Why health insurance is important for seniors?

Why 2019 health insurance is important for seniors?

Health insurance according to the experts is a kind of assurance provided to policy holders and is based upon the agreed terms with the policy giver. Such policies can prove to be a life savior if the insured person requires casual, regular medical treatments and emergencies. Medicare & Medicare Supplement plans are the best policies for people of age 65 and above.

Who is to pay for medical expenses incurred?

It is a common questions asked by majority of the people looking for information on Medicare and Medicare Supplement plans. Having proper and valid health insurance will mean, the person can enjoy having peace of mind and his /her will be taken proper care of. This contract or agreement is between the company offering health insurance and the policy holder. Its purpose is to offer adequate protection against medical expenses incurred for treatment.

Covering expenses and price rises

The truth is that doctor and hospital visits, prescription drugs and surgical treatment are increasing in price. The retired person not having any or much income is not in a position to bear this high cost. Hence, he/she looks for alternative options. The government after understanding the immediate and long term medical needs of the senior citizens of the county has come out with Medicare and Medicare Supplement plans. It is necessary for the individual to choose the best supplement plan along with Medicare to be fully health insured and not worry about any type of medical expenses.

The annual or monthly premium to be paid is likely to cost some money. Initially, it can seem to be an additional expense. But the time when the person uses it to visit the doctor, hospital or for availing minor or major treatment, it can be a real savior. Having both Medicare and Medicare Supplement plans, the person does not have to take out even a single penny to meet medical expenses.

About health insurance

The health insurance can be termed to be a kind of benefit which a government agency, private business or non-profit organization offers. To determine the cost involved, an estimate is derived by the company associated with collective medical expenses of the people residing in the state. Risk is then divided among all policy holders. The expense incurred on any person is spread across large group, so as to make the insurance affordable for everyone. The government has introduced Medicare and supplement plans for the benefit of the senior citizens of the country.

5 keys to help select the best Cigna Medicare Supplement plans

5 keys to help select the best Cigna 2019 Medicare Supplement plans

When it comes to selecting the best Medicare Supplement plans eligible, it is quite natural for people to have some common questions popping out of their mind. It is necessary to take into consideration some essential points when purchasing healthcare plans, so that it proves to be handy and useful during emergency times.

Key secrets to help select the best available Medicare Supplement plans

  • Determine the plan type: Since there are twelve types of supplement plans, it is necessary for the plan to first understand its detailed coverage and identify which one best suits his/her specific medical needs. Only then will it prove to be useful and cover the expenses left untouched by Medicare.
  • Adequate coverage amount: This is another factor to be considered and is very much crucial, especially for those who are chronically sick or need medical treatment every now and then along with frequent visits to the doctor and hospitals. Those who are in good health can buy a plan that allows them adequate medical coverage and provides them with mental peace and satisfaction.
  • Consider coverage or benefits provided: Each of the Medicare Supplement plans has been created to be different and cover some kinds of medical issues and related expenses. Not every person suffers from similar type of ailments. Hence, he/she needs to first identify the kind of ailments suffered from and accordingly choose a plan that best covers the associated medical expenses.
  • Pre-existing disease clause: It is quite nature for medical insurance providers to take adequate precaution when selling supplement and healthcare plans to people, especially those suffering from pre-existing diseases. But open enrollment period, which is on turning 65 years old, allows the person to choose Medicare Supplement plans without worrying about the pre-existing disease or ailment suffered. The law requires the providers to ignore the pre-existing disease during this period and offer choice of supplement plans, without asking any questions.
  • Claims process – Reimbursement or Cashless: This is an important aspect that cannot be ignored or avoided during the selection process of Supplement plans. Different providers may have different types of procedures, depending upon law of the region. Hence, it will be wise to consult the certified Medicare agent who can provide proper and detailed answers to related queries.

The other aspects that the person should take into account at the time of selecting the Medicare Supplement plans is list of in-network hospitals, discounts and benefits offered, etc.

