Showing posts with label insurance. Show all posts
Showing posts with label insurance. Show all posts

Monday, January 15, 2018

10 Medical Screenings You Should Have in 2018

If you have a New Year's resolution of improving your health, you may want to consider a few medical screenings to expedite the process. Many of these screenings can catch a health problem in the early stages, allowing you to take care of it fast.

Medicare Osteoporosis Screening

If you feel like you're not as tall as you once were, it may not be your imagination. Osteoporosis and other problems with bone mass can cause you to shrink up to two inches per year. When you see your doctor, ask about comparing your vital statistics from 2017 to see if there are significant changes.

Blood Pressure

A blood pressure check takes less than one minute and can help your doctor monitor your risk for stroke, kidney failure, or heart attacks. Blood pressure will often change gradually, so performing this screening annually can help you compare your numbers from previous years and catch any unusual patterns.

Cholesterol

As with blood pressure, cholesterol numbers may sneak up slowly, making this a good test to have performed every year. Not all cholesterol is bad, however. Your doctor will check both your HDL and the LDL levels.

HDL

High-Density Lipoprotein, or HDL, cholesterol is known as the "good" cholesterol. You want this number to be at least 60, as this particular cholesterol destroys the "bad" cholesterol. The more HDL you have, the lower LDL you'll likely have.

LDL

Low-Density Lipoprotein, or LDL, cholesterol is the cholesterol you don't want. This is the fat which sticks to your arteries. You'll want this number to be lower than 120 if you have no other risk factors for heart disease. If you have risk factors, you want it to be less than 100.

Dental Screenings
If you don't have much risk for gum disease, you may be able to have this performed once during 2018. If you have a history of periodontal disease, you'll want to see a dentist every six months. You'll want to see a dentist for more than just dental hygiene, however.

Dentists are able to catch early signs of oral cancer and infections which may cause severe health problems down the road. You can find more information on what dental expenses Medicare covers here.

Cancer Screenings

From mammograms for women to testicular screenings for men, annual cancer screenings are essential for those over the age of 65. They take little time and can provide early warning signs of cancer, allowing you to start treatment as soon as possible.

Vision Checks

Annual eye exams can help detect problems such as cataracts as well as glaucoma, allowing you to see clearly for years to come. In addition to preventing complications such as blindness, annual vision checks can help prevent falls and the associated physical damage which can occur from them.

Hearing Check

An annual check of your hearing can catch signs of hearing loss at an early stage, allowing you opportunities to use hearing aids or other methods of assistance. You don't want to miss your grandchildren singing their favorite songs or talking to you on the phone, so make sure you can hear them clearly.

Diabetes

A yearly check of your blood sugar can detect signs of pre-diabetes as well as signs of Diabetes II. Untreated diabetes can cause kidney failure as well as blood flow problems, so early detection and a healthy diet is key to treatment.

Mental Health

In addition to your physical health, it's a good idea to have a mental health screening performed in 2018. Issues such as depression, anxiety, and mood disorders are not limited to young adults. Screening and treatment can help you enjoy your retirement years without the weight of mental health problems weighing you down.

Cognitive Ability

In addition to mental health, it's a good idea to have a screening to check your cognitive abilities. From memory to intelligence, you want to ensure your mental abilities are not declining with age. This screening can provide early detection of dementia or Alzheimer’s disease.

You're young enough to enjoy your retirement years. Consider taking advantage of these screenings to keep your body and mind healthy for as many years as possible.

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Medicare Part D Late Enrollment Penalty

If you are enrolling in Medicare, you may question whether you really need Part D prescription drug coverage. You pay a monthly premium for Part D, and it may feel like an unnecessary expense if you don’t take any prescription drugs. Or, you may have other prescription benefits and wonder if you need Part D…

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Friday, January 12, 2018

Medicare Beneficiary Kidney Disease Education Courses

If you’ve recently been diagnosed with Stage IV kidney disease and you have Medicare, you might be wondering about what services your insurance will cover. In addition to your regular health care provisions, your Medicare Part B medical insurance will actually cover some kidney disease education courses to help you learn ways to manage your…

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Wednesday, January 10, 2018

Why Social Security and Medicare Programs Are Vital to Older Americans in Florida

Social Security and Medicare are government administered programs designed to provide income and health security to American citizens who are 65 years or older. Florida, like many other states in United States, highly require the government Social Security and Medicare programs for the stability of the economy. These programs are very important to the Floridian…

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Monday, January 8, 2018

Medicare Part B Late Enrollment Penalty

If you’re new to Medicare and don’t sign up for Part B when you’re first eligible, you’ll have to pay the Medicare Part B late enrollment penalty. You’ll also have to wait until the General Enrollment Period to enroll in Part B coverage. However, if you qualify for a Special Enrollment Period, you won’t have…

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Friday, January 5, 2018

New Year’s Resolutions for Seniors in 2018

Have you considered making a few New Year’s resolutions for when the ball drops to signal the start of 2018? If so, you’re not alone. Here are a few to consider adding to your list, as well as methods of accomplishing them. Improving Financial Health From eliminating debt to setting aside money to travel, there…

