Medicare Supplement plans and Medicare Advantage Plans

While Original Medicare which includes Part A and Part B, covers numerous health services costs, it still is not able to cover everything. Indeed, even with the covered services of health care, individuals are still in charge of various copayments and deductibles. Also, Medicare Part A and Part B don’t cover certain benefits, for example, routine vision and dental, physician recommended drugs, or foreign health care services. In the event that the sum total of what you have is Original Medicare, you’ll have to pay for these expenses out-of-pocket. Thus, numerous individuals with Medicare select in Medicare plans to cover these areas in coverage. There are two kinds of Medicare plans i.e.  Medicare Advantage and Medicare Supplement (or Medigap) plans. Medicare Advantage plans are an elective method to get Original Medicare, while Medigap plans work with your Original Medicare coverage. These plans have a few differences with regards to costs, advantages, and how they work. It’s imperative to comprehend these distinctions as you review your Medicare coverage alternatives.

Difference between the Medicare Supplement plan & Medicare Advantage Plan:

United Healthcare medicare supplement work with Original Medicare, Part A, and B, and may help you to pay for specific costs that Original Medicare doesn’t cover. These plans don’t give stand-alone coverage and you have to remain selected in Part A and Part B for your medical and hospital coverage. In the event that you require prescription drug coverage then you’d get it through a Medicare Prescription Drug Plan, not a Medicare Supplement plan. When you purchase a Medicare Supplement plan, you are still selected in Original Medicare, Part A and B. Medicare pays for your hospital services charges essentially, while the Medigap plan just takes care of certain expense sharing costs required by Medicare, for example, copayments or deductibles. Likewise, Medigap plans may help you with different costs that Original Medicare doesn’t cover, for example, Medicare Part B excess charges or emergency Medicare coverage when you are out of the country. Remember that Medicare Supplement plans must be utilized to pay for Original Medicare costs; they can’t be utilized with Medicare Advantage plans. On the other side, Medicare Advantage plan are another option to Original Medicare. On the off chance that you enlist in a Medicare Advantage plan, you’re still in the Original Medicare. However, you’ll get your Medicare benefits through your Medicare Advantage plan, rather than through the governmentally managed program.  To select in a Medicare Advantage plan, you must:

  • Have Original Medicare, Part A & B.
  • Live in the service area territory of the Medicare Advantage plan you’re thinking about.
  • Not have the end-stage renal disease (with a few exemptions),

Medicare Advantage plans must give an indistinguishable level of scope from Original Medicare, except for hospice care (which is as yet secured by Part A). A few plans may likewise cover extra advantages that Original Medicare doesn’t cover, for example, routine vision and dental care services, health programs along with the prescribed drugs.

Tips to derive free Medicare Supplement plan leads

With time, the popularity for Medicare Supplement plans has only increased significantly. Enrolling with the right policies can help people save huge amount of dollars and stay protected from the rising medical expenses annually. Agents are required to generate multiple leads in order to achieve success in this field. As a matter of fact, successful agents are likely to be innovative and creative enough to find new ways and means to reach out to potential customers and thus increase their client base, sales and profits.

Ways to create leads for Medicare Supplement plans

Supplement plan leads can be generated in various ways. One can make use of the free classified ads in local papers, notice and bulletin boards and at online sites. It is necessary to include contact information in the ads along with personal business website URL to promote the business. A well detailed and researched site is sure to bring in plenty of leads quickly and effectively. This particular method can also bring in lots of potential queries on a constant basis that can be converted into leads and subsequent sales. Many people are interested to seek assistance or knowledge about the different types of Medicare Supplement plans, the benefits offered, price and the type that they should choose for themselves and their spouse. Forums are also wonderful places to reach out to potential clients and provide them with useful information. Although the forums might not offer the highest quality leads, they need to be taken into consideration. Some clients might be interested to buy a policy immediately, while others may take some time to decide or plan to buy later.

