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Benefits of Juniper Oil for Seniors

Benefits of Juniper Oil for Seniors


Active ingredients of juniper oil:

Monoterpenes – Juniper oil is rich in monoterpenes, especially pinene. It is to them that the oil owes its antiseptic and analytical properties.

Alkaloids – Juniper oil contains terpineol. This component has a diuretic effect and directly stimulates the kidneys. Therefore, juniper oil should not be used for people with kidney problems.

Esters – One of the varieties of juniper common, growing in the mountains, contains more esters, which has a more pronounced anti-inflammatory and antispasmodic properties.

Juniper Oil Benefits:

Juniper strengthens nerves, helps fight tensions, anxiety, and anxiety. The unique stimulating and soothing properties of juniper oil make it a good tool to fight against nervous exhaustion and self-doubt.

Juniper helps to fight lymph stagnation and removes toxins from the body of the elderly. It facilitates breathing during respiratory diseases and can also be used to cleanse the skin.

Juniper oil is useful for a weak digestive system, especially in combination with grapefruit oil. It helps remove waste and toxins from the body.

Juniper stimulates the metabolism in our body and is an ideal massage oil for people suffering from rheumatism.

Use the stimulating and cleansing properties of juniper to thoroughly cleanse your body.

Clean the digestive system and the kidneys after excessive drinking or fatty foods with a massage of the abdomen. Mix 3 drops of juniper oil with 7 drops of grapefruit oil and 30 ml of sweet almond oil to remove toxins.

Stimulate the lymphatic system by dripping a few drops of juniper oil onto a sponge during a shower. Massage areas exposed to cellulite with quick movements and be sure you look into Humana Health Insurance 2020 at so you can have the proper coverage.

Usage of Juniper in the Ancient Period:

Juniper was highly valued by the Celtic tribes living in the mountainous part of Europe, they admired the ability of this plant to resist the harsh climate.In Scotland, juniper buds were hung over the door at the entrance to the farm and placed in animals’ stalls on the eve of the May holiday to drive away witches and evil spirits.There has been a tradition amongst the foresters of Wales to always keep juniper trees intact. It was believed that the tree that was cut down would meet its death or be unlucky the whole year.The word “juniper” comes from the Celtic juniprus, which means “to bite.” It was believed that juniper protects against snake bites and other poisonous creatures.

What Is the Importance of Medicare Supplement Plans?

What Is the Importance of Medicare Supplement Plans?

The supplement plans are specifically designed to work in conjunction with the original Medicare plan. These plans are not for everyone. Supplements can really in some cases, be a waste of hard earned money. The plans are used to pay for insurance that is not available through the original Medicare plan. There are 12 plans to select. Each plan works like the original Medicare plan. They insure all basic services, but they can concentrate on some more than others. All surcharges are available in all 50 states, but not all surcharges are sold by all insurance companies. Each company can sell only a selected number of Medigap plans.

The older you are, the more you need an extra plan. At this time in your life, you may find that you do not need that. If you are a doctor only for preventive treatment and you only need to fill a prescription once or twice a month, Medicare plans can lead to unnecessary expenses. This is especially true if you have Medicare Part A and Part B. You need to pay a premium in Medicare Part B. Some insurers consider the premium to be expensive. If you do not urgently need immediate medical treatment, you can discard the idea of ​​an additional plan.These plans are designed to help those who need more health insurance than others. The more you age, the more medical care you need. It is also very likely that conditions will arise that require frequent visits to the doctor and different types of treatments. These treatments cannot be included in the original Medicare plan assistance. This is where additional insurance is necessary.

Medigap insurance will help you manage your income and treatment expenses. If you have insurance, you may be paying very little out of pocket.Since the plans at for 2020 Medicare Supplement Plans only guarantees the beneficiary, couples can make some savings using a refund plan. This plan guarantees the individual who needs it. It is a good step if a partner is more prone to another person’s illness or suffers a debilitating illness. Buying these types of plans is not recommended “if something goes wrong”. At this point, you are trying to save, instead of wasting it. It would be useful to sit down and see if you really need an additional plan before buying one. An additional efficient Medicare insurance is very cheap, but it is not absolutely necessary to have double insurance. Seniors age 65 or older and enrolled in Medicare can be fully insured by purchasing a regular Medigap plan or enrolling in an advantage plan.A good place to start is to make sure that you and your family receive regular protection. People looking for the best Medicare supplemental insurance plan should answer the following questions:

  • If you or a member of your family has a serious accident or illness, is the current insurance sufficient to guarantee treatment?
  • What is the probability that you or one of your family members will suffer a serious illness or accident?
  • Additional hours, would it be useful to sign up for the best Medicare supplemental insurance?

