How to shop for a Medicare advantage plan 2019 online

To start with, Medicare advantage plans includes the following; Medicare medical savings account plans, health maintenance organizations, special needs plan, and private fee for service plans. It is up to you to decide what insurance you are willing to apply for. Most of these plans offers prescription drug coverage. If you are benefiting from Medicare services, you will notice that most of them are not paid for under the original Medicare. Shopping for 2018 Medicare advantage online is a simple thing to do, all you need is to know what you really want. The steps are simple and clear, visit the website of the Medicare advantage plan of your choice and see whether they have given out the option of applying or joining online. You can even call them if you need clarification or more information.

You will have to call and ask them to provide you with an enrollment form that will require to be filled and returned. Make sure that you search using the plan name to avoid contacting the wrong Medicare plan.  After you successfully join the Medicare advantage plan, you must provide your Medicare number and also the date that your part A or B coverage started, you will find this kind of information from the Medicare card that you will be given. It is important to know about Medicare fraud; it is advisable not to give any personal information to plan callers. No one should call you claiming to be servicing Medicare advantage plans because in the first place they are not supposed to call you, unless you have specifically requested them to call. They are also not supposed to ask you to give any financial information such as bank accounts or credit cards over the phone.

Buying of Medicare advantage plan is done only if you ask for it and not buy it from an agent who is selling door to door, this is unlawful. Do not be left behind this time and enroll for the Medicare advantage plans 2019. You can also renew if it just expired. Another important thing to note is that not all Medicare advantage plans provide similar services, do some digging and understand the rules, costs and do the comparison between all the options that you have. You can actually use Medicare plan finder to look for one that suits your needs.

When is the right time to purchase the Medicare Supplements Plans

There are questions that all people throughout the US territory are asking. They are similar and all harbor the same doubts and the answers turn out to be the simplest in a lifetime. An example of them are the questions related to medical insurance.  When someone approaches retirement or has a disability, they think about their health insurance because they know it is something they will need. Being supported and protected during times of emergency is something that has no price and will always be well seen in all companies that comply with this.

Meanwhile, people wonder what is the best medical insurance and after they decide which one to enroll, they are faced with the question: What is the ideal time to acquire a Medicare Supplement Plan? Yes, as you read it. Everyone asks this and it is totally valid because it needs to be done at an appropriate time. First of all, you should know that Medicare Supplements Plans can only be purchased when you already own both Medicare Part A and Part B. By having the original plan, you can start looking for options for complementary plans. The more you get into the world of Medicare Supplements Plans, you realize that there is no single plan to choose but there is another 9. In total there are 10 options you have and they all differ from each other.

So you can make a wise decision, you can refer to the official Medicare page where you will find all the relevant information. When you already choose the Medicare Supplement Plan you want, you should expect something important. Enrolling in Medigap is not as simple as it seems. This can only be done during a period of time that Medicare establishes for private institutions to begin giving people their new complementary plans. Outside of that period of time, registrations are very difficult to make and nothing can be guaranteed.

This period of time lasts approximately 6 months and registrations are open during business days. Dates are usually announced on all possible sites since the idea is that everyone is aware that they can already purchase your Medicare Supplement Plan On the other hand, if you already knew this about the specific dates to register in Medigap, your question is when is your perfect moment to register there, the answer is even simpler: You can register when you want. It does not matter how old you are since if you have a Medicare plan previously, you should only expect that you feel prepared to take on this new challenge.

Even so, when you feel ready, you must collect a series of precautions that are given to the advisor and only then determines if you are eligible for Medicare Supplements Plans. Remember that these are few quotes that are granted and not always all those who submit their applications are selected. Now that you know what is the perfect time to purchase the Medicare Supplements Plans 2018, there is nothing left to do but pay attention.

Basics of Medicare Advantage Plans, a must know

People get the coverage for their health from the Original Medicare, while some enjoy the Medicare Advantage plans benefits and this is also referred to as Part C or Medicare private health plan. The plans offer Medicare benefits.

The common types of MA Plans are:

Remember, one thing is certain that even on getting enrolled with Medicare Advantage plans, you have Medicare. This means you pay for Part B and A monthly premium in case you have it. In case you are enrolled in an MA Plan, you get to enjoy the same benefits offered by the Original Medicare. Bear in mind the Medicare Advantage plans may apply different rules, restrictions and costs that may affect as you receive care. They may provide certain benefits that Medicare fails to cover, such as vision and dental care.

