Do we all need short term health insurance? Sign up and visit We have so many monthly expenses, do so we need to add a monthly payment for health insurance. Yes we do. We never know when an illness or disease may happen to us or our family members. It is something the family must consider when planning their future. It is devastating when a health crisis happens to one of your family and you don’t have the means to pay for all the medical expenses that may come about. Hospital and physician costs are escalating every day and it doesn’t look to be changing any time soon.

Taking care of yourself, as well as your family, by providing nutritional food, exercise and good sleep habits, will help the family have optimal healthy lives. Nutrition can be introduced to the children at an early age and put them on the right path to take care of their bodies. Doing all these things to have a happy, healthy family may not be enough. Illness and disease may sneak up on you when you least expect it. Having health insurance, either from your employer or purchasing it on your own, is important to have. We are constantly being attacked by pollution, viruses and many other things that can affect our health. Being prepared, before this happens, is essential to our well-being.

When purchasing health insurance, it may seem a daunting pursuit. There are so many different health insurance policies to check out and determine what will cover our medical needs. When someone has a pre-existing medical condition, one must find a policy that will also include this condition. Adding a medical insurance to our monthly budget may be a struggle, but thousands of dollars of medical bills can be catastrophic and may take years to pay off.

It is important for our peace of mind and daily life to reduce any stress from our lives. Those medical bills can put so much stress on the head of a family, which can affect his health. This may be detrimental to the entire family from the worry of having to pay those amounts. Finding a good financial advisor, who is knowledgeable in health insurance, will help to ease the stress. Getting a policy that will meet all the needs of the family and have a reasonable cost of the monthly expense, will be beneficial to all concerned. Do this now to protect your family.

What You Need To Know About Applying For Medicare When You Are 65

Most people believe that enrolling in Medicare when you are 65 is simple and straightforward. However, depending on the circumstances, this may not be the case. For example, if someone continues to work when they turn 65 or if they have health insurance under their spouse, that can complicate things. Below are some things to keep in mind if you are almost 65 and wondering about signing up for Medicare and also don’t forget that you can visit to get more information.

  1. If you are already receiving Social Security retirement benefits, a Medicare card will be automatically sent to you three months before your 65th birthday. You will be enrolled in Medicare Part A and Medicare Part B. Part B will now follow the instructions we sent you and send the card back to Social Security.
  2. If you are still working, you will not automatically enroll in Medicare when you are 65. If you want Medicare, you should contact your Social Security Administration to apply.
  3. You have 7 months to register for Medicare, beginning 3 months prior to your birthday month and 3 months after your birth day.
  4. If you are still working and your employer employs more than 20 people, Medicare B may not be required immediately. Get in touch with your human resources. representative for more information.
  5. If you stop working and have a retirement plan through your employer, you must enroll in Medicare Part B.
  6. Medicare A and Medicare B do not cover all services 100%. Generally, you will need a Medicare supplement plan or a Medicare Advantage plan to help cover some of the costs not covered by Medicare. Medicare supplement plans and Advantage plans are private insurance plans.
  7. Medicare Advantage plans are also known as Medicare Part C. You are eligible to choose and apply for a Medicare Advantage plan at the time you are eligible for Medicare. You can join the seven-month period that starts 3 months prior to your birth month and three months after your birthday month.
  8. You are also eligible to enroll in a Medicare supplement plan at the time you are eligible for Medicare. You have a six-month period to enroll in a supplemental plan, starting the month you are 65 and/or when you are eligible for Medicare Part B.
  9. You should not have a Medicare supplement plan and a Medicare Advantage plan at the same time. You will have to choose one or the other.
  10. Medicare Part D is the prescription drug plan. You will not automatically be enrolled in the Medicare Part D plan. You must enroll in a Medicare Advantage plan (which includes drug coverage) or an independent plan that offers only Part D of Medicare.

