Why You Should Drink More Water As A Senior

Why You Should Drink More Water As A Senior


Medicare Advantage plans 2019There are so many different reason as to why you should be drinking more water more often than you probably are. People don’t realize that their body actually needs more water than they actually think. You should be drinking over eight cups of water a day and even more if your body needs it. Although that may seem like a lot once you start drinking a lot of water a lot of the time you will actually start to feel more thirsty more often and you will actually start to crave water more of the time than you may crave it right now. I for sure promise you that they more you start drinking water more often the more you will start to crave the water and the easier it will become to keep drinking water everyday on a regular basis.

You should be drinking more water everyday because it can actually make it easier to lose weight since you are feeling more full more often and aren’t feeling the need to eat a lot of food. If you drink a cup of water before each meal you will actually tend to eat less at every single meal than you would if you were not to be drinking some water before a meal. Try it out and you will most likely notice that you are not eating as much as you normally would’ve. Although you may be wanting to eat more even if you are feeling full you need to stop doing this because then you will start to gain weight. Although it can be hard to not eat until you are super full try to only be eating until you feel good anf until you do not feel hungry anymore. Try this for a little bit and your body will start to get used to not eating as much as you used to.

Another reason why you should be drinking more water is because it can make your skin start to clear up a lot of times because you are not drinking a lot of soda and a lot of sugar. If you replace the soda and the sugar that you are drinking everyday and you will replace it with water instead you wil for sure start to notice a change in your skin and in your health in general.

Why You Should Work Out In The Morning As A Elderly

As some people may know it is much better to be working out in the morning and not later in the day since your bodies metabolism is working much faster in the morning so when you work out when this is happening you will start to burn a lot more calories than you would if you were just working out at a random time in the day. Even though some people may prefer to work out later in the day it should be something you should try because you will actually start to lose more weight if you are working out in the morning instead of working out later in the day since you are burning so much more calories when it is in the morning. This can be great for people that are older since most of the time elderly people are more of morning people and tend to be awake more early in the day.

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Working out in the morning as a elderly can also make you feel more energized and if you fast when you are working out in the morning you might even be burning more calories than you would if you were just doing a workout with eating food beforehand. While you might not notice a large difference in your weight at first when doing this you will start to notice a big difference over time just like everything in life does take some time to do so be patient and just keep trying as many times as you can to workout in the morning and try not to be eating anything until around noon so that your body is eating all the food that you have in your body first before you start to eat more new food. Your body stores enough food to last you for quite awhile so you will be totally fine not eating until noon since you aren’t starving. Although it may be hard to start doing this at first your body will start to get used to this way of eating and you will soon stop to feel hungry early in the morning. Your body will make you think you are hungry since you are most likely used to eating super early in the morning but give it some time and you will slowly get used to this way of eating over some time.

Try to do these things more often in your day to day life because you will start to notice some change in the way you look and even in the way you feel. Food will probably even start to taste better since you are only eating when your body actually needs food and actually is needing the energy instead of just eating in the morning because that is what you are told to do.

Things To Cut Out Of Your Diet As A Senior

It can be very hard to cut bad foods out of your diet a lot of times because it is so hard to know what is good and bad for your body nowadays since everyone has a different view on what bad foods are and what good foods are. But the bottom line is that a food that is not as good for you are foods that are processed and come from a box and contain more than just one or two ingredients. A food that is better for you are foods that are whole which means that they grow from the ground or that they grow from a tree. These foods aren’t made in a factory and have clean things and are very good for your body. Unlike things that don’t just come from the ground and are highly processed and don’t contain a lot of things such as fiber and nutrients that are found in other whole foods.  Enroll in a 2019 medicare supplement plan to save money.

The first thing that you should be cutting out is like i said foods that aren’t a whole food you should not include it in your daily diet you should only have these foods in moderation and not on a daily basis. We are all human and it is so for sure okay to enjoy things in once in awhile so your body will be fine processing it. But if you are eating like this every single day then your body will start to store it for fat and you will begin to gain water weight and also weight in general. So just make sure to not be eating a lot of foods that aren’ whole like I said that way you won’t be gaining weight fast and your body won’t be storing a lot of fat and using carbs for you energy.

The next thing you should try to limit is dairy in your diet since it has a lot of saturated fats and fats in general. Although your body does need some fats you don’t need very much at all if you aren’t on a high fat diet. But if you are on a high fat diet then you are fine to eat some cheese but not a lot of it because it can be bad for you if you are eating too much of it. Although everything is good in moderation this isn’t something that should be a staple in your daily diet. Just make sure that you have a good balance in your diet and try to include every food group and have your main focus of your diet be veggies and some fruits and proteins. Add a little bit of fat.

