Loneliness As A Senior

Loneliness can be seen as one of the most awful feelings in the world, and often times enough we will go through multiple times of feeling this way in our lifetime. But it is a totally normal way to feel and is not something that only you will deal with. This is will continue to feel worse the older that you get since you may not have as many people close to you in your life the older that you get. Symptoms of feeling lonely is that you feel like have no one in your life, feeling depressed and no longer going out or reaching out to people as much as you used to anymore. This can make anyone feel low and not the person that they know that they are, here are some reasons why someone who is elderly may start to feel lonely more often.  Get a supplement plan https://www.comparemedicaresupplementplans2019.com

The biggest reason for people who are older that may start to feel lonely is because a lot of the people that they grew up with or people that they have known most of their life are starting to pass away most of the time it is their spouse’s passing that can be the hardest and will do the most damage on how they feel and can begin to make them feel lonely and like they have no one. Also losing their friends around them that are the same age that pass from old age or whatever the case is will also start to make them feel lonely since these are the people in their life that they are the closest to. Imagine losing someone like that in your life right now, you would most likely start to have the same feelings as these people do.

Another big reason that someone who is elderly will start to feel lonely is because their kids if they have any are on doing their own thing in their life and they most likely aren’t seeing them as much as they used to since they are busy with their own life now and their own kids. This can be very hard to deal with since your kids are most likely the most important people in your life, not being able to see them as much can make you feel lonley and can almost feel like they don’t care about you as much anymore. Which is false, if you are having this problem with your kids in your life then it is for the best for your mental help and your relationship with them if you talk to them about how you are feeling and how you guys can work it out. This is make them see how you are feeling and will allow you to spend more time together with them in the future.

How to Deal With Depression As A Senior

If you are someone that is either reaching old age or someone that has already reached old age and are dealing with either a long time case of depression or is dealing with a short period of depression then there is no reason to worry or feel like there is no way to overcome it. This is something that people have dealt with many times over the years and is not something that can be treated with meds or with therapy. If you are someone that is only dealing with a minor case of depression then it is not something that you have to worry about as much unless you are someone that is dealing with it on a daily basis for months at a time. Whichever one it is it is able to be treated and although it can’t be cured due to how your brain is working, it is something that can be made easier to deal with so that you can continue to deal with it on your daily life. Go to the following site for a 2019 supplement plan https://www.medicaresupplementplans2019.com

Medicare Supplement plans 2019      If you have not already the first thing that can be helpful is that you should try to be talking to family members or friends that are in your life. Although you may feel like you are not able to talk to the people that are in your life, it can be useful to you to bring yourself closer to them in your life and you will begin to feel closer to them because of it. Talking to friends and family about what you are going through is the first step that you should take when dealing with this, they can give you helpful advice and may be able to let you know that they have dealt with similar things in their life and can help you deal with this. Going through this alone is not a good idea, closing yourself off from the world is not a good way to go about this and will only make things worse for you.

The next thing that you should look into is getting a therapist to talk to things with if you do not feel that good about talking to the people close to you in your life. A therapist can give you a unbiased view on the things that are making you feel this way and they can also help you and give you ways to deal with the things that are going on in your life. You can also be given a prescription to get medicine to help with your depression. Unless you feel like you will not be able to feel normal with out the medicine it should not be the first thing that you go for it should only be a last resort.

The Top Nine Things to Look For When Choosing a Plan

Chооѕіng a Mеdісаrе Suррlеmеnt саn be very соnfuѕіng. Hеrе аrе thе tор tеn thіngѕ thаt you ѕhоuld соnѕіdеr whеn choosing your ѕuррlеmеnt роlісу.

  1. Whаt соvеrаgе do уоu wаnt or need?

There аrе several Medicare supplement plans аvаіlаblе. Mеdісаrе ѕuррlеmеntѕ start with Bаѕіс coverage аnd go to Cоmрrеhеnѕіvе соvеrаgе, wіth mаnу vаrіаtіоnѕ іn bеtwееn.

  1. Dо уоu wаnt tо pay thе Pаrt B Dеduсtіblе?

The раrt B Dеduсtіblе (fоr thе dосtоr) іѕ a once a year dеduсtіblе. Of соurѕе, рlаnѕ thаt do nоt соvеr this аrе less еxреnѕіvе thаn thоѕе thаt соvеr іt.