Take those exercises that you like and meditate afterwards

Sometimes due to their age, seniors may not find all the types of exercises amusing or interesting. For example, for some of the seniors yoga might not be a good exercise for them. At the age of 65, you can still go out and do some speed works and jogging. If you like swinging then the best exercise for you will be golfing for fun. The choice of your exercise depends on your health and whether you love such an exercise or not. Some exercise are too tiring while some are not. It is understandable that some of the seniors might not be in a position to make participate in a tiring exercise.

Reasons why exercises that you like are the best

Whenever you do things you love, you will certainly be in a position to follow up on such an exercise. It is important for seniors to get make sure that they do a certain exercise that they are passionate about. Doing exercise which you are passionate at will also help you be fit at all time. Being physically fit is very important because it means that your cells will be active and your body tissues will always be active and growing. Whenever you don’t exercise, you may experience improper development of muscles and this will lead you into an old age look.

Seniors need to meditated when exercising

Meditation means listening to yourself and looking into things within your inner self. When exercising you need to look into your inner self and see whether your life is worth it. It is very important to meditate so that you can concentrate on what you are doing. Concentration is very important because it will make you feel like you are doing something that will make your life better. It is very important therefore to consider sitting down after you have exercised. Secondly, exercising helps you to relax your body. This is basically because of the fact relaxation brings about a certain feeling of satisfaction. Did you know that satisfaction is health? Whenever you are satisfied, you feel like your body is light and younger than ever before. That is one of the good reasons why you need to exercise and meditate as a way of relaxing after an exercise. On the other hand, seniors should never enslave themselves with exercise that they do not like.

Medicare Supplement plans are plans that are designed to fill in the “gaps” in “original” Medicare. “Original” Medicare includes Medicare Part A (hospital inpatient) and Part B (outpatient/specialist). These plans are the same for all organizations – they are required to give the same institutionalized advantages. This makes it clearer what the plans are and how they function. Here are the top three things that you should know when taking a look at Medicare Supplement plans:  For a quote on Cigna and other Medicare Supplements visit


Cigna medicare supplement

  • Medicare Supplement plans (also called Medigap) are Federally-standardized. The plans all give equal coverage for “like” plans. This means a Plan F with one organization is exactly the same Plan F with another organization. Along these lines, it is critical to analyze the plans based on month to month premium and friends rating or notoriety. Cost being equivalent, it is desirable over be with an organization that has a long reputation of association in the senior protection commercial center as well as a high monetary quality rating.


  • Medigap plans can be utilized at any specialist or hospital, across the country, paying little mind to which organization offers you the plan. Numerous kinds of insurances are network-based; be that as it may, this does not have any significant bearing to Medicare Supplement plans. Indeed, even a few sorts of Medicare plans – Medicare Advantage plans – are network-based mostly. Despite what might be expected, Medigap plans give you the adaptability of utilizing the plan anyplace in the nation that accepts Medicare. This adaptability, especially for somebody that movements, is one of the numerous reasons that these plans have turned out to be progressively well known as an approach to supplement Medicare coverage.


  • Medigap plans all compensation claims through the Medicare “hybrid” framework. There is no variety in how rapidly or how proficiently one organization pays claims versus another. While a few organizations may utilize the offering purpose of their opportuneness in paying claims, this isn’t inside and out precise with regards to this sort of protection. Since the plans are Federally-standardized and pay claims this “hybrid” system, you can be guaranteed that, paying little attention to the organization, the claims will be paid in a timely way and with minimal (normally no) inclusion from the safeguarded. When you have a plan, you simply need to exhibit your plan distinguishing proof card with your red, white and blue Medicare card while getting administrations from a specialist or hospital.

All in all, Medicare Supplement plans keep on being a reasonable alternative for those on Medicare, who wish to restrain their limit their out of pocket costs. With just Medicare, you are subjected to paying around 20% of every therapeutic cost. With a Medigap plan, be that as it may, you can significantly reduce or, with a few plans, totally eliminate your out of pocket costs.

