Medicare Part D Prescription Drugs, Part 3

Medicare Part D Prescription Drugs, Part 3

An SEP can be done at any time duringthe year in which you are in a qualified situation. If you are not sure thereis a situation, call Medicare with the phone number. A licensed insurance agentwill be happy to help you identify your options. United Healthcare advantage plans can be found at

What is the Medicare Part D gap (“uncovered period”) and how can I avoid this?

The coverage gap (or “uncovered period”) refers to the point at which you and the Prescription Drug Policy of Medicare Part D or the Medicare Advantage Prescription Drug Policy spent a certain figure on insured prescription drugs. This amount is also referred to as the initial coverage limit. As soon as you have reached the limit of your initial coverage, you are in the so-called insurance gap, also known as the “coverage gap.”

In this phase of your Part D benefits, you pay a higher percentage of your prescription drugs. After you have spent a given amount, you reach the catastrophic coverage phase and pay only a small additional payment or coinsurance for your covered drug for the rest of the year. This article will give you more information about the actual costs you will pay when the insurance gap or the “uncovered period” comes in.

There are several ways to reduce the cost of prescription drugs. For instance:

Switch to cheaper drugs. Talk to your doctor about the use of generic and / or prescription prescriptions and if these options are appropriate for your condition. Many generic drugs work the same as expensive brand prescriptions, and this could save you money every year and keep you away from the deficit.

Request your policy for prescription mail order programs. You can save money on medications that you take for a long period of time (for example, 30 or 90 days).

If your Medicare policy requires the use of network pharmacies, make sure you complete your pharmacy prescriptions in your policy’s network. Otherwise, the policy can not cover it. In addition, some policies may have lower cost sharing if you use not only network pharmacies, but also preferred pharmacies in the policy network. Therefore, check with your policy if you can save money by exchanging your prescriptions at certain pharmacies.

Always use your Medicare Policy membership card when you receive your medication. If you use your card, you may be eligible for discounts on the prescription drugs you buy, and the money spent on covered drugs will automatically be added to your deductible (if applicable).

Look for programs that offer support. The National Advocate Foundation for Patients or the National Organization for Rare Diseases may have programs that support the costs of your prescription drugs. For complete information on state, federal and private assistance in your area, contact the National Council on Aging.

Apply for the Low Income Subsidy Program if you have limited income. Additional help helps low-income beneficiaries with the cost of prescription drugs. If you are eligible, you will not enter the coverage gap. You can get more information and find out if you are qualified by contacting the Medicaid program in your state.

Summary of Medicare Part D Benefits For 2018 Pt 1

Summary of Medicare Part D Benefits For 2018 Pt 1

The Medicare Part D program authorizes private insurance companies approved by Medicare to insure prescription drugs. You must have Part A or B to be eligible for a Medicare prescription drug policy. You can get this insurance in the form of a Medicare Advantage Prescription Drug Policy ​​if you have Part A and B or an independent Medicare Part D prescription drug policy that only Part A or B may be required.

In general, you can sign up for one ofthe Medicare policies that contain prescription drug insurance that may serveyour area of residence. With an easy-to-use comparison tool for Medicare PartD, you can compare and select the policies on offer. Quotes for a 2019 blue cross blue shield advantage plan are found at

The annual period for Medicare Part D prescription drug policies (or open enrollment for fall) last from October 15th to December 7th each year. Within this time, anyone can use Medicare to sign up for a Medicare Part D prescription drug policy or change from one policy to another.

You can enroll in a Medicare prescription drug policy or change the policy at any time if you qualify for extra help with the cost of prescription drugs. Extra Help (a.k.a. Low Income Assistance) is a program that helps beneficiaries with low income benefit from the costs of Medicare Part D. Depending the level of extra help you get, this may include monthly premiums, co payments and deductibles.

You can also register, change or discontinue prescription drug plans for Medicare during one of the special election periods held at any time during the year in which you are in a qualified situation. In some situations where you qualify for a specific eligibility period which includes (among others), leaving a policy’s area of ​​care or living in a nursing home or other supervised care center. Qualification for the additional help program is yet another case that qualifies you for a particular election period.

