Important Nutrients for Senior Citizens

Important Nutrients for Senior Citizens

  • Vitamin C
  • One of the most important vitamins that we get from food. Although citrus is a major source of Vitamin C, you can also find it in adequate amounts in sweet pepper, cabbage, parsley, apples, black currant, etc.
  • Vitamin A
  • It is necessary for healthy skin, to strengthen the immune system and vision. In addition to the well-known carrots, it is contained in grapes, pumpkin, tomatoes, etc. But an excessive amount of vitamin A can have a negative effects on your body in old age.
  • Calcium
  • Everyone knows the key role calcium plays in strengthening bones. It is found in dairy products. Older women, especially those who suffer from osteoporosis can consider taking calcium supplements. But first, of course, you should consult with your doctor.
  • Vitamin D
  • Our body itself produces it under the influence of sunlight. Vitamin D helps to absorb calcium and phosphorus, which help strengthen the teeth and bones. Some elderly people prefer not to go out in the sunlight. For them, Vitamin D supplements can be suitable for increasing the content of calcium and other minerals. Besides, it can also prevent fractures in seniors.
  • Vitamin B12
  • It is beneficial in improving memory and brain function, strengthening the nervous system as well as immunity. Most of it is found in meat, fish and dairy products. For people over 50, vitamin B12 supplements can be the best solution.
  • Folic acid
  • Helps prevent anemia, which is manifested by a deficiency of iron in the blood plasma. Foods that usually contain it: oranges, beans, peas, spinach, fortified cereals, and bread.
  • Vitamin B6
  • It has a positive effect on the immune system & metabolism. It can be found in eggs, cereals, soy products, honey, etc. Magnesium is a vital mineral that helps control blood pressure, blood sugar level. It can also strengthen the bones in older adults. It can be found in adequate amounts in dairy products, nuts, and spinach.
  • Probiotics
  • Probiotics are useful to everyone, especially the elderly, to improve digestion and absorption of minerals. Sources of probiotics include yogurt, kimchi, pickles, etc.
  • Coenzyme Q10
  • It is produced in the body itself and is highly beneficial for the immune system & the heart. To replenish it, you should add meat, seafood, legumes, grains into your daily diet.

Medigap for Older Adults: 2019 Medicare supplement plans can go parallel with Regular Part A and B Medicare for covering co-insurance, deductible, etc.

Basic Introduction to Medicare Pt 2

Basic Introduction to Medicare Pt 2

Most local employees and newly hired employees that are not insured by social insurance started paying hospital insurance since April 1986. People that are not qualified for Medicare but who are above 65 years of age can pay for a monthly insurance premium. Medicare’s social security entitlement and recipients in relation to rail traffic commences on the first day of the first month in which the individual turns 65 years of age. It is also the day that people who are not qualified for Medicare can become qualified for insurance coverage. People receiving social security or rail benefits are entitled to sickness insurance during the twenty-fifth month following the grant of these benefits. People with renal failure are usually given consideration on the first day of the 3rd month of renal dialysis treatment. Individuals that suffer from Lou Gehrig’s disease have entitlement; if they are have entitlement for social security benefits, without a twenty-four month waiting period.

How to apply

The social security or pension application will automatically activate a Medicare membership of both parties A and B. However, since participation in Part B requires a monthly premium and is voluntary, individuals are offered the opportunity to opt out of a registration for this aspect of the program.A person who is not entitled to Medicare on the basis of social insurance or railroad pensions must submit a separate Medicare application and accept payment of monthly fees. A person may choose not to apply for social security or travel benefits at age 65 and may still qualify for Medicare. In this case, the person must submit a separate application to qualify for Medicare benefits. The claim can be made at any social security office. Recipients of rail retirement must contact the board of the railway to register.

Coverage and Registration:

A person can apply for Medicare 3 months before the first month of eligibility and 3 months after the first month. This period is known as the “initial subscription period”.During the first 3 months of the first registration period, registration will lead to coverage starting from the 1st day of the 1st month when the person turns 65 years of age. Enrollment in the month in which the person turns 65 opens the beginning of the following month. Registration in one of the last 3 months of the registration period will lead to a coverage starting on the 1st day of the second month following the registration month. In addition, there is a “general registration period” that happens in the first 3 months of each year. A person who does not register during the initial eligibility period can only enroll in Medicare Part B during this general period. For late registrations, the person may be required to pay additional fees, unless this is a condition for the elderly. Registration for Part A can be done at any time. Coverage may be retroactive up to 6 months, except for the person who is required to buy Part A.