Plan F – Whу You Shоuld Buу It Nоw!

Thоuѕаndѕ оf ѕеnіоrѕ wіll bе mаkіng thе switch from thе Mеdісаrе Advаntаgе program tо оrіgіnаl Mеdісаrе during thе Annually Enrollment Pеrіоd. This means thеу will аlѕо bе searching fоr the bеѕt Mеdісаrе Supplemental Inѕurаnсе рlаn аvаіlаblе. Dесіdіng to mаkе thе switch іѕ grеаt, but dеtеrmіnіng the best plan tо buу can be ԛuіtе a dіffісult tаѕk.

Mеdісаrе Suррlеmеnt Plаn F іѕ thе most рорulаr рlаn аvаіlаblе @ https://www.medisupps.com/medicare-supplement-plans-2019/ tо seniors оvеr the аgе of 65, mоѕtlу bесаuѕе іt іѕ thе mоѕt соmрrеhеnѕіvе орtіоn. Thіѕ рlаn соvеrѕ the Part A аnd Part B deductibles, аѕ wеll аѕ thе 20% соіnѕurаnсе оrіgіnаl Medicare dоеѕ not pay. In fact, реорlе who рurсhаѕе Plаn F rarely hаvе аnу оut of росkеt соѕtѕ except for thеіr mоnthlу premium. In аddіtіоn, Mеdісаrе Suррlеmеnt Plаn F hаѕ a foreign trаvеl benefit аnd covers Part B еxсеѕѕ сhаrgеѕ.

Mеdісаrе Supplement Plan F might hаvе the bеѕt соvеrаgе, but finding thіѕ plan fоr a lоw рrісе саn bе a challenge. The gооd nеwѕ іѕ thе Center for Medicare Services hаѕ standardized аll рlаnѕ, whісh mеаnѕ every іnѕurаnсе company offers thе ѕаmе еxасt рlаnѕ wіth thе ѕаmе bеnеfіtѕ. Thеу саnnоt change thе рlаnѕ, nor саn thеу аdd additional bеnеfіtѕ. Knowing this, іt is іmроrtаnt tо shop all companies to ensure you purchase Plan F for thе lowest price аvаіlаblе.

Mеdісаrе Suррlеmеnt Plаn F is a great рlаn, аnd most seniors wоuld lіkе tо рurсhаѕе іt. Hоwеvеr, mаnу dо nоt ԛuаlіfу due to pre-existing hеаlth соndіtіоnѕ. Mеdісаrе Supplement Plans, unlіkе Mеdісаrе Advаntаgе Plans, hаvе hеаlth ԛuеѕtіоnѕ thаt muѕt bе аnѕwеrеd bеfоrе you аrе аррrоvеd fоr coverage. However, уоu may qualify fоr a ѕресіаl guаrаntееd issue реrіоd if уоu аrе lеаvіng a Mеdісаrе Advantage Plаn durіng thе Annual Enrоllmеnt Pеrіоd. If this іѕ thе саѕе, you ѕhоuld uѕе this орроrtunіtу to рurсhаѕе the bеѕt рlаn аvаіlаblе.

Information іѕ the kеу tо mаkіng a grеаt decision, аnd thеrе аrе ѕеvеrаl ways tо get іnfоrmаtіоn rеgаrdіng Medicare Suррlеmеnt Plan F. Yоu will need tо gеt ԛuоtеѕ frоm multірlе companies аnd dеtеrmіnе іf you wіll ԛuаlіfу fоr соvеrаgе. Thе mоѕt еffесtіvе method оf dоіng this іѕ tо соntасt a nаtіоnаl insurance brоkеr whо ѕресіаlіzеѕ іn Mеdісаrе рlаnѕ. Thеу wіll bе аblе tо give уоu ԛuоtеѕ аnd еxрlаіn thе guаrаntееd іѕѕuе аnd undеrwrіtіng guіdеlіnеѕ.

All seniors аrе рrоbаblу searching for thе ѕаmе thіngѕ. Thеу wаnt thе bеѕt соvеrаgе fоr the lоwеѕt price. Furthеrmоrе, they wаnt to vіѕіt thе dосtоrѕ and hospitals thеу fееl will offer thе highest quality саrе. Medicare Suррlеmеnt Plаn F is аlmоѕt аlwауѕ thе bеѕt аnѕwеr, but іt greatly depends оn оnе’ѕ budget and lосаtіоn. It іѕ important tо consider аll options bеfоrе making a purchase.


