Medicare Pros and Cons: Everything You Need to Know before Enrolling

Published on: 16 February 2019 Last Updated on: 08 August 2019
medicare pros and cons

Given that more than 40 million Americans benefit from what Medicare has to offer, there are many ways for older adults to stay healthy. Those with disabilities or who might be on the edge of the income limits should know the Medicare pros and cons before enrolling. There are plenty of reasons to choose Medicare or something else, so you need to know what suits your lifestyle.

Here are some of the most common pros and cons that people bring up when they’re struggling with this decision.

Pro: Coverage for the Uncovered:

One of the reasons that Medicare is such a powerful coverage tool is that it has offered coverage to millions of people who didn’t have it.

With this program, elder adults are covered and protected from medical catastrophes. With only half a million seniors uninsured from year to year now, it’s made it so that almost no one over 65 has to live without protection.

Because Medicare is for those who need it and have little means, it helps keep more Americans protected than ever.

Without it, elderly Americans would be forced to pay for medical treatment they couldn’t afford. Older people tend to need the most medical care, and so it’s vital that they have affordable and manageable care. Since elderly Americans are often retired, they don’t have the means to keep up with rising medical costs.

People with disabilities get help under Medicare to pay for the challenging costs of care. Without this aid, they would be dependant on caretakers and stuck with few options for care.

Con: There Are Massive Costs to Cover It:

Put all the costs of Medicare together and you’ll find that it costs nearly half a trillion dollars. While this might be a hard figure to quantify, it ends up being 15 percent of all of our federal spending. It’s only going to continue to grow in the future.

While there are several items in the federal budget that we don’t question the cost of, this is one we have to consider in a realistic sense.

The costs of medical care are constantly climbing ever higher and leading to insurmountable bills for the average American. Without any intervention by the federal government, the cost of healthcare and the cost of providing programs like Medicare will take a big cut out of taxes.

Without Medicare, we would have a much bigger tax base. However, we would have people who are constantly sick and in need of care, clinics that are filled to the brim, and elderly people who had no way to care for themselves.

While we could do some work to ensure that the money we have is spent more wisely, for now, we can imagine this money going to education or social justice. While it could help with programs to eliminate poverty, ultimately, more than half of bankruptcies are due to high medical bills.

Pro: Get More with Medicare Advantage:

For people who need more medical care than the average person, there are ways to supplement Medicare.

Those people who find that they’re at the limits of their Medicare coverage can sign up for the Medicare Advantage plan. Enrollment in this program is constantly growing and should be a powerful way for people to cover those massive increases in medical fees.

Paying for private insurance is difficult if you’re in the tax bracket eligible for Medicare. It’s also redundant given that so much of what’s covered by the standard medical plan is wrapped up in Original Medicare. However, with the help of Medicare Advantage, there is now a place for a third component that offers what many healthcare recipients need.

The way this works is that insurance companies provide benefits related to what’s missing from Medicare through a contract with the government. They offer them at competitive rates that are affordable to the average Medicare recipient.

People taking advantage of these plans get everything they expect from Part A and Part B of Medicare but then get more dental and vision benefits. This extension provides some of what’s missing in most of the other parts of this program.

Con: Bad Health Is Expensive:

If you’re in poor health, you have an intimate view into just how expensive healthcare is. Even if you’ve got great insurance, you’ve seen the prices that come on the bill before you get your care deducted. You could be paying double or triple what a healthy person pays every year, even with healthcare.

While you need to have great healthcare, you need to do what you can to stay healthy. Talk to your doctor about preventative care. You’re never too old to take action to lower your healthcare costs and your need for supplemental care.

There are many free preventative care programs that come standard with most Medicare plans. However, you need to take action to make sure you follow your doctors’ recommendations and stay on top of your health. Many people who incur high bills with Medicare suffer from problems that preventative medicine could assist with.

Even though this program costs very little from month to month, you need to manage your costs as they’ll add up on a limited budget. If you’re tight on money, Medicare supplements may be out of reach. This makes it all the more vital to staying on the good side of health.

Medicare Pros and Cons Are Individual:

Because everyone has their own healthcare needs and requirements, Medicare pros and cons vary from person to person. You need to get to know what you need and what you might need in the future before you decide on Medicare or any other insurance policy.

As more people suffer more chronic health issues, check out our guide to watch the trend.

Read Also:

Content Rally wrapped around an online publication where you can publish your own intellectuals. It is a publishing platform designed to make great stories by content creators. This is your era, your place to be online. So come forward share your views, thoughts and ideas via Content Rally.

