Tips for preserving mental health in the elderly:

Tips for preserving mental health in the elderly:

Enjoying a state of healthy mental health in old agetranslates into a higher quality of life for the elderly and happier aging.However, there are a large percentage of older people with psychiatricdisorders, including depression and dementia, which seriously affect theiremotional and physical well-being. Get 2020 medicare supplement quotes at to maintain health.

Howto help our elders maintain their mental health:

Helping to preserve mental health in the elderly is simple if we follow some practical advice like the ones given below. A good diet, some physical and mental exercise and avoiding isolation are the keys for our elders to live happily and face this stage of their lives with optimism.

Exercises of mental acuity: Reading, doing crosswords, playing dominoes or chess are activities that stimulate the brain and favor the creation of neural connections. In addition, they serve to evade the mind from everyday concerns.

The skills that are not practiced are lost because they do not reinforce the synapses or neural connections. Invite your elders to perform their favorite mental activities as part of their leisure.

Physicalexercise: Having an active lifestyle serves to sleep better,relieve stress, reduce depressive states and improve general health (weight,cholesterol, blood pressure, circulation, and etc), thereby achieving a greatersense of emotional well-being. Physical activity may consist of taking walks or going to gym classes for the elderly. Any exercise adapted to their physical conditions will benefit the mental health of the elderly.

Foodfor the brain: Some foods are especially beneficial forthe production of hormones that favor a good mood and improve the health of ourbrain. Do not forget to include in the diet of your older foods such as nuts, almonds, sunflower seeds, yogurt, fruit, bluefish, tea, curry, red fruits, citrus fruits, whole grains, and green vegetables.

In general, all foods rich in Omega 3 and 6, vitamins E, B6 and B12, antioxidants, folic acid, iron, magnesium, and calcium are beneficial for memory, concentration, mood, and attention.

  1. Sunbathe: With the necessary protection and in a moderate way, sunbathing brings many advantages to the mental health of the elderly. Besides being a way to go for a walk, the sun helps to fix the vitamin D necessary for calcium to function in the bones. And do not forget that UV rays promote the production of serotonin, essential for mood.
  2. Break with the monotony: One of the main problems that the elderly face is loneliness and isolation. This leads to a routine and monotonous lifestyle that can influence a depressed mood.

Seniors should carry all their Travel and other Crucial Documents while Travelling

Seniors should carry all their Travel and other Crucial Documents while Travelling

It is very common for people beyond the age of 65 oreven those who have just attained the age of 60 to forget very crucialdocuments. When that happens, the next thing that you will do is ask a veryquick mailing service provider to send you those documents from your homecountry. This will be another additional cost and it could continue drainingaway your retirement funds or even something that you have been saving for avery long time just to make sure that you enjoy your travels during yourretirement. There are a number of reasons why you need to carry and even makecopies of your travel documents while traveling from one country to another. The 2020 medicare advantage plans are crucial when traveling.

Your travel documents prevents you from being denied access to entry

Sometimes, you may get out of your house at a hurry and eventually forget your very important travel documents. No matter how senior you are, you will certainly be denied access or entry into another country if you don’t have very crucial papers with you. Photo copies may not be accepted but could be presented in order for the immigration authorities to grant you a temporary access. The temporary access granted to you may not last you long enough before you are asked to supply the origin documents. So make sure to carry all your documents.

Medial documents should be packed first

There are those medical documents supplied by your personal doctors to help you in case you fall sick in a foreign country. You will agree with me that it may be completely impossible to go with your personal doctor in your safaris. Since this is a reality that we can never avoid, it is always important to make sure that you always carry your medical documents such conditional history and prescriptions in all your travels.

Your bank documents should also be safely kept

Considering that we seniors have a variety of bank documents ranging from wealth in safe custody receipts to bank account cards, it is important to make sure that you always make copies and carry them along with your if you don’t trust anyone with them. Sometimes, forgetting crucial bank documents could mean that you will not able to access your money from other parts of the world. It is therefore very important to have them with you.

Medicare Support Policies vs. Medicare Advantage

Medicare Support Policies vs. Medicare Advantage

Medicare Advantage policies and Medicare supplemental policies, in addition to the federal program, are the twooptions people have for insurance. Although there are some similarities, such policiesgenerally differ widely and must be considered separately to ascertain what isbest for each person. In most cases, if you can qualify medically and enroll ina Medigap supplement or policy, it will be very beneficial. Get an advantage plan from Blue Cross Blue Shield for 2019.

The simplest way to comprehend the disparity is to note that Medicare Advantage will pay in lieu of Medicare, while supplemental plans will bear the cost after Medicare. Medicare Advantage policies are the privatized form of the federal government program and they substitute them (although you are still registered in the government program, it is not giving you benefits). On the other hand, the supplements are intended to close and integrate the gaps in the government’s program.

If you are an elderly person with health problems or if you think you should visit the hospital or need other medical services, you should seriously consider subscribing to a health care policy.

Although the initial cost might be somewhat higher, Medicare supplement coverage will be more economical in the long term than a Medicare Advantage policy which is an alternative option. Hence, locating the right supplemental Medicare for your peculiar situation is the best option in the long term for your financial and physical health.

