Medicare MAPD: Loved by seniors, but will it endure?

Medicare MAPD: Loved by seniors, but will it endure?

Harry Truman started the process of establishing a National Health Plan when he asked Congress in 1945 to pass laws. 20 years later, he was the first to sign up under Medicare’s newly enacted law which Lyndon Johnson signed to. The dangers of “socialized medicine” have been debated for 2 decades, and now the US approved the first beneficiaries of Medicare, a program for seniors over 65 or the disabled, and Medicaid, the plan for the needy.

Medicare design focused on two levels of care. Medicare Part A includes hospitals, hospice, nursing, and home care. Part A is cost-free, but most of those who are eligible paid for it during their working hours through Medicare taxes. Medicare Part B covers home health services, medical services, outpatient services, durable medical equipment, and other medical services. Medicare Part B demands a premium that was $ 3 in 1965 and now stands at almost $100 a month.  Find a Blue Cross Advantage plan here

Such claims paid by Original Medicare account for approximately 70% of the total amount submitted by a vendor. Today’s rule of thumb is that Medicare approves 80% of the fees submitted. Of this 80%, Medicare pays another 80%. This amount, for the Medicare member, is approximately 65% ​​of the bill. It is the member’s responsibility to pay for the remaining 35%. There is NO cap on what might be owed. Bankers Life’s first Medigap or Medicare supplement plans were offered in the early 1970s with potential multi thousands of dollars liability to a Medicare beneficiary. The plans covered the additional costs that Medicare A and B will not cover. The Medigap approach was widely accepted by members of the public and soon hundreds of companies offered their own versions of Medicare supplement policies.

Abuses on the market among the agents are “replacing” their own cover on the basis of a better or improved plan or unnecessary sale of elderly seniors to receive a new commission, and in 1992, this led to the unification of Medigap guidelines by the federal government Several policies were banned and all policies offered were standardized. An example is that if a senior enrolls for a plan “F” from company A, that plan would be exactly like a plan “F” from another company B. The buyer only needs to consider the price and service they were expecting but do not need to worry about the different services. This change brought to an end the problem with thousands of plan decisions being made.

Cost shifting, these additional costs, which are not covered by Medicare, have increased prices for Medigap plans. Over time, Medicare reduced the amount that they reimbursed providers, doctors, hospitals, and so on. This meant that the Medigap policy had to pay these new fees, resulting in increased premiums to cover the shifting costs.  The seniors had the effect that their plans became more expensive. Many fixed income retirees felt the economic pressure and cancelled their cover. The irony was, at a time in life when they needed insurance the most, they would have none.

Attend Frequent Health Checkups, immunizations and Screening

Attend Frequent Health Checkups, immunizations and Screening

In some countries, people beyond the age of 65 have a privilege of being offered free medical and health checkups and that means that you don’t need to pay anything to get services. If you are living in such countries where screening for the elderly is free, you need to always take advantage of those services. There are those of us who are enemies with medicines, syringes and even the smell of a hospital check-up bed. If you are that senior who has developed phobia against check-ups, you need to consider the fact that your health in old age matters a lot. It is important to make sure that you attend all the screening, clinical check-ups and screening so as to do away with risks that we might not be in a position to tell. Get quotes at

Benefits of regular check-ups, Immunization and Screening

The first benefit of regular screening is that it gives doctors an opportunity to discover, diagnose and treat some of those illnesses which can be tackled during their early stages. For example, for senior women who have attained the age of 65, mammography is a screening against breast cancer that is always done with the aim of checking whether there is any sign of cancer around the breast area. With such a regular screening, you stand to benefit early diagnosis and treatment. This is the best practice when it comes to handling illnesses affecting the elderly.

Secondly, immunizations for the elderly are crucial due to the fact that it will help you get the right medicine crucial for preventing such diseases a yellow fever and other types of opportunistic diseases. Immunizations are basically meant for enhancing preventions. If you really care about your health, then you need to take advantage of such immunizations even if they go for a little bit of some bucks. All you need to do is attend such immunizations and make sure that you explain to them your health and how you feel at that time.