Getting and Staying Healthy

My age at last made up for lost time with me and my post box swims with advertisements for Medicare programs. Perhaps it’s simply the season however I can’t turn on the TV without confronting an assault of advertisements from Medicare insurance projects and medication organizations. My next medical arrangement additionally crawls up on me and it will be a great opportunity to perceive what condition my condition is in. I will soon be approached to represent my endeavors at keeping my body healthy.

Medicare Supplement Plans 2019

Medications flourish for each possible condition and a few conditions past creative ability. I ought to get some information about each medication and advise her if I have any conditions from a considerable rundown including, surprisingly, passing. Advertisements tout every Medicare program as my most ideal decision. I choose to check the Medicare site and discover fifty-six different plans accessible to me. One in all likelihood will be sufficient. In any case, the other fifty-five compete for my consideration.


I don’t audit every one of the fifty-six plans and luckily limit conceivable choices important to a modest bunch. I discover that the most ideal approach to hold medical expenses down is to remain healthy. No huge amazement there. I know my foes: overweight, hypertension, cholesterol, triglycerides and too little exercise among others. These are the typical suspects. At that point arrive the various conditions run of the mill of my age, some typical, some more colorful, and the screening tests to keep them under control.


Recently my noon discussions have swung to nourishment, the field of solution, medications and health as a rule. Quick sustenances keep flying up on TV, mail promoting, daily papers and announcements. We see and hear how snappy, simple and wonderful every one is. The impacts on our bodies and health some way or another don’t make the promotions.


I ask why the sudden requirement for such an assortment of medications and supplements. We can’t be so different from our precursors who had little requirement for them. I unearth a book about the Mediterranean eating routine and acknowledge we have overlooked how to eat. Conventional Mediterranean people group set aside the opportunity to fuse their brilliant sustenance into their day by day schedules. A considerable lot of the lifestyle sicknesses and conditions which torment us are uncommon among them.  Medications and bills can be costly.  Maybe you qualify for Medicare Supplement Plans 2019.

Sugar, fat and salt have shanghaied our eating methodologies. Indeed, even the Mediterranean people group have begun steadily pushing toward our excited pace of life and apparently simple yet perilous eating and lifestyles. However their customary assortment, accentuation on leafy foods, healthy fats and a little wine offer to avert or limit the conditions we make for ourselves and afterward endeavor to cure with medications and supplements. I most definitely have begun investigating the Mediterranean choice.

Overusing the health insurance plan

When trying to review healthcare plans and cost, it is necessary to understand that Medicare and Medicare Advantage plans have not been designed to provide coverage for every penny spent on all types of medical costs. Rather, the purpose of medical insurance to provide the beneficiary from sudden inexpensive losses. Selecting the most appropriate advantage plan is of utmost necessary, since each and every plan tends to cover different types of ailments. Choosing the wrong type will only mean a particular ailment will not be covered for which the person has to pay from his own pocket. Moreover, the right type of plan selected can help the person to stop worrying about the financial responsibility that he/she has to face during medical emergencies.

Covering medical costs

Find a 2019 Medicare Advantage plans at www.medicareadvantageplans2019.org are considered to be an insurance product that can help pay for prescription drugs, doctor and/or hospital visits. People just need to pay a small amount as premium annually for availing Medicare and Medicare Advantage plans to get adequate coverage. The person should wisely use his healthcare plans to ensure that it is handy and eligible during crucial medical emergencies.

Few ideas to implement to save on healthcare usage

  • Find alternatives to save money on prescription drugs and medication. Skipping drugs might mean saving money, but will only lead the person to making frequent doctor visits, thus overusing the plan.
  • For every small and trivial issue that can be taken care of by self evaluation and treatment, one should not run to the doctor. There are some home remedies that are proven to be effective and easily available in the kitchen. This can help save thousands of dollars annually.
  • Just because a test is recommended by the doctor means that it needs to be done immediately. Taking the prescribed medicine for some time might provide relief and also make the person healthy again. In such cases, the test will only prove to be a waste and shorten the available approved health insurance amount.
  • Check out properly when scheduling any procedure. Several new facilities are emerging to reduce expenses from outpatient surgical facilities to outpatient testing. The hospital or doctor needs to be good and a bit affordable to save on precious insurance amount. There are doctors and hospitals that do provide top quality medical care at affordable rates. Visiting them will be a wise decision made.