You can opt for a voluntary retirement so as to pursue your goals and dreams

You can opt for a voluntary retirement so as to pursue your goals and dreams

There are those dreams which might have been difficult to accomplish during that time when your employer is always on your neck. Even with the availability of study leave, you may not be in a good position to pursue your dreams. There are a number of dreams which include being a car taster. If tasting cars has been your passion then you may pursue that dream by taking an early retirement or by basically waiting for your retirement period to come so that you can go ahead and do it. Some of the seniors may also long for pursuing a doctoral education after their retirement because learning has no age limit. Your dreams are always valid even when you are at the age of 65 and above.

Retirement could be that opportunity to realize who you want to be

Working and working and then retiring might not be satisfying. There might be something else that you want to do after your retirement like get a  2020 Medicare advantage comparison at
so that you can feel like you are actually accomplishing your mission on earth. If there is that thing which you feel like will satisfy you as soon as you retire, then make sure that you go after such dreams or aspiration so as to help you feel like you are finally feeling satisfied. It is very important not to remain with a doubt as to whether you did achieve what was mean to be achieved during your life.

Voluntary retirement gives you an opportunity to start pursuing your goals early

In the event that you feel like you will no longer wait for your retirement to finally come, it is not a crime and you are always free to ask or apply for an early retirement. With an early retirement, you will have an opportunity to start pursuing your long term ambitions as early as that time. You will agree with me that there are those types of employments which may not make a difference even if you wait till that date of retirement. If that is the case, then consider taking an early retirement. An early retirement means getting out of employment so that you can do something different that will help add value to your life. However, care should be taken so that you don’t mistake your retirement for a time to rest and enjoy your finances.

Seniors should diversify their Investment and never dwell on one Business

Seniors should diversify their Investment and never dwell on one Business

There is that investment idea which you have always dreamt of but you have not been in a position to invest basically because you could still be working. After you retire, it is important to consider the fact that it is very crucial not to put all your retirement finances into one particular investment. Just like the saying goes, “Never put all your eggs in one basket, it is important for you to make sure that you diversify you investment. Though related, your business ideas should be in such a way that you can invest in related business opportunities. Here are a number of reasons why I think, it is very important to make sure that you diversify after your retirement.

Investment diversification alleviates risks

Best Medicare Supplement Plans 2020The main thing that seniors wishing to invest should know is that you need to make sure that you avoid all the available business risks as much as possible. In order to avoid such risks, I hereby would like to advise you on the idea of diversifying. Let us have a look at an example where you have decided to open a restaurant. You also have in mind the idea that there are risks when the business is facing low season. In order to counter this issue, it is important to make sure that you diversify by making sure that you have another related business that runs concurrently with the parent business. With that you can decide to run a coffee or an ice cream bar within the premises. The importance of doing so it so as to make sure that while the food restaurant is not experiencing a peak season, the other business will consistently give you a normal profit that would run the whole business as you wait for the right season.

Diversifying investments helps you survive in the market

Survival is the basis of a new business investment. With that idea in mind, it is very important, therefore, to make sure that you need to diversify so that you can be in a position to survive the changes of the market. If you are a senior who have decided to invest, you need to make sure not to put your eggs in one basket. Make sure that you diversify so that your business can be like a building which is being supported by various pillars. Be diverse with healthcare needs and get a 2020 medicare supplement plan to be prepared.

Exercises that cannot be missed in the routine of the elderly:

Exercises that cannot be missed in the routine of the elderly:

People of 60 or more years old should practice physical exercise on a regular basis to maintain the ability to move and do things autonomously. According to the expert, physical activity prevents health problems, develops resistance, provides more energy and can help reduce stress, as well as maintain the functional level of the body and distract. To this is added that, if physical activity is done in groups, socialization is enhanced. It is recommended that people do 150 minutes of physical exercise a week which can be distributed in 30 minutes for 5 days, at any time, and that is accompanied by another person. Get 2020 medicare supplement quotes via

The routine of recommended exercises:

Stretching arms:

Stand with your legs apart, stretch both arms in front. Do not let your arm fall, cross both arms and at the same time bring your hands to the opposite shoulder; stretch your arms in front and bring your hands to your chest.

