Important Things You Should About Diabetes

The American diabetes association revealed that about 29 million Americans have diabetes. There has been an increase of 8 million over the past 6 years. More than 86 million are at risk of having the disease. The chances of getting diabetes increased as you become older.

Visit for help comparing Medigap plans.

Genes play a great role when it comes to diabetes because the disease can be transmitted to you by your forefathers. There are also other factors that can be controlled so as to avoid having diabetes. You can prevent and manage type2 diabetes if you’re willing to commit on improving your health, that’s to say type 1 can be controlled and type 2 can be prevented.


Here some key points that can help prevent having diabetes type 2;


Genetic Factor


It has been estimated that there are about 45 genes that are linked to diabetes type 2. If your family members have it you’re at high risk of having the disease, in this situation you can’t do anything about it but to control it with healthy lifestyle. Men have high rate of having diabetes type2 than women. You should understand that genes are only one of the many other factors that lead to the disease.


Risk Of Having Heart Disease


Heart disease is caused by 3 major factors; high cholesterol level, high blood pressure and elevated triglycerides. These are all factors that are related to diabetes and at the same time increase the risk of having heart disease. More studies are still going on to find the link between diabetes & high blood pressure. If you also have heart disease you’re also at the risk of having diabetes.


Overweight People


Most people believe overweight individuals are at higher chance of having diabetes, that’s absolutely not true. Overweight or obesity is not a major cause of diabetes, as long you prevent and take care of all the risk factors. Even thin people can have diabetes, but if you’re overweight you should get tested as often as possible.


Meal Choices


What you eat plays a great role in preventing the disease, or will place you at a higher risk of having the disease. Heart healthy diet is must if you want to delay and prevent diabetes type 2. The healthier you’re the less risk you have for diabetes. Eliminate sugar, salt and processed food. Have your meals with sufficient fruits and vegetables. You must make a healthier food choice, and that is the only way to go.




A lot of studies have shown that stress together with high sugar diet will expose you to more insulin resistance and production of abdominal fat. When you’re overstressed the stress hormone level also rises and thus will lead increase in insulin resistance. Managing stress level is very important more especially if you’re at risk of having the disease. You must reduce stress at all cost, by doing meditation, breathing exercises, or any physical activities that make you feel good.

How to know if I should renew Medigap

Since Medigap came to light, the number one health program in the United States had a bigger boom than it had been developing. People felt much more protected than before and now everyone is aware of the support that is being offered to them and also of when and how they can use the Medicare Supplements Plans.

Even so, renovations are something that can not be avoided and even less when it comes to health insurance. It is necessary to go to renew the policy you have previously purchased because only then will you be protected and supported for as long as necessary.

However, you know that when you purchase aarp medicare supplement plans 2019  you are given a validity of one year and although this may vary there comes a time when you must go to renew with the advisor who sold it to you for the first time. From there it is necessary that everything be aware of the things that indicate that you must renew.

First of all, you must have all your papers up to date. This means that you need a folder where everything is fully ordered and you have the contract of the policy that you acquired and that all the main benefits are specified there. After that, everything will be very fast.

In these papers, you will find the date when your Medigap policy expires. You will very explicitly see the exact day in which your Medicare Supplement Plan will lose its validity and at the end of everything you will see that you have the right to automatic renewal. The latter is a benefit that began to be implemented compulsory for all these policies as of 2005 and has been very helpful.

Another way to know when your Medigap policy has expired and you need to renew it is when you are going to use it and it is not activated. At first, the insurance manager may not tell you but it is logical that you should assume that the Medicare Supplements Plans are quick activation and when it is not, it means that they no longer work.

So if you are in the middle of an emergency and Medigap is not active, it probably means it is already expired and you must go to renewal.

Something very important to know is that the expiration date of the Medicare Supplements Plans policy is different from your original Medicare plan. You see, many people believe that Medicare plans have the same validity and it is not, they are two different things and they expire on different dates, so your main Medicare plan may work but Medigap does not.