Medicare Advantage plans 2019Overall, Medicare Advantage plans availed should be used wisely and only when necessary, so as to enjoy prolonged benefits.

New Medicare Card: What is to be known?

According to the industry experts, Medicare card comes with randomly assigned MBI (Medicare Beneficiary Identifier), which comprises of 11 numbers and letters. There are however, some differences present in the new card, which includes the following:

  • Uppercase numbers and letters
  • To avoid confusing of numbers with letters, Z, S, O, L, I and B is not used.
  • There is no embedded logic.
  • Positions 9, 8, 5 and 2 are likely to be letters always.
  • Every beneficiary to be assigned with a unique identifier.

The Medicare recipients are being sent the card through mail whose dispatch started from April 2018 and is expected to be completed by 2019. Each and every person applying for Medicare Supplement plans needs to have adequate knowledge of what is covered by traditional Medicare and accordingly select the most appropriate supplement plan to meet his specific medical requirements.

What is to be known by the Medicare recipients?

On availing Medicare and Medicare Supplement plans, the person needs to keep in mind the following aspects.  You can get a quote for a 2019 medicare advantage plan at www.medicareadvantage2019.org/

  • For getting the card, nothing is to be done as it will be mailed automatically to all recipients.
  • Ensure that Medicare is provided with correct current address, so as to derive timely delivery of the card.
  • The card in question might be kept in an envelope resembling junk mail.
  • On receipt of the card, it is necessary to destroy the old one and start using it immediately.
  • There is no need to worry if friends and relatives have got the new card and the person still is to get one. Mailing cards to all recipients will take adequate time.
  • Since the new card is made out of paper, it should be laminated to protect it.
  • The new card is to be taken during the next healthcare visit.
  • In case, the new card is not taken along, the healthcare provider may check out the Medicare identification online.

Those having Medicare Advantage plans should retain the plan’s card. It will be wise to have Medicare Supplement plans and Advantage cards together when visiting the doctor or hospital.

Beware of scams

When availing Medicare and buying Medicare Supplement plans, it is necessary to be wary of scams that are now becoming common with new cards. One should never give out his/her personal details over phone to anyone and take careful and well researched decisions.

How employees and businesses can derive advantages from supplemental insurance?

With rising healthcare expenses, employers are finding it easier to shift this burden on their employees. Few even have started to reduce employer paid benefits. According to existing healthcare law, employers are required to provide their employees with major medical coverage and certain essential benefits. However, the out of pocket expenses of the workers through these plans only are found to increase, while employers take measures to control their costs.

According to recent reports, employers are still trying to find out ways and means to cut on expenses further by pushing costs to their workers like increased copayments, premiums and deductibles. Offering voluntary or Medicare Supplement plans to employees, they can offer financial protection to take care of serious illnesses and accidents.

Why employees find Medicare Supplement plans beneficial?

  • Raises outpaced by rising healthcare costs: There have been recently witnessed increased employees copayments, share of premium and high deductible health plans. These big expenses do hit the employees’ wallets, however, salary increase is found inadequate. Deductibles only have risen 6 times faster when compared to workers’ earnings.
  • High out of pocket limits: For individuals, the average out of pocket expenses is approx. $7k, while for families, it is $14k. These are only for those essential covered health benefits. still 52% of the employees are found to have lesser than $1k to pay out of pocket expenses related to unexpected accident or serious illness, while 28% have lesser than $500.
  • Price over quality: This may mean lesser coverage on 2019 Medicare Supplement plans than what is desired. It is quite natural for people to get tempted to buy the low priced supplement plans. Monthly premium to be paid is indeed an important factor for many, when selecting Medicare Supplement plans. Low cost plan will mean short term savings. However, it will eventually lead to significant high out of pocket expenses. Employees do require adequate financial safety net. The benefits derived from supplemental insurance have proved to be a savior to protect employees when they are injured or sick, irrespective of major medical insurance coverage.