View all posts

Leave a Reply

Your email address will not be published. Required fields are marked *

Related

Weightlifting Ladies

Six Supplement-Free Gym Performance Enhancers for Weightlifting Ladies

In the current times full of hyped marketing claims of what works and brings the results that you so badly desire, you may not be sure of what really works and what does not. Many products promise to help you achieve toned muscles, lose weight and excel in games and competitions, but most of the time those are just marketing gimmicks. A properly balanced diet, regular exercise, and enough sleep are the most important things in achieving fitness goals. In addition, some doses of great steroids, like Clenbuterol, can work to hasten the achievement of these goals. So what are some supplement-free gym performance boosters that ladies who lift can put to use? Read on for a look at the boosters. Sleep Sleep is a great performance booster for ladies who lift, and for other people who work out. In fact, sleep is a crucial part of the training regimen. Sleep performs a crucial role in the recovery of damaged tissues and brings about a healthy immune system, which is very important for people who exercise regularly since working out temporarily weakens immune functions. An adult needs 7 to 9 hours of sleep each night to sufficiently recover and to boost their performance. Also, the production of growth hormones happens while one is sleeping, so good sleep boosts muscle development. Hydration Water consumption is vital for people who are training, as they lose lots of water through sweating. It is ideal to drink water throughout the day and not to wait until one feels thirsty. Women who weightlift get a performance boost by drinking enough water. Drinking sufficient amounts of water is vital in increasing blood volume, cooling the body, thinning the blood, and reducing the heart rate. Being properly hydrated will enable ladies who lift to feel that the workout is easier, hence allowing them to work more intensely and for a longer duration. After-workout snacks, meals, and drinks In the same way as water, post-workout snacks, meals, and drinks are crucial in cases where the participants are working out for more than an hour and at moderate to high intensity. Post-workout meals perform two major functions: They replenish the exhausted glycogen in readiness for the next session or game, and they provide some proteins to aid with muscle repair. Weightlifting women need post-workout meals to boost their performance. Foam rolling This is like another form of stretching. It reduces muscle soreness, thus the participant is able to attend the next session and deliver at other events, such as sports. Group motivation Performing tasks as groups help to raise motivation and thus may boost performance for women weightlifters. They should have their friends and relatives working with them so they can all motivate each other. Setting realistic goals Working toward a goal that has been well defined can help you to continue doing the workouts, even when tired. Lady weightlifters intend to gain throughout the whole season. Read Also :  8 Home Gym Systems You’ll Want To Try Out How To Avoid Getting Bored At The Gym Resistance Bands: The Best Tool For Your Home Gym 5 Common Weightlifting Mistakes Women Should Avoid

READ MOREDetails
Fix Being Skinny Fat

How to Fix Being Skinny Fat

What is skinny fat? The term skinny fat could be very confusing, for how could someone be skinny and fat at the same time? But to make this clear skinny fat people are those individuals who look skinny on clothes but they have body fat which is high and muscle mass which is very low. But they look very soft and flabby underneath those clothes. The question that many people ask is, do you have a struggle in gaining weight and building up your muscles no matter how much are you eating? If despite the fact that you have a skinny look you still have a fat look. In this case, you would be probably suffering from a condition called skinny fat. You should not worry if you have this situation all you need to do is just a little change in your nutrition while you are performing a skinny fat workout. Discussed below is how to fix fat skinny by having a skinny fat workout that helps in losing fat, gaining muscle and having a better look; and also the nutrition and diet which will help you fix this condition. How to Fix Being Skinny Fat: Poor nutrition: As much as we may consider the root source of skinny fat condition as not having the correct workouts the problem majorly stems from poor nutrition. Despite your high metabolic rate junk food, alcohol, having irregular mealtime as well as not having enough sleep makes your body to store unwanted fats. Increase calorie intake: For you to gain muscles, you have to increase calorie intake daily. But as you take this make sure it only comes from natural, healthy sources. If you end up splitting these foods into six times a day instead of the usual three meals a day, it will ensure that your metabolic rate is consistent. If you are taking alcohol, then it may jeopardize your ability to fix to be skinnyfat. Once alcohol is in your body, then your body will store a lot of fat as alcohol needs to be processed first Skinny diet plan: As mentioned above diet plays a critical role in losing weight thus you can not only rely on a good workout plan but also a diet plan. If your diet is not good enough, then your body may not be able to lose the excess fat. Below is a good diet plan that will help you fix the skinny-fat condition. Cut the crap: Anything fancy is no requirement for your nutrition. just cut out anything that is not natural, deep-fried food and any junk food such as chocolate and cakes. It is not that you should not completely take them but instead reduce the amount and the number of times you take in a week. Reduce carbohydrates: A diet that is lower in carbohydrates will assist you to lose weight very fast. It is preferred that you should take fewer carbohydrates since your body is still in need of it and also it is the source of fiber. As you take this, you just need to be smart about it. Fruit and veggies: Some fruits and vegetables such as potatoes contain carbohydrates, but they have a wide range of nutrients that your body needs. You should take at least two pieces of fruit each day and at least five servings of vegetables. Water: If there is something tough to do is taking the required amount of water each day. You should have a record of the amount of water you taking each day to try taking the minimum requirement of 2 liters a day. Skinny fat workout: In the case that you have sorted your diet out then its time to have started performing exercises in your skinny fat diet or workout to ensure that you have muscle growth in the shortest time possible. You should perform these workouts three times a day ensuring that you have a break after every session. The most preferred exercises are squats, maxi climber, treadmill among others. They are considered essential in building up your muscles since they work for multiple muscle groups at the same time. Skinny fat workout plan: If you want to fix the skinny fat condition and get results as soon as possible then below is a recommended workout plan. It is always good to have a proper plan for with it you are likely to stick and be consistent. 1-2 days of high-intensity workout training: As mentioned above the workouts should not take much of your time. You should not have them overdone for they will make your legs be over muscular. 1-2 days rest: The most important thing to give your body is time to rest and also time to recover your muscles. Doing an excess training may make your body hold onto excess fat. So in a case where you are having a feeling that your body needs some rest then think twice you just need to rest. If you follow these well, then your skinny fat condition will be fixed in a very short period. Read More :  Bolstering The God-Doctor-Patient Relationship: Expedites Healing Who Can Benefit From The Elliptical? The 5 Best Herbal Remedies To Treat Acne