On the other hand, if you already know that you must go to renew your Medigap plan, take advantage and take the opportunity to add new things that benefit you. The Medicare Supplements Plans are changing for the better and add new, extremely useful benefits for patients. So you should take the opportunity to improve all the plans you already have.

Everything about Medicare Advantage Plans

The part C of Medicare is also called Medicare Advantage Plans. It is the Medicare insurance which has been offered by the private insurance companies by the permission of Medicare. You can have both of them at a time but Part A and Part B insurance coverage will be covered by the Medicare Advantage plan instead of original Medicare. It works in the same way except with some limitations. People do more from Medicare to Part C due to its advantages as it may give better coverage and also pay the expenses which may not be included in the original Medicare.

Why choose Medicare Advantage Plan?

It is true that the Medicare covers most of the health-related expenses which include the hospital insurance (Part A) and Medical insurance (Part B). There are still many services which have not been covered by the Medicare. These services included the services like vision, dental and hearing coverage etc. So, if we compare the coverage range, then indeed the Medicare Advantage plans are much better.

The MA plans come up with the extra premium which the person has to pay to the insurance company. But you can easily reduce the premium amount by selecting an insurance policy which suits most of you.

How much Medicare advantage plans cost?

The cost of this insurance plans depends on the number of different matters. But mostly, the cost depends on the monthly premium you decided to pay. If you decided to pay the high premium then the overall price will be reduced automatically. The health of the person, age, desire to visit a specific doctor, how much the doctor charge for each visit and type of health care services you needed to calculate the cost of MA Plans.

The private companies who offer the MA plans will ask these questions and many more related questions before signing a fixed cost of your plans.

The other things which can affect the cost of Medicare Advantage Plans are the reputation of the company, their service charges and how often you asked for the coverage etc. Mostly people ignore these costs where the good repudiated companies charge them most due to their popularity but return they offer best.

Medicare VS MA Plans VS Medigap

It is true that you can have both the original Medicare and MA plans at a time but you cannot have Medigap along with MA. If you choose to have Aetna medicare supplement plans, then you have to sacrifice with the MA plans where if you choose to have the MA plans, then you cannot have the Medigap at the same time. So, it could be a bit difficult for the person to decide that which insurance goes best along with the original Medicare. But by moving from one to other can help you to get the same policy in future without or with paying a little extra charge.

You can always take help from the insurance companies who offer these services and tell you the best option on the basis of your circumstances, health, and age etc.

Should You Change Plans?

Every year amid the last a month and a half of the date-book year (Nov. fifteenth to Dec. 31st) American Medicare beneficiaries have the chance to roll out improvements to existing Medicare plans. This is what is alluded to as the Medicare Open Enrollment period. Amid this time, they can run with Medicare Only, Medicare in addition to a supplemental insurance plan and to join with the Medicare Prescription Drug Plan (Medicare Part D).


Once a choice has been made, the change to the Medicare recipient’s plan will take influence on January tenth of the following schedule year. To maintain a strategic distance from any disarray at the drug store, it is best to roll out any improvements as quickly as time permits instead of holding up to the last moment of open enlistment. If a difference in plan has been chosen, the client ought to complete one of the accompanying to roll out the improvements:

Visit the following link to find more info on Medigap Plans.

Finish a paper application with the organization dealing with the plan.


Go to the plan’s site and apply on the web.


Call the organization and information exchange by telephone.


Go to the Medicare official site and apply (take note of: this choice may not contain the plan you need).


Call Medicare straightforwardly and make the change.


To information exchange for the new plan, you should be set up to give your full name, address, date of birth, Medicare card data, government managed savings number, crisis contact data and the name and address of the nursing home office or helped living focus in which the individual lives (if relevant).


Half a month in the wake of joining, the organization dealing with the plan will send a bundle containing the enrollment card, a plan client manage and a rundown of secured doctor prescribed medications and affirmed drug stores and additionally some other data.


If a client concludes that he or she wouldn’t like to have another plan, no activity is required. The current plan will be moved over toward the finish of the cycle.


It is suggested that all beneficiaries of Medicare yearly survey their present plan versus different plans to guarantee they have the best decision for their circumstance. Investigate estimating and advantages to think about valuing.

