Medigap for Seniors

Otherwise called Medigap, the Medicare Supplemental Insurance is a cover that rounds the gaps forgot by the original Medicare. It deals with a few viewpoints, for example, the Health mind costs that are not provided food for by the Medicare including the co-payments, co-insurance and in addition the deductibles. This implies American Seniors, when they utilize this plan, will get around 100% of scope. It ought not be mistaken for the Medicare Advantage plan, as it isn’t utilized to pick up the advantages from Medicare, however utilized for getting the advantages that are not given by Medicare Original Plan.

It is suggested that seniors ought to select in this plan when they achieve the retirement age. The seniors should know three things about this plan before they select. First off, the Medicare supplemental Insurance plan was modified and has various options from which the seniors can choose. The Plan L and Plan K that will cover 75% and half of the Hospice Section A co-insurance separately, as a fundamental advantage. The Plan K, L and N will require the seniors to pay a segment of the co insurance and co-payments of Part B, implying that they will have bring down premiums.

Alternate changes in the plan incorporate the presentation of new plans, for example, Plan M and Plan N and the abolishment of Plans E, H, I and J. The individuals who as of now have the abrogated plans have a decision of keeping them or choosing from other accessible plans. The other change is found in Plans D and G, which accompany different advantages as from June 1 2010, not at all like the advantages collected before this date. The individuals who have these plans preceding June 1, 2010 can keep their plans however the advantages won’t change.

The other thing to note is that the Medigap policies must take after both the Federal and State laws designed to secure the American seniors. The organizations should just offer them a standardized Medigap plan such as a United Healthcare Medicare supplement that contains the Letter A through N. Every one of these plans should bear similar advantages, however they have different costs according to the policy of each organization. A portion of the states have open enrolment seasons where the seniors can enlist for these plans. It is important that they realize that the organizations can’t refuse to offer them any sort of policies they have, or charge them an additional sum on account of their medical issues. The organizations ought not likewise influence them to wait for the beginning of their scope, however there are a couple of exemptions for this situation. The special case includes a prior condition the customer has before the date of the new policy.

For those whose present scope closes when they turn 65, they should attempt to send their therapeutic policy application before the enlistment time frame, as it will furnish them with ceaseless scope.

Medigap Plans

Medicare supplemental insurance plans are called Medigap and help pay the amount of medical expenses that Medicare does not pay including, the co-payments, co-insurance and also the deductible. This means seniors living in the United States, will have the possibility of 100% of their medical expenses taken care of. This is not the case with Medicare Advantage plans, but as they have their own advantages related to Medicare Part A and Medicare Part B.

When one reaches retirement age they will join Medicare Part A and Medicare Part B and will be able to get Medicare supplemental insurance plans which are lettered from A-L. There are various options one may choose for their medical concerns. The Plan L and Plan K will cover 75% and half of Hospice Section A co-insurance which may be of importance to an applicant of these plans. The Plans K, L, and N will have a senior citizen pay a part of the co-insurance and co-payments of Medicare Part B that may lessen the premium amount.

Different changes in these plans have brought about new plans, such as Plan M and Plan N and have eliminated Plans E, H, and I. Those individuals who already have these plans will have the opportunity to decide to keep them or to choose another. Other changes may be found with Plans D and C, which have different coverages prior to June 2010 than they do now. Those persons who have these plans before June 1, 2010 can continue to have these plans as they will have no changes.

One needs to remember that all these AARP Medicare Supplement must follow the rules and regulations set up by the Federal and State governments. The individual Medigap insurance companies must offer all the Medigap supplemental plans and they will be consistent with what is offered among the Plans A-N. Each of these plans will be similar, but the cost of their premiums can vary greatly between each of the insurance companies. Some states have open enrollment times, where an individual may connect with these plans and find what suits their medical needs. No one should be coerced in purchasing a particular Medigap plan and have to pay any additional premium. However, one needs to acquire a Medigap policy within the six months of getting Medicare Part B. Their prior medical conditions will be covered, but if one waits beyond the six month time frame, this may not be the case. Also one must consider not delaying because the amount one will have to pay for their premiums will increase beyond the age of 65.

Spousal IRA as a Retirement Savings option

Many individuals face the problem of having a low or no income at all. This problem can create significant obstacles towards the much desired financial stability in the retirement period. One interesting concept that can help in these situations is the idea of opening a Spousal IRA account. This type of account has a unique role which allows an individual with low income to receive IRA benefits through a spouse. Many people are not aware about the benefits of this account. That is why, this article will analyze the concept of Spousal IRA.  This model can increase the retirement savings of the couple through tax-deductible contributions.