What should I keep in mind when choosing a policy?

Costs: The cost of Medicare Part D may vary by policy and   premiums, co payments, co insurance, and deductible costs. With the eHealth comparison tool for Medicare Part D, you can also compare the annual cost depending on the prescription medications you use.

Preferred pharmacies: Some independent Medicare prescription drug policies and Medicare Advantage prescription drug policies have preferred pharmacies that you can use to share lower costs. If a pharmacy you use is not in the policy’s preferred network, you may have higher co payments and co insurance expenses.

Travel: Do you travel a lot or do you stay in other states? If you signed up for a Prescription Drug Policy on Medicare Advantage or for a Prescription Drug Policy of Medicare Part D, you may want to find out if your policy offers protection in another state. In some cases, you may have to pay higher amounts of money when you complete the rules in the policy’s network.

What is the Medicare Part D insurance cost in 2018?

Premium: You pay a monthly premium for a Medicare Part D prescription drug policy that varies from policy to policy.

How can Senior Travelers Make the Most of Their Cruise Trips?

How can Senior Travelers Make the Most of Their Cruise Trips?

Cruise trips are perfect vacationoptions for people who are in the age bracket of being termed senior citizens. Cruiseship travel is secure and safe, and comes with various activities on offer aswell as on-board medical facilities and budget-conscious options in an ambiencethat can be regarded as perfect for many senior citizens. Here are some tips thatcan help senior citizens to make the most of their cruise trips. Get a 2020 medicare supplement plan to plan ahead for your healthcare.

Know about the activities

If you are an active senior in good health, you would possibly like to spend a more active vacation. Choose a ship that gives you a more active lifestyle, and also consists of an age-restricted sailing opportunity. Check whether you can get the chance to access various useful amenities such as full gym facilities and rock-climbing walls without the need to wait for a long time with other people, especially teenagers.

Ask whether there are Senior’s Discounts available

In most cruise liners today, older passengers are provided with a senior’s discount. This helps save anywhere between 10 and 50% for them. However, it is advisable that you check the rate of the senior citizens’ discount against the regular rate that has been advertised so that you can be assured that you are actually saving some money. In lots of cruise lines, spouses and families of war veterans are also offered a discounted rate. In case you or your husband / wife had been a veteran, do not think twice about asking for such a discount. Keep in mind, however, that you might need to show some proof about your veteran status at the time of boarding or before booking.

Get ready to meet your medical requirements

Buy an extensive travel health insurance package that is targeted especially for seniors embarking on cruise trips. You would like to get a package that can accommodate off-board emergencies and all the legal complexities associated with sailing on international waters. Do not forget to pack all those medicines that you need, and also pack spares along to make up for emergencies or losses. You should also always keep your contact information and complete itinerary details with a close family member or friend. There is an on-board health clinic in almost every cruise ship, with a health professional, attending nurse or doctor. In case you have concerns, make bookings in a ship having health care facilities of a more extensive nature.

What are Some Popular Pastimes for seniors during Trips?

What are Some Popular Pastimes for seniors during Trips?

Seniors these days have morechoices than ever before, as far as activities and options for trips go. Theycan benefit from cheaper airfare, big discounts and activities catering especiallyto them. Know about some of the famous pastimes for senior citizens duringtrips that you too can take pleasure from. Be healthy get a 2020 supplement plan to stay that way.

Theatre and Musicals

You can sit down to watch a play or a musical. This is a popular pastime for seniors, as it does not need any strain. People who love cultural stuffs like musical shows. A lot of senior citizens choose to make a trip to Branson, Missouri or the New York City, when in the U.S, to enjoy the many entertainment activities and shows that are on offer for them. There are many dining and entertainment options in each of these locations.

Historic locations

Many seniors like to enjoy historic locations and landmarks that have had a lasting impact on local or world events. Those who are history buffs like to travel to such spots on trains, and even go on guided educational tours where scholars guide them about these destinations. They get authentic information about such destinations from experts and get a first-hand view of the spots they have read about in history books.

