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

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:

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.

View all posts

Leave a Reply

Your email address will not be published.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

Related

Fat Burners

5 Best Stimulant-Free Fat Burners

Every year, millions of people start off with a resolution to lose weight and achieve the body that they have always dreamed of. However, by mid-year, a lot of people have already gone back to their usual less-than-healthy routine.With summer approaching though, some people start scrambling to get their body ready for the beach, and so they try fat burner supplements to complement their diet and exercise. It’s not easy to find one that works, and it’s even more difficult to find one that is free of side effects.There are two types of fat burners that you can choose from depending on their effects on your nervous system. The stimulant fat burners contain ingredients that can affect your heart rate and stimulate the nervous system. The non-stimulant fat burners do not have any effect on the nervous system and are usually free of those types of side effects.Read also: 5 Common Weightlifting Mistakes Women Should AvoidMany stimulant fat burners are reported to have negative effects on its users. This type of fat burners typically contains caffeine in large amounts. This ingredient can cause insomnia and anxiety when consumed in excess. Many popular fat burners also contain ephedrine, which is potentially dangerous in large amounts and can increase blood pressure and heart rate. Another side effect is the increased levels of cortisol that can eventually result in anxiety disorders and chronic stress.This is why non-stimulant fat burners can be a better option compared to stimulant based ones. To give you an overview of the benefits of non-stimulant fat burners, take a look at the ingredients usually found in them: CarnitineCarnitine is an amino acid that is usually called L-carnitine or acetyl l-carnitine. The body produces carnitine with the use of lysine and methionine to help in transferring fatty acids to the mitochondria. These fatty acids like triglycerides will undergo the process of oxidation to produce energy. It can also help in storing less fat and burning more calories. Some foods such as animal foods contain this amino acid but supplements have higher amounts of carnitine more beneficial for weight loss. Conjugated Linoleic Acid (CLA)Conjugated Linoleic Acid (CLA) is a natural fatty acid derived from omega-6 fatty acids and linoleic acid. It is commonly found in dairy products as well as meat. But the supplemental CLA is created from safflower or sunflower oil. Due to the presence of linoleic acid, CLA is an essential ingredient when it comes to suppressing the appetite, decreasing body fat mass, and preventing fat production. SesaminSesamin is also called lignin. It is a compound that is mostly found in sesame seed. Oats, flax, and other grain-based products are also good sources of sesamin. Lignin reduces fat storage by increasing the activities related to the metabolism of fat. It is also a known ingredient in many antioxidant supplements. Apart from that, it is also an estrogen receptor modulator that men can consume to maintain higher levels of testosterone. SeaweedsSeaweed may be one of the last things that you will think of when it comes to fat loss. It is not only an ingredient to the food that you eat such as sushi. The carotenoid siphonaxanthin is a xanthophyll present in green algae that can reduce fat. It controls adipogenesis, the process of cell differentiation. This stops fat development in tissues and can reduce appetite. Exogenous KetonesExogenous Ketone is a nutritional supplement that contains ketones. This main ingredient is a compound that is naturally created by the body to produce energy for the mitochondria from fats. Ketones have a small molecular structure that is considered to be a more efficient fuel than glucose. Aside from fat reduction, some of its other benefits include lower heart rate, oxygen consumption and increased levels of cardiovascular endurance.Your choice in the type of fat burner you should use depends on your needs and preferences. You must look at the benefits and downsides of both types. Picking the wrong supplement could cause more problems than expected. Since the non-stimulant fat burners have more advantages than disadvantages for those who are sensitive to caffeine or those with anxiety disorders, it is recommended that you choose these if you have such problems. There is an effective fat burner for everyone!Read also:Tips To Lose Weight Naturally How To Lose Your Weight With Venus Factor 6 Imbalances In Body Hampering Weight Loss Efforts