  1. Dоеѕ your dосtоr ассерt Mеdісаrе “Assignment”?

If уоur doctor ассерtѕ Aѕѕіgnmеnt, thіѕ mеаnѕ that they will accept thе Medicare Aррrоvеd Amount fоr thе gіvеn service. If thе doctor does nоt accept Aѕѕіgnmеnt, thеу are аllоwеd tо сhаrgе uр tо 15% more thаn the Mеdісаrе-аррrоvеd сhаrgе. This еxtrа charge is thе Pаrt B Excess. If уоur dосtоr dоеѕ ассерt Aѕѕіgnmеnt, уоu dоn’t nееd a plan thаt covers thе Part B Exсеѕѕ сhаrgеѕ.

  1. Whаt is thе fіnаnсіаl ѕtrеngth оf the company that уоu аrе соnѕіdеrіng?

You wаnt a company thаt hаѕ thе fіnаnсіаl strength tо bе able to рау сlаіmѕ nоw аnd іn thе futurе. All insurance соmраnіеѕ are rаtеd by оutѕіdе соmраnіеѕ ѕuсh аѕ AM Bеѕt.

  1. Price.

Mеdісаrе Supplements аrе standardized by the Fеdеrаl Gоvеrnmеnt. Thеу are lеttеrеd A, B, C, D, F, G, K, L, M & N. Eасh ѕtаndаrdіzеd Mеdіgар роlісу must offer thе ѕаmе bаѕіс benefits nо mаttеr whісh іnѕurаnсе company ѕеllѕ іt. Cоѕt іѕ usually thе оnlу difference bеtwееn Medigap роlісіеѕ wіth the ѕаmе lеttеr sold bу different insurance соmраnіеѕ.

  1. Service. For 2020 get a supplement plan to save money at https://www.medicaresupplementplans2020.com/

Hоw іѕ thе сuѕtоmеr ѕеrvісе? Dо thеу rеѕроnd to their сuѕtоmеr’ѕ needs аnd questions? If so, how lоng dоеѕ іt tаkе?

  1. Dо thеу offer аnу “Value Addеd” benefits?

Sоmе соmраnіеѕ offer аddіtіоnаl discounts оn ѕоmе ѕеrvісеѕ. Yоu nееd to аѕk.

  1. Does thе рlаn cover At Home Rесоvеrу?

Do уоu nееd this? Is the bеnеfіt worthwhile?

  1. Do уоu hаvе ѕоmеbоdу to explain аll thіѕ to уоu іn dеtаіl?

Dо you hаvе somebody thаt уоu саn contact іf уоu hаvе a ԛuеѕtіоn оr рrоblеm? Yоu ѕhоuld fіnd an “іndереndеnt” аgеnt that ѕресіаlіzеѕ іn Mеdісаrе Products. Hе саn guіdе you аnd аnѕwеr аll уоur questions. He can bе thеrе whеn you hаvе a ԛuеѕtіоn, nоw оr in thе futurе. Hе саn fіnd the rіght plan and соmраnу fоr уоur раrtісulаr situation.

Understanding the Medicare AEP or The Annual Filing Deadline

A great way for people with Medicare coverage to make sure that they get the best possible value is to compare the different plans before switching during the AEP or annual registration period. There are four parts of Medicare Insurance Plans that include parts A, B, C / Medicare Advantage and part D. The AEP does not apply to those who have already taken out additional Medicare insurance. However, they are not excluded from switching during the AEP period, especially if they benefit from switching.

Whether you currently have Medicare coverage, a Medicare Advantage (MA) plan, or a Part D (prescription) insurance, you will have the opportunity to make the desired changes once a year during the AEP. This period of time is referred to as “Open Enrollment Period” or “Medicare’s Annual Election Period”. AEP begins on October 15th and terminates on December 7th. Any changes you choose will be effective as of January 1 the following year.

The AEP is beneficial to individuals covered by Medicare insurance plans, as it allows them to make any changes to their insurance coverage each year, if they wish. This means that you can make these changes as your personal needs change. Therefore, you should review these options at least every year prior to the AEP to ensure that you have a plan that effectively addresses these needs.

You should ask specific questions when reviewing your current coverage prior to the annual registration period. For example, did you diagnose any type of long-term illness or medical condition or did any of your prescription drugs change in the past year? If the answer to this is “YES”, you should take a closer look at your current coverage and consider making changes that will benefit you during the AEP, if you have the opportunity.

If you have a Medicare supplement plan as an AEP, this is not for you. You have no restrictions on the season in which you can review your current plan and change plans, if you so desire. It’s important to compare Medicare supplement plans to each Medicare Advantage plan to help you understand the difference. Getting in touch with an independent Medicare insurance broker can help you make sense.