What You Need to Know After Turning 65

When you approach your 65th birthday, you have to consider what you will do about Texas Medicare insurance. With regards to Medicare insurance, the decisions can be somewhat befuddling. There are four Parts to Medicare. Section A gives coverage to hospital administrations and remains at gifted nursing offices, home medicinal services, and hospice mind. Part B covers medical costs, lab tests, and outpatient administrations. Medicare Part D takes care of the expense of prescription medicines. The latter is Part C. This type of Medicare works much like a PPO or HMO does. A great many people pick to run with Part An and B. Some add Part D to the blend also.


Parts An and B don’t take care of all expenses related with medical care. Every one of them has deductibles, copayments, and coinsurance related with them. To cover these extra out of pocket costs, the government approved supplement plans known as Medigap Plans. These plans are what numerous individuals consider as Texas Medicare insurance. These supplement arrangements enable individuals to take care of the extra costs they may experience after a mishap or serious sickness. While thinking about Medicare, you need to consider whether you require a supplement strategy or not. The most famous Medigap strategy is Plan F and much of the time this plan will get any extra charges, including over charges known as overabundance charges. Most circumstances seniors on Plan F see no cost for their medical treatment.

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Outside of Medicare Parts An and B, private insurance organizations like Humana, Mutual of Omaha and Blue Cross Blue Shield of Texas, just to give some examples, give everything else identified with Medicare. Insurance organizations oversee Medicare Parts C and D arrangements. Part C is otherwise called Medicare Advantage Plans. They likewise deal with all Medicare supplement or Medigap plans. You pay premiums for a wide range of Medicare coverage, including Parts An and B. If you have a Part D strategy, that charge is separate from different parts of Medicare. Also, supplement strategies are another premium charge every month. When taking a gander at Texas Medicare insurance, you have to consider all the premiums, deductibles, copayments, and coinsurance charges in your estimations.


What else do you have to think about Texas Medicare insurance? All strategies offered by privately owned businesses come at the premiums they decide. While Texas law gives some direction, your age, area, and wellbeing can influence your premiums. Similarly as with most different sorts of insurance, previous conditions can be a factor too unless you are in your underlying enlistment period or some other uncommon ensured issue period. Premiums for Parts An and B originate from salary computations dictated by the national government and most seniors are given Part An at no cost. The rest are helpless before the medical insurance commercial center. It is best to invest a touch of energy before your 65thbirthday looking at the choices accessible to locate the best fit for your circumstance and spending plan. By your birthday, it should all be set.


This Medicare labyrinth is confounding, before influencing tat to long befuddling trek yourself it is constantly prudent to counsel with either a trusted learned companion or an authorized medical coverage pro, this isn’t something you need to commit errors on.

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When young there are those fun and jumpy types of travel that one will always long for but as age sets in, the interests change and as such the fun you used to have in some travel also changes.

The below are among the five most recommended types of travel that seniors would enjoy and keep it in memory because they better fit them.

  1. Travelling by train

One of the most amazing tours is the train tour. Seniors will enjoy the convenience of trains and especially when passing through slopes, valleys and also hills that are not available during the standard vehicle drives. They also move through tourist’s destination like for instance I Kenya, they pass through the Maasai Mara and can view one of the seven wonders of the world of wildebeest migrations which often relaxes the mind of the seniors and make it a memorable event.

  1. Voluntary Travel

Seniors feel that after retirement, that would be the most conducive time to give back to the society and one of the great ways to give back is to voluntarily offer tours to the community as a way of passing a message that even when the young generation become of age, they should also give back to the society. It, therefore, becomes a way of training the younger generation of what they should do after they retire.

  1. Cruise travel

Travelling by boat and enjoying the beautiful sceneries of the ocean and the beaches around would rekindle the mind of seniors to remember of their youthful days when they could spend time swimming and play all around with the energy they had at that time.

It would also be an appropriate time to view the boat and jog the mind by ensuring that they have reminded themselves of the different parts of the ship.

Visiting some of the cities that are islands by cruise also becomes a fantastic event as the seniors get to know new places that they were not knowledgeable of when young.

  1. Travelling in a small group

When travelling in a small group let’s say of about 12 people, it adds all the fun since the tour guide will be able to pay attention to the senior’s questions and this will end up offering freedom to them.

They will be exposed to new experiences that when if the senior was alone or in a huge group who may quickly lose focus.

There are a few companies who give seniors educational trips just to help revive their knowledge and keep their minds alive. They can decide to travel to far countries or just travel within but on a mission to educate and instill knowledge to the seniors.