This savings account is based on a simple concept. To be more specific, a married user who is eligible to set up an IRA can also set an IRA up for a spouse. The first prerequisite is that the individual and the spouse are filing a joint tax return.  However, there are limits to how much a married couple filing jointly can save each year through tax-deductible contributions.  On that note, it is important to emphasize that there are certain limits about the joint savings during the year. It is imperative that the partners stay below the designated annual threshold in order to receive specific tax benefits on the account.  Usually the limit of the spousal account is the same as the primary IRA account of the individual. In the same, it must be noted that specific limits for spousal IRA contributions apply and may affect the total amount the couple can contribute to their combined IRA accounts.  Discover how you can save money with medicare supplement plans here

Although, it may sound a very strict and limited concept, that is not the case. On the contrary,  the spousal IRA offers a broad spectrum of benefits. The most notable advantage is based on the purpose of the account. The primary aspect of a spousal IRA is to increase the tax-deductible retirement contributions a person can make if that person is responsible for another individual after the retirement.  An illustrative example is when an unemployed spouse cannot make savings for his or her retirement without additional assistance. Through the Spousal IRA, the other partner contributes funds for the spouse thus funding for two individuals rather than one, which increases the contribution fees. However, it allows both individuals to retire based on those savings

The current model of Spousal IRA is dating back from 2009. According to that, the spousal IRA contribution limit is set as the lesser of $5,000 annually for those individuals under 50. For the users above 50 years old, the contribution is set to $6,000. Many couples in the United States face this ultimate challenge. The recent trends of being a home-stay or unemployed parent may complicate the financial stability in the retirement period. That is why, opening a spousal IRA is a unique model for any couple in which one party does not earn enough funds to have an independent IRA.

A few mistakes that you can’t afford to make while buying the Medicare Advantage Plans

If you have to get the most extensive scopes and extent of coverages from your Medicare Advantage Plans, it is important that you pick the right plan. However, often people make the mistake of picking the inappropriate plans from an unreliable provider and ends up, making the worst experiences. Here are the mistakes that  you cannot afford to make while buying these plans.

Picking the plans that never complements and suit your probable medical needs

The biggest mistake that you can make is selecting a plan that never suit and support your probable medical needs. If you are picking such plans, it is needless to say that you will not get the  adequate support from the policy when you need it the most. For example, assume you are having existing troubles with the dental or vision health. In such instances, you should only pick those plans that cover these aspects. Else, there is hardly any difference between having and not having the plan.

You opt for a plan, tempted by its low or zero premium feature

 There is no doubt that the premium payable on health insurance policies is rising at a massive pace. Hence, people look for those policies that comes within lower fees.  While looking for the  2018 Medicare Advantage Plans, you might explore such options that charges you a premium at significantly lower rates or even at zero premium. This might apparently seem to be a lucrative proposal, especially from the financial sides, however, such plans may not offer the right extent and scope of coverage. Therefore, having these policies hardly makes any sense, even if there are the enticing calls on the financial sides. Rather than opting for such plans, it makes sense to pay a fair extent of a premium for those plans that actually offers some significant protection.

Picking a plan from a provider that don’t cater to your area

Another blunder that you are likely to commit is that you pick a plan that is not covering the area of your residence. In such instances, even after paying for the policy, you will not get the benefits that you deserve as a policyholder.

Likewise, people often end up buying those plans that don’t come with a satisfactory star rating. It implies they are investing money in plans that have not performed well in the recent past, and thus, it is hard to expect that these plans will come efficient to support your probable needs.

Why Getting A Pet As A Elderly is A Good Idea

Most people have a pet, and for good reason. They are great friends and as a lot of people say mans best friend, because they never get upset with you and if they do they forgive you in about a minute. Well specifically dogs, but cats can also be this way too. Even though some cats are more independent they can still become loving and as sweet as a dog is. Humans love animals so much because of their sweet loving nature towards us and because they depend on us for this. This can be a great thing for a elderly to consider since a lot of old people seem to struggle with feeling alone or with depression or any other mental illness.

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What animal to get depends on what type of person you are and what age and since we are talking about old people that’s what animals I will say is best for them. If you are someone that can deal with a dog everyday and being able to take them on walks and play with them often then a dog is a great option as a pet since they are so loving and act childlike. They are sweet animals and can make you get out of the house more since they require a lot of exercise.Now if you are someonMedicare Supplement Plans 2020e that has trouble being active or are someone that can’t really be able to handle taking care of an animal as much anymore than a cat is a better option for you. They are very on their own type of personality and all they really require is for you to feed them and for you to clean their litter box. A cat is a way better option for a senior person since they aren’t that much work and don’t require the old person to do much. They are also very sweet and nice animals so they would be perfect for someone older in age.


Whatever animal you get doesn’t matter, they can help you deal with feelings of being alone if that is something you struggle with as a senior citizen. PIck whatever animal you want and you won’t feel as alone as you usually probably do I promise. You will start to feel better before you know it. Whether it is even a fish or a bird, whatever you want is fine.

