Posts Tagged ‘Plan’

What Is The Best Medicare Supplement Plan

Sunday, January 30th, 2011
by Korean Resource Center 민족학교

Best Medicare Supplement

Here’s an easy step-by-step guide to finding the best Medicare Supplement (also referred to as Medigap).

Most people want coverage for what they are paying out of their own pocket for Medicare’s co-insurance, co-pays and deductibles – and they want that coverage at the lowest possible price.

Here’s a secret that could save you a lot of time, money and effort – it’s one of the biggest differences in Medicare Supplement plans. Each insurer can sell the exact same Medicare Supplement plans at a different price!

Medicare Supplement plans are standardized so if you buy Plan F, for instance, from any insurer, you’ll get the same coverage, but you may find it at a much lower price with comparison-shopping.

You can get professional help to compare Medicare Supplement plans from the Medicare planning team at MediGap Advisors. With years of experience in Medicare Supplement insurance, these experts know Medicare Supplement plans and the insurers offering them.

Just call MediGap Advisors at 866-681-7712 to get the answers you need and find the best Medicare Supplement plans. MediGap Advisors can help you sort through the 10 Medicare Supplement plans now available by comparing your situation and needs to the benefits of each plan. They’ll take a look at your biggest health care expenses and show you the best Medicare Supplement plans to protect you from charges that Medicare doesn’t cover.

If hospital care is a big concern for you, you’ll need coverage for Medicare’s Part A ,100 deductible because you have to spend that much out-of-pocket per illness before Medicare pays for hospital bills. You can take care of the Part A deductible with any one of nine Medicare Supplement plans.

If you spend a lot on doctor office visits, you have to meet an annual Part B deductible before Medicare pays for your doctor bills. The best Medicare Supplement plans, the ones with the most comprehensive coverage, reimburse you for the Part B deductible.

Medicare Supplement plans C and F will reimburse you for that deductible regardless of how much it is in any given year.

Medicare pays for 80% of a pre-approved amount for doctors’ services, after the Part B deductible has been met. You can choose from seven of the best Medicare Supplement plans to pay for the 20% that’s left.

Your doctor may charge more for a procedure than Medicare will pay. When Medicare covers 80% of a pre-approved amount, Medigap covers 20% of the same pre-approved amount. Your doctor could charge a lot more than Medicare’s pre-approved amount and leave you to make up the difference.

The best Medicare Supplement plans help with doctor’s excess charges. Medigap Plan G pays for 80% of any doctor charges above what Medicare will pay. For a slightly higher premium, Plan F will cover 100% of these excess charges.

The best Medicare Supplement plans help whenever Medicare doesn’t completely cover your health care expenses. That includes doctor and hospital bills, but it also helps with skilled nursing facilities and even emergency care when you’re traveling out of the country.

If you have to go to a skilled nursing facility, Medicare will cover 20 days of care in a skilled nursing facility following hospitalization. You have to meet your Part A deductible before Medicare picks up the charges. After 20 days, you have to pay for a portion the daily costs from day 21 through 100, but eight Medigap plans will pay your share for those days.

If you travel abroad, Medicare has no coverage at all for any emergency medical care outside of the country. You can travel safely with several of the best Medicare Supplement plans. They will cover 80% of your emergency medical care during the first 60 days you’re abroad, with a 0 deductible.

The best Medicare Supplement plans cover your costs whenever Medicare will not pay.

To find the plan that’s just right for you, list your biggest health care costs and see which Medicare Supplement plans cover those charges for the lowest premiums. After you compare Medicare Supplement plans, compare the prices different insurers are offering on the plan you like most.

You can save a lot of time and effort with free professional advice from the Medicare Supplement experts.

As the nation’s leading independent agency specializing in Medicare Supplement plans (Medigap plans), MediGap Advisors can show you how you can save money with the best Medigap plans that fit your needs and your situation.

Related Medicare Articles

Question by glory: Medicare question: Should I choose a Medicare Advantage Plan or go with Medicare and a Supplement?
I’m turning 65 soon. So I’m faced with a choice: Do I choose to go with Medicare and a medicare supplement plan? Or do I choose a Medicare Supplement Plan such as the AARP United Health plan? Can anyone recommend a supplement with a low monthly premium? Seniors, what is your experience? Any tips you’d like to share?

Best answer:

Answer by mamacedar
I signed up with the one that walmart sells – Secure Horizons by United Healthcare. There are no premiums to pay. I don’t understand how it works, but somehow Medicare pays for it. My only copay is office visit $ 5, Spec/$ 15 and ER $ 50. The phone number on the back of the card is 1-866-579-8774 .

I already had some other health plan which deducted money from my SS check, but there was this ‘sales lady ‘ standing in a booth at Walmart and when I told her how great mine was she said I can give you a policy that has no payment removed from your ss check. She came over to our house showed us all the details, answered all our questions, and we signed up for it. Sounds too good to be true, but so far it has paid everything (including RX) that we have needed.

What do you think? Answer below!

What is The Best Diabetic Diet Plan?

Monday, December 20th, 2010
by aaron schmidt

A diabetes menu planner is very important for people with Type 2 diabetes. That is because Mediterranean Food Pyramid  the foods they eat to be as healthy as possible. The food you eat has a direct impact on your blood glucose, body fat, and overall health. That is why it is so important for diabetics to create a realistic diabetes diet plan. Insulin-resistant people have special Diabetes Diet and Food.