Customer service is something that many insurance agents do not understand. When a Medicare attendee calls to discuss benefits, but then has other questions or concerns, some agents do the bare necessities for that customer. A good agent will take the time to explain something to you and make sure you fully understand every part of the plan’s benefits, the application process, the payment, and so on. A good agent will also keep you as his customer by checking regularly to make sure you are satisfied with your policy.

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Finally, you should bear in mind that plans for Medicare change in a regular fashion and their cost as well. As an instance, the price of your current plan may go down or up every year. Or, if you have a Plan D prescription drug plan, medications can be added or discontinued on a regular basis. Finally, benefits may change frequently, while other Medicare plans may no longer provide coverage based on your geographic location.

 

Understanding Plan G Medicare Supplement Insurance

When you scout for additional Medicare insurance, it is important to know the differences and similarities between the different standardized plans. The only plan that fills in all gaps left by Original Medicare Parts A & B is Plan F. Every other coverage covers some or many of the gaps.

By instinct, most Medicare participants simply buy Plan F because it happens to be the most comprehensive plan. And that may be a wise decision, but there are a few good reasons to consider Plan G as your choice.

Plan G does not cover part B deductible.

The only difference between the plans F and G in terms of political benefits is the part B deductible. This is the smaller of the two deductibles that are not covered by Original Medicare and have been at $ 150 for several years.

Part B annual deduction is for doctor visits and the like. After you have reached your deductible, you have full coverage for the remainder of the year – just like Plan F.

The officials of the Medicare and Medicaid Services Centers (referred to as CMS) can and will change the deductible amount of Part B each year. It can go up or down, but usually it does not move more than 3% -5% in one direction or the other.

If you suspect that CMS could significantly increase this amount, remember that all changes also affect Plan F. Plan F must cover the deductible of Part B so that the plan F rates will be adjusted accordingly by all insurers during the next interest cycle.

Plan G is not a guaranteed addendum. An important benefit of Plan G is that it is not a guaranteed emissions plan. This means that if you are not in your open enrollment phase you will need to undergo a medical risk assessment to qualify.

The open registration takes place only once; either if you are new to Medicare Part B or 65 years old. These two events usually coincide, but not always.

Medical underwriting is usually as easy as answering 10-20 yes / no questions about the application and submitting a telephone interview with your chosen insurance provider.

This is all relevant because the above factors make Plan G more difficult to qualify compared to Plan F. This means that less unhealthy people will appear in Plan G, which could be beneficial to future rate increases.

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Premiums vary from company to company. Therefore, it is important to shop with an agent or agency that represents multiple carriers. Not only can you find the best prices, you can also find a company with reasonable rate increases.

And if the plan G you choose is $ 15- $ 20 less per month than the next best plan F, then you’ve more than made up for the Part B deductible. You save money in the long run.

In conclusion, Plan G can be an advantageous buy when compared to Plan F and other guaranteed spending Medicare bonuses. Your monthly premium savings will almost always offset the deductible costs of Part B, and the lower number of unhealthy members is likely to keep your fares lower in the future.

Retirement Travel

Traveling is a fun and rewarding way to spend your time during retirement to maintain a fulfilling life. If you want to get the most out of each of your trips, follow these easy steps.

https://en.wikipedia.org/wiki/Medicare_Advantage

The first thing you want to do when traveling is understand which Medicare supplement plans will cover you while you are abroad. It’s important to be properly insured before you start any journey and make sure you can focus on enjoying your trip rather than any last minute emergencies.

 

There are so many fantastic places to visit in the world, so plan your trip based on what activities you want to do when you get there or certain attractions you want to see. It’s good to have different excursions planned rather than spending a week sitting in a hotel room in a fantastic city with only getting outside every once in a while to get food or coffee. Hike popular trails, see tourist attractions, rent a boat and go fishing, or rent a bike and tour the city. Remember to bring your camera everywhere you go and document everything you do.

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Try to mingle with the locals a bit and ask them for inside information on the best places to go that tourists might not even know about. You want the local feel whenever you travel and the only people who really know the good spots are the locals. Make friends with them and gain their trust so they give you the right recommendations. Then, actually go do the things they recommend to you! Usually locals don’t want to give away the local secrets, so if they are telling about some place great it must be for a reason. Don’t disappoint them or yourself, go do it and enjoy yourself.