Dealing with Feeling Lonely As A Senior

Everybody tends to feel alone at some point in their life, whether it’s repeated periods of feeling alone or whether it’s only dealing with feeling alone every once and awhile everybody knows that it’s not exactly the greatest feeling in the world. But everyone ends up being able to overcome it , and when you’re younger it can feel easier to deal with since we tend to be in more social places than if we were to be older. It can be hard to deal with when you get older, especially since you’re probably alone most of the time and the only person you’re only really around is your spouse. So it can be a hard time but there are ways of dealing with it and feeling a little better and hopefully feel all the way better with some time.

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One thing that you can do to not feel so alone as a senior is to try to get out more. Whether that’s taking a yoga class or any exercise class in general, a gardening club, hiking, an art class or whatever hobby it is that you have any of these options are a good choice just to get out more. It can make it easier to get to meet new people and you may actually get to make more friends this way with the people that you meet. Plus the people that you meet getting to do the things that you love is great, since you both have the same hobbies hanging out and doing things together can be really fun. For example if you like to go to yoga classes and just do yoga in your freetime in general, meeting someone in one of your yoga classes or someone that just likes to do yoga in general can make it easy to do that activity together since you both enjoy it so much. Meeting people that have things in common with you make it easy to have a long term relationship with that person

Wherever you meet your new friends doesn’t matter just make sure the people you bring into your life are people that you have things in common with and people that you enjoy being with. It can be hard to be alone, but there are for sure ways to deal with it and even though you may feel like nobody cares they really do. Just get out there and meet people that you enjoy to be around and like the same things as you.


Before getting Medicare Supplement Plans 2019, some things should be known. Supplement plans, also known as Medigap plans, are standardized insurance policies that fill in the gaps of Medicare Parts A and B. Medicare Advantage Plans are often mistaken for Medicare supplements. They are not. Part A of Medicare is for hospitals and Part B is for doctors and other medical services. Under Part A, the government pays for 60 days of a hospital stay. Medicare Part B has a small deductible and then picks up 80% of approved medical services. Supplement are available in several designs with most paying for the Part A deductible and the 20% gap in Part B.

Medicare Advantage plans for 2019 do not fill in the gaps of Parts A and B and can be quoted at, they replace Medicare with a private insurance plan. Usually offered as HMO or PPO coverage, the plans commonly have networks of doctors and hospitals that have signed on to provide services in return for co-payments from the members and the insurance company. The HMO style plans require you to use only network providers except in the case of a true medical emergency. PPO plans allow for reduced benefits outside the network.

Medicare supplements are normally more expensive than Advantage Plans. Most fill in the gaps completely, leaving you with very little in out-of-pocket costs. Advantage plans, on the other hand, have lower monthly premium costs but will usually have you pay more when you get medical services. When you have a Medicare Advantage plan, you are technically covered under medicare Part C, and your Part A and B coverage are deactivated. You would not be able to use your Medicare card for medical services.

Even though your Medicare A and B are not active, you continue to have the premium for Part B deducted from your social security check. The government is using that payment as part of the funding mechanism for your Advantage plan. In fact, the private insurance plan gets even more money from the government for taking over the full financial risk for providing you with health

care. Advantage Plans usually will have prescription coverage as part of the package at no additional premium cost. Supplements don’t. If you have a Medigap policy, you’ll have to buy a separate Part D Prescription Drug Plan if you want coverage for medications from a pharmacy. This in a way sorts many assumptions.


Searching for the Best Medicare Advantage Plan That Fits You

Medicare Advantage plan has been a beneficial choice to help you in handling your medical expenses while you reach the age of 65. Some of these plans cater to the different needs of diverse individuals. However, there are a few of these plans that do not have extra benefits. Thus, if you wish to look for a proper advantage program that caters to your specific needs, then you might need to perform some research. You have to compare different advantage plans to help you get the program that fits your needs perfectly.


How to be Eligible for the Medicare Advantage Plan?

To obtain this advantage plan, you need to be 65 years or older. Then, you need to enroll in the Medicare Part A and Part B. After meeting those two conditions, you will be eligible to obtain Medicare Advantage Plan.


In this advantage program, you can still avail of it regardless of whether or not you have pre-existing conditions. In that case, you do not need to undergo a physical examination to be eligible for this program.


Programs with $0 Premiums

Some Medicare Advantage programs that offer health coverage but with no extra cost besides the one you paid for the Medicare plan. However, other advantage plans do require you to pay monthly premiums. Thus, if you wish to obtain a plan with zero premiums, make sure to carry out extensive research. In that way, you can truly save a lot of money.