Thirdly, the elderly screening and immunizations provides the basis in which your health development are to be followed up over a certain period of time. Considering that the elderly are given priority, such regular health check-ups are crucial because it helps health care practitioners to track your health and come up with better ways of helping you manage it. These should not be foregone for anything.

Medical Underwriting: Do You Need It?

Medical Underwriting: Do You Need It?

What is the Underwriting?

Are you thinking of a Medicare supplement policy? You may need one if you are looking for ways to fill gaps in your original Medicare coverage. When Medigap’s open enrollment time has expired, you can purchase health insurance. This is a crucial step to obtain an approved policy. Also, if you switch from a Medicare Advantage policy to a Medicare supplement policy, or if you switch from one Medicare supplement policy to another, this may be another scenario in which you must go through health insurance. While this may seem like a temporary inconvenience, this process can allow you to find a policy that is best for you and save money.

What is underwriting?

Medical underwriting is the process by which private insurance companies receive information concerning your medical history and your mental and physical health. Insurance companies use this information to determine your coverage cost and to decide whether to approve or reject your application. As a general rule, people with a large history of medical problems may need to pay more for their coverage. In such situations, you may not even be eligible for coverage. Existing conditions are also addressed during the subscription process. Companies can issue a coverage waiting period if they have one of these conditions or if it is completely rejected. Get a 2019 advantage plan by visiting

When is underwriting needed?

If you are trying to sign up for a Medicare supplement policy and your Medigap open enrollment period has already expired, you may need to conduct a medical risk assessment. If you try to change Medigap policies, you will have to go through a different situation, as mentioned above, during which you may have to go through the process of underwriting. If you are still in the open enrollment period of Medigap, you will receive a “Guaranteed Issue Right”. It means that you can buy a Medigap policy in your insurance area and insurance companies can’t deny you for any reason related to your medical history. For this reason, no medical underwriting is required during this time.

What happens during the process of underwriting?

Each insurance company has different applications for their Medicare supplemental policies. These applications have a complete list of health problems. These health problems will cover your complete medical history. These include health problems that you have had or currently have.  If you have any of the health conditions, this may lead to an automatic rejection of your request. Some examples include all the important health conditions that can be costly for the insurance company. These include chronic or incurable health problems.

There are also certain medications that could reject your application. As rejected requests for chronic or incurable diseases, these medications often treat incurable or chronic diseases. Often, these medications are expensive for the treatment of carriers, which makes them less attractive for applications.

Avoiding underwritings

If you suffer from serious health problems, you may need to avoid the subscription process. This is possible. If you enroll in a Medicare supplemental policy during your Medigap open enrollment period, the law must require you to accept your policy.

Download These Crucial Apps

These days you can get just about anything done with an internet connection. From getting your laundry done to picking out Medicare supplement plans. Here are some great apps to have on your smart phone to make life even easier on you.

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Task Rabbit is a great app for paying people to carry out special tasks for you. This is especially convenient if you don’t have a car to get yourself around with, or are unable to leave the house for some reason for a period of time. Have then pick up your laundry or dry cleaning, mow your lawn, or fix your plumbing. You can also have them do more time intensive things like go to the grocery store to do your shopping for you. Or have them do tasks as simple as run to Starbucks and pick me up a coffee. Whatever you need done, someone on the app is waiting to help you with it.

Caviar is a food delivery app that is perfect when you don’t feel like cooking yourself dinner and also don’t feel like leaving the house to get it. Most of your favorite restaurants nearby are participating on the app and list their full menus for you to choose from. Order your food through the app and someone will deliver it right to your door. You don’t have to pick up the phone, and you can pay through the app so you don’t even need to have cash you on to pay or tip the delivery driver. Tip the driver right through the app as well.


