had been having the dream of starting g your own business even before retirement but you did not manage to do so. Now is the time to live that dream. Staring your own business in retirement is a great way to fulfill your lifelong goal and to make more money as well.

  • Monetize your hobby

One good thing about retirement is that you get the time and freedom to do what you want. For many seniors 65 and older, retirement means that there is enough time to dive into hobbies which may have been previously put aside due to the tight work schedule. But besides enjoying your time doing what you love, exploring your hobbies can also be an effective way to earn more money. Whether it is gardening, baking, or crafting, you can turn almost any hobby into a good business venture. There is nothing more fulfilling as making money from a hobby.

  • Buying an annuity

In case you have no idea what an annuity is, it is simply a contract between an individual and an insurance company. By giving out specified amount of money to an insurance company, the company issues your annuity and signs an agreement to give you a certain amount of income for the rest of your life. Unfortunately, this option is not for every senior citizen because it normally attracts a huge amount of fees, and it requires an individual to have a lot of money.

  • Invest your savings in dividend stocks

Of course, it is always tempting for seniors to abandon stock and opt for bonds and other safer investments. However, holding on to dividend stocks can actually pay in retirement. Just invest your money in companies that are known to pay good dividends, and you will be able to collect your payments quarterly throughout your retirement years. You can use 2020 Medicare Supplement Plans the quarterly payments freely and enjoy yourself, or you can decide to reinvest the money into the company and get even more money.

Medicare Supplemental Insurance Benefits

Medicare Supplemental Insurance Benefits

What steps can you take to have more insurance coverage of your medical expenses if you are in a circumstance where you are only allowed by Medicare to pay for almost all of your health care needs? Medicare supplemental insurance plans and Medicare benefit plans can be used to supplement the basic Medicare plan A and B benefits, also referred to as Original Medicare plan.

These sort of plans will help you with Medicare payments and deductibles. Only Medicare Advantage plans offers coverage for prescription drugs. If you have an original Medigap and Medicare plan, you can also add a Medicare Part D, which is a controlled drug plan.

If you choose to go with Part D of Medicare or Medicare Advantage plans to provide insurance coverage for the cost of drugs, every plan does not insure all prescription medication. Before you sign a plan, make sure your medicines are insured. Additional Medicare plans have fewer restrictions for the doctors you choose.

One of the major distinctions between Medigap and Medicare Advantage plan is that you will have the liberty to choose your own doctor. Supplemental Medicare plans permits you to select any hospital or physician that recognizes Medicare. Now, Medicare Advantage supplies provide assistance through HMOs that limit the choice of physicians in a network. Although in circumstances where you are in need of urgent or emergency assistance, you are not going to be limited in any way.

If you need a specialist considered to be “out of network” for non-urgent or non-emergency, lack of insurance can hinder you from having access to essential care for your condition.

Medicare Advantage plans are not standardized

Standardizing benefits is another important difference between these two kinds of insurance. About 10 packages of services were produced due to the standardization of Medigap insurance; and each combination of plans is designated by a letter.

See, for example, Medigap plan F, most benefits and benefits will always be the same, whether Human, Blue Cross Blue Shield or not plan F, etc.

Medicare Advantage supplies are not standardized. You should ask more questions and understand the rules that apply to each plan. Many benefit plans may require you to follow different rules and pay for different drugs.

Adhering to a plan may be prohibitive in the long term.

Many senior citizens choose to seek for avenues to make better their health insurance and fix it permanently, but it is an expensive strategy. Available plans change from year to year. For example, in 2010, Medigap plan eliminated some plans and added two new packages in the low-cost premium range. If you do not have new plans when you reach the market, you may not be able to expand your insurance or reduce your premiums. Even though 2020 Medicare Supplement Plans do not interest you right now, you should consider them in the near future. Health system reform has added more incentives to these plans to improve health care. High quality service qualification plans receive government bonus as a reward.