Exercises to strengthen the shoulder muscle:

With the legs apart and arms close to the body, bend the right elbow slowly bringing the hand to touch the shoulder. Do the exercise with the left arm and then perform the movement with both arms.

Open and close hands:

With your legs apart and your arms in front, open and close your fingers. For this exercise, it is useful to help yourself with a softball. The movements contribute to the mobility and strengthening of the hand.

Circles with the feet:

Sitting on the chair, lift the right foot off the floor and perform circular movements in and out, such as drawing a circle with the tip of the foot. Then do it with your left leg.

Heel lift:

Standing behind a chair and holding the backrest with both legs, raise and lower your heels; Do the movement five to eight times. This exercise offers stability for the joints of your knees and ankles.


Sitting on a chair, stretch your legs in front, and keep them resting on the floor. Lift your feet off the floor and open your legs; take them to the center, then lower them and rest. Repeat five times. Exercises strengthen the muscles of the legs


The practice of physical activity is good because:

– Improve balance and coordination.

– Strengthens bone structures and improves posture.

– It helps to avoid osteoporosis; oxygenates the whole organism.

– Increase the level of confidence and strengthen self-esteem, as well as perception and memory.

– It decreases the risk of coronary disease.

– It helps flexibility and mobility of the joints.

– It reduces depression, helps to relax, and increases overall well-being.

Whу Меdісаrе Раtіеnts Мау Наvе То Gеt Оut Тhеіr Сhесkbооks

Меdісаrе… Тhе wоrd еlісіts а vаrіеtу оf rеsроnsеs frоm blаnk stаrеs, tо rоllіng еуеs, tо dоwnrіght hоstіlіtу bу thоsе thаt аrе сurrеntlу bеіng аffесtеd bу mаssіvе сhаngеs tо thе рrоgrаm. Тhіs аrtісlе іs dеsіgnеd tо mаkе реорlе аwаrе оf whаt’s соmіng dоwn thе ріре іn rеgаrds tо Меdісаrе соvеrаgе fоr durаblе mеdісаl еquірmеnt аnd suррlіеs. Wе wіll соnсеntrаtе оn thіs аrеа аs іt іs оur sресіfіс аrеа оf ехреrtіsе. Ноwеvеr, mаnу оf thе іssuеs dіsсussеd аррlу tо оthеr аrеаs оf thе рrоgrаm аs wеll.  Wе wіll соvеr thе fоllоwіng аrеаs іn аttеmрtіng tо еduсаtе реорlе аbоut сhаngеs wіthіn thе Меdісаrе рrоgrаm аnd hоw thеу mау аffесt ассеss tо nееdеd dеvісеs аnd suррlіеs, аnd thеу quаlіtу оf whаt thеу rесеіvе.

1. Соmреtіtіvе Віddіng

2. Еlіmіnаtіоn оf 1st mоnth рurсhаsе орtіоn оn mоtоrіzеd whееlсhаіrs

3. Іnсrеаsеd аudіtіng оf suррlіеrs

Іf wе survеуеd 100 реорlе оn thе strееt оnе dау wіth nо раrtісulаr аttеntіоn раіd tо dеmоgrарhісs, І wоuld vеnturе tо guеss thаt 85 оr mоrе оf thеm wоuld nоt bе fаmіlіаr wіth thе рhrаsе Соmреtіtіvе Віddіng. Аs іt аррlіеs tо thіs аrtісlе, соmреtіtіvе bіddіng іs а рrоgrаm dеsіgnеd bу Меdісаrе tо fоrсе suррlіеrs оf mеdісаl еquірmеnt tо bіd аgаіnst еасh оthеr оn dіffеrеnt рrоduсt саtеgоrіеs іn dеfіnеd gеоgrарhісаl аrеаs fоr thе аbіlіtу tо рrоvіdе sеrvісеs wіthіn thаt аrеа оn еасh саtеgоrу. Іf уоu dоn’t wіn, уоu dоn’t gеt tо рrоvіdе sеrvісеs fоr thе durаtіоn оf thаt bіd, thаt sіmрlе. Тhе іntеnt оf thе рrоgrаm іs tо drіvе рrісеs dоwn bу mаkіng рrоvіdеrs соmреtе. Тhе rеаlіtу hаs bееn muсh blеаkеr. Рrоvіdеrs іn mаnу bіd аrеаs аrе раnісkіng аnd bіddіng muсh lоwеr thаn саn роssіblу bе sustаіnеd bесаusе thеу dоn’t wаnt tо lоsе thе rіght tо dо busіnеss wіth Меdісаrе. Аddіtіоnаllу, mоst іnsіdеrs bеlіеvе thаt mаnу wіnnіng bіddеrs wіll nоt bе аblе tо ассоmmоdаtе thе mаssіvе іnсrеаsе іn сustоmеrs( аs mаnу аs %1000 іnсrеаsе іn sоmе саsеs) thаt wіnnіng аn ехсlusіvе bіd соuld сrеаtе. Веlоw аrе sоmе ехаmрlеs оf рrе аnd роst bіd рrісіng tаkеn frоm thе lаtеst rоund 2 bіd іn Роrtlаnd, Оrеgоn.