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Wednesday, January 3, 2018

Penalties Loom for ACA Enrollees Who Don’t Switch to Medicare Until September 2018

In America, turning 65 years brings with it some changes in health plans for individuals enrolled in the Affordable Care Act marketplace. Americans who are over 65 years and have their health insurance coverage through an Affordable Care Act (ACA) marketplace, are in danger of having to pay higher premiums for the rest of their…

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Friday, December 29, 2017

In Shift, Health Care Ties Economy as Voters Top Issue

Rising Healthcare Concerns Reshape Political Terrain Recent polls have shown that for many Americans, their top concern as voters is the issue of health care. In a September poll by Morning Consult/POLITICO 24% of citizens surveyed responded that health care is their number one concern as voters for upcoming Senate and House elections. The same…

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Wednesday, December 27, 2017

AARP Urges the American Congress Leadership to Prevent a Large cut in Medicare

Jo Ann Jenkins, the Chief Executive Officer of AARP calls on the leadership of the American Congress to keep their promise to the American seniors by prevention of a possible large cut in Medicare in 2018. This enormous cut which is expected to be about $25 billion would result from the enactment of H.R. 1…

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Tuesday, December 26, 2017

The ABCs of Selecting a Medicare Supplement Plan

Medicare doesn’t cover all of your medical needs, so learning the ABCs of selecting a Medicare Supplement plan is essential to having access to complete healthcare coverage. With so many Medigap supplement plans out there, it can be sometimes difficult to know which one to choose. Lucky for you, we’ve come up with a plan that…

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Saturday, December 23, 2017

How the New US. Tax Bill Will Impact Medicare

The new tax bill which the Trump led Republican administration seeks to pass into law will be the most important health care legislation enacted in United States since the Affordable Care Act (ACA) of 2010. Though the new tax bill has its positive sides, it is envisaged that it will pose some grievous threats and…

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Friday, December 22, 2017

Medicare Beneficiaries Prefer Phone Calls When Signing Up for Medicare

Researchers in the healthcare field have been working diligently in finding ways to bridge the gap between seniors and the rise of digital engagement. Innovative technologies are globally on the rise, and the healthcare industry is not exempt. Healthmine recently conducted a survey to find out what form of communication medicare beneficiaries prefer. Unsurprisingly, the…

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Monday, December 18, 2017

Learn About What Medicare Doesn’t Cover

Knowing what Medicare doesn’t cover is crucial to your health and finances. Many Medicare patients are under the impression that their insurance will cover everything they need. Specifically, when they first enroll in the program. However, Medicare only covers a percentage of most services. There are many services that are not covered at all. Knowing…

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Friday, December 15, 2017

Enrolling in Medicare Can be Complicated

Medicare has been present since the late 1960s and is administered by the US federal government. In recent years, around thirty to fifty private insurance companies all over the United States are under contract with Medicare. The United States Medicare is financed through surtaxes and premiums from beneficiaries, overall revenue, and payroll taxes. What’s so…

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Thursday, December 14, 2017

2018 Medicare High Deductible Plan F Changes

Recently, CMS announced the new changes to the 2018 Medicare High Deductible Plan F option. Many Medicare recipients are asking how these changes will impact their decision when choosing a plan. Below, we’ll discuss the coverage details of this Medicare Supplement plan and the changes made for 2018. 2018 Medicare High Deductible Plan F How…

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Tuesday, December 12, 2017

What is Medicare Part G Medicare Supplement Insurance

Medicare Part G is one of the most common plans chosen between Medicare beneficiaries. It offers all of the same benefits as Plan F. The only difference is Plan G doesn’t cover your Part B deductible. Thus, making this plan more affordable to some Medicare beneficiaries. Medicare Part G By purchasing Medicare Part G, beneficiaries…

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What is a Medicare Supplement Insurance Plan

A Medicare Supplement insurance plan is supplemental healthcare coverage that compliments your Original Medicare benefits. It helps cover the out of pocket costs that Medicare doesn’t cover such as deductibles, coinsurance and copayments. Understanding the changing nature and complex regulations of government health care is never easy. Leaving many beneficiaries wondering what a Medicare Supplement plan…

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Plan F vs Plan G: Medicare Supplements (Medigap)

Plan F vs Plan G are the two Medicare Supplement plans that will cover any Medicare Part B excess charges. If you’re like most people, you want your plan to cover as many of your healthcare expenses as possible. This is why most enrollees choose the most comprehensive plan, Plan F. But another plan, Plan G, offers…

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Michigan Medigap Subsidy: What You Need to Know

The Michigan Health Endowment Fund has come up with the Michigan Medigap Subsidy. This fund is aimed at bailing out low-income seniors within the state. At the same time, the Michigan Endowment Fund has a special focus on people living with disabilities in the state of Michigan. The subsidy pays for your supplement insurance. This is…

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How to Compare Medicare Supplement Rates

Medicare Supplement rates tend to go up every year or so to keep up with inflation. Also because of rising healthcare costs or changes in state and federal regulations. Depending on your insurance company, you can expect to see these rate increases on your policy anniversary or around your birthday. If a rate increase feels…

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