Basic introduction to Medicare plan Pt 1

Basic introduction to Medicare plan Pt 1

Medicare is a federal government health insurance program that allows all social security recipients over the age of 65 or with a permanent disability. In addition, people who are receiving a retirement pension and those with end-stage renal failure are eligible for Medicare benefits. Medicare should not be misconstrued for with Medicaid. The activities and income of a Medicare beneficiary should not be considered when deciding the benefit or payment of eligibility. Medicare procedures as a federal government program should not have significant difference from one state to another.Medicare coverage is similar to that of private insurance firms: they pay part of the cost of medical assistance. The beneficiary often requires co-insurance and deductibles (partial payment of upfront costs and follow-up costs).

Medicare has two main components of protection: Parts A and B. Part A covers inpatient hospital care, hospital care, hospital care in a skilled care facility and home care services. Part B covers medical care and services provided by doctors and other doctors, home care, durable medical equipment and some home care and services.Part A of the program is funded largely by state taxes on wages paid by employers and employees to social security. Part B is paid for through monthly premiums paid by beneficiaries of Medicare and general federal revenues. Also, beneficiaries of Medicare share a part in the cost of the plan in the form of shared payments and deductibles, need for most of the benefits listed in Part A & B.

An increased number of recipients now fund their health services via healthcare management plans. Medicare Managed healthcare benefits are different from the traditional Medicare fee system for services, but coverage should generally be the same. Generally speaking, a Medicare managed healthcare plan handles the medical treatment of a student (called “caretaker”) who must authorize the referral of the patient to specialized treatment. (For some healthcare plans managed by Medicare, recipients can directly go to a specialized provider of health care for an extra premium without the caretaker’s consent.) A beneficiary can choose to receive insurance and assistance Medicare via Managed Assistance. Once the decision is made, the beneficiary is entitled to receive all his care as part of the health insurance plan. Beneficiaries may change their minds, unsubscribe from their care management plan and return to the “original” health service.

The government currently defines these plans as a “Medicare Advantage” plan. They must offer options to fund Medicare health insurance. Options include “coordinated assistance plans”, which include managed care plans and health savings accounts, the costs of private service plans and other options. Beneficiaries should only sign up for these plans after careful consideration.

Medical approval and turnover

People who are eligible for social security from the age of 65 and those who are entitled to disability benefits for at least 24 months are eligible to participate in Medicare supplement plan F 2019 at  Eligible persons may also be persons entitled to a retirement pension or RBC, as well as persons with ALS or end-stage renal disease. Some federal, state, and local government employees who are not eligible for retiree social security or disability benefits could be eligible for benefits of Medicare if they have worked for a sufficient period of time and if Part of Medicare Part A of their benefits FICA. Federal employees were covered by FICA Hospital Insurance in January 1983.

Can I Switch From Medicare Advantage To Medigap? Pt 2

Can I Switch From Medicare Advantage To Medigap? Pt 2

The following are some general situations in which you can switch from a Medicare Advantage plan to an insured Medicare care plan. This list cannot cover all situations where guaranteed issue rights are obtained. Bear in mind that such conditions over time are generally limited. In most cases, you will require Medicare Supplementary Insurance within 63 days of completing Medicare Advantage insurance. You signed up for a Medicare part C plan the 1st time you became eligible for Medicare and you are not okay with the plan you’ve had for a year or so. As a general rule, you will have the special right to purchase a Medicare supplement if you return to Part A and B of Medicare within 12 months of enrollment in the Medicare Assistance Plan.

• You are traveling in an area where the Medicare Advantage plan is not available.

• The Medicare Advantage plan will no longer cover the area in which you live.

• The plan is out of contract with Medicare.

It is not possible to have the option among the ten Medicare supplement plans available in many states. The available options may be restricted to some Medicare supplement policies formulated by the federal government of the United States. How to move from a Medicare Advantage plan to an additional Medicare plan?

Before making changes to the Medicare plan, you must ensure that the plan chosen by Medicare (from which you can purchase) is available at a price that fits your needs. You can leave a Medicare Advantage plan (for an appropriate period, as described above) in several ways, for example:

  • • Contact the Medicare Advantage plan that you have chosen to leave and request a cancellation form.
  • • Contact 1-800-MEDICATE to request cancellation of the phone. TTY users must call 1-877-486-2048. Medicare representatives are available 24 hours a day, 7 days a week, in all US time zones.
  • • Go to your social security office or call the Social Security Administration to send the cancellation request.
  • • You can contact Social Security at 1-800-772-1213. Representatives are available from 7.00am to 7.00pm, Monday to Friday in all US time zones.