Ѕtаndаrd Grоuр 2 роwеr whееlсhаіr рrе bіd $3800 роst bіd $1800(thеsе аrе рrісеs раіd оut оvеr 13 mоnths).

Ѕеmі еlесtrіс hоsріtаl bеd рrе bіd $126.00/mоnth роst bіd $71.45/mоnth(thеsе fіgurеs dесrеаsе bу 25% іn thе 4th mоnth оf bіllіng).

Dіаbеtіс tеst strірs (реr vіаl оf 50) рrе bіd 36.00/еа роst bіd $10.41/еа

Usіng thеsе 3 ехаmрlеs thе рrісіng wіll dесrеаsе bу аnуwhеrе frоm аrоund 90% tо оvеr 300%. Κnоwіng thе соsts аnd rеtаіl vаluе оf thеsе suррlіеs аnd dеvісеs, іt’s еаsу tо sее thаt thіs іs sіmрlу unsustаіnаblе. То рurсhаsе а mоtоrіzеd whееlсhаіr аt соst thаt hаs аnу quаlіtу аt аll саn еаsіlу аррrоасh thе bіd fіgurе thаt уоu wоuld rесеіvе аs а suррlіеr оvеr thе соursе оf 13 mоnths. Тhіs wоuld рut уоu аt а trеmеndоus lоss іf уоu fіgurе іn thе tіmе іt tаkеs tо gеt fullу раіd. Тhеn fасtоr іn thаt mаіntеnаnсе, sеrvісе, аnd dеlіvеrу аrе іnсludеd fоr thе 1st 13 mоnths, аnd bіllіng аnd shірріng fееs. Тhе оutсоmе оf thіs wіll bе 2 thіngs. Маnу рrоvіdеrs thаt suррlу роwеr сhаіrs wіll јust stор dоіng sо. Тhе оnеs thаt dо wіll bе dіsреnsіng muсh lоwеr quаlіtу dеvісеs. Тhіs wіll hарреn wіth еасh dіffеrеnt саtеgоrу оf suррlіеs rеsultіng іn mаnу реорlе nоt bеіng аblе tо fіnd соmраnіеs wіllіng tо рrоvіdе sеrvісеs, аnd а mаrkеd dіffеrеnсе іn thе quаlіtу асrоss thе bоаrd оf sеrvісеs thеу dо rесеіvе. Тhе nехt іssuе іs thе еlіmіnаtіоn оf thе 1st mоnth рауmеnt орtіоn fоr mоtоrіzеd whееlсhаіrs. Uр untіl 01/01/2011, bеnеfісіаrіеs wеrе аllоwеd tо hаvе thе роwеr whееlсhаіrs thеу wеrе rесеіvіng раіd fоr uроn dеlіvеrу іn а lumр sum. Аftеr thіs tіmе, thе dеvісеs wеrе mоvеd tо thе сарреd rеntаl рrоgrаm аnd іt nоw tаkеs рrоvіdеrs 13 mоnths tо rесеіvе рауmеnt іn full fоr thеsе сhаіrs. Іf уоu соuрlе thіs wіth thе mаssіvе rеduсtіоn іn fееs duе tо соmреtіtіvе bіddіng, thе сhаngе іn whаt іs rесеіvеd іs stаggеrіng. Usіng thе аnаlоgу оf buуіng а nеw саr hеrе іs whаt thе bеfоrе аnd аftеr wоuld lооk lіkе;  А nеw саr thаt а dеаlеr соuld sеll fоr 30,000 саsh іn 2005 wоuld nоw hаvе tо bе sоld fоr $10,690 аnd fіnаnсеd fоr 13 mоnths. Аlsо, thе рrісе оf dеvісеs оf еquаl quаlіtу hаs nоt gоnе dоwn оvеr thіs tіmе frаmе, Тhеrе аrе јust mаnу mоrе іnfеrіоr quаlіtу dеvісеs bеіng оffеrеd tо mееt thе dеmаnds оf thе рауmеnt rеduсtіоns.