Few benefits do include dental, vision, short term disability, critical illness, accident, hospital indemnity, etc. Money received from such products can help the supplemental benefit recipients to pay their living expenses like mortgage payments, rent, groceries, medical bills, etc. With companies adding voluntary products to benefits package, they do raise employee satisfaction level. At the same time, employers do experience lower operational expenses, thus saving precious money.

Is there a need for a good medical billing Advocate: Know the 5 signs

Having trouble with the Medicare Supplement plans! Then the person may need the help of a good, talented and experienced medical billing advocate. There are five signs that the person needs to know that can help him avail the advocate services without any further delay.

  • Are there any denied claims which the insurance company has to reconsider? The person might not know how the claims are to be appealed.
  • Is the person chronically sick and simply overwhelmed about sorting through range of insurance paperwork and multitude of bills?
  • Is there any help required with regards to any of the Medicare Supplement plans and Part D coverage and proper advice from the experts?
  • Have there been incurred lots of medical expenses recently and the person is being denied coverage or claims for some reason or the other? Do not know to what to do and where to seek assistance?
  • The medical bills are suspected to contain inaccuracies and overcharges and the person does not know what is to be done?

Even if one of the above mentioned questions is answered a yes, then it will be an utmost necessity to consult the medical billing advocate. Free initial consultation can help to review the different facts related to the individual situation as well as determine if there is a genuine case to fight for or determine the type of recommendations or assistance to be sought. The fact is that trying to identify and learn the medical codes and jargon is not easy for the general population and neither anyone have the patience or time to do so. This is where a reputed medical consultant can help to avail the best 2019 Medicare Supplement plans and to overcome issues faced with it.

Some common questions posed by people about Medicare Supplement plans

  • How to know if the medical bills are accurate?
  • How to know if the insurance provider has paid everything that they are accountable for?
  • How to know what is being paid is what is actually promised by the insurance provider?

Getting expert help

The medical billing advocate’s job is to sort facts, review itemized hospital and doctor bills, medical records and insurance benefits statements. It is a comprehensive review which can help the beneficiary to get fair treatment especially in today’s highly confusing and complex healthcare system. The advocates also assure their clients of getting accurate and true bill as well as benefits that they really deserve. They also help to resolve billing related errors, negotiate bill reductions and eliminate overcharges.

Medicare Supplement Plans

As you become 65 years of age, you have the benefit of joining Medicare Part A and Medicare Part B for your health insurance needs. Medicare Part A is set up to take care of health care facility costs and Medicare Part B will take care of the cost of your physician services. Medicare Part A will have annual copayments or coinsurance and deductibles and Medicare Part B will have a monthly premium, copayments and a yearly deductible. These deductibles will have to be met before Medicare starts to pay their share.

When you have Medicare Part B, you will be able to get a Medicare supplement plan. You should understand that Medicare will only pay 80% of the medical expenses and the remaining 20% will be your sole responsibility. This can add up to a significant amount if you have a large medical problem. Available to all seniors is a Medicare supplement plan which will pay for the remaining 20% medical costs. This can really ease one’s mind to know that all medical costs are taken care of.

When you joins a 2019 Aetna Medicare supplement plan, any existing conditions you may have, will not be rejected, as long as you join within 6 months of turning 65. After that time period, there is a chance your medical condition could be rejected or the cost of premiums will be higher. These Medicare supplement plans are renewed each year. One also has the option to change plans any time one wants to.

There 10 Medicare supplement plan are designated by the letters A-N. These plans are regulated by the government and are all standardized. This means Plan A, as well as the others, are the same no matter where you go in the United States. Each plan has its own unique coverage and the premiums will increase when the coverage increases.

If one want to have prescription drug coverage, you may purchase Medicare Supplement Plan D, which will help with these costs. This plan will also have a monthly premium to add to one’s budget.

It is important to look carefully at all the Aetna Medicare supplement plans to see what each one offers. These will be acquired from private insurance companies. The plans are all the same, no matter who you chose to get them from, but the difference will be in the premiums they offer. This is where one needs to look carefully at each plan to see what will fulfill your medical needs.