The Medicare Advantage Plans include out of pocket costs limit for the services of Part A and B. For instance, the out of pocket expenses as maximum in 2018 for HMO plans is $6700. These are high. Apart from this, the plans cannot charge coinsurances or higher copayments that the Original Medicare for services such as dialysis and chemotherapy, but they car charge more for other services. Click here to learn more.

Note: MA Plans may have diverse:

  • Providers of Networks
  • Rules of coverage
  • Premiums besides part b premium
  • Covered services cost sharing.

In fact the truth is that even with same plan types provided from different companies come with different rules. Thus, before choosing one, check directly about the plan and its coverage.  Joining Medicare Advantage plans is possible if:

  • You own Part A and B Medicare
  • You live in the service area that offers this plan
  • You do not have crucial health problems such as renal disease end-stage

Many Medicare Advantage Plans give Part D, the prescription drug coverage. If you join without drug coverage, the Medicare Advantage plans, you can enroll in Part D as stand-alone plan. Remember Original Medicare with Part D coverage also enrolls Part D plan as a stand-alone. Another important point is if you are covered by your employer or union on becoming Medicare eligible, you get enrolled automatically in sponsored Medicare Advantage plans, however, you may choose the plan, enroll in new MA plan, quit from Original Medicare as well, but remember if you change to another plan, your union or employer may reduce the health and other company benefits.

How Medicare Supplement Plans Work?

Original Medicare whether Part A or Part B, pays for many health-care costs, but do not pay for all health-care costs. This is the reason you need to get Medicare Supplement Plans to cover uncovered health care costs. These Medigap plans will help you pay some of the hospital bills and medical costs such as copayments, coinsurance and yearly deductibles that your Original Medicare does not cover. Here is an overview of Medigap policies work with other insurance plans-

Medigap policies actually supplement Original Medicare benefits. You need to enroll in Original Medicare to be eligible to get Medigap coverage. Furthermore, you need to stay enrolled in Original Medicare for your hospital and medical coverage. It is worth saying here that Medicare supplement plans do not provide any kind of stand-alone benefits. It is possible that based on the state you live in, you may not be able to get Medicare Supplement coverage in case you are under 65, and have Medicare because of disability, end stage renal disease or any amyotrophic lateral sclerosis.

In United States, states are not supposed to provide Medigap coverage to beneficiaries under 65. If you are under 65, and have Original Medicare, you should check with state’s insurance department to learn if you are eligible to enroll in a Medicare Supplement Plan. You should keep in mind that Medigap plans do not include any prescription drug coverage (Part D). So, if you need help with your medication costs, you need to enroll in stand-alone Medicare Prescription Drug plan. Furthermore, you cannot use Medicare Supplement plan to pay health-care costs that you have with a Medicare Advantage plan.

Medigap insurance can only be used to cover costs in Original Medicare. In case you have Original Medicare and a Medicare Supplement plan, then Original Medicare will pay the health-care cost first, and your Medigap Policy will fill in the cost gaps. For instance, you got $3,000 ambulance bill, and you have already got your yearly Medicare Part B deductible. Medicare part B will pay 80% of your ambulance bill. Now, if you have a Medicare Supplement plan that covers Part B copayments and coinsurance costs, then your Medigap policy would pay remaining 20% coinsurance of your $3,000 ambulance bill. So, it is important to have Medicare Supplement plans along with Original Medicare policies to get a complete. Get a free online quote at

Supplemental Insurance Plans

Medigap is a name for a Aetna medicare supplement plans that will help pay for the costs Medicare Part A and Medicare Part B do not cover. These may include co-payments, co-insurance and also deductibles. This can mean an individual’s medical expenses will be covered 100%. If one was to choose a Medicare Advantage Plan, then the expenses will be utilized by that plan. When reaching retirement age, there are several things a retiree needs to consider. A Medicare supplemental plan has many variations to explore before they make any decisions on their purchases. Medigap plans lettered Plan L and Plan K will contain 75% and half of the Hospice Section A could benefit a retiree for their future medical needs. Medigap supplemental plans K, L, and N have the stipulation of seniors paying a portion of co-payment and co-insurance which may bring down the cost of their premiums.

Some changes in the plans have brought about new plans, such as, Plan M and Plan N. Plans E, H, and J are no longer issued. Those who already have these plans have the choice of still having them or choosing from the other plans available.  Another change is with Plans D and C which cover different benefits as from June 1, 2010 and those individuals who have these plans may keep them without any changes.

