Medicare Part D vs. Humana Medicare Advantage?

Medicare Part D vs. 2019 Humana Medicare Advantage?

If you have been told about Medicare, you know that Medicare insures some of your health care and names them alphabetically. Medicare Part A is health insurance. Medicare Part B is medical insurance.

Medicare Part D is also known as prescription drug plan. Medicare Part C (a.k.a. Medicare Advantage) is one way to get Medicare Part A, B and D benefits in a single policy. The prescription of Medicare Part D for prescription drugs is generally included in Medicare Advantage policies. According to Kaiser Family Trust, about 88% of Medicare Advantage policies in 2017 offered coverage for prescription drugs.

What is Medicare Advantage?

It is a Medicare insurance offered by private insurance companies that subscribe to Medicare. Medicare Advantage policies must insure everything that Original Medicare insures (Part A and B). In addition to the supply of prescription drugs, Medicare Advantage policies often offer additional benefits, such as:

What is Medicare Part D?

Part D of Medicare is coverage for prescription drug. You can buy Medicare Part D through a single policy or through a Medicare Advantage policy. If your Medicare advantage policy includes prescription drug insurance, you will not be eligible for a separate Medicare Part D prescription drug policy at the same time. The independent prescription drug policies for Part D are usually combined with the original Medicare insurance.

All Medicare Part D insurance is provided by private insurance companies instead of the federal government. The government’s Medicare program, Original Medicare, does not insure most of the prescription drugs you take at home. Generally, you only receive the original benefits of Medicare prescription drugs if you get them as an inpatient or as an injection in a doctor’s office. There may only be other situations in which Original Medicare pays for prescription drugs. Without Medicare Part D, you may have to pay most of your prescription drugs out of your pocket.

How does a Medicare Advantage policy with Medicare Part D insure my prescription drugs?

Prescription drugs insured by your Medicare Advantage policy are listed in the policy formula or on the list of insured drugs. If a prescription drug you need is not included in your Medicare Advantage policy’s prescription form, you can seek insurance or change policies during the open enrollment period, October 15th through December 7th of each year. Medicare Advantage policies generally set the insured drugs at levels that can be used to charge for a variety of prescription drugs. Level 2 prescription drugs generally cost more than level 1 prescriptions and so on.

For example, for a 30-day delivery of your medication, you could pay:

  • Level 1 (Preferred Generic) $ 10.00 co pay
  • Level 2 (generic): $ 17.50 co pay
  • Level 3 (preferred brand): $ 45.00 co pay
  • Tier 4 (Non-preferred drug): $ 95.00 co pay
  • Tier 5 (Specialty Tier) 33% co insurance
  • Level 6 (selective care drugs) $ 10.00 co pay

Do you want to find a Medicare Advantage policy near you that treats Medicare Part D for prescription drugs? Simply enter your zip code on a Medicare website to start the search.

Summary of Medicare Part D Benefits For 2018 Pt 2

Summary of Medicare Part D Benefits For 2018 Pt 2

Deductible: In 2018, no Medicare prescription drug policy can have a deductible of more than $405. However, the actual deductible depends on the policy you have chosen. Many policies have a deductible and, generally, you pay all the costs of your medications up to that amount. Some policies do not have a deductible (so-called $0 deductibles), but these policies may have higher premiums and/or co payments and higher coinsurance amounts.  Find out how plans for blue cross blue shield advantage can save you money.

Initial Insurance Stage: Once you have reached the Deductible Amount, you will pay a coinsurance or coinsurance in the first phase of insurance until the total cost of the prescription drugs (including the amounts you paid and the amounts paid by your plan) reaches the deficit, 2018 at 3,750 USD. The Medicare Part D insurance gap is also known as the “uninsured period.” Not all policies have an insurance gap or a period without insurance.

Deficit: if a policy has a deficit, it will start when you leave the initial insurance period and end when you spend $ 5,000 on the allocation in 2018. When you reach the 2018 gap, you usually pay 35% of the cost of your prescription brand policy and 44% of the cost of your insured generic policy.

Under the terms of the Affordable Care Act, there will be additional discounts for the insurance gap each year until the year 2020, when the insurance gap closes completely, and you will have continuous insurance of Part D drugs of Medicare.

Catastrophic insurance: In 2018, if you reach the disbursement limit in the insurance gap (i.e. $ 5,000), you are entitled to catastrophic insurance. In this phase, you pay only a small co insurance or co payment for the insured drugs for the rest of the year.

Does Medicare add an additional cost to the cost of Medicare Part D for prescription drugs?