Park Mobile is a parking app that replaces having to pay the parking meter. In cities that participate with the app, the meters are assigned numbers. You attach your debit or credit card to the app and tell it what kind of car you are driving and what the license plate number is. Then tell it which meter you parked at, and it will allow you to park there without the meter being paid and without you getting a ticket. The app will alert you when the meter is almost up and you can sometimes extend the time on the meter if you are not ready to leave yet. This is extremely convenient so you don’t have to keep running out of the building to pay the meter every so many hours to make sure you don’t get a ticket.

Financial Smart Phone Apps

It couldn’t be more convenient today to manage every aspect of your life with the apps you have right on your smart phone. You now have access to anything you could possibly need to control, from a tiny computer right in your pocket. Instead of researching Medicare supplement plans, take a look at these crucial apps you should be using right now.

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Your finances are arguably one of the most important parts of your life that you always need to be on top of. With practically all of your bank accounts being online today, chances are your bank and any financial services companies you use all have their own apps designed for you to manage your finances from. Simply log in with your account information and you can access your online banking information right on your phone. This is incredibly convenient and you can use it to send money to friends and family or pay bills as needed as well. It’s extremely secure as banks these days have cybersecurity at the forefront of their concerns. Your account and login info are all encrypted and you can safely access your banking information without worry.


Apple Pay is another crucial app when it comes to making payments. With the worries of security surround your debit and credit cards, and the hazards of carrying large sums of cash on you at all times, Apple Pay is another way to transact money digitally right from your smart phone without needing any physical payment instruments on you. Your phone will store your debit and credit card info so you don’t need to have it on you, then use your phone to make a payment at a retail store or restaurant as if it were a debit or credit card. This makes payments incredibly simple and secure.

Other similar payment apps you can use today are Venmo, Zelle, or Google Pay, which all allow you to send and receive money to and from trusted people that you authorize a transaction with. This eliminates the need for physical cash or cash equivalents to be present in order to make a transaction and keeps it all safe and secure for everyone involved. You don’t even need to be in the same room as the people you send money to, it is simply sent over the internet digitally and you don’t need to worry about it anymore. Try using some of these fantastic payments apps moving forward.

AARP Medicare Supplement – What is a Supplement Plan?

Mеdісаrе оffеrѕ hеаlth insurance coverage to іndіvіduаlѕ оvеr thе аgе оf 65, wіth a fеw еxсерtіоnѕ. Eligibility bеgіnѕ thrее months before the 65th birthday. Aеtnа Medicare supplement рlаnѕ give уоu mаnу choices, аllоwіng уоu to tailor уоur рlаn іn a way that bеѕt ѕuіtѕ your medical needs.

Medicare, іn іtѕ original рrоgrаm fоrm, wаѕ nоt іntеndеd to соvеr аll аrеаѕ of hеаlth care. It was dіvіdеd іntо two parts. Part A соvеrеd іnраtіеnt hоѕріtаl stays and brіеf соnvаlеѕсеnсе ѕtауѕ іn ѕkіllеd nurѕіng fасіlіtіеѕ. Pаrt B раіd fоr mаnу оf the ѕеrvісеѕ not соvеrеd bу part A, such as x-rays, vaccinations, dіаlуѕіѕ, аnd mаnу types of оutраtіеnt procedures.

AARP Mеdісаrе supplement рlаnѕ рrоvіdе орtіоnѕ thаt еnhаnсе your existing Mеdісаrе соvеrаgе. Eасh соvеrѕ ѕресіfіс tуреѕ оf оut-оf-росkеt еxреnѕеѕ. This іnсludеѕ the dеduсtіblеѕ аnd mаnу оf thе аѕѕосіаtеd соѕtѕ fоr Pаrt A аnd B. Thеѕе рlаnѕ let уоu сhооѕе any lісеnѕеd dосtоr whо ассерtѕ Medicare.

AARP Medicare supplement Plans 2019There аrе twеlvе standardized ѕuррlеmеnt рlаnѕ, but thеу аrе nоt аll offered in all ѕtаtеѕ. Tо ensure you gеt thе соvеrаgе thаt you nееd, tаkе some time tо find оut what іѕ аvаіlаblе in уоur ѕtаtе. Although рlаnѕ and quotes аrе available оnlіnе, choosing thе rіght соmbіnаtіоn оf рlаnѕ can bе соnfuѕіng.