READ MOREDetails
Health Benefits Of Taking Daily Showers

Top 5 Health Benefits Of Taking Daily Showers According To Medical Experts

In the last few years, several health experts have come forward to help us understand the benefits of taking regular baths and showers. With the Coronavirus Pandemic bringing into focus hygiene, cleanliness, and sanitation, taking regular showers is one area that is being recommended by doctors. We all know how a nice, warm kohler luxstone shower can help us ease stresses and worries. There is nothing as soothing and calming as taking a nice long shower after a tiring day of work. In this article, we speak to some of the leading health and medical experts. We ask them about the major health benefits that come from taking showers every day. List of the Top 5 Health Benefits of taking Daily Showers 1. Regular Warm Showers help reduce Blood Sugar Levels Individuals that have high blood pressure and have been diagnosed with Diabetes can benefit a lot from taking warm showers every day. Scientists found that men who had diabetes reported reduces blood sugar levels after taking a hot shower. The number of calories burned was equal to a brisk walk of 30 minutes! This says a lot about the benefits of showers for sugar patients. 2. Helps Open up your Respiratory Tracts If you are someone that is experiencing sore throat, mucus, and phlegm buildups, a nice hot shower can be the answer to your problems. Warm showers and the steam from them have been found to unclog respiratory tracts and provide relief to the body. This is especially true when it comes to clearing blocked nasal passages and airways. Steam is a great answer to issues. 3. Helps in Curing Insomnia If you are having trouble sleeping at night, try taking a nice warm shower just before you hit the bed. The warm shower calms your brain and relaxes stressed tissues and muscles. It helps in removing the multiple thoughts and stresses that are affecting your mind and preventing you from sleeping. Experts recommend taking a warm shower and drying yourself off before bedtime. 4. Is Great for Mental Health Patients Following the last point, warm showers have been found to aid in the reduction of stresses, tensions, anxiety, and depression. The pressure with which the water hits the head has a massaging sort of effect on the brain and its nerves. This helps release positive hormones that curtail stress levels and keep you balanced. Mental health patients should take showers daily. 5. Moisturizes your Skin evenly While some experts state that putting warm water on the skin is not good, others differ in their opinion. Warm water on the skin dries off later, leaving your skin perfectly moisturized. It also helps in opening up the pores to ensure that all the dirt and oily secretions are gone from the face. Just clean up properly and stay at home so that pollution and dirt do not get into the pores. Warm Showers and Prevention from Infections: Is it possible? we began the article by stating how doctors are recommending warm showers to cleanse the body of all infections. At a time when the pandemic seems to be raging in its second wave, it is imperative that one takes all the precautions to ensure that they are not infected. Doctors recommend disposing of the clothes that you have worn outside and taking a warm shower as soon as possible. This helps in clearing the nasal passageways and removing any traces of the virus that might be still there on the body. At a time like this, every member of the family should take a nice warm bath to ensure that they are virus and infection-free. This small trick can go a long way towards keeping your family safe and secure during these troubling times. The Bottom Line Additionally, showers have been proven to reduce muscle cramps and tensions, improve blood flow and circulation in the body and help improve immune systems. If you wish to know more about the beneficial aspects of taking showers, do write to us in the comments section below. Read also: 7 Ways to Kick Off Your Fitness Routine 3 Ways to Connect With Nature and Quiet Your Mind This Is What Happens To Your Body When You Ingest Okra

READ MOREDetails