medicare insurance Archives - Page 35 of 38

How Medicare Supplement Plans Are Rated

Medicare may sometimes fall short on coverage and can be a financial burden to retirees. It is wise to look into Medicare Supplement Insurance to help ease the burden, and receive more coverage. Medicare Supplement is offered by private companies that are regulated by states. There are different policy premium rates by different companies, and it can be confusing.

*Medicare Supplement Plan rates are assessed based on different factors: age and community.*

Medicare Supplemental Insurance offers coverage for things that traditional Medicare does not cover. Once you begin paying premiums for a Medicare Supplement Insurance, you will have more coverage, and save more money. Competition between insurance companies is allowed, which is why there are different prices. There are three ways that companies calculate a premium rate.

Community-Rated

The same monthly premium is usually charged to everyone, regardless of age. Someone 65 will pay the same price as someone who is 72. Premiums are not based on your age, and the only reason premiums may go up is because of inflation, never because of your age. However, state to state and community to community, insurance companies do not have to have the same rates.

For example, Mr. Halpert is 65 and buys a Medicare Supplement plan at $160 a month. Mr. Scott is 75 and buys the same plan as Mr. Halpert. He also pays $160 monthly because everyone pays the same price regardless of age.

Issue-Age-Rated

Premium pricing is based on the age you are when you purchase a Medicare Supplement Insurance plan. The younger you are, then the lower your premium will initially be, and will not change as you get older.

Premiums may go up because of inflation and other factors, but not because of your age. Switching plans later in life may result in rates being higher than if they chose the same plan when they started.

For example, Mr. Halpert is 65 and purchases a Medicare Supplement plan, paying $140 a month. Mr. Scott is 75 and purchases the same plan as Mr. Halpert. But, because Mr. Scott is older, his monthly premiums are $180.

Attained-Age-Rated

The last method of creating a premium is when premiums are based on your current age of when you first start the policy. The premium is low for younger buyers, age 65, but the rate goes up every year as you get older.

For example, Mr. Halpert is 65 and purchases a plan for $130 a month. The premium will go up each year, so at 66 it will cost him $136, at 67 it will be $142 and so on.

Now Mr. Scott is 75 and purchases the same plan as Mr. Halpert, but pays $170 a month. His premium is higher than Mr. Halpert’s because it is based on his current age. The premium will also go up each year, so at 73, it will cost him $176, at 74 it will be $182, and so on.

Costs of Medicare Supplement Plans can vary between insurance companies for the same coverage. It is important to compare rates from private insurers to find the most affordable price for the same coverage. EZ.Insure understands how difficult this process can be, so we make it easy for you. We will compare all policies around your area, and find you the most affordable Medicare Supplement plan, with the coverage you need. To compare rates and get different quotes, enter your zip code in the bar above. If you would like to speak to one of agents who are trained and knowledgeable for your region, call 855-220-1144, or email us at [email protected]. Even if you are renewing a Medicare Supplement plan during the open enrollment period, we can help find the best rates, since they are subject to change every year.

Ways to Lower Your Risk Of Colon Cancer

Over the years, the number of people over the age of 55 with colon cancer has gone up by 3%. According to statistics from research, it is estimated that over 100,000 adults in the U.S. will be diagnosed with colon cancer this year. Of these numbers, there is expected a death toll of over 50,000. Colon cancer is the third most diagnosed cancer every year, however, if it is found early then it can be cured. What’s more crucial is to prevent it from happening by practicing ways of lowering your chances. Following a few simple steps every day can improve your health, lower your risks of colon cancer, and save your life.

Getting screened will help detect cancer and increase your chances of beating it. — *Getting screened annually will help detect cancer at an early stage,increasing your chances of getting rid of it.*

Get Screened

This method is the most important one you must do to for prevention of colon cancer. Getting screened will allow doctors to find any kind of growth or polyps so they can remove them before it turns into cancer. The purpose of these screenings is to find cancer long before signs of symptoms develop. Something so simple as going to get a screening/colonoscopy done can ultimately save your life. It is recommended by the American Cancer Society to begin testing at the age of 45. But if you worry due to issues or family history, you should consult with your doctor. Getting a head start is the key to success, the same goes for your health.