The difference between Medicare Advantage policies and Medicare supplement policies

If you are 65 and no longer insured by a health policy, you will be entitled to Medicare. Now, Medicare has never been designed to insure 100% of all health care costs and generally only insures 70% -80% of all medical expenses. The rest 20% ​​to 30% is your responsibility and most people choose a Medigap coverage policy. There are two types of Medigap policies: Medicare supplemental policies, existing since 1965, and state health care policies, known as Medicare Part C, which have existed since 2006. Supplemental insurances have similarities with conventional health insurance plans with deductibles and service costs. Medicare Advantage policies are network policies that offer insurance based on hospital and medical rate agreements. These policies include preferred providers, health organizations, and private service policy rates.

The first difference between the two policies is that Medicare Advantage policies are designed to provide parts A and B. of Medicare. A Medicare policy pays premiums to insurance companies to meet all your health needs. This means that you do not connect directly with Medicare, but only with the network provider.  Now, all Advantage policies must offer at least the same amount of regular Medicare. There is therefore no difference between the amount of insurance, but the way in which the costs and expenses are checked.

Advantage policies offer lower monthly premiums, but higher spending costs. In other words, if you do not get sick or do not need to see a doctor, you rush. Expenses are also limited for each year. Additional policies have higher premiums but little or no expense. Advantage policies typically have a prescription drug policy and can save money by using a large group to get better prices. Supplements do not include prescription drugs, so you will usually receive a separate policy that can be tailored to your prescription needs.

Advantage policies use local networks to control costs and benefits may vary from year to year, but no less than part A and B insures. The additional policies are standardized, which means that Medicare defines what each supplement should contain in its insurance and is accepted anywhere in the United States where Medicare is accepted. The last major variation is that when you sign up for an Advantage policy, you have to remain with this program for a whole year. If you choose to change supplier, you can do it only from October 15th to December 7th the following year. At any time of the year, you can always change a supplement policy.

Medigap Policy F insures 100% of the deficiencies of the Medicare Part A and B policy. This means that it insures most of the Medigap insurance plans. This makes Policy F one of the most popular diets for people with Medicare.  Before signing an additional insurance contract, you need to understand the advantages and limitations of these policies. For example, each supplement policy has its limitations, the applicant may be asked to wait a certain period of time before insurance begins, or may have a limit on the amount that can be repaid and for how long it can last.

Humana sells the Medicare advantage throughout the US. In addition, Humana offers options to meet all needs and preferences when medical help is needed along with budgets of all beneficiaries. If you are new to this program or are about to change Medicare coverage, you can take a look at Humana Medicare Advantage plan.

As part of medicare advantage plan (Part C), Humana as a private company, has a contract with Medicare, offering the same or similar advantages offered by the Original one. The only exception is absence of hospice care, which is provided by Part A.


medicare advantage plan

Humana offers Part D prescription drug coverage

Similar to other Advantage plans, Humana also offers Part D prescription drug coverage as well as many other additional benefits that cannot be found in plans A and B. These benefits include things like routing dental coverage and complete coverage of membership in exercise programs.

Most popular plans

If you are wondering which plans Humana has to offer, check some of the below. Be aware of a fact that maybe some of them will not be available in your current location.

HMO: A Health Maintenance Organization (HMO) usually requires receiving health care from plan’s network providers. At Humana website, it is possible to find network of doctors and health providers too, all within you area of plan’s service. It is allowed to use one of the network medical providers to get service you need, with the exception of urgent health care. Select your doctor for a primary care might require finding a referral from the doctor in order to visit a specialist.

PPO: A Preferred Provider Organization (PPO) is another type of plan. You must decide on getting the best coverage by visiting the network provider. It is possible to be covered by Medicare services even if you choose a provider that is outside the network, but be aware you will pay much more for non-network services. It is worth to mention that choosing your primary care doctor is not necessary in this case, and it is allowed to arrange your appointments with specialists without referral’s engagement.