If you leave the Medicare Advantage plan, it will automatically be transferred to the original Medicare plan, parts A and B. However, keep in mind that the Medicare Advantage plan you have left includes prescription and always covers prescription drugs in a Medicare plan separate. Part D for prescription drugs. “If it applies, you can put in request to ask that prescription drug coverage of Part D starts on the next Medicare care plan start date. There are many convenient ways to get more information on Medicare coverage. Descriptions of the products and services provided on the Medicare websites do not constitute sales offers or solicitations for a product or service. Not all products are available in all areas and are subject to the applicable laws, regulations and regulations of the federal Medicare program.

An Overview of Gout in Seniors

An Overview of Gout in Seniors

Gout for a long time may be asymptomatic. However, after exposure to a provoking factor (overeating, alcohol abuse, wearing tight shoes), specific symptoms develop that cannot be confused with another disorder.

Risk Factors:

Gender: In the male population, the disease is more common. Gout in women mostly develops after 40 years, when menopause occurs;

Hereditary factor: About 20% of patients have a genetic predisposition to the development of the disorder. This reason explains the occurrence of gout in childhood;

The use of drugs: Uncontrolled intake of thiazide diuretic drugs, Aspirin, Nicotinic acid, Pyrazinamide provokes the development of the disease;

Overweight: Doctors have identified a clear link between obesity and the accumulation of urates in the tissues;

Age: Gout usually develops in middle-aged men suffering from obesity, hypertension, and alcohol abuse. After 50 years, the disease occurs with the same frequency in women and men due to impaired kidney function, and frequent diuretic usage;

Alcoholic beverages: Ethanol leads to increased production of uric acid by the body, as well as reduces the ability of the kidneys to remove it from the body. Most often, pathology develops in people who regularly consume beer.

An attack of gout is characterized by the development of the below symptoms:

Severe pain syndrome. Pain usually occurs at night, leading to immobilization of the entire hand or foot. The use of painkillers does not bring relief;

Inflammation and redness in the affected area;

Increase in body temperature to 39-40º?.

Diagnostic measures should include the below examinations:

A blood test to determine the level of urates in the bloodstream;

The sampling of tissue or intraarticular fluid to determine the presence of needle crystals of uric acid salts. The procedure is painful, therefore it is performed only under local anesthesia;

X-ray. The study helps to determine the specific damage to the joints characteristic of gout, the presence of tophi.

In the absence of treatment, the disease progresses and causes the development of the below signs:

Tofus. This pathological formation is a painless bump under the skin, which is formed as a result of the accumulation of urates. Tofus can open up on its own after 5-6 years, in which case a white curd mass stands out from the wound;

Deformity of the joint. Uric acid salts provoke persistent deformation (subluxation) and restriction of joint mobility. With prolonged gout, patients need a cane to move;

Pathology of the kidneys. An increased level of urates leads to impaired renal function. They are not able to remove an excess amount of crystals. Therefore, uric acid salts accumulate in the kidneys in the form of sand or stones.

Medigap Insurance or 2019 medicare advantage plans are found here

Medicare supplement plans are private coverages which cover costs including copay, & deductible.

Are Medicare Supplemental Plans Different For Each State? Pt 2

Are Medicare Supplemental Plans Different For Each State? Pt 2

Because of these factors, even if the benefits are the same for each type of plan, it is advisable to do a research if you are considering a Medicare supplement plan. The Medicare supplement plan premium may vary depending on the location, the type of plan purchased, and the insurer. Always ask the insurer how it sets premiums, as this may affect the amount you pay for your coverage, the time of your registration, and the future cost of your premiums. State health care systems vary in some states: Massachusetts, Minnesota, or Wisconsin. If you reside in Massachusetts, you can choose between 2 options for the Medicare Plan: Main Plan and Supplement plan.

If you reside in Minnesota, you can choose between two alternatives for the Medicare supplement plan: the basic plan and the extended basic plan. Some insurance companies sell optional plans, which provide additional coverage for the main plan. In Minnesota, there are also their own versions of K, L, M, N and F plans with high deductibility. If you reside in Wisconsin, you can select from different options for the Medicare supplemental plans. One of the option is the basic plan which covers some initial benefits, including government benefits and additional coverage for hospital mental health services. In addition, Wisconsin has cost-sharing plans of 25% and 50%. “These are the status versions of the K and L schemes, offered in other states.