Even message boards can be used to advertise the different types of Medicare Supplement plans that is on offer as an agent and this process can be done both offline and online. Old age homes and community centers can be visited where many people may need supplement plans to reduce medical expenses. The other alternative will be to leave behind the digital footprint at several message forums available on the web. These forums are used contently by people of all ages to know about Medicare Supplement plans. It can prove to be a wonderful place to get good quality traffic to increase business.  Even social network sites like Tumblr, Facebook and Twitter can help increase business presence. Visitors should be encouraged to ask questions about the product that is being sold and relevant answers can help to win their trust.

Hiking For Elderly

I am sure that almost everyone in their life has gone on a hike in the past and or will end up going on a hike in the future. Some hikes can be easy and other ones can be very hard and there are also ones that are in the middle of that and that are almost like in the middle of pretty easy while also being hard. It isn’t hard to start hiking and it is a easy thing to do if you are wanting to see more of the world without traveling across the world. You can see new places and new views without leaving the state. Hiking is very easy to do if you start out on trails that are not for people that have been doing this their entire life.  Get a 2019 quote at

If you are someone that is old and you are someone that is interested in going on hikes and starting to be more active and you are wanting to see more of nature then it is probably best that you start to build up your endurance more and then start to go hiking on trails that are easier than most of them and going on trails that are lower in miles so that it is not too hard for you to do and will be more enjoyable than not because then you will begin to think that hiking is not for you and most likely you will give up on hiking all together. So be smart and start out slow and remember that you are not a pro at this and you will need to build you way up to be a pro just like anything else in life.

The next thing that you need to do is research different places in your area that have trails for you to hike and to walk on. You could even take your bike on a lot of trails if that is something you like to do. Hiking is not something that is for everyone and a lot of times there is trails that are not that safe for you to go on and can be very difficult to do and can be life risking. So you really have to do your research and know what you are getting yourself into. Start out small and then work your way up to going onto harder things rather than doing it the other way around that would be silly.

The ABCs of Medicare Supplement Plans

As it was already explained, Medigap plans help paying some of the costs Original Medicare does not cover, such as coinsurances, copayments and deductibles. Previously, we talked about some characteristics of these plans and the definition of the costs they cover, so in this article we will explain the general coverage of Medigap plans and the benefits that are not covered by them.

What do Medicare Supplement Plans cover?

Although each Aetna Medicare supplement Plan G is different, all of them must cover at least a portion of the following benefits: Medicare Part A coinsurance costs up to an additional 365 days after Medicare benefits have run out, Medicare Part A hospice coinsurance or copayment, Medicare Part B coinsurance or copayment and the first three pints of blood used in a medical procedure. The four benefits mentioned above are the ones covered in Medigap plan A, which is the most basic Medigap because it only covers those. The rest of the plans may have additional benefits and they will depend on the one you choose.

Regarding Medicare Part A, the rest of Medigap plans may cover: coinsurance for hospital stays, copayment or coinsurance for hospice care and Medicare Part A deductible. The coverage will depend on the plan you choose, but they usually go from 50% to 100%. Regarding Medicare Part B, the rest of Medigap plans may cover: Medicare Part B copayment or coinsurance, Medicare Part B deductible and Medicare Part B excess charges, which happens when a health care provider declines to accept Medicare assignment for a particular procedure or visit. The deductible is only covered by Plan C and F, and the excess charges only by Plan F and G. In these cases, the coverage also goes from 50% to 100%,

Besides Medicare Part A and B, Medicare Supplement Plans have other benefits. First we have Skilled Nursing Facilities whose coverage is limited by Medicare and the majority of Medigap plans cover the coinsurance for this type of care, from 50% to 100%. Then we have the cost of the first three pints of blood you get at a hospital, which is covered from 50% to 100%. In case you need more, Original Medicare will start paying the pints after the third one. Some Medigap plans also have foreign travel coverage, which cover emergencies you may have outside of the territory of the U.S. They cover health care services or supplies if the emergency begins during the first 60 days of the trip and they usually pay 80% of the billed charges (up to plan’s limits). This is available in Plans C, D, F, G, M, or N.  Lastly, we have the out-of-pocket limit, which is only covered in Plan K and L. When you reach a certain amount of money in expenses for Medicare-covered, the Medigap plan will cover 100% of Medicare-covered costs for the rest of the year.