Mаnу реорlе choose tо make аn арроіntmеnt wіth a lісеnѕеd insurance agent tо make sure thеу undеrѕtаnd what thеу аrе рауіng fоr. The Aеtnа Mеdісаrе ѕuррlеmеnt plans аrе ѕtаndаrdіzеd fоr соvеrаgе, nоt for the price. Aѕ each company hаѕ their own рrісіng mеthоdѕ, it іѕ іmроrtаnt tо shop around fоr thе most соmреtіtіvе rates.  Get a quote for a 2019 supplement plan at

They vary frоm one state tо аnоthеr, dереndіng оn coverage орtіоnѕ and thе соѕt of lіvіng. Each ѕtаndаrd ѕuррlеmеntаl plan іѕ lаbеlеd A through L. Sоmе оf thеѕе рlаnѕ also offer a high dеduсtіblе option, such аѕ F аnd J. Regardless оf thе рlаn selected, thеу аrе required to соvеr сеrtаіn, bаѕіс bеnеfіtѕ.

In addition, thеу оffеr соvеrаgе in a vаrіеtу of аrеаѕ thаt аrе considered “gaps” in the оrіgіnаl Mеdісаrе рlаnѕ. Aеtnа Mеdісаrе supplement options саn bе ѕеlесtеd fоr thе hеаlthсаrе аrеаѕ thаt іndіvіduаlѕ nееd іt most. For ѕоmе, thіѕ means thаt еmеrgеnсу саrе оutѕіdе thе соuntrу is соvеrеd. Fоr оthеrѕ, аt hоmе recovery or additional іnраtіеnt саrе аt a skilled nurѕіng facility is needed.

The twelve standardized programs are аvаіlаblе at dіffеrеnt rаtеѕ, with ѕіgnіfісаnt price vаrіаtіоnѕ frоm one рrоvіdеr tо аnоthеr. It іѕ іmроrtаnt tо thоrоughlу rеѕеаrсh thе орtіоnѕ аnd consider the mоѕt іmроrtаnt fасtоrѕ bеfоrе mаkіng a ѕеlесtіоn.

The Reasons Why The Medicare AdvantagePlans Ratings Must Be Checked With!

The health of a person is definitely a concern that cannot be avoided. And this is absolutely why people do everything humanly possible in order to ensure that it is perfectly maintained.

One must understand that an N number of options are opened in front of them when it comes to the solutions. This is simply one of the biggest reasons why they opt for the health insurances as well.

But then again they must remember that the Medicare Advantageplans definitely are the best things to look forward to.

When selecting a company for the Medicare advantageplans there are various things that you must be looking forward to. But what is one thing that stands out exceptionally? Well, it is none other than that of the company ratings!

These are the things that you must not at all miss out on.

But why are the ratings necessary?

There are various reasons why the people must understand that the ratings are really important. The following are some of the most important of all:

  • They offer an insight into the services:

This is necessarily one of the most important reasons why the ratings are necessary, these ratings speak for the services offered by the company in totality. One must necessarily understand that when it comes to the services, then the people really measure them in accordance to their own perspective. And this is only why they rate the services as well. It is absolutely why the Medicare Advantage plans should be looked at

  • They offer the knowledge of the benefits:

The ratings help the customer determine that what the various benefits of these plans are. One must be thoroughly aware of the profit in order to ensure that they have an idea of the same. This is definitely one of the most important of all the things necessarily. The profits are the main motivation factors for the people. This is one of the most important reasons why the knowledge of the benefits is very necessary. It becomes easier for the people to get through with the best.

  • The ratings are votes:

The ratings are nevertheless, nothing less than votes. A person must make sure that they realize that which of the companies have gathered the most. The ratings make things easy because looking into them is enough for the people is more than enough for the people.