If you qualify for a Medicare Part D prescription drug policy and qualify for help, you can get additional help from Medicare to pay your monthly premiums, annual deductibles, and prescriptions. The amount of help depends on your resources and income.

To become eligible for the Extra Help program, you must:

  • Live in the District of Columbia or one of the 50 states.
  • Comply with the annual limits of income and resources that may change from one year to the next.

Depending on your income and assets, you may be eligible to receive full or partial additional assistance. You can contact Social Security to get the most recent eligibility information and to see if you are eligible. You are automatically eligible to receive additional assistance if you have any of the following:

  • You have full Medicaid insurance.
  • You will receive support from a Medicare Part B Medicaid Part B reimbursement program funded by the state.
  • You get additional security (SSI).

If you qualify automatically for additional help due to any of the above situations, you may not need to submit an application. Medicare will send you a purple message to inform you that it will automatically qualify for the program.

Paying For Dental Services

The teeth are among the most easily seen parts of the body. Obviously they help to express joy through laughing and smiling. However, an individual can only smile with confidence when teeth are attractive and white. Individuals with discolored teeth lack self-confidence. Most individuals have desperately searched for teeth whitening methods. The best out there is spa-dent.  The notch completely removes stains and discoloration in a short time. In addition, the spa has no side effects. Patients will not experience tooth sensitivity during and after the procedure. The whitening gel used to whiten stains also prevents tooth decay.  Going to the dentist is necessary to maintain oral health. However, for many people, it is not easy to have the funds to pay for appointments or more invasive procedures that are not insured. Do not leave without a visit to your dentist. Before you discover that you reject it and make your oral health suffer, you should consider the options available. There may be more than one option that suits your situation.

Insurance and its coverage

One of the most common methods to pay for an appointment with a dentist is dental insurance. If you have your employer, you can have comprehensive policies. On the other hand, you may want to consider adding an additional policy. That could save you money. For children and some adults, Medicare or Medicaid can also provide dental care. If you have these plans, first determine where you can go and what services will be covered first. Find out how a 2019 United healthcare advantage plan can benefit you.

Consider a payment plan

Many providers of dental services will have third-party financing companies that help people pay for more expensive procedures over a period of time. You can request these financing options when you visit the dentist. For some, you can also apply in advance. This can help you feel better before going to the office. You can also find online debtors for dental plans online. This can help you get attention at a reduced price. Ask the dentist directly  Sometimes you do not need external lenders. Some dentists offer internal payment plans. This is especially possible for those who have a long relationship with the provider. If you do not ask, you do not know if it’s an option.  Second, ask for a discount. Tell the dentist that you are not taking any insurance and ask for a lower price, because you can pay in advance for the services you need. Sometimes, he is more than happy to offer this option with a big discount just because he is a good patient and pays his bill in advance.  Do not give up on the dentist because you are thinking about financing. Even in emergency situations, many dentists will work with patients to find the best solution for them. The key is to ask here. Discuss the financing options available to you through your dentist. Take the time to discuss your needs at the time of the appointment, not after seeing the provider. This type of planning can also help dentists feel better.

Top 3 Ways That Can Help Elderly Manage Pain

Top 3 Ways That Can Help Elderly Manage Pain

  1. Try various sensations

Most seniors have found the application of cold & heat to be quite beneficial in managing their pain. Normally, heat tends to soothe tense muscle tissues whereas cold is likely to work best when it comes to easing inflammation. For seeing what can work best for you, try to experiment with both cold as well as hot packs on the regions which hurt maximum. Make sure that the temperature stays under your control and does not reach levels that might be unsafe for your body. Also, try to take small breaks for avoiding any unnecessary damage to your skin. Massage might also aid in the long run, however, it needs to be done by an experienced professional who is fully aware of your health problems.

  1. Distracting Tasks

Distraction can be effective in helping seniors tackle physical & mental anguish. For example, seniors who’ve undergone a surgery are likely to experience some pain and discomfort after the procedure. Planning a safe & enjoyable activity in such circumstances is likely to keep you distracted from the pain associated with the surgery. Other things like watching funny movies together with your loved ones might also help you stay positive & keep you distracted from the pain until you begin feeling better.

  1. Ergonomic Products

A number of products are available today which can assist seniors in getting rid of the pain which might arise due to their inability to keep the limbs in appropriate position or bad posture. For example, ergonomic chairs allow you to get rid of the stress which you might be feeling on your legs or back. For eliminating night-time pain, additional ergonomic products for instance pillows might also prove beneficial. Standing desks might be suitable for those who are unable to sit for extended periods comfortably but enjoy drawing or writing. Utilizing products which enable you to keep your spine along with other joints in the right alignment can help reduce several types of pains right from their source.