Compare the benefits of the Medicare policy

As mentioned earlier, the same standardized services are offered in most states. The Medicare F Supplemental Plan provides a high deductible version under which you pay all Medicare covered expenses until you reach a certain amount of deductible stipulated for the year. This amount may vary from year to year. Once the maximum is reached, the Medicare K and L supplemental plans will pay 100% of the benefits for the remainder of the calendar year. Supplement plan N covers 100% of Part B co-insurance costs, with the exception of approximately $ 20 for certain office visits and $ 50 for emergency room visits that do not require ‘hospitalization.

It is hoped that you have a good idea of ​​the kinds of plans that might be present in your locality and how the Medicare supplemental insurance functions. If you would love to know more about Medicare supplemental insurance in your area, I would love to have planning options tailored to your needs. Medicare supplement insurance plans are not tied to the US government or the federal health care program. There are many insurance companies offering Medicare Advantage plans in different states; each of the plans is different. To be mandated the power to provide a D part or a Medicare benefit or policy in any locality, an insurance agency must apply for and receive permission to run the Medicare policy. The number of insurance companies that can provide diets in a given place and the number of which is actually available to the elderly must be different. he crux of the matter is that it is important and necessary to research so that you have the accurate Medicare policy for your medical and financial needs.

Can I Switch From Medicare Advantage To Medigap? Pt 1

Can I Switch From Medicare Advantage To Medigap? Pt 1

If you want to switch options in a Medicare policy, such as switching from a Medicare Advantage plan to a Medicare plan, you can do it during certain times. Changing the plan options in Medicare depends on the type of Medicare coverage and the type that you want. Before moving from a Medicare Advantage policy to a Medicare supplement plan, or even modifying the Medicare supplement policy, let’s begin with a brief description of the distinction between these types of programs.

Medicare Supplementary Insurance vs. Medicare Advantage

In short, Medicare Advantage offers a way to get Medicare Part A and B benefits from a private insurance company recognized by Medicare. Some diets offer extra benefits, such as: routine eye care. The Medicare supplement plans are designed to work with your original Medicare benefits (Parts A and B). Medicare supplementary plans do not offer these benefits, but can help pay parties A and B from abroad. Medicare Supplement plans cannot be used to pay for costs (such as co-payments) in Medicare Advantage plans. If you’ve registered already with Medicare Advantage, it then becomes illegal to sell a Medigap plan (except you return to Conventional Medicare, Parts A and B). The opposite is not true. If you’ve signed up for a Medicare care plan and you’ve chosen to switch to Medicare Advantage, you can keep your Medicare Supplement Plan if you wish, even if you cannot afford Medicare Advantage.

When can I replace the Medicare Advantage Medicare plan with the Medicare supplement?

To purchase a Medicare supplement plan, you must first withdraw the Medicare Advantage plan and return it to Medicare Part B (health insurance) and Part A (i.e. hospital insurance): these are provided under the Medicare program of the state. However, what you have to understand to go from Medicare Advantage to Medicare Supplement is: You can stop the Medicare Advantage plan only at certain times of the year. In most cases, this is the Deactivation Period of the Medicare benefit (January 1st to February 14th) or the annual Medicare Advantage and prescription period from October 15th to December 7th.

Some exceptions include switching from an institution such as a nursing home or a facility to your home. Other exceptions are listed below. When you return to Original Medicare, you can still request a Medicare supplement plan. However, the adoption of a plan is not always certain. For example, if you have a health condition, the insurance agency can make a decision based on medical underwriting via a process called medical subscription. The company may decide not to sell you a policy or charge more due to your condition. When can I change the Medicare supplement with insured exhibition rights? In certain situations, you can switch from a Medicare Advantage plan to a supplemental Medicare plan with secured issuance permits, which means that the insurance company must accept you as a member and will never charge you any extra cost because of your state of health.

Are Medicare Supplemental Plans Different For Each State? Pt 1

Are Medicare Supplemental Plans Different For Each State? Pt 1

If you are thinking of adding a Medicare supplement plan to your initial Medicare coverage, you are wondering how this is going and whether the benefits will differ from state to state. The simple answer usually is a no. Most states offer up to 10 Medicare supplement plans that provide exactly the same standard benefits for each type of plan (labeled A through N), regardless of where you live. Therefore, if Plan F is accessible in your postal code, each of the Plan F will have identical coverage, irrespective of the insurance company offering the plan (though the cost of the premium may vary). Remember, insurance companies do not have to sell any type of plan. Therefore, the plans available in your country or postal code may depend on your location.