Sea-gazing and chatting

Few things give so much enjoyment to seniors as gazing at the sea and chatting with close ones or even strangers and watching the sun rise and set over the sea, leaving thousands of colors in the sky and on the waters. This is easy to enjoy on cruise vacations, which are typically all-inclusive – with meals, beverages, entertainment and accommodation being part of the total costs. These days, senior travelers can find special types of cruises that are specifically targeted to them. Such cruises offer an amazing way to them to meet with other seniors in a relaxed ambience and possibly also find new companions during trips.


These are ideal for seniors,and travelers of any age group for that matter. But many senior citizens whohave a knack for history find more pleasure in museum trips. There are someamazing museums in Washington D.C. The Smithsonian Institution alone boasts ofover 19 museums, more than 140 affiliate museums and 9 research centers acrossthe globe.

National and State Parks

These parks are for senior citizens who love the outdoors, and like to spend time in the midst of nature – possibly even exploring wildlife.

Everything You Must Know About Mixed Dementia in Seniors

Everything You Must Know About Mixed Dementia in Seniors

Mixed dementia may occur when a person experiences multiple types of dementia. Even though this term may not be typically used during conversations in regards to dementia, certain studies indicate that mixed varieties may actually be among the most typical forms of this disease in seniors. Often, during mixed dementia, the sufferer might experience some kind of cerebrovascular issue like stroke & Alzheimer’s disease.

Furthermore, the sufferer might also experience Lewy body dementia that tends to occur when an unusual volume of a particular protein gets accumulated inside the brain cells.

Mixed dementia could only be conclusively diagnosed afterthe death of the sufferer since an autopsy report is essential to confirm thedisease. The autopsy must be able to identify over 1 type of irregularity, likethe blockages in the brain vessel or tau protein buildup. Get a medicare supplement plan at

Mixed Dementia Symptoms:

Mixed dementia symptoms may vary from one individual toanother, depending on what brain areas get affected as well as what changes inthe brain took place. Typically, the symptoms may be indistinguishable from theones found in Alzheimer’s, even though they could progress more rapidly whenseveral types of dementia start appearing earlier and/or exist.

difficulty in recalling recent info

behavior & mood changes


extreme confusion about time, place and events

suspicions about friend circle, caregivers and family members

extreme loss of memory & changes in behavior

difficulty in swallowing, walking and speaking

As of now, no medications exist which could specifically cure mixed dementia among the elderly, even though folks with such a condition might respond well to medicines suggested for treating Alzheimer’s disease.

Risk Factors

Day to day lifestyle that includes but aren’t restricted to workout and smoking.

The place and circumstances where family members spent their childhood.

Also, there’s a specific test which can be used for determining if a person has some changes in their gene which could be related to familial Alzheimer’s, with the progression when the person is in their 30s to 60s; there isn’t an examination for the late onset of Alzheimer’s disease that normally develops when an individual is in their mid 60’s.

Medicare and Mixed Dementia:

Medicare may normally help you cover medical services that are suggested by doctor who accepts Medicare patients. You may still be required to pay for out of pocket expenses that Medicare does not cover. Nevertheless, with Medicare supplement plans, it is possible to cover the additional costs through a fixed monthly premium.

Heart Diseases in Seniors: Things to Remember

Heart Diseases in Seniors: Things to Remember

It may come as a surprise to most, but the fact is that heart problems may occur even in those people who tend to work out on a regular basis and follow a healthy diet routine. Certain changes in the functioning of your heart as you age might increase the odds of heart issues. Nevertheless, you can find some ways which can support the health of your heart in the long term.

Age-associated changes

Although the rate of your heart-beat is unlikely to change with rising age, the ability of your heart to beat at a quicker pace during stress or physical activities does. Heart ailments might also develop due to the deposition of fats in the arteries which becomes more and more common as you age. However, the most typical age-associated heart change is solidification of the arteries that results in increased blood pressure.

It’s crucial that you check your BP levels on a regular basis even if you might be feeling well.

Additional age-associated heart changescomprise arrhythmias – this basically modifies the electrical mechanism of yourheart. Arrhythmias might result in the patient’s heart beating too slow, toofast or at times even cause irregular heart-beats. Quotes for a 2019 supplement plan are available at

With rising age, the valves could also become stickier & thicker which might affect the flow of blood out of the heart resulting in accumulation of fluids in the abdomen, legs, or lungs.