 

If you have some time to reflect at the end of each night, upload the great photos you took and make a blog post about your day. You could have a whole trip’s worth of fantastic blog posts with nice pictures that documents the entire journey you had. You will love being able to look back on it years down the road and remember what a fun trip you had. It’s also just fun to be able to share your trip with others. Friends and family that follow your blog will enjoy seeing the fun you are having and may even have recommendations of their own for you to explore.

Blog Post Ideas

 

Keeping an online blog is a fun activity during retirement, similar to your childhood days of keeping a journal. Starting an online blog is cheap and easy, and is a great way to share your thoughts and ideas with your friends and family. If you have an internet connection, your web browser can be used for more than just researching Medicare supplement plans.

 

Blog about things that you are passionate about so that your blog posts come naturally and are easy to follow. Trying to write about things you are unfamiliar with just adds time and stress to the process that you don’t need to add to your life. If you are a mechanic, cars might be a great topic to keep a blog about. Take pictures of cars you like to fix up, talk about your journey finding new cars to fix, or the fun you have flipping cars for a profit. Teaching people new things is a great way to build a loyal following, and plenty of people are interested in learning how to fix or flip cars.

 

If traveling is your thing, blogging about your adventures is easy to do and a fun way to document all of the places you visit. Take pictures everywhere you go and add them to your blog posts. Try out different restaurants and unique cuisines and make recommendations for people who plan to go to similar places. Plan out future adventures and ask your loyal followers for recommendations on other trips to take or specific attractions to visit. If you have a fan base right in the same places you want to visit, they probably have some great local recommendations they would love to make for you.

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Building things is not only great blog content, but a great hobby as well. If you are a skilled craftsman with woodworking, document yourself building beautiful pieces of furniture. Post them to your blog and talk about why you made that piece and why it’s significant to you. You may even be able to sell some of your pieces if your followers like what you make and your craftsmanship.

 

Blogging is the perfect way to spend your time wisely doing things that you love, and getting the added benefit of being able to enjoy them twice by blogging about them afterwards. See comments from your followers about how they also enjoy the things you share with them is the icing on the cake.

How to Get Free Medicare Supplement Leads

Medicare supplement insurance products have gained popularity over the years because they help the patient save hundreds of dollars in medical expenses on an annual basis. To be a successful agent, it is important to be able to generate multiple leads on Medicare insurance products. Successful agents always have the uncanny ability to innovate and find new ways to connect with a prospective client interested in taking out insurance.

Ways to Generate Free Medicare Supplement Leads

You can use free classified ads to generate multiple Medicare Supplement Leads. Make sure you’ve included all of your contact information in these ads, including the URL of your personal website. Many people are constantly looking through these ads and it can be a great way to run free Medicare supplements on a constant basis. However, you should all consider that any leads generated by these methods will not be of the highest quality. Many of the clients may only be interested in receiving more information about Medicare plans and may not plan to buy them in the near future.

You can also use message boards to promote the Medicare supplement plans that you sell as an agent. This can be done both online and offline. You can visit community centers and retirement homes where you can find several people who need supplemental plans to reduce their medical expenses. Another alternative is to leave your digital footprint in the many news forums that you find on the Internet. People are constantly using these forums to learn more about supplement products, and this may be a good opportunity to channel traffic towards your business.

Create your own website and make sure it looks professional and is updated regularly. Look for a domain name that is simple and easy to remember for people who happen to find your ad. Publish the latest information about Medicare Supplement insurance on your website and this would help to attract a lot of people to your site.  https://www.bestmedicaresupplementplans2019.com/

Use social networking media such as Twitter, Facebook, Tumblr and other websites to increase your web presence. For example, you can create your own Facebook page, which will keep you up to date with the latest Medicare supplemental insurance information. Encourage visitors to ask questions about the product you sale and answer them as soon as possible. You would be surprised to see how far you can reach on one of the social networking sites. It is also a good idea to leave your contact information and the URL link of your website for interested customers.

One of the best and most effective ways to generate leads for Medicare Supplement insurance is by registering with reputed Sales and lead generation companies. Here you may have to pay a small sum of money for the leads you have purchased. However, the quality of these leads is usually very high and helps you to save a lot of time because you do not have to follow half-hearted customers. Many companies also offer a trial pack, where they provide a fixed number of complementary medical insurance free of charge. That way, you can find out if the company is right for your business. You also do not have to pay any money while trying these free leads.

Understanding Plan G Medicare Supplement Insurance

When you scout for additional Medicare insurance, it is important to know the differences and similarities between the different standardized plans. The only plan that fills in all gaps left by Original Medicare Parts A & B is Plan F. Every other coverage covers some or many of the gaps.