PFFS: It is a short name for Private-Fee-for-Service. These plans offered by Humana, regulate their own structures of payment. This plan allows you to pick any of available medical providers, but they must agree with all terms and conditions set by the plan.

An AARP medicare advantage is one of the Medicare plans introduced to improve health care services needed by citizens who attain the age of 65 who have worked and paid into a system via payroll tax. The original Medicare was started in the year 1966. Its first recipients were President Harry S. Truman and his wife, the then First lady. Since then, a lot of development and changes have been given to this health care plan. Governments also provide health care for disabled young people and those with End-Stage Renal diseases.

The Medical advantage which is also known as Medicare part C is a type of medical & hospital coverage given by private institutions such as Insurance companies, Religious organizations, union and other kinds of private establishments. Notwithstanding, these private institutions are still being monitored by the federal government.


aarp medicare advantage

What are benefits?

This plan offers all benefits offered by other plans, which are: Medical insurance (Part A), Hospital insurance (Part B) and even more.

  • Below are some of numerous benefits of this plan. Different benefits are offered by different Medicare providers, it will be better if you investigate and find out the one that best suits you, so as to enroll for it. Benefits include:
  • All benefits offered by Part A.
  • All benefits offered by Part B.
  • Routine care for your hearing and vision.
  • Fitness program.
  • Prescription drug coverage.
  • Wellness services or a nurse helpline.
  • Health club membership.
  • Out-of-pocket limit.
  • Options including or exclusive of provider networks.
  • Premiums fitting a variety of budgets.

Other benefits include a reduction in 20% co-pays and high rate of deductions that happen in Original Medicare, coverage outside the United States and so on. Only one is not involved in Part C is the Medicare Supplement insurance (Medigap), as supplement plans only pay benefits in Original plan.

What are things you must know about?

Drug coverage is not possible if you are in HMO or PPO and want to join a stand-alone drug plan. It will only work if an option including drug coverage is selected. These are some of things peculiar about those who enroll for an Advantage plan:

  • Residence in plan’s service area and have Part A or Part B.
  • Using Advantage plan card instead of Medicare card.
  • Continually paying for Part B premium.
  • Paying for deductibles, co-payments, or coinsurance for services gotten. Paying also a premium for a plan.

In 2009, about 1.5 million Americans petitioned for chapter 11. A large portion of them were working class, accomplished property holders, much the same as you. Do you know what caused a large portion of those liquidations? It wasn’t a favor movable rate home loan or reaction from the money related emergency. As per an investigation distributed in the August 2009 American Journal of Medicine, over 60% of insolvencies have their main driver in medical bills.  Medicare Supplement 2019


“Unless you’re a Warren Buffett or Bill Gates, you’re one sickness far from monetary destroy in this nation,” says Harvard analyst and lead creator Steffie Woolhandler, M.D. Or then again, as one of my customers, a doctor, said to me, “You are only one stage far from the banana peel!”


Most importantly financing regularly expanding medicinal services costs is more likely than not one of your biggest dangers – if not the biggest – in retirement. Furthermore, since we know it is exceptionally difficult to make powerful move once you are as of now in monetary emergency, it is essential that you answer the accompanying inquiries before you resign.


If you are intending to resign before age 65…


  1. Do you have retiree medicinal services benefits accessible through your boss or association? Is it accessible for just you or you and your wards?


If you are among the few who have retiree benefits, tally your fortunate stars. As indicated by a February 2003 Issue Brief by the Employee Benefit Research Institute, just 12% of private U.S. firms offered retiree human services benefits. That number is relied upon to keep contracting later on because of quickly increasing expenses.


Regardless of whether you do have coverage, remember that not all designs are great designs, nor are they essentially moderate. You likewise should be mindful, as an early retiree, that your boss isn’t required to keep on offering you coverage and may end the arrangement whenever.