Atherosclerosis, a common heart problem may arise as a result of the accumulation of fats in the walls of your arteries. The accumulation of fatty plaques hinders the regular flow of blood and also minimizes the delivery of oxygen to important organs in your body. Depending upon the organ where an insufficient flow of blood occurs, it might cause leg pain, stroke, and even heart attack.

A regular checkup is essential since most heart-associated diseases don’t show any signs or symptoms while they’re in their initial stages.

A few symptoms which a person might experience whilst the disease is advancing include:


Pain in the chest while performing a physical activity which gets back to normal during rest

Pain in areas like arm, jaw, neck or shoulders

Swelling in the feet, legs, neck, ankles, feet or stomach

Medicare and Health Screenings:

Medicare does cover preventive screenings at no extra cost, but seniors without Medicare supplement plans might be required to pay Part B copay, coinsurance & deductible.

Even for preventive services which come at $0, you’ll be required to pay out-of-pocket expenses in case the examination needs a diagnostic testing, biopsy, or further testing. Like we mentioned previously, you can consider supplemental plans to cover out of pocket costs along with any co-insurance, co-pays, and deductibles which aren’t covered under Medicare.

Original Medicare, Part A and B vs. Medicare Supplement Plan

Original Medicare, Part A and B vs. Medicare Supplement Plan

You must sign in to Medicare Part Aand B to enroll in a Medicare Supplement Policy. Try a Humana advantage plan at

According to the Kaiser Family Foundation, approximately one in five Medicare beneficiaries is included in a Medicare supplement policy. These plans, also known as medigap plans, are provided by private companies and can help cover the costs relating to Original Medicare, such as co pays, co insurance and deductibles.

What does a Medicare supplemental plan cover?

In many states, Medicare supplemental plans are standardized and labeled with the letters A to N. It means that, for example, the standard coverage under the Medicare Supplemental Plan B is the same for everyone who chooses this plan, irrespective of the state of residence or the insurer. However, insurance companies may include additional benefits in the policy.

It is important to know that Medicare Supplement B is not identical to Medicare Part B. Each Medicare Standardized Supplemental Policy A to N has a different level of coverage, although all of these plans cover the costs of Part A Co-insurance and full hospital insurance 365 days after the expiration of your Part A and B benefits. of Medicare and part or all of your Part-B co insurance, Part-A-Hospice and the first 3 pints of blood.

The different standardized plans contain different degrees of coverage. Two plans (Medicare K and L Supplemental Plans) also provide annual limits on your expenses.

Minnesota, Massachusetts, andWisconsin have their own standardized Medicare supplemental plans.

A Medicare supplement plan generally does not cover expenses that are not covered by Original Medicare, such as long-term care, dental or vision protection, hearing aids, and private caregivers. However, some plans cover the cost of medical care if you travel to a foreign country to the limits that do not generally meet Original Medicare.

Medigap plans are not designed to function with Medicare Advantage plans.

When can I purchase Medicare supplement plans?

If you wish to receive coverage for the Medicare Supplement, you can enroll during your 6-month open enrollment period. It begins the first month you are either age 65 or older and registered in Medicare Part B. Within this period, you can choose any supplementary Medicare plan provided in your state, irrespective of your health status.

After the open enrollment period of Medicare supplement, the insurance company can consider your health status and choose not to sell you a policy or charge higher premiums due to your health situations.

Bear in mind that if and want Medicare supplement coverage and you are married, your spouse will not be covered by your insurance policy and vice versa.

Can my Medicare supplemental plan be canceled?

It is guaranteed that standardized Medigap Plans will be renewable whenever you make your monthly premium payments. This means that your insurance will not let you down in most situations, even if your health changes drastically.

However, your company may cancel your plan in some situations; for instance, if the insurance company requests bankruptcy.