Medicare Advantage policy can help in reducing your costs if you occasionally need to visit your hospital or doctor. However, you would be risk it if you depend on it. Unfortunately, you never know when you need other medical services or when you should go to the hospital. Although monthly premium may be noticeably less than a Medicare supplemental policy, your co payments and deductibles have a tendency to be more expensive if you need to visit your doctor or other specialist.

Basically, with Medicare Advantage policies, you bet that you will not get sick in the near future, and why would you want to pay that kind of game with your health and your bank account?

There are several reasons why supplements are generally more beneficial than benefit policies. Here are some reasons:

• Supplements can apply to any doctor who accepts the federal program; however, most Advantage policies have networks of doctors / hospitals for patients to subscribe to. These networks in some areas are not well developed, so you can drive miles to see a doctor in the network.

• Supplements do not involve cost sharing. Many policies insure the 20% which is not insured by the federal program and one (or both) deductibles. Advantage policies on the other hand, use the cost sharing (deductibles and co payments) as part of their policies. Most Advantage programs have a $ 15- $ 40 co payment in the doctor’s office, plus a daily hospital co pay for the first 5-10 days and deductible for hospitalization and / or co payment.

• Insurance is not changed every year in the case of supplements; since 1992 they have been uniform all over the Federation. Advantage policies however, change each year and these changes often in recent years, are assumed by the insured.

Medicare Supplement for below 65 and Physically challenged in Colorado

2020 Medicare Supplement for below 65 and Physically challenged in Colorado

Do you reside in Coloradan, you expect to receive a Medigap plan and you are below 65 and physically challenged? While this is not obtainable in most states, certain requirements may be met in Colorado.

Medicare supplement if you are in Colorado below the age of 65 and are physically challenged

Federal law generally does not requireinsurance companies to offer Medicare supplement plans for people below 65 andpeople with disabilities and are Medicare beneficiaries. However, in the lawsof some state, insurance companies must provide a Medicare supplement policy.One of those states is Colorado.

You might qualify to purchase a Medigap plan if you are below 65 and physically challenged. In other words, if you qualify for Medicare Part A insurance and Part B insurance for a qualifying disability, you can buy a Medicare Compensation Plan in Colorado. As a rule, persons who have received disability benefits from the Social Security Authority or the Railroad Retirement Board for 24 consecutive months are automatically enrolled in Part A and B.

If you meet these requirements, you may qualify to buy a Medicare supplement if you are below 65 and physically challenged in Colorado.

Medicare supplement plans are sold by private insurance companies and are designed to work with Medicare Part A and B to help pay for the cost. That said, Medicare supplemental plans can help pay deductibles and coinsurance or Medicare co-payments.

What types of Medicare supplemental plans are available for people below 65 and for people with disabilities?

If you have Medicare before you turn 65 years because you are physically challenged, you may have the same options for the Medicare supplement plan in Colorado as you do for beneficiaries 65 and older.

In most states, insurance companies sell up to 10 standardized Medicare plans: i.e. Plans A, B, C, D, F, G, K, L, M & N. In Colorado, insurers may be expected to offer any or some of these plans to you to purchase. There are several plans available for you to buy. You may want to see the benefits of these standardized plans.

Consider several points when comparing Medicare supplements:

Insurance firms that offer supplemental Medicare plans may not provide all 10 types of plans.

Your monthly premium may vary from one plan to another and from one insurance firm to another.

Medicare supplemental plans sold today do not contain prescription drugs of Medicare Part D. If you want drug coverage for prescription, you can sign up for a separate prescription drug plan for Medicare Part D.

When can you buy a Medicare supplement plan if you are below 65 and physically challenged?

To find out when you can apply for a Medicare Supplement Plan if you qualify for a disability below 65 years, you can contact the Colorado State Health Insurance Program (SHIP).

The descriptions of products and services provided on the websites do not constitute sales offers or requests related to a product or service.

Medicare United Healthcare advantage plan Plan (Medigap) Plans and prescription drugs Pt 2

Medicare United Healthcare advantage plan Plan(Medigap) Plans and prescription drugs Pt 2

In a situation where your Medigap policy insures prescription drugs and you sign up for a Medicare prescription drug policy, you must tell your Medicare United Healthcare advantage plan insurance company.

Your Medicare United Healthcare advantage planal policy can eliminate prescription drug insurance from your Medicare United Healthcare advantage planal policy and modify your premium as needed. Keep in mind that once you have the drug coverage of your Medicare United Healthcare advantage plan plan, you cannot change your mind. However, you can make changes to your Medicare Prescription Drug Policy (e.g. changing plans or discontinuing your prescription) at certain times of the year or in special circumstances.

Another option is to enroll in a Medicare Advantage plan that includes Medicare prescription drug coverage (also known as the Medicare Advantage Prescription Drug Policy or MAPD). Just like Medicare’s independent prescription drug plans, Medicare Advantage plans are provided by private insurance firms that contract with Medicare and are available through the “Part C” program.