     What benefits Medicare Supplement Plans do not cover?

The following services and supplies are not covered by Medicare Supplement Plans:

  • Long-term care (care in a nursing home)
  • Routine vision or dental care
  • Hearing aids
  • Eyeglasses
  • Private-duty nursing

In the past, some Medigap plans covered prescription drugs, but since 2006 Medigap plans are not allowed to do so. As they are not included in Original Medicare, you can get prescription coverage through Medicare Prescription Drug Plan (Part D), but do not get confused, this one is not part of Medigap plans.

Enrolling with Medicare Advantage plans

Medicare Advantage plans are considered to be a policy which helps the beneficiary to get coverage on those medical expenses not covered by Medicare itself. When payment is concerned for any medical procedure, Medicare tends to pay 80 percent of the charges, while the advantage plans pays rest of the 20% amount. In case, any additional payment is to be met, then the beneficiary has to pay it out from his own pocket.

About Medicare Advantage plans

There are in total twelve Advantage plans available in the market ranging from A-L and offer variety of coverage. As these plans fall within Medigap title, they are called Medigap plans.

Procedure to be followed to enroll with Medicare Advantage plans

  • It is the responsibility of private companies to sell Medigap plans and hence, premium offered is a bit higher. The plans might also be expensive for those who are healthy and will not use their policies much often. But those requiring to visit their doctors and hospitals frequently should go for Medigap policies. They need to list down the services required by them throughout the year and accordingly choose the right Medicare Advantage plans. Also it will be necessary to work out, as to how much medical expenses are covered by Medicare and the amount to be paid as out of pocket expenses.
  • The 12 advantage plans do offer different level types and coverage, not provided originally by Medicare. Therefore, one should check out Medigap plans to offer maximum coverage to the medical expenses incurred by the beneficiary. It is also crucial to know the plan that will provide coverage for the area where the person resides. in specific regions, Medigap plans are not known to provide coverage. Hence, the right plan needs to be selected that can be used at the time of medical emergency. This information can be derived from the state insurance department.
  • As Medicare Advantage plans have been standardized by the federal government in 1992, benefits offered by these plans are not likely to change, irrespective of the provider selected. It is the premium (plan cost) and customer service quality that is likely to differ and nothing else.

Therefore, those who are eligible for Medicare should ensure that they check out in details the different plans and find out what is in offer for them. The right selected plan is sure to provide them peace of mind and happiness.



Medicare Supplement Policy: Know the Tennessee plan

During retirement, people are faced with some crucial decisions. It is for this reason that PMOCO and State of Tennessee has been working together to come up with effective and affordable Medicare Supplement plans for such people. Once the person retires, he/she is eligible to apply for the Tennessee plan.

Why need the Tennessee Medicare Supplement plans?

This plan has been designed exclusively for retired teachers, local government employees and state employees including their eligible dependents and spouses. It can fill up the coverage gap left by the original Medicare. Those having availed Medicare coverage will need to apply for the Tennessee plan, so as to derive coverage of few expenses which is not borne by Medicare. Those eligible can enroll with this plan. This standard supplemental policy has been designed to fill up Part A and B Medicare coverage.

Types of gaps present with Medicare Part A and B plans

There are some charges that Medicare does not pay and needs to be taken care of by the recipient. They are as follows:

  • There is a deductible to be met every time the person gets hospitalized.
  • Medicare Supplement plans pays hospital charges between 61st & 90th day stay and an increase in amount up to 60 day for lifetime reserve maximum. There is also a deductible for outpatient expenses and doctor bills. The additional 20% of Medicare approved charges is to be paid by the individual.

The person can be held responsible for any kind of amount over Medicare approved charges, especially from those not accepting Medicare assignment. The pocket expenses, even after being covered with Medicare is likely to add fast, thereby causing financial difficulty. Such gaps can be successfully by The Tennessee Medicare Supplement plans. The federal law has approved 10 standard supplemental plans to be offered to eligible candidates in the region. It also provides benefits that are comparable to supplemental plan D.

Who can enroll in this plan?