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Plan after retirement Health Costs with Medicare supplement plans

Planning ahead is a smart work especially before your retirement. It is important to plan health-care costs as these costs may be the biggest expenses faced after retirement. Learning to plan health costs based on the amount to pay for Medicare Supplement Plans 2019 premiums is mandatory. Besides also understand the plan available in the area you are living.


Parts A and B- Traditional Medicare

People eligible for the benefits of Medicaid and Medicare means Medicaid pays for the premiums such that the premium per month will be $134 for Part B. However, on meeting the eligibility, this premium is paid by Medicaid.


In certain situations, you need to pay Part B as higher premium and this is when your income is more as per your tax return. You may pay Part B premium high even if you do not sign for coverage on becoming eligible.


Medigap- Medicare Supplement plans

Medigap that are Medicare supplement plans are sold privately and are the optional policies designed to cover several expenses that go from the pocket. It is related to the Traditional Medicare coverage.  However, it does not include the drug benefits, though it assists in clearing of coinsurance, copayments and deductible of the Traditional Medicare costs.


The Medicare supplement plans are in 47 /50 states and each is designed with a letter. The 3 states are Wisconsin, Minnesota and Massachusetts. They also have Medigap plans, but have an individual set. However, regardless of the place they live, once enrolled in Medigap implies paying for Part B Medicare premium is a must.


Medigap plans supplement the Traditional Medicare, but are not working with Medicare Advantage plans.


Keep away from late-enrollment penalties

There are beneficiaries that get enrolled automatically into the Original Medicare on turning 65 years or even on receiving the disability benefits of Social Security for 24 months and this is applicable for people have ESRD, end stage renal disease.


People who do not get enrolled automatically in Part A Medicare and also fail to sign up during the enrollment period of seven months initially, may be liable to pay a late enrollment penalty.  Actually once an individual is 65, he or she gets three months ahead and later including the birthday month, making a total of seven months period to enroll.


Beneficiaries ineligible for Part A Medicare premium-free  and also do not sign up during eligibility period are expected to pay monthly Medicare 10% more and this is twice the years of Part A they could have enjoyed, but failed to sign up.  For instance, if a person is eligible for two years for Part A, but failed to sign up means, you pay for the next four years high premium.

Investing for Retirement

Contrary to common belief, it is never too early to start planning for retirement. Social Security as a sole means is rarely enough to support you and should not be given due importance as your prime source of retirement income. Whether you are planning to take a trip around the world, employ an expensive new hobby or even take on active adult retirement at a senior citizen retirement home, you will need money to fund this lifestyle.

Start early- Starting to save small amounts from as early as your 20s can help you to accumulate greater wealth in the long run.

Invest aggressively- In order to earn a substantial amount for your retirement, it is essential to invest aggressively. The developing power of stocks will allow you to build and amass a huge portfolio especially in a bullish market. In the event of the market performing averagely or poorly, you may experience a shortfall during your working years, but once the withdrawals begin, the stocks’ growth potential will triumph, justifying your aggressive investing strategy. The reason for this is in the long term, stocks provide more inflation protection than bonds which prolongs the duration of your savings.

Earning Power- Besides stock investing for retirement planning, one must also think of extra earning power by working in some capacity during the retirement phase. Whether it is a new career, part-time job or a new entrepreneurial venture, the earnings from these will prove to be sizeable. It also reduces your withdrawals from investments and savings as you will now have the extra paycheck to dip into for daily expenses.

Home Equity- If you have invested in a home, over the years, you will be more likely be sitting on a goldmine of home equity. It may not be the first asset that you would want to use up, but it is a good back up. Moving to a less expensive home, borrowing a home-equity line of credit or taking out a reverse mortgage will allow you to stay in your home along with monthly payments throughout your retirement.

Managing your spending- Keeping in mind your retirement calculations, it is imperative to manage expenditure wisely once you have started tapping into the retirement investment portfolio. It keeps you well within your retirement planning schemes and allows you to live well during the golden years.

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Employer’s 401(k) – This is one of the best retirement planning tools. Not only can you make pre-tax contributions, thereby reducing your taxable income, but the earnings grow tax-deferred until retirement. Several employers may match a portion of your contribution.

Individual Retirement Account (IRA) – A traditional IRA allows pre-tax contributions to grow tax-deferred. This means that you don’t pay taxes until such time that you make the necessary withdrawals. Thus, the amount you would have paid in taxes earns income from the time you contribute it until you take it out.

Obviously, there are no guarantees with anything and so also retirement planning can be a gamble if not planned for prudently. But if you are determined to save, a flexible approach and a firm resolve will provide the requisite retirement benefits that will help you to lead a stress-free and financially secure life.