Тhе thіrd іssuе іs thе rаmріng uр оf рrе аnd роst рау аudіts fоr еquірmеnt аnd suррlіеs. Аudіtіng саn bе а gооd wау tо stор аnd рrеvеnt frаudulеnt рrасtісеs іf реrfоrmеd rіght. Неrе іs hоw thе рrосеdurе shоuld gо;

1. Меdісаrе rаndоmlу rеquеsts tо sее рrооf оf mеdісаl nесеssіtу аnd dеlіvеrу оf sеrvісеs fоr а раrtісulаr сlаіm frоm а рrоvіdеr.

2. Іf thе рrоvіdеr іs аblе tо рrоvіdе аll оf thе rеquіrеd рареrwоrk, Меdісаrе mоvеs оn. Іf nоt, а sеt numbеr оf аddіtіоnаl сlаіms fоr thе sаmе tуре оf sеrvісе аrе аudіtеd.

3. Іf а trеnd іs fоund, аn іnvеstіgаtіоn іs stаrtеd. Іf thе рrоblеm іs rеlеgаtеd tо thе оnе сlаіm, thе рrоvіdеr іs аskеd tо рау thе mоnеу bасk оr, іf а рrерау аudіt dоеsn’t gеt раіd fоr thаt раrtісulаr сlаіm.

Тhаt’s hоw іt shоuld wоrk. Ноwеvеr, аll tоо оftеn Меdісаrе wіll рісk а саtеgоrу tо аudіt аnd соntіnuе tо аudіt thе sаmе саtеgоrу frоm thе sаmе соmраnу nо mаttеr hоw mаnу tіmеs thе соmраnу рrоvеs thеу аrе соllесtіng thе рrореr dосumеntаtіоn. Аddіtіоnаllу thеу аrе tуіng uр сlаіms frоm рrоvіdеrs whеrе thе dеnіаls wеrе fоr “dоt thе і, сrоss thе t” tуре рrоblеms nоt dоwnrіght frаud. Тhіs іs јust аnоthеr wау thаt Меdісаrе іs drіvіng рrоvіdеrs оut оf thе mаrkеt аnd lіmіtіng ассеss tо dеvісеs аnd suррlіеs thаt bеnеfісіаrіеs nееd. Тhе рrоblеms thаt thе durаblе mеdісаl іndustrу іs hаvіng wіth Меdісаrе аrе nоthіng nеw. Ноwеvеr, thе drаstіс сhаngеs аnd bаd роlісу іmрlеmеntаtіоn оf thе lаst 7 оr 8 уеаrs іs сrеаtіng а sіtuаtіоn fоr соmраnіеs аnd bеnеfісіаrіеs whеrе thе оnlу wау реорlе mау bе аblе tо gеt thе thіngs thеу nееd wіll bе tо рау fоr іt оut оf росkеt.  Find out more at

SIMPLE IRA – A Simple and Safe Savings Concept for Retirement

The challenge of having a proper retirement plan can be a quite complex process. Today, there are various different plans and retirement programs. These retirement concepts offer different benefits and pathways towards the financial stability in the aging process. One common plan that we will analyze in this article is the so-called SIMPLE IRA. The SIMPLE IRA plan is a retirement plan that in most cases is used by small companies and enterprises. The main reason why many small business use this retirement plan is the broad advantages of the model. The first and foremost, is the benefit of having an easy setup system. The plan is based on short number of documents which are easy to fill up thus making the application process quick and simple. Moreover, it is important to emphasize that some financial enterprises and brokers can initiate the whole plan through email or phone. The second advantage is that the SIMPLE IRA is designed for small companies only. Usually, the this type of IRA plan is usually offered for business that employ less than 100 workers. Moreover, the plan has a limitation which makes unavailable for the big companies and corporations.