As a Type 2 diabetic, you need to be careful about the excess fat on your body. But, more importantly you need to be careful about the amount of sugar (from sugar added in processed foods, and from starches like white rice or white potato or white bread) that you eat with each meal.

For example, simple starches like white rice may spike blood sugar levels very high, very quickly for a diabetic and non-diabetic. The speed of the rise of sugar in the blood is predicted by the glycemic index rating. So, for a diabetic, eating simple starches like white rice may require careful planning.

People with diabetes must really understand the value of using the glycemic index and glycemic load concepts as important tools for  eating healthy. If you must eat white rice or white potato or white white bread, plan to have protein/meat and vegetables (complex carbs), with a small amount of rice on the plate. Therefore, diabetics should always make good choices of the foods that they eat. Good choices in carbs include what you eat (on the glycemic index list) and how much you eat (as measured by glycemic load).

Diabetes Menu Planner

One of the best ways for diabetics to control the quality of their meals is to plan their diabetes menus. Diabetes menu planning means that you create a menu for the day, week, or even month that you stick to. A good diabetes menu plan will include diabetes snack options that will help to control your appetite as well as different diabetic meal options so that you don’t get bored by eating the same foods over and over again.

We at prefer the Mediterranean food pyramid because it includes more high glycemic index carbs that most food pyramids. Obviously, the larger amounts of food and activities start at the bottom suggesting daily use, and gets smaller as you move up (weekly) toward the top which suggest monthly Diabetic Diet Foods to use.

Diabetes Menu Planning Goals
The goal of every diabetes menu plan should be to ensure that you have a balanced diet with an appropriate amount of:

•    Carbohydrates (45%-65%) – Use more low Glycemic Index carbs than high

•    Proteins (10%-35%) – Keep it lean

•    Unsaturated fats (20%-35%) – Monounsaturated and polyunsaturated

Diabetes menu planning is an also an excellent way to keep track of calories.
The average person should consume about 2,000 calories per day to ensure that their body functions properly and they have enough energy to be active. It is also recommended that the average person consumers about:

•    100 grams of protein (at 4Cal/gram)

•    275 grams of carbohydrates (at 4 Cal/gram)

•    56 grams of fat (at 9 Cal/gram) each day (yes – it is actually important to consume fat – that is monounsaturated fats and polyunsaturated fats from plants and fish). Eat as little saturated fats as possible. Saturated fats mostly come from non-fish animals, like birds, cows and pigs. is dedicated to providing you the tools and diabetic meal plans to help you build your diabetes menu plan. A good Diabetes menu plan will not only provide information that is based on careful research 2000-Calorie-Meal-Plan, but we also provide a range of recipes for diabetes (including diabetes snacks, vegetarian recipes, and even diabetes desserts) that are suitable for any healthy diet.

Check out our Nutrition, and Recipes sections for more information about how you can plan your tasty diabetes menus and live a healthy lifestyle by eating well! Remember, the food choices you make will have a major impact on your blood sugar. Bad food choices will raise your blood sugar, that will cause you to use more diabetes drugs, or make you suffer severe diabetes complications. The choices are yours to make. Prevention is much more pleasant that the cure.

Click Here For: Blood Sugar Meters and Diabetes Diet Recipes

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Question by SereneSerenity: diabetes??
is it possible for a cat to have diabetes? my mom said our cat has it but my mom generally doesnt know what she is talking about.

Add your own answer in the comments!

What Are The Recent Changes in Healthcare and Medicare?

Friday, December 17th, 2010
by Korean Resource Center 민족학교

Despite recent economic strain, US citizens on the cusp of senior status are still springing into action when it comes to purchasing Medicare supplement plans in anticipation of upcoming healthcare needs. With inflation rates and projected healthcare costs continually escalating, it seems as though many emerging senior citizens may need to take extra precautions, in terms of both personal savings and Medicare supplement selection.

A recent study performed by the Employee Benefits Research Institute (EBRI) describes the degree of savings needed to obtain a quality medicare supplement plan:

“…a man retiring this year at age 65 will likely need between ,000 to 8,000 in savings to cover insurance premiums and out-of-pocket expenses during retirement. The differences in dollar amounts are based on the statistical chances of an individual having enough money. In other words, it one wants to be 90% sure of having enough in savings, he would need the higher amount; for a 50% chance he would need at least the lower amount.”

The EBRI study also described the divergence between supplement plans for men and women.

“Because women live longer, they need even more money. A women retiring at age 65 in 2009 will need from ,000 to 2,000 in savings to cover insurance premiums and out-of-pocket expenses in retirement for a 50/50 chance of having enough money, and 4,000 to 0,000 for a 90% chance, said the report’s author, Paul Fronstin, an EBRI researcher.”

Due to these striking figures and countless others, many soon-to-be retirees are reconsidering their options. Instead of shifting directly into a life of leisure, many current 50-somethings are beginning to save their money more scrupulously. This shift in priorities has been understandably upsetting to many, but imperative nonetheless.

The current state of Medicare and the overall healthcare system has made selecting the right Medicare supplement plan more important than ever, and by working with the experts at, you can rest assured that you have gotten the best possible value for your healthcare dollar.

Find More Medicare Articles

Question by Melissa: medicare???
on my pay stub, it says “medicare employee” as a tax. does that mean i have health insurance or is that something they just take out of everyones paycheck??

Best answer:

Answer by Asystole
Its the medicare tax – it’s taken out of everyones check

Add your own answer in the comments!

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