Medigap Coverage for Elderly:

Lately, a number of seniors are opting for Medicare supplement plans since they help significantly minimize the costs which are not covered under Original Medicare Plan. So, if you’re considering a coverage which can go parallel to your Original Medicare policy, Medicare Supplemental Plans might be an ideal choice for you.

Medicare Supplement For Below 65 and Disabled in Connecticut

You may be able to purchase a Medicare supplement policy if you are below 65 and physically challenged in Connecticut.  Medicare supplement if you are below 65 and physically challenged Connecticut.  Normally, both Medicare and Medicare supplement drugs apply to people over 65. Some people are eligible for Medicare before age 65 because they have a disability. Therefore, if you are below 65 and disabled, you may be able to buy a Medicare supplement plan.

While not all states offer supplemental Medicare (Medigap) plans to Medicare beneficiaries below 65 and are disabled, Connecticut can do so. In general, persons who are beneficiaries of disability benefits from the Retirement Board of Railroad or Social Security Administration for 24 consecutive months are automatically enrolled in Medicare Part A and B. If this situation applies to you and you reside in Connecticut, you may be eligible to purchase a Medicare supplemental policy even when you are below 65 and disabled.

Why supplemental Medicare plan if I am below 65 and disabled?

Best Medicare Supplement Plans 2020A major benefit of Medicare supplemental insurance is that this plan can help pay for the services included in Medicare Part A and B. Some examples of these costs include deductibles, co insurance, co payments and hospital costs after you have used Medicare. Days and costs for qualified care facilities. Some supplemental Medicare plans may include emergency medical services when you travel abroad (80% for approved services, up to the limits of the plan). The benefits can be useful if you are below 65 and disabled.

What supplemental Medicare plans are available when I am below 65 and disabled in Connecticut?

If you are below 65, as a beneficiary of Medicare, you might be eligible for a 2020 Medicare supplement plan. In general, the 3 plans available in Connecticut, if you are less than 65 years of age and disabled are Medicare Supplemental Plan A, Plan B, or Plan C. All of these three types of Medicare Supplement Plans generally include “Basic benefits” for Medicare Services:

  • Medicare Part A hospital co insurance and 365 day coverage for inpatient hospital care after you have exhausted Part A Hospitalization
  • All of Medicare Part B coinsurance that’s not paid by Medicare
  • First 3 pints of blood per transfusion per year
  • Medicare Part A hospice co insurance

Medicare Supplemental Plan B can also cover the Medicare Part A deductible. Generally, Medicare Supplemental Plan C pays the skilled nursing facility co insurance, the Part B deductible, and emergency medical care during a trip abroad in addition to the deductible and the basic benefits of Medicare Part A. You must have Medicare Part A and B to qualify.  If you are below 65 and have a disability, you may be wondering what the cost of Medicare supplemental plans is. In Connecticut, an insurer can’t generally charge for a Medicare supplement plan when the insurer pays a Medicare beneficiary who is at least 65 years of age just because they are disabled.

How to protect an older adult from future financial deterioration

There is an old adage that demonstrates the advantage of preventing as opposed to a pound of cure when things have gone wrong. Health approaches can delay or even prevent future financial decline for the older adults. The basic approaches in a brief sense include the avoidance of risky medications and otherwise reduce the risk of Alzheimer’s and cognitive impairment. It is however a good thing to note that seniors and families should pursue some financial prevention tactics as well. Some of them include the following. Get a medicare supplement at for next year 2019.

  • Encouraging older adults to simplify their financial lives.

The best time to start doing this is before retirement and therefore around the age of 60 years which is considered the prime age for the ability to manage finances to start to decline. The older adults may be more willing to do this if we collectively get better at educating people about how common age-related financial problems really are and how real they can be.

Address the issue of financial planning early

This could take the approach of incorporating legal tools such as the financial power of attorney. This will serve as a shield and weapon during times of vulnerability.

  • Authorize attorneys and financial planners in advance on what to do

The instructions could be contacting a trusted relative or friend when the lawyer or planner suspects a decline in the financial abilities of the older adult. This will even make it easier for professionals to get the older adult’s care circle involved in good time rather than waiting for a financial disaster to happen.

  • Encourage the older adult to allow a trusted individual to monitor their accounts.