Healthy Diet

Your diet plays an essential part in your body’s health. The nutrients you put into your body are what fuel your body and give it the energy to protect it from threats. Researchers have linked eating a lot of vegetables, fruits, and whole grains with a lower risk of colon cancer. Red meat and processed meats give you a higher risk of colon cancer. Always be mindful by what you are putting into your body, because that can be a factor of what help you or hurt you.

No Smoking

Smoking is a bad habit that has many negative effects on your body. It can cause lung cancer, and increase your chances of developing and dying from colon cancer. This is especially true and serious for long-term smokers. Quitting smoking is the best thing you can do for your health. If you need help quitting, seek help from your doctor or a counselor, this will increase your chances of quitting.

*Watching your weight can decrease your chances of colon cancer. Focus especially on your mid section.*

Watch Your Weight

Being overweight raises your overall risk of cancer. Research shows that many different kinds of cancer has been linked to being overweight, and obesity. Having a lot of belly fat has been linked to colon cancer. It is safe to maintain a healthy weight for your height and avoid gaining too much weight, especially around your midsection.

Exercise

There are many benefits of exercising, it will make your heart healthier, give you a mental boost, and reduce your risk of cancer. Any kind of physical activity from taking a long walk with a friend, to regular to riding a bike can lower your risk of colon cancer. Thirty minutes a day of any moderate physical activity will steer you away from cancer.

Limit Alcohol

Consuming a lot of alcohol increases your risk of colon cancer, especially among men. If you are going to have a drink, then it is important to do it in moderation. Talk with your doctor, friend, or a counselor if you have a problem and want to cut down or quit, because it is beneficial to your heart and body’s overall health.

Colon cancer develops more in men than women, and more in those 55 and older. Taking care of our body is the most reliable ways to prevent cancer. We are only given one body, so it is essential to try to keep it as healthy as we can with these small, yet powerful methods. Get screened, eat right, work out, avoid smoking, and drink in moderation. It is never too late to start, so treat your body right and it will do the same for you.

Tips to Treating Arthritis

Almost 60 million Americans are dealing with arthritis and the pain that comes with it. Arthritis is a joint disorder that inflames the joints and can causes severe pain. Osteoarthritis is the most common type of degenerative arthritis causing stiffness and pain. Arthritis cannot be cured, but there are steps and exercises anyone can do to treat it.

Treating arthritis can be a long drawn out process after figuring out what medication and treatment work for each individual case. Treatment involves a lot of trial and error, but focusing on rest, a healthy diet and exercise are the best ways to battle it.

*Light aerobic exercises like swimming can be beneficial to your joints.*

Medications

Nonsteroidal anti-inflammatory drugs like ibuprofen and naproxen can help with pain and swelling. These medications do not require a prescription. Talk to your doctor about different medications that can help manage pain such as acetaminophen or other arthritis drugs. Make sure these drugs are approved by the FDA.

Heat & Cold

Applying either a heating pad or a cold pack on your inflamed joint for 15 minutes at a time can help ease the pain and stiffness. The cold will numb the pain, while the hot can help the stiffness.

Exercise

Try to exercise your joints every day a little at a time and slowly as to not overdo it or cause harm. Focus on range-of-motion exercises and strengthening ones as well to strengthen your joints. Aerobic exercises like riding a bike can lessen the swelling in joints, while keeping your heart healthy.

Topical creams can help with arthritis pain, there are also medicated ones. — *There are topical creams to help relieve arthritis pain. You can receive more medicated prescribed ones from your doctor.*

Creams & Supplements

Some over the counter creams that contain capsaicin, which is the ingredient in chili peppers, can help rid your joints of arthritis pain. The creams will numb the area but it is temporary. There are also supplement that you can take such as glucosamine and chondroitin which help to repair cartilage around joints. Calcium is also an important supplement to take to battle bone loss from arthritis.

Eat Right

While exercising, it is important to make sure to fuel your muscles with an abundance of protein. Make sure to stick to eating healthy proteins such as egg whites, salmon, and chicken.

Before exercising or using any creams, supplements, or medications, it is important to talk to your doctor. Your doctor will make sure you are physically able to take on any of these tips for your arthritis pain in order to not cause any more harm.

Hiking Benefits & Tips for Seniors

It is important for people of all ages to keep active and exercise in order to maintain a healthy life. This is especially true for seniors, as long as it is in a safe manner. Studies have shown that seniors who walk at least 4 hours a week are less likely to be hospitalized due to heart issues. Hiking is one way to get out for a walk and are softer on joints instead of concrete. There are multiple benefits to hiking, but there are also precautions to keep in mind.