Another consideration to remember is that all the Medigap plans are under the restrictions and rules of the Federal and State governments and are available to all seniors. An insurance company will be issuing these Medigap plans that have the letters A-L. All of them offer the same medical coverage and are no different from one insurance company to another. The difference will be the cost of the premiums. Some states have a time of the year where a senior may join these Medigap supplemental insurance plans. One must remember that an insurance company cannot refuse to suggest they cannot get these plans or make them pay more for their premiums, because they have any preexisting medical conditions. This will depend on when a senior decides to get their Medigap policy. If they join Medicare Part A and Medicare Part B at the age of 65, their medical conditions will be covered. If they wait beyond this age, those conditions may not be allowed and they will have to pay more for their premiums. Also joining Medicare beyond the age of 65 will increase all premiums as each year goes beyond that time.

Medicare Advantage Plans enrolment features and benefits

Enrolling for Medicare Supplement Plans 2018 is possible in a year at certain times and this is also the best time to get signing up for a plan. You can join any MA plan and get enrolled in Parts A and B Medicare. This will mean you are enrolled typically in Medicare Advantage Plans and doing so in these periods is helpful:

  • IEP: This is a period for seven months such that it takes into account on the eligible month that is your 65th birthday month and also allows three months front and back with your birthday month on becoming eligible for the first time with Medicare. This is either to get enrolled on the 65th birthday month or on collecting disability benefits on the 25th
  • Part B: After the normal enrolment period, it is outside the time and it means if you delay getting Part B enrolment in the SEP as you are having insurance based on your job, then there is no penalty on becoming Medicare eligible. You are allowed to enrol without penalty in Medicare up to a period of eight months after losing the coverage from the job. Enrolling in Medicare Advantage plans means you have signed for Part A and B coverage.
  • GEP: The period between January to March in every year is the time you can sign for Medicare, if you did not sign on becoming eligible. Thus, the coverage will start only from July 1. You may sign up from April to June for Medicare Advantage plans, once you sign during GEP for parts A and B.

The period of October 15 to December 7 is a period every year when you can switch to new coverage. This is the time you can consider picking a new Plan of Medicare Advantage plans or consider switching from Original Medicare. In fact, you can also change the coverage of Part D at this time.

Note: If you suffer with ESRD, you can join MA plan in case there is special needs plans accepting ESRD people. If so, you can keep your plan active in case you enrolled earlier before developing ESRD. Medicare Advantage plans change each year their benefits with Medicare. The benefits, pharmacy network, drug formulary, provider network, copays, premiums and coinsurance keep changing every year. Remember, if you join a MA plan considering a benefit this year, the benefit may not be available if plan changes and if so you can switch to another plan seeking better benefit.

How to Have Fun on Holidays As A Senior

It may be hard to enjoy the holidays as a senior if you don’t have your kids around or if you do not have kids, or if you don’t really celebrate with anyone like you used to when you were a kid since you parents most likely aren’t around. If that is the case then there is still a way to enjoy the holidays alone and still feel like they used to when they were younger.

Christmas is a holiday that a lot of people tend to spend with their family and friends since it is the holiday to give gifts to eachother and not be selfish. Even though this is the case you can still have a fun time though even by yourself. The first thing that you can do is cook yourself a good meal whether it be you most favorite food ever or if you want to make a more traditional option for you dinner then choose whatever you want more. Then you can put on some christmas music when you are cooking to make it feel more special. After you make you dinner or if you wanted to order your favorite meal instead, then you can turn on some christmas movies and sit and watch them and maybe eat some dessert or some candy. Relax and enjoy the night and eat whatever the heck you want since it is christmas. Get a 2020 supplement plan at

If you have friends then you can also invite them but if it is thanksgiving then you can pretty much do the same thing as you did for christmas. Except this time then you can go to black friday and do some shopping and buy yourself some nice things since you won’t have to buy anything for anyone else for christmas. This time you can just cook a turkey dinner for yourself and not have to worry about making dinner for a bunch of people and this time you can just worry about making enough food for you and making food that you enjoy instead of making food that will please everyone else. You only have to worry about you

Whatever you choose to do to spend your holidays just make sure it is something you enjoy and that you actually something to celebrate since these only happen once a year and they are happy days of the year where people are the best.

