Ways to find amazing senior discounts and budget travel for seniors options

Ways to find amazing senior discounts and budget travel for seniors options

Travelling after retirement is what every senior does in order to enjoy their life to fullest. Most seniors want to travel to their favorite places but they cannot effort luxurious travels and they think it is too expensive for them. So here are some tips if you want to travel on low budget and to have discounts. Sign up or at get a 2020 Medicare advantage plans comparison to plan ahead.

  1. Look for organizations that offer discounts for seniors

If you want to travel on low budget then the first thing you need to do is to find those organizations that offer travel for seniors discounts. This way your budget for travel will get low, look for plans for seniors, some organizations gives you discount on hotels, air flights and other materials also. So the first best thing to do will be to look for these types of organizations.


  1. Consult a travel agent

Try to get in touch with some travel for seniors agents they will give you all the updates about new low budget fights, hotels, destinations and many more. Better for you to consult and agent first and start planning then. This way you will know about your budget and the cost it is going to take for the travel and you will be prepared.


  1. Be flexible on dates

Always be flexible on dates of your travel if you book the tickets early for a flight you are more likely saving your money coz the tickets will be high on demands if you do not book early. The 2nd thing you can do is to book your tickets of the vacations, at that time the demand is too low and other expenses will be less. Know that when the demand is high the rate is high so plan accordingly.


  1. Look for free and low cost attractive places

Visiting local tourist places will help you to save money on travel for seniors. And always check if there is any discount on other tourist places for seniors. Most of the time there are places that offer discount for seniors and you can take advantage of that. There are also some cities that offer a free pass card for seniors, you can look into that.


  1. Travel during less popular time

Demands are much higher during tourist sessions and that is the very much reason for high ticket and hotel prices. If you are on a low budget try to travel in a less popular time. That way when you travel the rush will be less and you will enjoy better than others. This tip is surely going you to save money.  So, these are some tips for low budget seniors and finding discounts. I hope it will help you for sure.


How to finance senior living?

How to finance senior living?

In this world there are more than enough resources available than you think that will help you to live senior living. If you are helping your parents or nay family member to move into more senior living there is a lot to think about. From quality care to location, personality, every community is different than the other depends on which type of society you want. You need to find a society that is more fitted to your living and comfort. After there is how you can afford that living. You need to make every move carefully and very precisely so that it will be best for your future. Here are 5 tips that will help you in financing a senior living.

  1. Plan ahead for your future

It is better to start planning sooner than later don’t wait until it is an emergency because it will be too late then. You don’t know what will happen tomorrow you have no idea when an accident can happen or someone gets seriously ill. So start planning from now, you do need to get emotional think about your partner, talk to your loved ones think about them so before its too late your need to start planning and creating a financial assistant. Better to have a plan that everyone is aware of. Get a 2020 Medicare advantage comparison to add to your portfolio.


  1. Understand the costs of senior living

When you start planning you need to look at your current budget and then think about how are you going to manage the finance of senior living. First you need to look at your current expenses of your family and then you need to compare that to the community that you prefer. This way you will be prepared on how things are going to be and you will also plan in that manner.


  1. Afford assisted living

Assisted living is more important that other resources as it help you in many ways than you can count. Mostly seniors prefer veteran benefits or private means without even realizing it. But there are other options available than those like tax exempt family gifting, long term care insurance or maybe even selling live insurance policy.


  1. Be transparent about the financial reality

Be open minded about your planning, open books, involve your family and then make decisions this will help you in understanding others opinions and make decision better. It will mostly avoid conflict between family members. So always do listen to them on how your parents or family members envision their future.


  1. Talk to a professional

This is the most important part where maximum people fail always consult a profession financial advisor so that he will guide you in a better way possible. Talk with him and mutually plan about future that you want to build for your family and yourself. Talking with your lawyer financial manager will definitely help you to make a better plan for your future. So this is it I hope this article will help you in planning your senior living for future.

Top cruise tips for senior travelers

Top cruise tips for senior travelers

Cruises are much more fun to travel in. (Travel for seniors) Traveling on a cruise gives you calming and soothing sensation and that’s why some senior travelers prefer to travel in a cruise. But there are some things that they need to watch while traveling on a cruise. There are some certain things seniors need to watch out for while going on a cruise trip. So, here are some “travel for senior” tips that will help them in their journey in the cruise.