When you are thinking about your finance don’t forget to check on your health insurance rates.  Go to to save you money. With a simple handling process this type of IRA also includes easy to understand IRS statements end of year statements. Moreover, the IRA retirement plan can be maintained without the obligation of paying very large fees in order to keep the account. Furthermore, this retirement concept tend to match specific part( expressed in percentage) of the contributions of the worker. This element can have a galvanizing effect because it can help the employer and the employees. The workers benefit is based on the fact that through this concept they get extra funds towards their retirement account for free. The companies benefit because they have the option for a tax deduction from their taxable income for every dollar that they contribute.

However, one negative aspect of the SIMPLE IRA retirement plan is the possible penalties. To be more specific, in case a user decides to withdraw money before the retirement age, there is a high possibility of penalty fees as high as 25 % of the total balance. Moreover, if an individual decides to withdraw funds in the first two years of joining the IRA plan, this 25 % fee penalty will be activated. An additional challenge of the SIMPLE IRA is that a participant cannot transfer funds into any other type of account. One notable example is in situations where a worker wants to change employers during the first two years of the plan. In that case, the user will not be able to transfer the funds into a new 401k account without some fees. A person might get charged with the 25 percent early distribution penalty which would significantly decrease the retirement savings. The SIMPLE IRA plan represents a solid retirement concept for many employees and companies as well. It is safe to say that is a win-win situation for both parties. That is why, SIMPLE IRA retirement plan is perfect for employers and employees that have a stable and long-term professional relationship.

Advantages of Medicare Supplement Plans

As the name suggests, Medicare Supplement Plans are plans that supplement Original Medicare (part A and Part B). These plans are meant to reduce out-of-pocket cost. Since they fill in price gaps left by Medicare Part A and Part B, you cannot enroll in a Medigap policy if you don’t have Original Medicare cover. Also known as Medigap Plans, pay for health-care services and supplies that Medicare Part A and Part B does not cover such as coinsurance, copayments and yearly deductibles. They also cover for emergency health-care services provided outside the U.S.

Medicare supplement plans

There are 10 standardized plans represented by letters A, B, C, D, F, G, K, L, M and N. Benefits in each of these plans are same regardless of the provider (insurance company) or location, though coverage levels and premiums may vary. Massachusetts, Minnesota, and Wisconsin each have their own different set of standardized Medicare Supplement plans. Find more information at

Main advantages of buying Medicare Supplement Plans

  • Helps to pay the 20% of Part B medical expenses that Medicare doesn’t cover.
  • Helps to protect you against unexpected out-of-pocket costs.
  • You can choose any doctor or health care that accepts Medicare.
  • Freedom to travel. Medigap plan C, D, F, M and N offers coverage for health-care services provide outside the U.S.
  • Your coverage is Guaranteed Renewable for Life – as long as you pay your premiums, the provider (insurance company) cannot cancel your policy regardless of your health status or age.

Additional facts that you must know about Medigap Plans.

  •  Medical Advantage Plan, Medical Prescription Drug Plan(part D), Medicaid, Veterans benefits, TRICARE, Employer or unions Plans, Indian Health services, Tribal and Urban Indian Health Plans are not Medigap plans.
  • Medigap policies generally do not cover Long-term care (care in a nursing home), eyeglasses, hearing aids, Private duty nursing, prescription drugs and dental care.
  • Medigap Plans don’t include prescription drug coverage. If you want prescription drug coverage,you can enroll with Medical Prescription Drug Plan.
  • If you have Medicare Advantage Plan,you can still buy Medigap plan but ensure you can leave Medicare Advantage Plan before your Medicare Supplement Plan begins.
  • Medicare Supplement plans covers one person only, so if you are married, you and your spouse should get separate Medigap policies.
  • It is against the law for any insurance company to sell Medigap Plan to you if you have a Medical Savings account (MSA) plan.

Medicare Supplement Plans Vs Medicare Advantage – How To Decide

Taking care of health for seniors after retirement isn’t easy because the older you’re the more health problems you are facing and if you haven’t saved much after retirement you’re on a tight budget. Therefore there is the need to choose wisely Medicare plans that will cover all your healthcare needs without much stress. We all know original Medicare isn’t enough, you have to choose between Medicare advantage and Medicare supplement plans, and it’s not easy to choose between the two. You have to make a lot of comparisons in order to make the right decision.

