How To Successfully Choose Medicare Plans

Published on: 29 August 2019 Last Updated on: 31 January 2024
medicare plans

You must first decide which plan you want when you are deciding to compare Medicare plans. This means deciding whether you want Original Medicare or if you would like a Medicare advantage plan. Original Medicare includes part A, which is hospital insurance, and part B, which is medical insurance. These plans are provided by Medicare and will give you your choice of hospitals and doctors, as well as other providers. You will typically have to pay for a monthly premium, with plan B. After choosing one of these plans, you may decide if you want part D Medicare, which is prescription drug coverage.

How To Successfully Choose Medicare Plans:

Medicare Part A

This is hospital insurance. Everyone who is eligible receives this portion. Medicare hospital insurance covers inpatient care. Inpatient care includes hospitals, skilled nursing facilities, and care, hospice facilities. Some home health care is also included. Long-term or custodial care is not covered by Part A. Most people do not have to pay a premium for this portion of Medicare.

Medicare Part B

This is medical insurance. The purpose of this portion is to cover medically necessary services. These include doctors’ services, diagnostic tests, outpatient care, physical therapy, and some preventive screenings. Does Medicare cover hearing aids? If you have this question on your mind, this is the plan you need to go for. Part A does not cover these services, even if you are in the hospital. Medicare Part B is optional and you have to pay a premium.

Medicare Part C

This is otherwise known as Medicare Advantage. With C, you get at least the same coverage as you get with parts A and B combined. The difference is a private insurer has contracted with the government to take over the administration of your benefits. Your benefits are provided by the insurer, and you pay your premiums directly to this insurer. You can choose Part C in lieu of A and B, but you still pay the Part B premium.

Medicare Advantage is similar to Medicare supplemental insurance in that it covers the gaps left by Medicare. You chose one or the other. The difference is that the Advantage program pays instead of Medicare and supplemental insurance pays after Medicare pays.

Medicare Part D

This is prescription drug coverage. This is usually approved and certified by the Centers for Medicare and Medicaid Services as this is well offered by private companies. It is optional and requires you to pay a premium directly to the private insurance company.

Medicare helps defer the costs of health care for seniors and those with certain disabilities. The plan initially consisted of simply hospital insurance. It later evolved to pay for medical services and prescription drugs. This evolution had created four parts of the plan. Part A, B, and D are all about different facets of coverage. Medicare Advantage plans (Part C) are really a replacement policy for A, B, and D where you pay a private insurer.

If you do not want original Medicare, your other option, while you compare, is to choose a Medicare advantage plan. These may include a PPO or an HMO plan. Part C of Medicare includes both part A and part B, meaning you will have medical insurance and hospital insurance. If you choose this coverage, you will have access to private insurance companies that are Medicare-approved. Depending on your plan, the costs, rules, and extra coverage vary. You will usually pay a monthly premium in addition to the premium you pay for part B, as well as coinsurance and copayment.

You may choose drug coverage for either plan when you compare each of these plans. For original Medicare, you are required to choose a prescription drug plan, which is run by Medicare-approved private companies. If it is not offered by your plan, you may choose to join a prescription drug plan offered by Medicare. For advantage plans, you do not need a Medigap policy. If you already have one, you cannot use it to pay for out-of-pocket expenses that you have under your advantage plan.

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I enjoy writing and I write quality guest posts on topics of my interest and passion. I have been doing this since my college days. My special interests are in health, fitness, food and following the latest trends in these areas. I am an editor at Content Rally.