  1. Find a ship that is comfortable for you (Travels for seniors)

As a senior traveler you need to find a ship that is more suitable for you guys. Being on a cruise with family is much more enjoyable than any other trips you can experience. You have more time for relaxation, activities, and fun excursions. If you are with a full family prefer a ships whose length will be short, do not think that it is not going to give you facilities. Short cruise is more feasible for everyone involved, even just a few days on board will give you wealthy of activities and enjoyments with full of memories.

  1. Plan activities for whole family

Try to plan everything early and with everyone. Know the whole requirements of family, some family members might want to do their own thing. So disusing it with them will help in easing the trip plan with a lot of mixed activities and family enjoyment “Travel for seniors”. There are cruises that offer many activities and entertaining for all ages like variety of shows, musical performances, dances, with playing activities and much more.

  1. Medications and preparations

Cruise ship is able to handle some minor medical issues but they do not contain full pharmacy on board “Travel for seniors”. So senior travelers need to be sure to take their medicines with them in case of an emergency and they need to be more cautious about their health. The best thing for they can do is to prescribe a doctor before going to a trip. Consulting with a doctor will be much better and beneficial for them.


  1. Enjoy activities at your own pace

There is much more for senior travelers to do on a cruise than you can imagine so do not panic about anything enjoy your trip with your own rules. Do stuffs that you enjoy, live your life to the fullest and do not care what tomorrow will bring. Just enjoy the moment you are in and you will be happy. So these are some “travel for seniors” tips cruise travelers I hope this was helpful to you in every manner. And try to enjoy the trip.  

5 tips for protecting your finances as you grow older

5 tips for protecting your finances as you grow older

In today’s world, elder’s finance exploitation is a growing problem in mostly every part of the world. In America above 6.6% people older than 65 have lost their money to exploitation, fraud, and theft. Elder financial exploitation is emerging as the most prevalent form of abuse in many parts of the world. So to keep you money safe from these thefts, here are 5 tips to protect your finances as you grow older.  In addition, get 2020 Medicare advantage plans comparison to protect yourself with good coverage.

  1. Automate your finances

Finance automation helps you in creating positive long term habits while fighting the temptation to turn aside from your financial plan. It often becomes difficult for elder people to handle their finances as they physical strength declines. For this reason seniors should automate their finances. They should have pension funds, social security and disability payments deposited directly into their bank accounts. Regular bills like utilities, insurance and mortgage or rent payments should automatically come through your bank account on each set days of the month. That’s why elder people should automate finance because it will help them to use their money easily, safely and they could even keep the track of their money.


  1. Avoid using cash

Keeping large amount of cash in the house is not advisable coz it will be easily accessed by other people so you need to be careful about that. Using credit card is better as it provides electronic record of when and where money was taken out. And this is far more valuable than you think, if anyone fraudulently purchases with your card “paper trail” can help law agencies to identify the culprit and recover your money. Credit card companies are being more careful about their security of their customers account they decline any unauthorized changes in the person’s account and by this your money remains safe


  1. Require an authorized signer

Setting up an authorized signer on your bank account helps you to protect your finances. Authorized signer has the authority to sign checks, make deposits and withdrawals on behalf of account holder. This helps in balancing the activity of the account and the account remains safe. But the condition is that the authorized signer must be someone you trust the most so that he will take care of your account.


  1. Establishing power of attorney

Establishing a power of attorney simply means that you put a person in charge of all your financial affairs, including your property. These agents whom you give the power of attorney can access bank accounts, file tax returns, deal with insurances, ,and mostly manage investments. This power of attorney is often used when a person lacks the mental ability to make decisions or can be any cause of illness.


  1. Get annual credit report

Annual credit report will help you to maintain your records over your finances so that you will be safe from any fraudulent activities of your account. Credit card Company on your behalf can put a hold to your card if you feel any insecurity. And these days it has become very easy to access your account and look into your reports so this way you will keep your money safe.  So these are some of the best ways to keep your finances protected.

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 www.bestmedicaresupplementplans2019.com/ 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.