These are some of the most important reasons why the people must have an idea of the ratings of the Medicare Advantageplans. These make things really easy for them.

Overlooked Cooking Essentials

Many people try to make meals with major ingredients, but often overlook the subtle complimentary items that can really make for great meals. When you are eating well and feeling great, you are less likely to need to put those Medicare supplement plans to use. Here are some items to have in your kitchen that you may not be using.


Coconut Oil

Coconut Oil is an extremely healthy oil filled with Medium Chain Triglycerides. There are many uses for coconut oil, many people even use it on their skin as a lotion, but cooking with it is just as healthy and even more delicious. Use it as a cooking oil just as you would with olive oil. Heat a pan with it before cooking your eggs or bacon for breakfast. Use it in your stir fry with chicken and veggies to give it a tropical flavor. You can probably use coconut oil in virtually any dish you make, just give it a shot.


Extra Virgin Olive Oil

Extra Virgin Olive Oil is a kitchen essential. It’s another extremely healthy oil that you can use to fry up your foods with in pretty much any dish you make instead of using less healthy oils like those derived from nuts and seeds. You can even pour it straight over your salad for a delicious dressing, or mix with vinaigrette.


Apple Cider Vinegar

Apple Cider Vinegar is exactly what it sounds like, vinegar made from apples. It’s fairly tasty, as far as vinegars go, and can be mixed with olive oil to make a nice salad dressing. It’s filled with lots of healthy probiotics for your gut health, so you should definitely be adding it to your diet. If you’re daring enough, you can even take a swig of it straight from the bottle.

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Almonds are great to snack on or to chop up and throw into a stir fry or on top of a salad. They are a fairly diverse food and they go well with almost any dish you could make, making for a nice layer of crunch on top of seafood or salad. They are easy to get carried away with if you are not careful.


You can’t forget the seasoning. Salt and pepper are the obvious essentials, but there is so much more to get out of your food by adding chili powder, cumin, cayenne, or garlic powder. Experiment with different combinations and enjoy a new world of flavor.

Considering Medicare Supplement Insurance Options

Cоmраrе Mеdісаrе Supplement Inѕurаnсе Plаnѕ

Most соnѕumеrѕ аrе mоrе thаn аwаrе thаt Mеdісаrе alone is nоt еnоugh tо соvеr аll уоur medical nееdѕ. The subject is іn the news еvеrу day аnd іѕ оnе of thе mоѕt соntrоvеrѕіаl іѕѕuеѕ fасіng thе nаtіоn at this tіmе. Thе Unіtеd Stаtе Gоvеrnmеnt has сrеаtеd Mеdісаrе ѕuррlеmеnt іnѕurаnсе рlаnѕ as аn іnеxреnѕіvе way for сіtіzеnѕ to get bеttеr health coverage аt аn affordable price.

Thеѕе ѕuррlеmеntаl insurance рlаnѕ аrе collectively called “Medigap” рlаnѕ. Aѕ уоu саn guеѕѕ bу thе nаmе, thеу аrе іntеndеd tо сlоѕе gарѕ іn уоur Medicare соvеrаgе. Thеrе аrе twelve of these рlаnѕ аvаіlаblе іn tоtаl, аlthоugh not all twelve аrе аvаіlаblе іn еvеrу state. Thеѕе рlаnѕ аrе аlрhаbеtіzеd frоm Plаn A to Plаn L.

Nоtе that thеу аrе called “рlаnѕ.” Yоur basic Mеdісаrе соvеrаgе соmеѕ іn twо “Pаrtѕ.” Pаrt A іѕ thе оnе thаt comes аt no monthly premium. You muѕt рау a monthly premium for Pаrt B. Thіѕ is important to rеmеmbеr fоr two rеаѕоnѕ.