Know Your Health Options

Aetna, an American health insurance company, was founded in 1853 and provides Aetna Medicare. The company is listed among the Fortune 100 in the category of health care. Aetna offers a wide range of health insurance products / services aimed at consumers, as well as conventional health insurance such as behavioral, dental, medical, group life, long-term care, pharmacy, Medigap, disability and health care management with their Aetna advantage plans. The company is a Hartford, Connecticut-based health insurance company. The company has two other offices in Middletown, Connecticut and Blue Bell, Pennsylvania.

Aetna Health Insurance offers safe and affordable Supplement Medicare insurance plans like A, B or F, which are only created to form your original Medicare health insurance – they also offer Medicare Part D insurance. The Medicare supplement plans includes out of pocket expenses such as Part A as well as Part B deductibles as well as expenses that give you the option and freedom to go to a qualified doctor who already offers Medicare. The individual himself and not others will make the choice of what doctor to visit.

Aetna offers a vast range of Medicare insurance plans with broad coverage. For example: Aetna Medicare Supplement (PlanSM) Insurance Policy, Aetna Golden Medicare Plan (HMO), Aetna Medicare Rx Plan, basic Aetna Medigap Insurance Policy and Aetna Golden Choice Plan (PPO).

Aetna Health Insurance Company also offers a wide range of health insurance products with a large insurance coverage that fits both your spending budget and your needs. The services / products include medical, behavioral health, long term care, disability, dental plans, employee benefits, etc.

Selecting a Medicare plan may take some time. Remember that Aetna, along with hospital, medical, and prescription coverage, has many extras such as wellness, hearing, vision, and fitness benefits in many Aetna Medicare Advantage plans, vision, consultation, fitness, weight management, as well as natural products and services Discounts with most plans, as well as Aetna Health Connections – Disease Management Program – individualized clinical programs more than 30 chronic diseases. Get the best 2020 plans at

Aetna is a contiguous offshoot of the American Aetna Insurance Company, which in 1850 issued its first life insurance policy. Aetna offers Medicare plans such as A, B, C (throughout Texas) and Medicare Plan F in 12 states. Aetna is also offering additional Medicare plans in some states and Plan D (prescribed drug coverage) in all 50 states. Aetna Medicare plans designed for seniors consist of Medicare Advantage Plans, Medicare Supplement Insurance, as well as Medicare Part D.

Aetna Health Insurance Company ensures the well-being and overall health of people by providing trusted information and resources to support its ten million members (pharmacy), fifteen million members (medical), 12.8 million members (group insurance protection), and 12.6 million members (dental).

When choosing a Medicare plan, bear in mind that Aetna Medicare provides a full range of plans. Continuing its 153-year tradition, Aetna Health Insurance Company is proving to be a pioneer in the healthcare industry by establishing a solid healthcare system through the cooperative network of medical centers, physicians, patients and employers.


Healthy Treats For Elderly

It can be hard to fight the need to eat something sweet and what’s even harder is trying to find something healthy that will make your sweet tooth go away for awhile. It can be very hard to do this which is why this article will show you the different things that you can eat for dessert as a senior without making you feel like crap for eating a dessert.

The first thing that you can eat that is healthy is a piece of fruit, fruit is very sweet and can most likely make your sweet tooth go away because of the natural sweets that it contains. Fruit does have a lot of fruit but it is good natural fruit and not sugar that is made from not healthy sugar like cane sugar. Candy and candy bars contain a lot of not healthy sugar that isn’t good for you at all since they contain a lot of carbs and don’t have any protein or anything that is good for you pretty much. Fruit is for sure a good choice to reach for if you feel like you really need to eat something sweet.

Another good option is to eat a protein bar but as long as it is one that doesn’t have a lot of sugar and instead has a lot of protein and things that are good for your body. But bars that are only made up of natural things like dates and other healthy natural options are fine to choose since they aren’t made up of unhealthy sugars and instead come from fruits and natural sugars. If you feel like you need something more dense and filling and something that tastes more like a treat than fruit does then it is good to pick this option instead of fruit if you feel the need to.

The last option that is a good choice is dark chocolate. This can actually be healthy for you and can be good for you body and actually give you benefits. But it is only good for you if you eat it in moderation and not in large portions. Just make sure that if you are going to eat this that you don’t eat a lot of it and instead eat only a couple pieces at a time. Whatever treat you eat just make sure it is healthy and not bad for you.