Hiking with friends is benefical for safety and fun! — *Hiking with friends is a safe way to have fun and make sure no one gets lost or hurt without help.*

Benefits

Hiking has many benefits for your overall physical and mental health. It improves the circulation of blood flow through your body which improves your heart health. Hiking is safe for seniors that can walk on their own ss long as you go on a safe, approved trail. Walking the trail will help your muscle strength and bone density, ultimately reducing the risk of osteoporosis and other bone diseases. On top of helping you physically studies have shown that hiking twice a week increases cognitive function such as better memory.

Nature walks can lower depression and feelings of isolation, especially if going with a hiking partner. Make this a group or family hobby to really get all of the benefits of hiking, and to make memories with your loved ones.

Safety Tips

Always check with your doctor and make sure it is safe for you to start walking and hiking.

Dress accordingly in order not to overheat, or in some cases freeze, and make sure that you have no-slip grip shoes so you do not slip or fall.

Take short hikes if you are a beginner so you don’t overexert yourself. Once you have been steadily hiking for about half an hour and you feel more comfortable you can add more time. Take your time on hikes, even if you are part of a group, do it at your own pace.

*Using a stick or crane will help keep you balanced when hiking.*

Drink plenty of water when hiking and carry extra bottles so you can stay hydrated. Make sure you use sunscreen to protect your skin from harmful UV rays.

Be sure to let someone know when and where you are going on a hike so someone is aware in case you get hurt and cannot contact anyone for help. Carry a first-aid kit with you to treat minor issues.

Stretch and do some warm-ups before hiking so you can loosen up your muscles.

Use a mobility aid such as a stick or hiking pole to help you with balance or assistance, especially going uphill or downhill.

Hiking is not considered a rigorous activity, but instead another form of walking through nature or trails at your own pace. Exercising and staying in shape is ideal for living a healthier life, and hiking is a perfect way to get out and get moving. You not only get out and work your muscles, heart, and joints, but you also get to go out and socialize.

Before you get started always remember to check with your doctor before starting any exercise routine.

Lifestyle Modifications for Healthier Seniors

Exercise and diet, we hear how important it is all the time, but does it really hold its value as we age? We live in a time where every week there is a new fad diet or exercise program in the works that promises instant results, so you would think staying healthy would be a no brainer. As we age maintaining health and hygiene is still important, but it doesn’t have to be as complicated as signing up for a aerial pilates class or switching to a no carb, high protein, no sugar, I only eat green on Wednesday diet. There are simple things you can do to promote health. In order to live an overall happier and healthier life, there are some important, but basic, practices to remember.

Routine dental care

Daily brushing and flossing are essential for good oral health because plaque can build up quickly. If too much plaque builds up, it can lead to tooth decay and gum disease. Make sure to brush twice a day with a toothpaste containing fluoride, floss at least once a day, use an antiseptic mouthwash and visit your dentist regularly.

Regular Doctor Visits

This includes dental, primary doctor, eye doctor, and foot doctor visits. It is important to keep up with your health and visit the doctor regularly for preventative measures and to improve your health. Ask your doctor about any medications that are necessary for your health, and go over any side effects with your doctor.

Sun & Skin Protection

The sun produces UV rays that can harm and damage your skin, and cause skin cancer. As we age, our skin loses fat and water content, which makes the skin thinner and allows UV light to penetrate more deeply. Always apply sunscreen and moisturizers to your skin to protect and hydrate. The hours between 10AM and 4PM are usually the most UV-intense, so make sure to cover up and use sunscreen that is at least SPF 15 or greater.

Make sure to check your skin regularly for any new or suspicious growths from head to toe.

Adequate Sleep

Not getting enough sleep has major effects on your body. The metabolic activity of your brain decreases significantly, and your body temperature decreases. Sleep deprivation can cause your immune system functions to decrease, and can lead to an increased heart rate variability, which can lead to serious health conditions and complications. Experts believe 7 and half hours on average is an adequate amount of sleep for seniors, but you may need more. Decide how much sleep you need based on how much helps you function best throughout the day.