Any local teaching staff or Tennessee state employee can receive monthly retirement stipend from TCRS (Tennessee Consolidated Retirement System). They are eligible to avail Medicare Part A policies. Eligible dependents and legally married spouse can also apply. Those who qualify for the program and enroll with it within sixty days of his/her initial eligibility will not be denied coverage due to health or age reasons.

Overall, the Tennessee Medicare Supplement plans can prove to be a savior for those who want to be fully financially protected.

5 Facts About the Medicare Supplement Plan L You Need to Know!

If you have been looking at the Medicare Supplement L as a best choice for you, you might be wondering whether there is something that you might have missed! As there are nine other Medicare supplement plans to choose from, decision doesn´t always come easy. While everyone appreciates the possibility to be able to choose from different types of products, this also means that you need to put some thought into your decision. To make this process easier, we have gathered all the facts that you need to know on the Medicare supplement plan L!

1) The Medicare supplement plan L covers four benefits to a 100%:

  • Hospital coinsurance (part A)
  • Hospital stay days up to 365, after Medicare part A or part B no longer cover
  • Foreign travel
  • Coinsurance for preventive care

2) There are five benefits that are covered by the Medicare supplement plan L, but also include a co-sharing on your part. 75% will be covered by the Medicare supplement plan L, while the rest of the bill you will need to pay out of your own pocket: Get a quote here

  • Three first pints of blood
  • Coinsurance (part B)
  • Hospice coinsurance
  • Coinsurance for skilled nursing facility
  • Deductible (part A)

3) The benefits that the Medicare supplement plan L doesn´t cover at all, are:

  • Deductible (part B)
  • Part B excess charges

The part B deductible is an annual amount of $183. The excess charges vary from health care service to health care service and from one health care provider to the other. Medicare sets a certain price for each health care service and only cover up to this amount. Many health care providers agree to this price and won´t charge you anything above it. This way, you won´t need to pay any excess charges at all. If, however, you go to a health care provider that sets a price above it, you will need to pay the difference from what the Medicare supplement plan won´t cover. Avoiding these excess charges is easy, as all you need to make sure is that your health care provider charges only up to the Medicare limits. To find out, all you will need to do is call your health care provider and ask!

4) The Medicare supplement plan L has an out-of-pocket limit, which applies to the benefits they partially cover. Once you´ve paid $2310 out of your own pocket, the Medicare supplement plan L will start covering for 100% of the benefits that have been mentioned on the second fact!

5) The Medicare supplement plan L and all other available plans offer the same benefits from state to state. If you´re moving from New York to Colorado and you´re already enrolled to the Medicare supplement plan L, you will be able to enjoy the same benefits in your new location. This applies to 47 States of the U.S. There are three states that have their own, individual standardization and these are: Massachusetts, Wisconsin and Minnesota.

The Keto Diet For Seniors

The keto diet has become very well known around the world especially in today’s world because of how fast people tend to lose weight on it. People can even notice a weight lose in the first week which is of course just water weight at first but if you continue to stick with this diet for a few weeks you will actually start to shed actual pounds when you are on this diet. This diet can be good for anyone because the diet allows you to also eat very tasty foods still like cheese, meats and full fat foods. Basically a lot of fats and protein you can eat. Although your carb intake is still be restricted there are many ways to make the things that you enjoy to eat and the things that you crave without wrecking your diet.

Basically what happens when you are on keto is that your body will stop using carbs and glucose for fuel and energy and will start using the fat that is being eaten and the fat that is being stored in your body for fuel instead of carbs. Your body will soon get used to using fats in your body for fuel instead of carbs which is why you start to have such rapid weight lose on this diet. This diet is great if you are a senior and are overweight and you really need to drop a lot of weight quickly or that you want to drop a lot of weight quickly. Even though in the first few days you will probably have a lot of cravings for carbs and sugars these will soon start to go away. You also need to be adding a lot of salt to your food to make sure you are replacing the things that are leaving your body so quickly. Get a 2019 supplement quote and plan at

You are also not allowed to eat any fruits and sugars on this diet unless it as a very low amount. Sugars will make your carb intake for the day go up quiet a bit and and you need to be using the carbs that you are allowed to eat on veggies and things that will fill you up for the day instead of carbs that will not fill you up at all.