How To Choose Medicare Supplement Plan and Save Money

When it comes to buying Medicare Supplement insurance, many agents and Medicare recipients view the Medicare Supplement Plan F as the “Cadillac of Medicare Supplement plans.”

Now before we examine the United Healthcare medicare supplement let’s make sure that you understand some basic information about the insurance product. Medicare, a government-run health program helps provide health insurance coverage for people 65 and older as well as some who are under 65 and disabled. Medicare by itself does not provide adequate health insurance coverage, there are many gaps in coverage where a recipient would be responsible for payment. A Medicare Supplement is a health insurance plan that helps fill in the gaps where Medicare doesn’t cover, which is why it is also called Medigap Insurance.

The three biggest factors to look at are their financial situation, health history, and their personal opinions on health care.”

Financial Situation:

We first make sure our client is able to afford a Medicare Supplement. The monthly premium for a Supplement Plans will vary by the location you live in, the insurance company you select, your age, whether or not you smoke, and sometimes by underwriting guidelines. You must also plan on choosing a Medicare Prescription Drug plan. The cost of the plan will go up over time. If you are able to afford a Supplement plan you should buy one now, preferably when you are eligible for Medicare and you no longer have any other creditable health coverage. When you are first eligible for a Medicare S you are not required to go through underwriting, the cost is lower, and your acceptance is guaranteed. The longer you wait the more you risk the chance of not being able to afford a plan or qualify for one. Although higher in price than a Medicare Advantage plan, the health insurance coverage provided by the Medicare Supplement is superior if you get Medicare Supplement Plan F.

Health History:

“A Medicare Supplement is a good fit for people of all health situations or for anyone who has a family history of poor health, or currently has a medical condition that is going to require frequent trips to their doctor, specialist, or hospital.” Why? Well, if you choose a Medicare Advantage plan and you have poor health (and let’s face it we never know what our health will be in the future) your frequent trips to seek Medicare services are going to add up with all the co-pays you must pay.

Your Personal Choice:

Again a Medicare Supplement comes out on top when you look at your freedom to choose. Is it important to you to have the ability to go to any hospital or doctor you wanted for any procedure, or would it be acceptable to you to pay significantly less on your health care and have a large network to choose your hospital and doctor from?”

A Medicare Supplement, for the most part, gives you the freedom to use any hospital or doctor you wish which is attractive to many recipients. Most Medicare Advantage plans require you to receive services from an in-network provider and may require a referral from your Primary Care Physician before you may see an in-network specialist.

5 Best Foods a Senior Should Eat Before Exercise

It is well known that the seniors physical ability might represent the crucial obstacle towards being more active. Many seniors quickly become exhausted while exercising. Others simply want to push themselves a little bit further. In order to achieve this goal a proper healthy diet may be the solution for that problem.

In this article, we will analyze 10 of the best foods that every senior should consume before exercise or activity in order to ensure a smooth workout.

To find out about good health insurance for Seniors click here
1. Bananas

Bananas can be described as tasty and easily digested food. This unique fruit which contains unique mix of fast and slow carbohydrates to give immediate and longer-term energy to the active seniors. Based on that it is safe to say that is a popular snack for every active senior to have before exercise, as it supplies a starting energy for the workout. An additional benefit of the banana as a food choice for seniors is the fact that it can be processed as part of Banana bread combined with milk.
2. Oats

Oats are another underestimated product that can be highly beneficial for seniors are part of aerobic activities. This statement is based on the fact that the oats cause carbohydrates to be released gradually into the bloodstream, and keep the energy and appetite levels under control. This is important for the seniors as their bloodstream and organism in general is more sensitive compared to younger groups.
3. Nuts

They are one of the most recognizable products of nature, fully loaded with vitamins and minerals. Their unsaturated fat slows digestion, allows the active seniors to provide their muscles with a continuous stream of energy throughout the exercise.

As nuts are a high-calorie snack, a senior will only need a few to give his body the beneficial nutrients, including omega 3 fatty acids.
6. Eggs

Eggs contain leucine, an essential amino acid which is a key element in protein synthesis that can also generate energy during exercise.