What are the Medicare supplement plans?

Medicare assistance plans are offered by private insurance companies and can help you with certain costs that are not covered by Original Medicare. These non-recurring expenses might include co-insurance, Medicare deductibles, and hospitalization or qualifying care costs after you have exhausted your Medicare. Medigap plans are only accessible to those who have Medicare Part A already, and they help in paying of hospital services, and Part B, which contributes to the payment of medical services. The coverage of Medicare supplements function only in association with Original Medicare. The plan cannot be used to cover the cost of a medical plan.

What Medicare supplement plans are available in your state?

Costs and medical needs will determine the right Medicare supplement plan. Most recipients with high deductibles may find it helpful to fill in the gaps of the original Medicare coverage with a Medicare supplement plan. As stated earlier, in 47 states, the 10 Medicare supplement plan options are labeled with: A, B, C, D, F, G, K, L, M and N. An F plan also offers an option which is  high deductible. Remember that not all plans are available in all locations. Therefore, it is important to determine the plan options for your country and your postal code. Once you have defined the type of plan you want, you can easily compare insurance companies and premium costs to find the one that best fits your budget and situation, because the coverage is the same.Although coverage for each type of plan letter is identical, there are some key differences between Medicare supplement plans provided by insurance companies:

What are the plans offered by the insurance company?

Any company that sells Medicare supplement plans must offer Plan A with Plan F or Plan C. No insurance company should offer the 10 Medicare standardized 2020 at Medicare Supplement Plans. In conjunction with the standard services, some insurance agencies provide additional services.

What is the premium that the insurance company charges for its public health care plans?

How insurance companies set their premiums.Some companies set the cost of the premium based on their age at the time of enrollment in the plan (known as the “issue-age plan”) or the current age (“plans to reach the age of the retirement”). Other companies apply the same price to all members of the plan, regardless of age.

5 Diseases That May Show Symptoms Identical to Dementia in Seniors

5 Diseases That May Show Symptoms Identical to Dementia in Seniors

Since Alzheimer’s disease is widely known, we often begin to worry about noticing its signs. But dementia is not the only disorder that causes irritability, mood swings, and forgetfulness. Here are 5 common diseases that may be disguised as dementia.

1. Urinary tract infection

Having penetrated into the urethra, the bacteria can rise through the mucous membrane to the bladder and kidneys, forming chronic inflammation. At the same time, urination becomes painful, and in older people, it can cause agitation, fussiness, anxiety, & confusion. By avoiding urinating, an elderly person can stop drinking, which leads to dehydration and increases confusion. In this case, you must first cure the infection.

2. Excess medication

An elderly person suffers from a variety of diseases and, accordingly, takes a lot of drugs: from blood pressure to heart diseases and painkillers. Plus, many older people have the habit of taking medications they heard about from their friends or in advertising. Excess medications, their unpredictable interaction can affect memory and cause side effects, which might create symptoms identical to dementia. So, it’s necessary to consult with a specialist prior to taking such medications.

3. Depression

Depression affects every seventeenth person over the age of 65. In general, the symptoms of depression repeat the early signs of dementia: decrease and instability of mood, loss of activity, motivation, impaired memory. It is advisable to contact a psychologist or psychotherapist who has experience working with elderly patients.

4. Hypothyroidism

Hypothyroidism affects nearly 30 million people in the world, most of them – older than 50. Half of the patients are unaware of this disease. Symptoms include depression, forgetfulness, lethargy, and sometimes anxiety. if you’re experiencing identical symptoms, consultation with an endocrinologist may be necessary.

5. Hearing loss

Age-related hearing loss is a common problem for the elderly. Hearing loss causes attention deficit, and the sufferer finds it challenging to understand what others are saying. Realizing this, an elderly person begins to avoid social contacts, becoming more and more locked up in himself/herself. Relatives begin to associate this behavior with dementia. Often, hearing impairment is combined with a lesion of the vestibular apparatus, which leads to falls, so an urgent consultation with a specialist becomes necessary.

Seniors & Medigap: Seniors above 65 considering 2020 Medicare Supplement Plans additional coverage can apply here for Medicare supplement plans that enable them cover expenses not listed in Medicare program.