Invest In The Future Right Now By Investing For Your Retirement

Retirement may just be quite a distance off for you – or perhaps it might be closer than you think. Regardless of how near or far it really is, you’ve definitely got to start out saving for it right now. However, investing in retirement isn’t what it used to be with the rise in living costs and the lack of stability of social security. You should make investments for your retirement, instead of saving for it!

Let us begin by examining that retirement plan provided by the company you are employed in . Not so long ago, these types of insurance policies were quite sensible. However , following the Enron knock over and all that occurred, Americans aren’t as protected in their company pension plan any longer. If you occur to decide to never make an investment in company’s retirement program, you do have other available choices.

First, you are able to invest in stocks and options, bonds, money market accounts, certificates of deposit, and mutual funds. There is no need to show to any person that the payoffs on these opportunities are bound to be used for pension. Just merely allow your money develop overtime, and once certain capital reach their very own matureness, once again reinvest most of them and carry on and let your cash increase.

You may also open up a particular Retirement Account (IRA). This IRA’s are very well-known since the money is not taxed until you Take back that funds. You may even have the ability to deduct the amount of money contributed to IRA from the taxation that you just owe.

An IRA could be afforded at most banking institutions. A ROTH IRA is definitely a more recent type of retirement bank account. Using a Roth, you will pay out taxes on that amount of money that you will be investing in your bank account, however when you Take back it, no federal government taxation are supposed to be paid. Roth IRA’s may also be opened up at any financial institution.

An alternative is a well-known type of retirement profile known as the 401(k).401(k’s) are normally provided through employers, nevertheless, you could possibly open a 401(k) by yourself. It is best to consult accountant or financial planner to assist you with that.

Finally, the Keogh plan is yet another kind of IRA that may be worthy for self employed persons. Self-employed small businesses proprietors can also be planning to pursue is (SEP). Which is approximately another spin-off Keogh plan that individuals generally find more easygoing to administer than a standard Keogh policy.

Whatever retirement investment you pick out, just be sure you select one! Again, you should never be based upon company retirement programs ,social security, or perhaps an inheritance which may or may not break through! Pay attention to your financial outlook by investing in it in the present day.

Click here for information on a 2019 medicare advantage plan

How to buy the best Medicare Supplement Plans?

There is no doubt about the fact that additional medical costs are always a burden which is not covered in an Original Medicare plan. In such scenario Medicare Supplement Plans will be extremely helpful to fill up that gap. It helps in covering different expenditures like additional cost for purchasing blood, medicines, booking skilled nurses for care and many more.

Why it is required:

There are some of the common benefits that you are going to enjoy when you get such policy. Being federally standardized all the private companies which are providing such Medicare supplement plans are bound to provide you certain benefits. The insured is supposed to pay the monthly payment on Plan B and at the same time premiums.

When you think about the additional cost related to the medical expenditure most of the Medicare policies do not cover the same. So, if you want to bridge that gap this kind of plan is going to help you for sure. However, in case of any couple one policy will not be enough. The couple needs to take separate coverage from the insurance company.

Why it is important to compare:

Now, when you have decided to purchase Medicare Supplement Plans you should know that there are ten separate plan types. Every single plan has some of the common and at the same time unique benefits. Some of such plans being little complex to understand it will be extremely crucial to go through the details of the plan and also consult with the agents so that you can have the best understanding of the same.

So, by comparing the different plans you will be able to understand which will be the most applicable or profitable plan for you. At the same time, you will be able to purchase the plan in the most reasonable price. It will help you to know the plans more thoroughly. You can then use the plans more wisely.

Where to compare:

There are plenty of websites online in which you can find out detailed comparison of different Medicare Supplement Plans 2019. At the same time, you will be able to find out the different policies of the companies. You can compare the price and purchase the policy in the most reasonable price available in the market. However, while comparing you should only use the most trusted websites so that you can get the most reliable result.

One thing can be told for sure that Medicare Supplement Plans can surely help you in crisis situation. So, if you can purchase the most appropriate plan it will be extremely helpful for you to handle all the additional expenditure you need to bear in case of any hospitalization case.