The excellent protein in eggs delays the absorption of sugar from other foods you may have eaten, such as cereal, and keeps energy constant for hours. Eggs also have several B vitamins required for energy production.

  1. Cabbage

This green giant is loaded with vitamin C, an antioxidant involved in the synthesis of carnitine. Carnitine helps stimulate fat loss by transporting fatty acids to the mitochondria, where they are oxidized for energy.


If the raw cabbage seems too bitter, prepare it in a sauce with garlic, sesame oil and a little lemon juice or balsamic vinegar. Serve it hot as an additional dish.
6. Yogurt

Probiotics (friendly bacteria of the intestine) are the nutritional benefits of yogurt which it is known for. It also contains a lot of zinc, which is vital for almost 100 chemical reactions that include the production of energy and testosterone, the immune system, and the synthesis of muscle protein.


Low levels of zinc impede the proper functioning of the thyroid, which can slow down the metabolism and make fat loss more difficult. The dense and creamy Greek yogurt contains up to twice the protein of normal yogurt.


How Do I Choose Between Medicare and Employer Coverage?

Americans attaining the age 65 and more account to nearly 20. Now the point is whether they are retired or working, they must know if they need to enroll in Part A and B Original Medicare. Knowing it is more important, if they have employer coverage meeting needs right now.


There are several factors worth considering before enrolling in Medicare Supplements Plan, if you are eligible.  In most cases, your eligibility means getting enrolled in Part A Medicare, if employer coverage already exists. This means there is a qualifying work history, such that the coverage for Part A is premium-free and it costs nothing to get Part A benefits. It indicates you qualify for the Part A premium-free coverage if your spouse or you work for a period of minimum 40 quarters that is exactly 10 years, while you are paying the taxes of Medicare. However, it is best contact your union or employer to know the benefits and to see if you need to sign for Part A Medicare. If you have to enroll in Part A after the end of the employer coverage, you may be eligible for the special period of enrolment.


Part A indicates the covers that are allowable, limited health care at home and institution care in some nursing facility, essential medical hospital expenses and hospice care.


A few things to bear in mind:

  • Your employer existing coverage alters the details of benefit once you get enrolled with Medicare. This means you should check before your decide with the employer. When enrolled in Medicare Supplement Plans, you may have to fill a questionnaire so that it is determined which Medicare coverage pays for your health care first.
  • If your employer coverage is health saving account, there is no way you can have contributions done even after enrolling in Medicare and this means you must face tax penalty.
  • If you are ineligible for Part A premium-free, besides you fail to enroll when eligible with Medicare Supplement plans means you need to pay a penalty of 10% of the premium for twice the year you delayed in buying the coverage. However, for Medicare Part A, if you are qualified during special enrolment period, you may sign up without the late penalty.


Medicare Part B features a monthly premium. Beneficiaries covered by health plans delay Medicare Part B enrollment. There is penalty for late-enrolment even with Part B Medicare after the Medicare Supplement Plans initial enrolment period.


Medicare Advantage Plans vs Medigap

Medicare Advantage Plans are regularly mixed up for Medicare supplements. They are most certainly not.


Supplement designs, otherwise called Medigap designs, are institutionalized insurance approaches that fill in the holes of Medicare Parts A and B.


Section A of Medicare is for hospitals and Part B is for specialists and other medical administrations. Under Part A, the government pays for 60 days of a hospital stay aside from a deductible of $1132 in 2017. Medicare Part B has a little deductible of $162 for the new year and after that grabs 80% of approved medical administrations. Supplement are accessible in a few designs with most paying for the Part A deductible and the 20% hole in Part B.


Medicare Advantage plans don’t fill in the holes of Parts A and B. Rather; they supplant Medicare with a private insurance plan. Generally offered as HMO or PPO coverage, the plans ordinarily have networks of specialists and clinics that have marked on to give benefits consequently to co-installments from the individuals and the insurance organization. The HMO style designs expect you to utilize just system suppliers with the exception of on account of a genuine medicinal crisis. PPO designs take into account decreased advantages outside the system.