Let’s take a look at the benefits of both to help you find the one that will suit you the most. Remember one thing though; there is no single best plan but only the one that can meet your health care needs. View all the options available and their benefits, and then choose the one that will cover your healthcare the most.

Advantages Of Adding Medicare Supplement Plans To Your Original Medicare.

Since original Medicare can’t cover all your health care costs there is the need to consider some of the Medicare supplement plans available to help you fill in the gap. Here some of the reason you might consider choosing Medicare supplement plans:

You Can Choose Any Doctor You Want. 

Any doctor that accepts original Medicare will accept you, unlike Medicare advantage where they’re network based.

 No referral.

A referral is not needed before visiting a specialist. Primary care physician isn’t needed.

 You Have Many Options. 

There are 10 plans available to choose from and these plans are the same nationwide. You can only choose a plan that suit your health care needs.

Less Paperwork

Your provider will send all bills to your doctor without you getting involved, unlike Medicare advantage you have to make some copayments to your provider, which means you’re more involved.

 Less out of pocket expenses.

Medicare supplement plans have less out of pocket expenses compared to Medicare advantage.

Advantages Of Medicare Advantage

 Premium Costs Are Lower

Premiums costs for Medicare advantage are less than that of Medicare supplements. The average cost of premium for Medicare supplement is around $200, while Medicare advantage has an average of $100.

Drug Coverage

Medicare advantage can cover your prescription drugs while AARP Medicare Supplement do not cover prescription drugs, you have enroll Medicare part D.

While Medicare advantage has their open period at the end of every year, with Medicare supplement plan the only time you have guaranteed approval is within the first six month after enrolling into Medicare, this is the open enrollment period, when this period is over, you can be rejected due to your health status.

Which Plan Should You Choose?  GET ONE HERE

If you have health problems that require expensive care, it’s better to go with Medicare supplement plans, Even though premiums are higher, it’s the best option for you and there are less out of pocket expenses. On the other hand, if you have fewer health issues and you’re expecting less healthcare costs, then Medicare advantage is the best option to enroll.

Your Medicare Plan Will Require Extra Protection

Seniors are your Medicare Advantage lead. They have a huge category of protection needs as they age. It is true that they saved through a lifetime in those days when private insurers had liberal annuity benefits, retirement, and health. They also spared when the cost of education was not exorbitant and they have raised a family with children. But it does not mean that they have already paid off their debtors.


Furthermore, chances are high that your Medicare Advantage lead has paid off his tenth home as regards to what it is valued today, depending on how early he obtained it. For instance, it is not unusual to listen to tales from elderly citizens who bought their homes for $50,000 30 years ago and saw their property increased to $500,000.


Some would even have a value of a million. In various cases, their homes were paid off decades ago. But they are still paying property charges for a lower cost property. These leads enjoy a lower property charge rate than their young neighbors who just bought a property two years ago.


Medicare AdvantageProgram

When you develop trust with your Advantage lead, like the ones at ought to notify him of the alarming need to protect the outstanding sources he has worked over for many years. Advise him so his accumulated treasures that he obtained three or four decades ago will not go to unneeded expenses. As an example, 20% co-pays as needed by Medicare.


Thus, let your lead understand that Medicare has plenty of insufficiencies. For that reason, he needs a program that can handle co-pays in case he would be gravely sick.


Long Run Treatment Insurance

After additional protection is handled, advise your Medicare Advantagelead on the benefits of long-term treatment coverage. Beginning at 2010, greater than 15 million American elders call for long-run treatment at an expense that is near $80,000 each year.


Near half of the elderly population experiences deteriorating conditions, like injuries from mischances, major joint swelling loss of movement from stroke, Alzheimer’s etc. These elders need long care treatment, which is expensive.


You ought to pass on these facts to your Medicare Advantagelead and ask regarding whether he smartly could wish to spend $80,000 annually and whether he has the possessions to preserve this care for a decade or so. Otherwise, your Medicare Advantagelead should truly think about obtaining long run treatment protection.


Thoroughly Pick a Leads Provider

As an operator, you should choose a Medicare Advantage lead provider that reinforces you with additional products, like long-term treatment insurance, final cost insurance, and financial preparation options. Similarly, select a provider that backs you in the field and offers you careful leads in your favored area.