By instinct, most Medicare participants simply buy Plan F because it happens to be the most comprehensive plan. And that may be a wise decision, but there are a few good reasons to consider Plan G as your choice.

Plan G does not cover part B deductible.

The only difference between the plans F and G in terms of political benefits is the part B deductible. This is the smaller of the two deductibles that are not covered by Original Medicare and have been at $ 150 for several years.

Part B annual deduction is for doctor visits and the like. After you have reached your deductible, you have full coverage for the remainder of the year – just like Plan F.

The officials of the Medicare and Medicaid Services Centers (referred to as CMS) can and will change the deductible amount of Part B each year. It can go up or down, but usually it does not move more than 3% -5% in one direction or the other.

If you suspect that CMS could significantly increase this amount, remember that all changes also affect Plan F. Plan F must cover the deductible of Part B so that the plan F rates will be adjusted accordingly by all insurers during the next interest cycle. get a supplement plan at https://www.medisupps.com/medicare-supplement-plans-2019/

Plan G is not a guaranteed addendum. An important benefit of Plan G is that it is not a guaranteed emissions plan. This means that if you are not in your open enrollment phase you will need to undergo a medical risk assessment to qualify.

The open registration takes place only once; either if you are new to Medicare Part B or 65 years old. These two events usually coincide, but not always.

Medical underwriting is usually as easy as answering 10-20 yes / no questions about the application and submitting a telephone interview with your chosen insurance provider.

This is all relevant because the above factors make Plan G more difficult to qualify compared to Plan F. This means that less unhealthy people will appear in Plan G, which could be beneficial to future rate increases.

What does Plan G cost?

Premiums vary from company to company. Therefore, it is important to shop with an agent or agency that represents multiple carriers. Not only can you find the best prices, you can also find a company with reasonable rate increases.

And if the plan G you choose is $ 15- $ 20 less per month than the next best plan F, then you’ve more than made up for the Part B deductible. You save money in the long run.

In conclusion, Plan G can be an advantageous buy when compared to Plan F and other guaranteed spending Medicare bonuses. Your monthly premium savings will almost always offset the deductible costs of Part B, and the lower number of unhealthy members is likely to keep your fares lower in the future.

Understanding Medicare and Medicare Supplements

While Medicare superficially seems baffling, consulting a competent broker can make it easy for you to understand. Medicare is a health care system for citizens of USA who are above the age of 65 or those who under Social Security disability become qualified for the program. Medicare pays much of your health care cost, but not everything.

Let’s start with Medicare “Part A”. These are your hospital services. Now there is no bonus for it, as it was deducted from your salary throughout your working life. Here it can be puzzling, as you have an outpatient deductible to handle. It was $ 1216 in 2014. This is for stationary procedures. This also includes the first 60 days in the hospital.

If you are hospitalized for 60-90 days, you will incur an additional $ 304 per day. If you are staying longer, you have to pay $ 608 per day. As you can see, this can primarily add up the expenses. You can also see how this can be confusing. Such processes exist for skilled care facilities and also for blood. The amounts change from year to year.

The ambulatory or “PART B” is a little easier to follow. Part B pays 80% of the outpatient benefits. It also has a deductible of $ 147. That means you will cover the $ 147 in addition to 20% of the outpatient costs.

Now that leads us to why you need a Medicare supplement plan. A supplement fills in the “gaps” in Original Medicare. A supplement, which depends on which product you receive, covers the costs of Part A including the deductible. The cost of Part B is also covered, but there are additional policies that don’t cover Plan N or the deductible, which allows you to pay for doctor visits.

The other part about supplements is that they are the same. Meaning Plan F remains Plan F, independent of which carrier you get it from. Again plan G is plan G again, no matter which carrier you get it from. The bonus is what drives a lot of sales for Medicare supplement plans.

A great thing about Medicare Supplement and Medicare is that you can get one at   https://www.medisupps.com/    don’t have to worry about whether your doctor is on the network or not. It is really easy. Medicare patients are accepted by the doctor, they will also accept the supplement. There are some doctors who do not accept Medicare patients. Even if they don’t accept Medicare plan, they will not accept the supplement. It does not matter from which provider you pick your bid.

 

The next piece of the puzzle is what’s called Medicare Advantage. Now these plans replace original Medicare. They are still in the Medicare system, but it is operated by private insurance carriers. Often there is low or in some cases, zero premium for this. However, the costs are often greater. Again, these plans are often network-driven, meaning you have to go to a specific network of doctors. These plans are also available by country. If you move to another state or county, you may have to abandon your Advantage Plan.