Medicare supplements are typically costlier than Advantage Plans. Most fill in the holes totally, abandoning you with next to no in out-of-stash costs. Favorable position designs, then again, have bring down month to month premium costs yet will normally have you pay increasingly when you get therapeutic administrations.


When you have a Medicare Advantage design, you are in fact secured under Medicare Part C, and your Part A and B coverage are deactivated. You would not have the capacity to utilize your Medicare card for therapeutic administrations.


Despite the fact that your Medicare A and B are not dynamic, you keep on having the premium for Part B deducted from your government managed savings check. The administration is utilizing that installment as a feature of the financing instrument for your Advantage design. Truth be told, the private insurance design gets considerably more cash from the legislature for assuming control over the full money related hazard for furnishing you with health mind.


Favorable position Plans for the most part will have prescription coverage as a feature of the package at no extra premium cost. Supplements don’t. If you have a Medigap approach, you’ll need to purchase a different Part D Prescription Drug Plan if you need coverage for pharmaceuticals from a drug store.

Find plan today

One of the greatest differences between the two types of plans needs to do with the freedom to change your coverage. A supplement can be changed whenever of year. Preferred standpoint designs have a yearly enlistment period toward the finish of the present year for coverage that starts on January 1 of the next year. If you enlist in a Medicare Advantage Plan and don’t care for it, you’ll have just until the point when February 14 to backpedal to unique Medicare. By the fifteenth of February, if you haven’t yet changed yet, you be stuck in the arrangement for the rest of the year.


In picking between a Medicare supplement and a Medicare Advantage Plan, for the vast majority, the integral factor is generally the month to month premium cost. If the Advantage Plan has the suppliers you require and a value that fits your financial plan, it could be the correct decision.

What You Should Know About Medicare Supplement plans

In the beginning, we were aware that Medicare health coverage can be given to you when you are 65 years old or that you a disability. The health coverage consists of the Medicare Part A and Medicare Part B. How do you differentiate between these Medicare Supplement plans? This is the question that many people are asking especially those who are not familiar with how the insurance works.

The Part A is the insurance you get for your hospital while the Part B will take care of your visit to the doctor, preventive services that include vaccination and screenings, high quality medical equipment and other medical services you can may desire. However, the Part A has some criteria to meet. There will be a reasonable deductible that will done yearly and coinsurance or copayments that are designed for some impatient services.

The Part B is a monthly premium and still has a yearly deductible and coinsurance.  This healthcare supplement can be called MedSupp and Medigap insurance.  The insurance will help reduce the original amount of Medicare. Take for instance, there are some insurance that can pay off the deductible of Part A.

There are benefits that come from using the Medicare insurance;

The Protection of Huge Medical Bills

When you are on a cross road of being stuck when you want to get a Medicare coverage, but the medical supplies is costly, the Part B can save the day for you. You are relieved of the 80% of what the costs may be and you are only allowed to handle the remaining 20%. However, this can only happen when the Part B deductible is reached for that year.  Also, with this Medicare insurance, the 20 % that you are expected to cough out will be partially taken care of by the insurance.

The Coverage Is Not Only in USA

Whether you are in Congo or Chile, and you had an accident or got sick, your healthcare insurance will take care of the medical expenses. The mobility of the insurance is what makes it appealing.

The Guaranteed Reception

The Medicare insurance is willing to accept you even if you are ill or have medical issues.  There is no worries of being charge expensively when you have a health challenge.  You can only qualify for this rare treatment when you buy your insurance during the  six month period before the health insurer may not sell a policy if you fail to apply after the six months period. One great option to pay deductibles and coinsurance is a Cigna Medicare Supplement.

The Renewable Policies

All the standardize insurance cannot cancel your medical health plan because the plans are renewable.  The renewable plan is renewed every year.

Choice of Doctor

The choice of making use of doctors is excellent in this insurance.  Under the insurance policies, you can walk into a hospital that is involved in Medicare. The way the insurance has been designed is remarkable. Hospitals and providers can take care of you if they are making use of the insurance.