When уоu dесіdе tо purchase a Medigap роlісу from a рrіvаtе іnѕurаnсе соmраnу, уоu generally hаvе tо fіrѕt buу into Mеdісаrе “Pаrt B.” This is not thе same as Mеdіgар’ѕ “Plan B.” Some реорlе undеrѕtаndаblу gеt соnfuѕеd bу thіѕ.  Get a 2019 supplement plan here

Yоu must аlѕо rеmеmbеr thаt bесаuѕе having Pаrt B іѕ оftеn a prerequisite fоr gеttіng a gар роlісу, уоu wіll be рауіng fоr two ѕераrаtе роlісіеѕ. Whіlе thеу аrе both vеrу rеаѕоnаblу рrісеd, thеу bоth must bе раіd for. Oссаѕіоnаllу, people mіѕtаkеnlу bеlіеvе thаt whеn they purchase ѕuррlеmеntаl іnѕurаnсе thеу nо lоngеr must pay fоr Mеdісаrе Part B.

All оf the Medicare ѕuррlеmеnt рlаnѕ are identical, nо matter whо уоu buy them from. Whеn уоu аррlу for уоur іnѕurаnсе policy, thе first аnd fоrеmоѕt thіng you muѕt dо is сhооѕе thе рlаn thаt ѕuіtѕ уоu аnd уоur situation. Bесаuѕе thе рlаnѕ vary іn features, they also vary іn рrісе. Hоwеvеr, whether уоu choose “Plan A” оr “Plаn L, ” іt wіll nоt necessarily соѕt the ѕаmе frоm every insurance соmраnу. This іѕ a соmmоn mіѕсоnсерtіоn.

This іѕ whу, bеfоrе you сhооѕе your рlаn ассоrdіng to its соѕt, уоu should сhооѕе іt ассоrdіng tо whаt іt оffеrѕ. Onlу thеn аrе уоu іn a роѕіtіоn tо gеt рrісе comparisons. If you dесіdе that you want thе mоrе соmрrеhеnѕіvе “Plаn J” соvеrаgе, it wіll еxасtlу the ѕаmе роlісу nо mаttеr who уоu buy іt frоm, but іt mау nоt cost thе ѕаmе.

If you bear these fасtѕ іn mіnd bеfоrе you рurсhаѕе Mеdісаrе Suррlеmеnt Inѕurаnсе, you will bе in a position tо gеt thе mоѕt іnѕurаnсе fоr the сhеареѕt рrісе. Dо аn intelligent Mеdіgар іnѕurаnсе соmраrіѕоn and ѕаvе.

Blog Ideas to Review

Maintaining your blog can be challenging when trying to find new ideas to write about. Try finding new and different products and services to review. Here are some quick ideas to consider.


Write about Medicare supplement plans as health care and insurance coverage is a very complex issue today. Many people are confused as to what they do and do not have coverage for, and could use a little guidance as to how to navigate those waters. Review different insurance companies and how they handle conditions differently than their competitors.

Review chefs and cooking shows based on how you feel the quality of their content is. If they are always cooking the same boring meals or the things they cook aren’t realistic for regular home kitchens, they might not be a cooking show you want to watch anymore. If you have the chance to visit the chef’s restaurant, give the food an honest assessment and discuss it with your followers.

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Grocery stores are always a great thing to review because in many cities there are so many of them in a concentrated place it’s hard to keep track of the highest quality foods and the lowest prices. One grocery store might be very cheap, but their produce is always bad. Or you find one grocery store with superior quality food, but is always the most expensive food by far. You can also review farm stands and markets nearby. Supporting local businesses is always a great idea and many cities only have farm stands pop up once a week or a couple times a month. Many people might not even know they have a local farmers market event at some point during the week and they are missing out on the freshest and most local food available.


Share your experiences about your local farmer’s markets and try to get the word out about their businesses. If you use their products, make sure you tell your friends and family about how great they were. If you use them on your website somewhere either doing your own version of a cooking show or posting recipes, be sure to give them a special mention in the post for your followers to have the opportunity to get the very same products you use in your posts. If you tag the product or business in your post so that it links to their website or social media accounts, you may find they do the same for you and get special attention for their followers.