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Why City Living is the Healthiest it’s Ever Been

City living hasn’t always been dubbed as a healthy choice. However, it appears things have changed dramatically in recent years. These days, city living is healthier than it’s ever been. Thanks to a dedication to getting people happier and healthier, steps have been taken to improve city life. Here, we’ll look at why it’s become a healthier option to live in the city. Companies have started to encourage healthier living : In the past few years, businesses have started to see the benefits of encouraging their employees to lead a healthier life. These days, over 90% of business leaders know just how important wellness is to the productivity of their employees. After all, the healthier an employee is, the less likely they’ll be to take time off sick. They will also have bundles more energy, making them far more productive than if they were to lead an unhealthy lifestyle. So, how exactly are companies encouraging healthier living? Well, some provide exercise classes during lunch. Others offer meditation and counseling to protect an employee’s mental health. There are a lot of ways companies are striving for a healthier workplace and it’s really starting to pay off. Cities have begun adopting green spaces and cycle lanes : The cities themselves have also become healthier. Authorities are investing in greener areas, as well as adding more cycle lanes. While the reason behind this is largely down to protecting the environment, it has ultimately led more people to become healthier. At one time, traveling by car was the way to get to and from work. However, as more awareness has been raised about the impact cars are having on the environment, more people than ever before are choosing to ditch their cars and invest in bicycles instead. The introduction of more cycle lanes has encouraged more bicycle stores such as Brompton, to open up in new city locations. If you take a look at some of the happiest and healthiest places in the world, you’ll see the majority of them use bicycles as their main form of transportation. Is it a coincidence? Absolutely not! Staying active and cycling around rather than driving, really helps to keep you, fitter, while also doing wonders for the environment. Fitness is now actively encouraged : Fitness has become extremely popular in recent years. Within cities, you’ll find a huge range of exercise classes, healthy dine-out options, and healthy activities to partake in. People, as a whole, want to get fitter. Social media has played a large role in the fitness industry boom. Fitness gurus have become extremely popular, encouraging people to get healthier and sign up for local gyms and fitness classes. So, those looking to stay fit and active have plenty of options in the city. Cities generate more social interaction : Another more indirect reason people are healthier in cities is that they experience much more social interaction than those living in the country. This is especially true for those living within an inner-city environment. Social interaction has a strong connection to mental health. Those who do not interact regularly with people, tend to be more depressed, lonely, and anxious than those who do. Of course, the more people there are to interact with, the more active you’re going to be. So, city living helps to improve both physical and mental health. The above is some of the main reasons cities have become healthier. It’s come hand in hand with environmental protection as people strive to reduce their impact on the environment. Millennials, in particular, are becoming healthier, largely down to the recent campaigns over getting fitter and leading a healthier lifestyle.