The ABCs of Medicare Supplement Plans

Part five: Medigap Guaranteed issue trial rights and proving you have Medigap guaranteed issue rights

You already know what rights you have once you buy a Aetna Medicare supplement Plan G and in what situations you can apply for a Medigap policy in case you missed the 6-month enrollment period. However, there are a couple more situations in which you can enroll to a Medigap policy outside the 6-moth enrollment period. In this article we will cover these situations, which are related to Medigap guaranteed issue trial rights; what documents you need to prove you have Medigap guaranteed issue rights and advice in case you are in any of the situations.

As it was previously said, the Medigap guaranteed issue rights are the rights you have when applying for a Medigap policy that protects you from being denied coverage, by federal law. It was also said that there are certain situations outside the 6-month Medigap open enrollment period when you may still be able to get a Medigap policy if you are 65 or older, according to Medigap guaranteed issue rights. Along with these situations, there are additional ones in which you can qualify to get a Medigap policy outside the enrollment period.

These additional situations are contemplated in the Medigap Guaranteed issue trial rights. Trial rights allow you to buy a Medigap policy or switch back to it during the first year of joining a Medicare Advantage plan or buying a Medicare SELECT policy (a Medigap policy that limits your coverage to a network of doctors and hospitals).


You qualify for these rights in the following situations:

  • You joined a Medicare Advantage plan or Programs of All-inclusive Care for the Elderly (PACE) when you were first eligible for Medicare Part A at 65 and within the first year of joining, you want to switch back to Original Medicare. In this case, you are able to get any Medicare Supplement Plan available in your state.
  • You dropped a Medigap policy to join a Medicare Advantage plan or buy a Medicare SELECT policy for the first time, and you have been in the plan less than a year and you want to switch back to Medigap. In this case you are able to get the same Medicare Supplement Plan you had before you joined the Medicare Advantage plan or Medicare SELECT policy. If the same insurance company you had before does not sell that plan anymore, you can buy a Medigap Plan A, B, C, F, K, or L that is sold by any other insurance company in your state.

In both cases above, you must apply to the Medigap policy as early as 60 calendar days before the date your coverage will end and no later than 63 calendar days after your coverage ends. There is also the possibility that your rights may last for an extra 12 months under certain circumstances.

Am I able to get a Medicare Supplement Plan if I lost or dropped my health coverage?

If you lose or drop your health coverage, you may have a guaranteed issue right to buy a Medigap policy. In this case you need to prove that you have a guaranteed issue right and in order to do that, you need to send with your Medigap application, a copy of the following documents: any letters, notices, emails and claim denials that have your name on them to prove that your coverage is being terminated with the postmarked envelope these papers come in to prove when they were mailed to you. So make sure you keep all these items when you get Medicare because they could be really useful in the future.

Please take into consideration that the situations and rights above are from federal law and depending on the state you are in, there could be more rights.

Why It Is Important To Get a Medicare Supplement Plan in Right Time

Medicare health insurance plans and Best Medicare Supplement Plans 2018 are designed to suit people above 65 years of age and people with disability. An excellent set of government authorized health insurance plans to suit any kind of requirement of yours. There are 12 plans in the set of policies to match any medical requirement of yours. You can choice any one of them and even go for a switch over anytime you need.

Before you go for any conclusion you need to know that health insurance is necessarily not an extra burden for you. With a limited income in the old age you have to be prepared that your medical bills will only do higher day by day. In such condition if you have to pay a huge amount all of a sudden for any treatment, then you have to get money from your savings. As a matter of fact your hard earned money will go in vain if you do not opt for a proper health insurance when you get the opportunity.

It is a wise option to be prepared for the uncertainty and your increasing medical expenses as soon as your clock starts ticking. You may not be aware that investing in Medicare supplement plan is beneficial for you. Here are some of the benefits listed for you.

  • All your medical expenses are covered: as a government authorized insurance policy Medicare supplement plan takes care of all your medical expenses from hospitalization to doctor’s fees and medicine costs. Everything will be taken care of through a crossover system. All you need to do is show your health insurance identity card.
  • No thought about huge medical bills will bring mental peace: this is a great deal. Mental peace is very important when you’re going through a bad time with health problems. Now with a health insurance you can be assured that you have paid monthly premiums just to get the benefits on time. So you can go through tough times peacefully without giving a second thought about expenses. Even you do not have to go for copayments. They will pay up the total bill.
  • You can have your own choice: unlike a private insurance policy Medicare supplement plans are not network based. This means you can go to any doctor and to any hospital throughout the country for treatment. No need to worry about medical bill payments.