Acquire Quality Rates on Senior Health Insurance

Wіth іnсrеаѕеd аgе and hеаlth соmрlісаtіоnѕ people rеԛuіrе frеԛuеnt claims from іnѕurаnсе policies frоm whеrе thеу саn claim thеіr individual expenses. Sеnіоr hеаlth insurance іѕ of thе utmоѕt nееd. However, thе question lооmіng large at this point іѕ how one саn асԛuіrе ԛuаlіtу ѕеnіоr hеаlth insurance. Sіnсе реорlе at this аgе are аt a higher rіѕk zone, іnѕurаnсе роlісу оutlіnеѕ are not оutlаіd bу thіnkіng аbоut their bеnеfіtѕ.

The ѕtаtе-ѕроnѕоrеd ѕеnіоr hеаlth insurance programs lіkе the Mеdісаrе provides lоw-соѕt hеаlth insurances tо реорlе. Hоwеvеr, Mеdісаrе only covers fоr fеw expenses that thе subject is most оftеn рuѕhеd to bеаr fоr any соmрlісаtіоnѕ. Thеrе іѕ a hugе gар bеtwееn thе асtuаl еxреnѕеѕ аnd thе expense thаt Medicare would соvеr аt this роіnt.


Medicare dоеѕ not cover thе annual check-ups уоu nееd to make for уоur hеаlth. This nесеѕѕіtаtеѕ thе rеԛuіrеmеnt оf аnоthеr plan whісh wоuld соvеr the lоорhоlеѕ іn thе Mеdісаrе. There are two tуреѕ of insurance рlаn fоr the ѕеnіоrѕ. Onе іѕ the HMO plan аnd thе оthеr is thе PPO роlісу.

Fоr аррlуіng for Mеdісаrе оnе hаѕ to be аbоvе thе аgе оf 65 уеаrѕ. If any individual hарреnѕ tо bе retired, but bеlоw thе age оf 65 years, thеу аrе then nоt applying fоr Mеdісаrе. At thіѕ point, thеу might еnd uр unіnѕurеd. These аrе few оf thе bеnеfіt thаt a Medicare іnѕurеd іndіvіduаl mау enjoy:

Clаіm tо thе еxреnѕеѕ thаt are brought іn bу аnу doctors аnd аt аnу mеdісаl facilities.

Cоvеrаgе fоr services provided fоr occupational trеаtmеntѕ as wеll аѕ рhуѕісаl thеrареutіс еxреnѕеѕ.

Anу ѕоrt оf сhаrgе оr expense thаt thе іndіvіduаl suffers frоm uѕіng аnу medical еԛuірmеnt. Thе ѕubjесtѕ аrе аlѕо соvеrеd fоr uѕіng outpatient fасіlіtіеѕ.

Any ѕоrt оf expense that thе іndіvіduаl ѕuffеrѕ fоr charges on аnу kіnd оf рrеѕсrірtіоn drugs.

Medicare offers соvеrаgе fоr in-patient care аt аnу hоѕріtаl, nurѕіng home or hоѕрісе.

Aссоrdіng to thе rесеnt сhаngеѕ thаt have been brought it, the роlісуhоldеr can еnjоу thе bеnеfіtѕ оf the Mеdісаrе роlісу by choosing thе оnе thаt they mіght want tо аvаіl. Aраrt frоm Medicare оr over аn above thе Medicare benefits, оnе саn орt for affordable ѕеnіоr hеаlth іnѕurаnсеѕ. It іѕ nесеѕѕаrу that оnе knows thе еxасt rоutе to fіnd the bеѕt hеаlthсаrе роlісіеѕ for thеm.

Online portals will рrоvіdе you the bеѕt hеlр altogether. Yоu саn аѕk for ԛuоtеѕ frоm dіffеrеnt companies. Yоu саn соmраrе thе ԛuоtеѕ уоu can gеt іn touch wіth thе соnсеrnеd роlісу рrоvіdеr. You can gеt іn tоuсh wіth consultants whо are еxреrіеnсеd іn the field оf іnѕurаnсе and саn provide you wіth thе rіght оutlіnеѕ tо fоllоw. Thе іntеrnеt аlѕо саrrіеѕ dіffеrеnt reviews on different products аіmеd fоr insurances in hеаlth.

Thе mаrkеt оf іnѕurаnсеѕ for health is аѕ соmреtіtіvе аѕ the оthеr insurances field. The соnѕultаntѕ and thе соmраnу аrе always оn thе lookout fоr lеаdѕ оn іnѕurаnсеѕ. Aѕ ѕuсh, оnе mау get іmmеdіаtе responses from dіffеrеnt роlісу рrоvіdеr when оnе expresses оnеѕ dеѕіrе to do buу оnе.