Mental Health Checks

The Importance Of Mental Health Checks Following A Truck Accident

Truck accidents can have severe physical consequences, but it's important not to overlook the potential impact on mental health. The conclusion of a truck accident can be emotionally traumatic, leading to a range of mental health issues. This blog post emphasizes the importance of mental health checks following a truck accident. We will explore how to recognize if treatment is needed, common symptoms of mental health issues, the importance of seeking treatment, and the types of mental health treatment available in North Carolina. Truck accident survivors can take an important step toward healing and recovery by prioritizing mental health checks and seeking appropriate treatment. How Do You Know If Treatment Is Needed After A Truck Accident? After experiencing a truck accident, the focus is often on assessing and addressing physical injuries. However, it is equally important to recognize the potential impact on mental health. Unlike physical injuries that may be immediately evident, mental health issues following a truck accident can often go unnoticed or be overshadowed by physical trauma. It is best to be aware of the signs and symptoms that may indicate the need for mental health treatment. Individuals can take proactive steps toward healing and recovery by recognizing these indicators. Common signs that treatment may be necessary include: Emotional Distress: Feelings of fear, anxiety, depression, or sadness that persist beyond the initial shock of the accident. Sleep Disturbances: Difficulty falling asleep, staying asleep, or experiencing recurring nightmares related to the accident. Flashbacks or Intrusive Thoughts: Vivid and distressing memories of the accident that intrude upon daily life and trigger anxiety or panic. Changes in Behavior: Abrupt changes in behavior, such as withdrawal from social activities, increased irritability, or reckless behavior. Difficulty Concentrating: Struggling to focus or experiencing memory problems that interfere with work, school, or daily tasks. Physical Symptoms: Unexplained physical symptoms, such as headaches, stomachaches, or muscle tension, which may have psychological origins. Remember that these symptoms can vary individually, and seeking professional help is recommended if any signs of mental distress persist. Additionally, you can get a free consultation from Whitley Law to discuss the steps you should take following a truck accident. PTSD Following A Truck Accident In North Carolina, individuals who have experienced PTSD following a truck accident have access to various types of mental health treatment options. These treatment modalities aim to address post-traumatic stress disorder's specific symptoms and challenges. One commonly utilized form of treatment is psychotherapy, which involves working with a licensed mental health professional to explore and process traumatic experiences, thoughts, and emotions. Cognitive-behavioral therapy (CBT) is often effective in helping individuals with PTSD identify and modify negative thought patterns and behaviors contributing to their distress. Eye movement desensitization and reprocessing (EMDR) is yet another evidence-based therapy focusing on desensitizing distressing memories and replacing them with more adaptive information. Under a psychiatrist's guidance, medication management may also be utilized to alleviate symptoms such as anxiety, depression, and sleep disturbances associated with PTSD. Additionally, support groups provide a valuable platform for individuals to connect with others who have experienced similar trauma, offering validation, understanding, and shared coping strategies. The Importance Of Seeking Mental Health Treatment Following An Accident Seeking mental health treatment after a truck accident is crucial for several reasons. Firstly, untreated mental health issues can worsen over time, leading to chronic conditions that impact overall well-being. By addressing these issues early on, you can minimize the long-term effects on mental health. Additionally, mental health treatment can provide coping strategies to manage trauma-related symptoms and facilitate healing. Psychotherapy can help you process your emotions, develop coping mechanisms, and regain control over your life. Seeking mental health treatment can play an important role in supporting legal claims. Documentation of mental health treatment can strengthen a personal injury case by providing evidence of the emotional impact and the need for compensation. The Types Of Mental Health Treatment You Can Attend In North Carolina North Carolina offers various mental health treatment options for individuals seeking support after a truck accident. These options include: Psychotherapy: Working with a mental health professional to address and manage the emotional and psychological impact of the accident. Medication Management: Manage symptoms of depression, anxiety, or other mental health conditions. A psychiatrist can evaluate the need for medication and monitor its effectiveness. Support Groups: Joining a support group can provide a safe space to connect with others who have experienced similar traumatic events. Sharing experiences, insights, and coping strategies can be beneficial in the recovery process.  Rehabilitation Programs: For individuals struggling with substance abuse or addiction that may have developed as a coping mechanism, rehabilitation programs can offer comprehensive support and treatment. Holistic Therapies: Complementary therapies such as yoga, meditation, acupuncture, or art therapy may also be beneficial in promoting mental and emotional well-being. Get Your Health In Check After a truck accident, the focus is often on physical injuries, but it's essential not to neglect your mental health. Recognizing the signs that treatment or counseling may be needed, understanding the importance of seeking help, and being aware of the mental health treatment options available in North Carolina are key steps toward healing and recovery. Individuals can address trauma-related symptoms by prioritizing mental health checks, developing effective coping strategies, and regaining control over their lives. Seeking professional help is a mark of strength, and support is available to help you navigate the emotional aftermath of a truck accident. Read Also: 10 healthy Habits to improve your health How To Take Care Of Your Mental Health Living Healthily | Six Crucial Lifestyle Tips for College Freshmen