Oral Health Tips for Senior Citizens

Oral Health Tips for Senior Citizens

Regular dental checkups

Regular dental checkups and ensuring healthy gums are an essential part of your oral health. In case you are not able to effectively get rid of the bacteria (also known as the plaque) from teeth, it might cause tooth decay and sore gums. At times, the infection might even have a negative impact on your bone. In case you see your gums bleeding while brushing your teeth, a dental checkup is recommended. Also feel free to discuss with your dentist about any other oral issues you might be having like bad breath or loose teeth since these could also be the potential indications of a gum disorder.

Avoid foods that are too hard to eat

In order to make sure your teeth stay in the best shapepossible even in your older age, avoid intake of hard foods or chewing ice.Both these things might create affect the enamel & might even result inbroken teeth. If you’ve got a habit of grinding your teeth while you’re asleep,your dentist might suggest you preventive measures like using a night guard. To enroll in a 2019 medicare advantage plan visit


medicare advantage plans 2019

Tooth decay, gum issues, worn enamel may all increase the sensitivity of your teeth, and you might experience pain while doing regular stuff like eating, brushing your, drinking items that are too cold or hot. Also, you can ask your dentist to suggest you a good toothpaste which can help minimize the problem.

Avoid foods that are acidic in nature

Restrict the consumption of acidic foodstuffs that may degrade your enamel including citrus juices and fruits, foods containing starch or sugar and fizzy drinks. In case you would like to eat them anyway, consider having cheese or milk which can help neutralize the effect. Also, try to add starchy or sugary foodstuffs during your meal times & not as snacks.

Dry Mouth

Issues like dry mouth might be caused due to the side effects of certain medicines. In case your physician suggests that you need to continue with these medicines anyway, try drinking lots of water. Chewing gums along with products that help create artificial saliva might also help.

Oral Cancer examination

Medicare does pay for annual medical checkups which can help you identify deadly diseases like oral cancer while it might still be in initial stages. If you would like to cover your total costs of these checkups along with out of pocket costs, we suggest you check out Medicare supplement plans.

Lemon Water Health Benefits for Seniors over 60

Lemon Water Health Benefits for Seniors over 60

Lemons, in addition to being a great addition to cooking & baking are also recognized to offer multiple health advantages to your body. Lemons contain lots of minerals and vitamins that are crucial for the production of collagen, recovery of wounds, improving the immune system, and elimination of various bacteria and viruses that might prove harmful to your body. Besides, lemons are a natural source of antioxidants that assist your body in fighting harmful free radicals from your body.

1. Freshly prepared lemon water, particularly if you take itbefore anything else during the morning period can offer relief or even helpprevent several digestive issues such as gas, heartburn, bloating, etc. andencourage better digestion. For better health get a advantage plan at

2. Lemons can act as an antiseptic since they contain strong cleansing agents which support kidneys, liver, as well as blood cells. If you overwork your liver, it might how you feel. By taking lemon water each morning, you’re likely to experience a huge difference when it comes to your energy levels after some time.

3. A morning lemon water can also provide your body with the required amount of vitamin C. Lemon water also packs folate & essential minerals like calcium, magnesium & potassium.

4. Lemon water can help get rid of waste material thus preventing diseases like diarrhea or extreme constipation.

5. Lemon is also known to be beneficial in enhancing your skin tone. The high content of vitamin C in lemon provides your skin with cleansing, antibiotic, antioxidant as well as detoxifying effects which are vital for an improved skin tone.

7. Lemon water even contains limonoid glucosides which is basically a flavonoid compound which might offer anti-carcinogenic effects according to some studies.

8. Lemon assists in the production of bile inside your lever which enables better digestion of unwanted body fats. Thus, senior citizens who are looking to reduce unwanted weight or fat on various parts of their body might want to consider lemon water as an additional source of natural weight loss supplements.

9. Lemon contains antibacterial agents which are effective in getting rid of the infection in the throat area. Thus, in case you’re experiencing a sore throat, consider sipping a warm lemon drink after every few hours.

That said, if you are having a lemon water every morning you’re probably unlikely to get one in the first place.

Medigap Insurance:

Medicare supplement plans also known as Medigap plans can help elderly cover expenses such as co-payments, co-insurance, & deductible that Part A and B (Basic Medicare) does not cover. Thus, if you’re considering a supplemental coverage, Medigap policy can definitely prove advantageous.