At times it seems like as we age we have so many things to remember and accomplish, so many things we want to enjoy for as long as we can, and these big important things can get in the way of us remembering the little things. But what you have to remember is that these little things can prevent you from dealing with big problems later. These little things keep you healthier longer and allow you to enjoy the important things as long as possible. Focus on yourself, remember the little things, and put your health first so you can keep your mind and body in top shape.

Importance of Personal Hygiene

Good personal hygiene can make a huge difference in how you feel about yourself, both physically and mentally. As you age continuing to be social is an important part of keeping your mind as young and healthy as possible. A part of being social is making sure that you are keeping up with your personal hygiene. As we age personal hygiene becomes even more important. Things as simple as washing your hands with soap and water consistently will protect you from catching viruses that your body might have been able to fight off previously.

*Washing your hands is the best way to avoud bacteria from entering the body.*

Taking care of your skin is critical as we become older because it becomes more thin and fragile, making it easier for germs to invade the body. The skin is the body’s defense system against infection, which is why it is important to remove bacteria by washing your hands and moisturizing to ensure a healthy quality of life. Professionals say that as you age you should bathe at least once a week to maintain hygiene health.

It can be hard to remember smaller things in relation to personal hygiene as you age, and you might need some help when it comes to keeping up with your hygiene. Help can be anything from assistance from a relative, or setting up routines and reminders that keep you on track. If you find yourself struggling with personal hygiene, it is important to pinpoint why exactly what is whether it be a physical issue or a mental one.

Factors that can lead to poor personal hygiene are:

Memory Loss-When experiencing memory loss, seniors can often forget whether they have completed a task or not. . Some seniors may think that they showered not too long ago when in reality it could’ve been days ago. A way to keep yourself on track would be to hang a calendar in your bathroom. This way you can mark off when you do shower so that even if you forget you have it written down and can check any time you want.

Depression

A lot of seniors will go through depression as they age and their health declines. Depression can lead to less interest in your appearance, and can eventually lead to isolation from friends and family. If you find yourself distancing yourself from the people and things you once loved you should consider talking to someone. Talk to your doctor about the way you have been feeling and considering getting help with your depression. This can help you get back to the people and things you loved so that you can continue to live a normal happy life.

Weakened Senses

Aging can lead to weakened senses of hearing, eyesight, and smell. The senses of smell and taste diminishes over time, which is why seniors are often less disturbed by bad smells. This is often why you might find yourself putting on more perfume than you used to. The recipe for the perfume has not changed, your sense of smell may have just gotten weaker. This can sometimes cause an overwhelming smell for the people around you. To make sure you are not overdoing it with perfumes, put it on and remember the number of sprays you use, then ask someone close to you if your scent is too strong. If it is use less sprays next time, if it is not you are on the right track and will always know you smell great regardless of what your nose cannot pick up anymore.

Mobility Issues

Physical challenges can lead to health issues due to the fear of falling. If this is the issue, it is important to seek assistance from a loved one if possible, an in-home care agency, or a nurse. Consider installing handrails, grab bars, non-slip adhesives, or a shower stool in the shower in order to stay safe if you have poor balance. Make sure to have everything ready before bathing such as shampoos, washcloths, and a towel. Always ask for help or assistance if you cannot do it alone to in order to avoid any serious falls or injuries.

Do not feel embarrassed to ask for help, your family and friends want you to be as healthy as possible, and are most of the time always willing to help.

When it comes to oral hygiene, make sure to visit your dentist every six months or more to check for gum disease. Make sure your dentures are checked and fit properly if you have them. Brush your teeth twice a day and switch to an electric toothbrush for ease. Use mouthwash at least once a day in order to reduce bacteria in your mouth as well as prevent gum disease.

Tag: medicare insurance

How Medicare Supplement Plans Are Rated

Community-Rated

Issue-Age-Rated

Attained-Age-Rated

Ways to Lower Your Risk Of Colon Cancer

Get Screened

Healthy Diet

No Smoking

Watch Your Weight

Exercise

Limit Alcohol

Tips to Treating Arthritis

Medications

Heat & Cold

Exercise

Creams & Supplements

Eat Right

Hiking Benefits & Tips for Seniors

Benefits

Safety Tips

Lifestyle Modifications for Healthier Seniors

Routine dental care

Regular Doctor Visits

Sun & Skin Protection

Adequate Sleep

Importance of Personal Hygiene

Depression

Weakened Senses

Mobility Issues

Business

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