This could be a trusted friend or that family member most trusted. It could even be done by a professional like a fiduciary. This option is most ideal discussed and arranged in good time in advance. It is however important to note that the older adults tend to become defensive and sometimes even exhibit some paranoia particularly when they start slipping in a cognitive sense. This therefore makes it even harder to suggest to them their idea of having their accounts monitored by anyone.  It is now common knowledge that most of the older adults between the ages of 65 and above exhibit a decline in their abilities to manage their finances. Just as they would guide us in our young ages on how to do things, we should also be there for them when they are vulnerable.

Manage Health Care Costs with a Advantage Medicare Plan

Managing healthcare costs can be a major source of stress for many beneficiaries of Medicare. Learn how a Medicare advantageal plan can help you with costs so you can get the treatment you need and keep medical costs under control.  Why is it important to control the cost of medical care?  If you have a condition that requires ongoing treatment, you may have first-hand experience on how your medical expenses can skyrocket quickly. Suppose you have diagnosed cancer and need chemotherapy three times a week. If you pay co payment of $ 20 per visit, you will spend $ 60 each week and $ 3,120 in one year. This does not even apply to other services you may need, such as visits to a doctor or lab tests, or treatment of health problems not related to your cancer.

The cost of chronic diseases, such as diabetes, can be overwhelming. New York Times has it that people with diabetes spend an average of $ 6,000 yearly to treat their condition. The same article cites these amazing statistics from the Centers for Disease Control: on average, diabetic patients spend twice as much on medical costs than non-diabetic patients, and these costs are not included in the cost of common eye complications, heart problems, or liver damage. One reason that costs can quickly get out of control is the fact that many chronic diseases are often associated with higher rates of comorbidity, which means that at the same time they have more common diseases. For instance, according to the CDC, persons with arthritis usually have conditions such as obesity, heart disease, and diabetes. As regards managing health care costs, this implies more visits to the doctor, tests and medications to treat each of the medical ailments.

Manage your health care costs

The proactive management of health care costs requires planning and some foresight. It might be difficult to predict where your health will be in 5 or 10 years, but there are actions you may want to take now to keep your medical expenses under control:

Prevention is the key. The best way to keep health costs down is to stay healthy as long as possible. Medicare offers a wide range of preventive services, which include screenings, annual “wellness” visits, and more.  Find out if you are eligible to receive financial support. If you have limited income, Medicaid and Extra Help can help you manage health care costs, such as Medicare premiums, co payments, co insurance, and deductibles. Contact your state’s Medicaid program to find out whether you qualify.  Do not wait until you are sick to get coverage. You may think you can save money if you can do it without coverage, but it could cost more in the long term. Most health plans include preventive services, such as checkups and annual check-ups that detect problems before they go out of hand.

Health costs and Medicare advantage coverage

If you are a Medicare beneficiary, you know that Medicare covers a variety of hospital and medical expenses, but it does not cover everything. Enroll at for 2019 advantage plans, which save money.

Medigap Insurance of Pre-Existing Conditions

Medigap Insurance of Pre-Existing Conditions

People often ask when is the best time to enroll in a Medicare supplement plan 2019 (Medigap). My answer is always the same: if you want to have most of the policies available, and especially if you have health problems, you must enroll in a policy the first time you are eligible for your Medigap enrollment phase. This is the period during which you have guaranteed issue rights, and Medigap insurers cannot refuse coverage, require a medical subscription or charge you a higher premium if you have health problems.

The open enrollment period of Medigap will start automatically when you are at least 65 years of age and you have Part B of Medicare. Outside of this period, you have guaranteed rights only in certain situations.  It should be noted that Medigap insurance, even if registered with guaranteed issuance permits, may mean you can wait up to 6 months before you meet your current conditions. Pre-existing conditions are health problems you had before you started the insurance policy. This delay in coverage is known as the existing conditional waiting time.

If you have guaranteed the issue rights, federal law prohibits the insurer from denying you coverage or allowing you to wait until your Medigap coverage begins. However, many people are surprised to know that there is a wait before certain conditions are met, even if they sign up during the open phase of Medigap registration.

Under the Act, supplemental Medicare policies may delay coverage only for health conditions diagnosed or treated within 6 months prior to the start of the Medigap Directive. This is called period of look back. This is the time when a Medigap policy will “look back” to delay insurance for some health conditions.