What coverage is provided for different preventive cares?

Medicare Advantage plans can be quoted at and are provided to give you health benefits that are not covered by the Original Medicare Part A and B. These benefits would include dental vision, hearing, and other preventive services. You can also find a plan that includes coverage for emergency services that you need to undergo when you travel. Some fitness programs are also offered.

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Hospital Stays and Doctor Visits

Advantage plans can also offer co-pays for various doctors and specialists visits, as well as emergency hospital stays. In some instances, you can visit a doctor with asking for a referral from your primary care physician. It is vital to make a good choice when it comes to Medicare Advantage plan. You can not find a better health insurance program than the Advantage plan anywhere else.


The problem is, should a medical issue arises, you may be locked into the smaller network of physicians/facilities until Medicare’s Annual Open Enrollment. If you’re having trouble paying for prescription drug co-pays and your income/assets are low enough, you may be eligible for Extra Help through social security. A good insurance agent will bring this up. By obtaining help with your medication, you can choose the best Plan based on other options (the size of their network, authorization rules, physician/facility convenience, additional optional benefits, etc.)

Choosing a Plan can be completed at you want a PPO Plan and not an HMO is also a mistake and the solution is for many people are under the misconception that with a PPO Plan, they can go to any doctor/facility they choose. In actuality, PPO Plans still have a network of doctors/facilities you must stay in to obtain the lower costs. The biggest difference between a PPO and HMO is with a PPO, you will not have to obtain a ‘referral’ to see a specialist. With an HMO, you must obtain a referral. To be able to choose ANY physician/facility in the country that accepts Medicare, you should consider a Medicare Supplement Plan.

Medicare Supplement Plans 2019 will still see mistakes and solutions when it comes to choosing Medicare Advantage Health Plans. There are additional varieties of Plans, and may be additional challenges. What happened to my client, you ask? Since I keep in constant contact with my clients, in June I was overjoyed to hear him exclaim the great news. With the same test that was denied by his previous Medicare Advantage Plan, two physicians from a major Los Angeles medical group pinpointed the problem. He was slowly leaking spinal fluid and was dangerously close to having none remaining. With a quick out-patient procedure, they basically laser-glued the leaking area, replaced his spinal fluid and he is healthier, happier and better than ever! Since he is now well, we’ll be reviewing his coverage during Medicare’s Annual Open Enrollment.

As an insurance agent for many years, I have stories like this and many more. With compassion, our profession helps to navigate the best options, explain the pros/cons based on our clients’ individual needs and offer peace of mind. Plans change every year and your health/financial status may change also, therefore it is a good habit to make a comparison each year. In closing, choose a good, local, independent insurance agent, be educated.




As initially illustrated, Medicare Supplement Plans 2019 is going to be a totally different ball game. In the past, going directly to the insurance carrier was a given. If something goes sideways, it will come in handy to have an advocate on your side especially one you can see and lives/works in your community. Choose an independent insurance agent that represents more than one insurance carrier.

Why? Because independent agents will know the pros and cons of all the Plans and be able to relay this info so you can make a learned choice. They receive compensation from the insurance carriers but do not have allegiance towards any particular company. Also be on the lookout for carriers that force their ‘independent agents’ to sign an exclusive agreement. I have seen this happen with ‘Dual Eligible Plans’ (Medicaid/Medicare Plans). Again, how can the agent be ‘non-partial’ if they are contractually obligated to only market one Plan? Choose a ‘Certified’ Medicare insurance agent that is able to market Part C, Part D and MediGap Plans. They have additional training and oversight.

Medicare supplement Plans for 2019

When you go to directly to the carrier, you are eliminating a valuable person who will troubleshoot problems if any should arise, while providing you additional peace of mind throughout the process. Choosing a Medicare Supplement Plan in 2019 can be done at requires you to obtain the insurance company’s approval before having a procedure or test stays true. When comparing Plans, one can turn to the ‘Summary of Benefits’. All carriers must publish these and they must be alike and easy to compare. Not paying attention to the ‘maximum out of pocket’ limit.

All Medicare Advantage Plans have this limit and many agents glaze over it while helping you choose your Plan. However, should a catastrophic medical issue arise (cancer, organ transplant, long stay in a skilled nursing facility, etc.), there is a good chance you will hit your MOOP so you want to make sure it’s the lowest possible. The reason: chemotherapy and anti-rejection drugs are considered Part ‘B’ out-patient drugs, not Part ‘D’ prescription drugs and many Plans only pay 80% of Part B drugs.

Therefore, you would be on the hook for 20% and they are very expensive. Choosing a Plan just because the drug co-pays are slightly lower also occurs. Many smaller insurance companies will lure you to their Plan with very low co-pays on their drug formulary but have a smaller network of doctors/facilities in which to choose.