Start Planning For the Healthcare Sector in Retirement

Start Planning For the Healthcare Sector in Retirement

Plan against the worst and hope for the best. A friend of mine always said that. That is how she led her life. I am a planner – I plan almost everything. But I do not plan for the worst and I always hope for the best. But when it comes to feeling good about our future in terms of health and retirement, this would be a time to plan for the worst and hope for the best.

Health care is and remains one of the largest retirement expenditures. However, many people approaching retirement age do not understand the risks these costs represent for their financial plan – and are not prepared to.

According to the 4th Annual Nationwide Retirement Institute survey, America’s workers are “scared” of health care costs after retirement, but few do not care about their worries.

Here are just a few statistics and things to think about:

Remember that in the past when everyone worked at the same department stores, companies or manufacturing firms for over 35 years. At that time you were promised a pension and you were allowed to keep your health plan even after leaving the service – also for the whole family! In 1997 this was 1 in 4 and in 2011 this figure was only 10%.

Today, 26% of the American population does not know what will be the cost of annual healthcare for retirees when they leave employment. The burning question is: Do you have a budget or are you planning enough for these health issues?

If you have not thought about it yet, and you plan to do so, you need to know what portion of your income or savings you need for Medigap or Medicare Supplemental Premiums, premium for Medicare Part B, premiums for Medicare Part D ) and expenses for medications out-of-pocket.

Just released is the new Part B deductible that all Medicare subscribers have to make do. It went from $ 166 to $ 183.

To help you with the planning:

Have a very good idea of ​​what income you will have in the 65+ years of your life. Typically, these are pensions, IRAs or other retirement accounts and social security.

Write a budget. Know what your living expenses are. Do you have a car or home payment? What will food cost, special events / occasions like birthdays, utilities. Be conservative here and be aware of inflation.

Get a very good picture of what your healthcare expenses look like. This should start with a conversation with your financial advisor.

If you are in your 40s, 50s, or even 60 years, you should discuss how to plan your retirement costs. If you have a counselor, I suggest you make this appointment.

One of the most important decisions a Medicare participant will make is the choice of a Medicare health plan. Brokers can help you get the best plan for your needs, lifestyle and budget.

Similarly, for those for who Medicare alone is not enough, there are many Medicare supplement plans. You need to make out some time to look around and you will find the perfect one for your situation.



Let’s get smarter: enroll yourself in Medicare Supplement Plans

In this fast moving world, people tend to run behind materialistic glory only and thereby forget to care about one’s health. These plans bring forth ways to take care of one’s health in their near future without bearing wrinkles on one’s forehead.

Let’s get acquainted with the term: Medicare Supplement Plans-  go to https://www.bestmedicaresupplementplans2019.com/

These plans have been initiated by private companies and private firms. These plans are approved by Medicare as well. The plans are also called MA plans and sometimes called as “Part C”. The Medicare approve these plans since they pay the private companies and the private firms to cover all the Medicare benefits.

The extensive coverage of these plans are as follows:

  • These plans cover all the services and provide the same according to the original Medicare. However, these plans do not provide for the hospice care.
  • In these plans, always the emergency and the urgent care packages are provided.
  • At times, these plans even help their clients with some more benefits like vision care, eyeglasses, dental care and more over wellness programs.
  • These Medicare plans at times even provide for emergency nursing facilities but definitely not in any place as recommended by the clients.

Are these Medicare plans very expensive?

If you have no idea about the gross expenses related to these Medicare plans, then the following discussion given below will definitely provide you the required information. The clients need to pay the premiums for Part B of the plans. In addition to these premiums, the clients even need to pay a monthly premiums and costs for all the services provided by these plans. The clients should to alert as well as aware of the fact that, with places, the premiums and the costs also vary. Before enrolling oneself in a definite plan, he or she must make a comparative study about the premiums and the costs related to all the services demarcated in the plans.

People should understand that Medicare plans might a bit expensive in the initial days but in the long term, they will no doubt give a sigh of relief. If compared to the Medigap policies, these plans are not renewable and can be cancelled. The respective plans should also be aware of the fact that, every year, the plans get amended according to some rules and regulations. Therefore, the clients should make a thorough research before applying for these plans.