Spirulina: The Complete Plant Based Protein Source | Health Benefits

Spirulina is one of the oldest life forms on earth known for the longest as an endurance booster. It is in fact among the most popular health supplements in today’s time considering it is one of the first plant-based foods in the human diet. Surprising right? But what actually makes this ingredient a star among the ‘complete protein’ plant-based food sources? And does it even stand up to the fame it receives? Well, here’s our effort to give you evidence around spirulina’s health benefits and the status it holds. Spirulina: The Nutrient-Dense Food Spirulina happens to be a superfood high in many nutrients. Let’s have a look at its origin? A type of cyanobacteria, originally from the family of single-celled microbes known as the blue-green algae. This is an organism that grows both in fresh and saltwater What makes it plant-based is its ability to produce energy from sunlight through photosynthesis. Lesser-Known Fact: Spirulina gained massive popularity when NASA used it as a dietary supplement for astronauts on space missions. Really cool right? It has to be its ability to regulate immune functions and its anti-inflammatory properties which take place by the release of histamine by mast cells. What about the ideal dosage? One can opt for a standard dose of 1-3g of this green superfood but this can go up to 10g per day. Here’s a look at the nutrient profile of 10g of dried spirulina powder: Protein: 5.7 g Vitamin B1 (thiamine): 22% of the RDA Vitamin B2 (riboflavin): 33% of the RDA Vitamin B3 (niacin): 9% of the RDA Copper: 68% of the RDA Iron: 15-16% of the RDA Calories: 29 Carbs: 2.0g Moreover, this superfood actually includes almost some amount of every other nutrient that you need along with an optimal amount of magnesium, potassium, and manganese. Here’s a suggestion! If you are looking to skip eggs, spirulina could be a great replacement for a comparable amount of protein considering it also has all essential amino acids required by the body. Spirulina: The Powerful Antioxidant With Anti-Inflammatory Properties As we mentioned earlier, it is because of the anti-inflammatory properties that even NASA considered it as a superfood for astronauts. Here’s what you need to know! Chronic inflammation happens as oxidative damage harms our DNA and cells, resulting in diseases sometimes as lethal as cancer. The presence of antioxidants in spirulina help protect against this oxidative damage. Interesting fact: The antioxidant substance ‘phycocyanin’ happens to be the main component and gives spirulina the unique blue-green color. Health Impact Of Spirulina: A lot of people are using this superfood that can improve heart health further reducing risks of heart diseases. For those of you who aren’t aware of its powerful health benefits, studies on spirulina have shown that it lowers “bad” LDL cholesterol and Triglyceride Levels. It also increases “good” HDL cholesterol impacting heart health in a positive way. Let us provide scientific evidence to build your trust- Although most studies have shown favorable results mainly with a dosage of 4.5-8g per day yet, A study was conducted on 25 people who were suffering from type 2 diabetes. It was later discovered that only 2g of spirulina per day, significantly showed a reduction in the blood sugar levels. There was another study on people with high cholesterol which determined that 1 g of spirulina per day resulted in lowered triglycerides by 16.3%. Furthermore, there was a reduction in the “bad” LDL by 10.1%. In addition, research has shown that spirulina may have anti-cancer properties and is especially effective against a type of precancerous lesion of the mouth called OSMF. Spirulina May Improve Muscle Strength & Endurance: Often experience muscle fatigue when exercising? The reason is exercise-induced oxidative damage. People into fitness and athletics consume plant-based foods with antioxidants to minimize this damage. Few studies emerged showing spirulina as food for significantly reducing the fatigue time and improving muscle strength and endurance. Can Spirulina Reduce Blood Pressure? Heart attack, strokes, and chronic kidney disease are some of the serious diseases driven by high blood pressure. An optimal amount of spirulina for e.g. 4.5g-8g per day has shown to reduce blood pressure in individuals with normal levels. What might be the possible reason behind this reduction in blood pressure? Spirulina leads to an increase in the production of nitric oxide (that is otherwise massively produced by plant-based sources like beetroot which are rich in nitrates that convert to nitric oxide) leading to a lowered blood pressure. Nitric oxide is a signaling molecule that aids blood vessels to relax and dilate, positively affecting blood levels. The Final Verdict: Spirulina’s title as a superfood that is ‘nutrient-dense stands true along with the crazy health benefits it has to offer. As mentioned above, spirulina suppresses oxidation while reducing blood pressure and lowering blood sugar. It also improves blood lipids and may have anti-cancer properties. One can simply consume spirulina in tablets and powder form. There are supplements widely available and used for their amazing health benefits. If you want the goodness of spirulina along with other green vitamins then you can check out bGreen's super greens and fruits that help you bridge the daily gap in your nutrition. Read Also: Living With Diabetes – What are the Possible Complications? Why is a random blood sugar test prescribed? Top Health Benefits Of Drinking Beer According To Experts Are CBD Lotions Good For Your Skin?