  1. Do you have any previous conditions which would affect your capacity to get coverage?


This is a particularly vital inquiry for the individuals who will get to the private insurance showcase. Singular insurance experiences a medical guaranteeing process. If you are un-insurable because of an interminable disease or condition, your lone alternative might be the state high hazard pool, which is normally exceptionally costly.


  1. Have you inspected the relative benefits of every one of your choices?


For instance, somebody with retiree coverage may likewise be qualified for COBRA and private insurance. It is essential to take a gander at the benefits accessible under every arrangement and their relative expenses. What is the lifetime most extreme? Are there survivor benefits? What are the out-of-take costs?


Another issue to consider is the likelihood of an adjustment in wellbeing status. If you are not qualified for retiree benefits, COBRA may be a decent choice, for year and a half, to overcome any issues until the point that you become qualified for Medicare. In any case, if COBRA won’t get you to Medicare qualification, you may be better off taking private coverage now, accepting you qualify, to fence the danger of a disease springing up in the 18 month time span that makes you un-insurable.


  1. Do you know when and how to enlist in Medicare?


Regardless of whether you are qualified for retiree benefits, your company will expect you to enlist in Medicare at age 65. By then, the retiree strategy for the most part becomes second-to-pay. If you get Social Security benefits before age 65, (which we don’t prompt), you will naturally be enlisted in Medicare Part A. You should choose whether to select in Parts B,C and D.


If you postpone Social Security benefits, you should contact Social Security some time amid the three months preceding your 65th birthday celebration to enlist. You totally would prefer not to miss the underlying enlistment window, which begins three months before your 65th birthday celebration, incorporates the month you turn age 65 and closes three months after that birthday.


Choosing between the Original Medicare and Medicare Advantage Plans has always been a tough task for most of the people due to all the complexities they bring with them. We can call this fight between the choices as Medicare Advantage vs. Medicare. According to federal law of U.S, the private insurance companies are bound to offer all those perks which are offered by the Original health insurance such as Medicare Part A and Part B. Moreover, according to the research, almost 90 percent of the Medicare Advantage Plans provide their members with prescription drug coverage. According to latest study, almost 68 percent of the health insurance Advantage members chose Health Maintenance Organization (HMO) plan whereas 27 percent chose Preferred Provider Organization and the reaming 5 percent chose other plans such as MSA and SNP, etc.

Some difference

Generally, HMO plan requires that its members can only seek assistance from in-network service providers (doctors and hospitals) and also a referral from primary care doctor is needed to see a specialist. However, PPO plan allows its members to avail out-of-network Medicare-approved services but at higher rate. But Original Medicare is entirely different from Medicare Advantage because it allows all of its members to see any out-of-network doctor or visit any hospital for that matter.  Medicare supplement plan G 2019

Pros and cons

Following are some of pros of health insurance Advantage Plans which have been gathered by Center for Medicare Advocacy:

  • A very small amount of paperwork is needed due to less usage of claim submission.
  • Healthcare Advantage Plans focus mainly on preventive care.
  • These plans also offer supplemental benefits as compared to Original health insurance and those benefits are routine vision, hearing, and dental check-ups.
  • You do not need to purchase any stand-alone package for drug coverage because health insurance Advantage plans are like a complete package.
  • These plans have introduced a very amazing way of cost saving in form of maximum limit on out-of-pocket costs.

Now let us discuss some cons:

  • Due to restricted network of service providers access to your favorite doctor, or hospital might be in jeopardy.
  • Requirement to get referral from your primary care doctor to see a specialist slows down process.
  • Less versatility in terms of dis enrollment or enrollment because once you enroll in health insurance Advantage Plans, then you will have to remain enrolled for a year. However, there are two exceptions one is an extra dis-enrollment period from January 1st to February 14th, and another one is enrollment period.