READ MOREDetails
The Perfect Way for Girls to Unwind and Relax

The Perfect Way for Girls to Unwind and Relax With Their Friends

Whether you want to spend some quality time with your girlfriends or want to spend the weekend having fun, there is so much to do when you are around with your female friends in Brisbane.Probably, your girls’ weekend plan may just be around the corner and you must be planning to sort things out. When it comes to planning a women’s bucket list, the list would probably be a never-ending one. One good way to feel refreshed with your girls would be to book for a mobile spa or a therapist. Girls will never say no to a beauty treatment. The best part about these treatments is that they will be accessible at your location and at your chosen time. Group massages and beauty treatments for you Weekend sorted These days, you get professional therapists who will be ready to come over to your place at the given time. You can enjoy the best of beauty massages and treatments at the comfort of your home. The best part is these services are accessible all across Brisbane, Australia, and at a flotilla of the affordable cost. Beauty packages You can pick and select from a wide number of services. You could opt for facials, foot massages, manicure and pedicure packages, spa gift boxes or even body scrub services and many more. The worry about traveling to the spa is over now. You and your girls will need to relax and curl up after the massage session is over. Be it at home or at a hotel, these services are available anywhere and everywhere. Hen’s party services These professional services have been especially customized and prepared to provide you girl’s complete fun along with the perfect dose of relaxation that your body so much needs. The services that you get are quite budget-friendly. Hence, you do not have to think twice when picking out the kind of beauty service that you prefer. There are packages available for up to four to five hours too. You would have professionals coming over at your doorstep. In fact, there are a few treatments that many companies also offer for free. If you have several friends hanging out, there would be a team of professional therapists accessible, at your service.There are so many kinds of massages available to select from. A few of them have also been mentioned below: Frangipani Relaxation Package Want to get pampered with your girls in the most soothing way? Then, this is the massage treatment you must definitely to pick. In this kind of massage, you would be provided with a deep tissue massage. Not only this, there would be a few services offered for free. Some of them are a mini facial, foot soak and even reflexology. However, these offers could vary from one spa to another. Massages for men too! Girls if you have your boyfriends come over too, you need not worry one bit. These services have something available for everyone. These are massages which will help to relax one’s muscle along with sandalwood scented essential oils. The therapists who would attend the clients are professionals and expert in the area of relaxation or deep tissue massage style. If you want you can even spoil your man by picking one of these services for him.You and your friends can stay at home or a resort together and chill. At the same time, you all would stay worry-free because no one would have to leave after the relaxation session is over.Read More:Yoga For Pregnant Women Proven Ways To Grow Hair Faster And Stronger Best Therapies To Cure Pain And Discomfort Top Simple But Effective Ways To Get Your Eyebrows Thicker How To Remove Acne Scars Naturally

READ MOREDetails
Cannabis

Cannabis can Help in the Fight Against Drug Addiction

The substances contained in cannabis can help those who are addicted to hard drugs to quit their addiction. The first signals about the effects of cannabis on addiction to one form of cocaine appeared relatively early, more than 30 years ago. Dealers smoked it along with cannabis to avoid addiction. Although cannabis is also can be addictive, addiction to rapid-acting crack is much faster and much more serious in effect. Just a dozen or so minutes after firing one dose there is an irresistible desire for another... and another... and the next one... pushing the smoker crack to behave dangerously for himself and others, Risky sexual behavior, the tendency to violence and breaking the law are typical. Tolerance is developing rapidly: crack cocaine addiction requires more and more doses. In addition to acute symptoms such as high blood pressure, heart rate and temperature, nausea, seizures, hallucinations, panic and paranoia, the body can also be destroyed over time, cognitive decline, persistent psychotic conditions, depression, destruction of teeth, lips and mucous membranes of the oral cavity, myocardial infarction or stroke.Research indicates that of the 122 identified cocaine users who want to throw cocaine in this form, they started to take cannabis. In an average of 30 months, these people had 89% more chance to reduce their crack intake compared to the time they did not take cannabis. It also seemed that cannabis made it easier for them to stop using this form of cocaine altogether or to maintain this decision. Without cannabis, only 11% of people managed to stop without cocaine. However, when they used it, crack was not needed by 28%. Although the experiment did not meet the conditions for a clinical trial, its results were considered by specialists to be very intriguing.Animal studies suggest that Cannabidiol (CBD) that’s in the cannabis flowers in various concentrations is the most promising. You can buy it even in countries where Cannabis is still completely illegal, like Poland. It’s sold in form of oils, liquids, chewing gums etc. It has a lot of medical potentials, it can help in depression and many other medical conditions. But most importantly, It is likely to have an impact on the reward system in the brain, reducing the pleasant sensations associated with certain drugs. In rats, this has been proven to be possible.Animal tests show that THC also reduces opiate dependence.THC, the psychoactive component of marijuana, injected into the blood of heroin and morphine-dependent rats, restores the chemical balance in their brains. As a result, rats treated with THC when they were young were deprived of the consequences of using much stronger and more harmful drugs in adulthood. Young rats, taken away from their mothers just after birth, were given powerful doses of THC. Deprived of maternal care, they have undeveloped brains. Neural nets are less developed and rats become more addicted. The effectiveness of THC injections has been proven in such animals. Although in theory, they should become more addicted, the "treatment" with THC resulted in the fact that although they were given morphine and heroin, the addiction did not occur.Scientists hope that this unusual discovery will help create an alternative drug addiction treatment for drug addicts. It is difficult to predict whether, in the future, the social priorities so far regarded as priorities, or whether medical considerations will prevail, and cannabis-based preparations will go to pharmacies. This discovery can be extremely helpful with the recent opioid epidemic in the United States, where doctors prescribed opiates (powerful and very addictive painkillers) to almost everyone, and as a result, Donald Trump had to call it a state of a national emergency.Read Also:Why Cannabis Is Good For Health? Is Outpatient Treatment For Drug And Alcohol Addiction Effective?

READ MOREDetails