During this 6-month waiting period, you are still insured for all of the Medicare-covered benefits you receive under the pre-existing situations of Original Medicare plan, Part A and B, out-of-pocket costs such as co payments and co insurance if you seek treatment for an excluded condition. At the end of the pre-existing waiting period, the Medigap policy will cover the cost of these health conditions.  What does that mean to you? If you join a Medicare supplement policy and have recently been diagnosed with health in the last 6 months, you should find out if the Medigap Policy requires an existing condition. If so, you may want to budget a backup and co insurance cost, since the policy may not cover the cost sharing for up to 6 months. If you change the Medicare supplement policy and your brand new policy delays insurance for pre existing situations, you may need to schedule medical appointments and treatments for those conditions before changing the policy, if possible.  Terms and changes in Medicare supplemental policies  If you switch from one Medicare supplemental policy to another, keep your current coverage until your new Medicare supplement policy confirms the validity of your coverage.  The descriptions of products and services provided on the Medicare websites do not constitute sales offers or requests related to a product or service.

Tips to Prevent Hip Fractures Among Senior Citizens

Hip fractures normally may occur when the femur that’s situated below your hip joint breaks. The cases are more common in women who’re 65 and above. Such a type of fracture typically results due to the weakening of bones by osteoporosis.

Follow an active lifestyle

Following a strict workout or training program can boost the cardiovascular mechanism, enhance reflexes, overall strength & balance in seniors. Also, exercise are ideal for improving your bone strength. Doctors suggest resistance workouts & walking to boost bone strength. Yoga & Tai chi can also be a great option for increasing flexibility & balance.

Adequate illumination

As we age, a number of changes in our vision start to occur naturally. A reduced ability to differentiate between various light shades is one of them. If the light is too low, it can increase the odds of falling among seniors. Thus, it’s crucial to setup overhead lighting & installing night lights as required. A flashlight nearby your bed can help illuminate the path in case you need to go to the bathroom multiple times during the night.

Suitable Footwear

Seniors with osteoporosis may lose the strength in their bones which increases their odds of tripping over. Older women especially must try to avoid high-heeled shoes which may affect their body balance & increase the probability of falling or worse a lifelong injury. Low-heeled footwear which offers sufficient support & come with rubber soles can be a perfect option for elderly women. Also, it is better to wear shoes while you’re indoor as just wearing slippers/stockings might result in falling or a major injury.

Ensure healthy bone density

Elderly must also consider evaluating their bone density from an experienced professional. In case it’s found that your bones don’t have optimal density, a physician will typically suggest calcium pills along with other medicines which can help improve the density.

About Medicare advantage Plans  for 2019:

Also mentioned as Medigap plans, they are offered by private insurance agencies in order to bridge the gap present within Original Medicare Part A & B. Medigap plan helps you cover the 20 % costs which Traditional Medicare policy does not cover. The program can really benefit seniors who require frequent visits to the doctor due to multiple health issues and are unable to cover the costs of deductibles, co-insurance, and co-payments on their Medicare-approved services.

Implications of ensuring older adult financial security

Research has shown that the ability to understand the concepts of finance and be able to apply them in the right way, peaks in the mid 50s and starts to drop by 1% every year once the individual has reached the age of 60. What is surprising is the fact that the confidence that comes with making financial intelligence as well as investing is constant even as the age increases.  It is important that older adults are empowered, especially because of the financial challenges they are facing today. There are numerous serious threats to the economic wellbeing of the senior members of society. Matters such as the housing foreclosure crisis, devastates communities and leaves millions underwater on their mortgages. Many scammers target older adults with predatory schemes that rob them of their hard-earned resources and wealth. Potential cuts to Social Security are looming. High cost pension advance products have caught the attention of banking regulators for the harm they bring to older adults. In the face of these challenges, financial institutions, government regulators and policymakers, and even the advocates have taken integral roles towards ensuring that older adults can live in economic security. And older adults should be empowered to protect themselves and advocate for better products, practices and policies that address their unique needs.

One important undertaking in the mission to secure the older adults financially is the work to make banking more age-friendly. Financial institutions can do a lot more to serve the needs of the older adult population, including improving access to bank branches for older adults, and providing financial products that better suit the needs of older adults and specialized fraud protection. The government and concerned institutions are working to promote age-friendly banking practices such as these that will benefit older adults.  There should also be zero tolerance for any entity or individual engaged in activities that deplete the wealth or compromise the financial security of older adults. Get a 2020 supplement plan at to have health coverage.

Federal and state regulators, law enforcement agencies, and financial institutions have critical roles to play here. Regulators should provide more robust and timely data and analysis of older adult fraud and abuse trends. In addition, regulators should continue to develop sophisticated trainings on detecting and reporting fraud and abuse for consumers, financial institutions and other individuals working with older adults. Law enforcement agencies must work to crack down on scams and elder financial abuse. And financial institutions are particularly well positioned to detect irregularities and financial abuse of older adults and can be the first line of defense in preventing elder financial exploitation.