Medicare Advantage policies must provide at least similar coverage as Original Medicare plan (with the exception of hospice benefits covered by Part A). Most Medicare Advantage plans include prescription drug coverage, but not all plans, so always review the specific plan. If you decide to receive your Medicare benefits through a Medicare Advantage plan, you can usually get benefits on your plan, if available, for prescription drugs or a separate Medicare prescription drug plan if the Medicare Advantage Plan does not cover prescription drugs

To learn if a Medicare plan covers your drugs, you can review the plan’s formula or the list of insured drugs. Bear in mind that formulas can change at any time. If necessary, you will receive a notification from your plan. As with Medicare’s independent prescription drug plans, Medicare Advantage prescription drug plans are different in terms of covered drugs, cost sharing and premiums. If you take the time to compare the plans available in your place of residence, you can find a plan option that covers your prescription drugs at the best price.

If you join a Medicare Advantage plan and have additional Medicare coverage, you cannot use your Medicare plan to pay for any costs you may have with your Medicare Advantage plan. Medicare United Healthcare advantage plans only work with Original Medicare. If you choose to enroll in a Medicare Advantage plan, you may want to cancel the Medicare United Healthcare advantage plan plan, otherwise you will pay for services you cannot use. Should your Medicare United Healthcare advantage plan plan includes coverage for prescription drug, you may want to select a Medicare Advantage plan that offers Medicare prescription drug coverage, if available.

How can I get more information about Medicare United Healthcare advantage planal plans and prescription drug coverage?

Hopefully, you now have a better understanding of how Medicare’s drug coverage works when it comes to covering Medicare United Healthcare advantage plans.

You can also do your own research to familiarize yourself with the Medicare plan options in your environment.

The reason for this communication is to request insurance. The contact is made by an insurance agent / manufacturer or an insurance firm.

Medicare United Healthcare advantage planal insurance plans are not affiliated with or approved by Federal Medicare Program or the US Government.

Medicare Supplement Plan (Medigap) Plans and prescription drugs Pt 1

Medicare Supplement Plan (Medigap) Plans and prescription drugs Pt 1

As you may know, under Original Medicare policy, Part A and B, there is only few prescription drug coverage. The Part A can treat the drugs you get as part of your inpatient hospital treatment. Part B may refer to some medications that are administered on an outpatient basis. Medicare supplemental plans generally do not provide coverage for prescription drugs, however, they may cover part of the cost of Original Medicare.

What does a Medicare supplemental plan cover?

If you are currently enrolled in Original Medicare, you may have heard that Medicare supplemental plans can support certain costs. Medicare supplemental insurance is intended to supplement Original Medicare. Original Medicare provides comprehensive medical coverage, especially if you have Medicare Part A and Part B. It does not cover everything.

The 2019 Medicare supplement plans are offeredby private insurance companies and can help you support costs that are notcovered by Original Medicare. Medicare Supplement plans (a.k.a. Medigap) fillgaps in the original Medicare coverage. The “gaps” refer to the costsfor which you are responsible, such as the deductible, co insurance, and copayments, which exists under Original Medicare. Some supplemental Medicareplans may offer additional innovative benefits (e.g. discounts on eyeglassesand contact lenses or discounts at gyms). However, not all plans have thesebenefits, so it is a good idea to check what plans are available in your area.

You can request a Medicare supplement plan with any insurance company licensed in your state to sell one and offer plans available in your area.

How do I get Medicare insurance for prescription drugs?

The government does not allow Medicare supplemental policies sold after 1st of January, 2006 to contain prescription drug protection. If you want Medicare (Part D) prescription drug coverage, there are 2 options:

If you have Original Medicare plan, you can sign up for a separate Medicare Prescription Drug Policy (PDP). The Medicare Prescription Drug Plans are designed to work with Original Medicare and are available through private insurance companies with Medicare authorization and operating in the country where you reside. A prescription drug policy from Medicare can help you with certain prescription drug costs that are not covered by Part A and B, even if you are still responsible for premiums, co payments, and co insurance costs.

To enroll in a prescription drug plan for Medicare, you must enroll for Part A and/or Part B of Medicare policy and be in the service network of a Medicare prescription drug policy. You must pay your monthly premium for Part B in addition to your monthly premium for the Medicare Prescription Drug Plan (except your premiums are insured, as you will get extra assistance). Medicare prescription drug plans include several prescription drugs. You can also vary the cost sharing (the amount you pay for the prescription) and the coverage premiums. It is a good idea to compare Medicare prescription drug plans at your location to find the best plan options for you.

You cannot simultaneously receive a Medicare Prescription Drug Policy (bought before January 2006) and a Medicare Prescription Drug Plan.

4 Common Questions about Investment that Seniors Have

4 Common Questions about Investment that Seniors Have

Investment after retirementis growing commoner these days, but you need to be cautious before putting yourmoney into any type of asset. Even if you have a contingency fund in place, youwill not like to invest in the wrong assets at an inopportune time and watchyour money go down the drain. Here are 4 common questions that seniors need tohave about investment in the post-retirement stage.

When is a good time to make stock investments?

If you find the financial market is going through a bad patch, you might feel that the time is improper from the investment perspective. Alternately, you might feel that investing is right when the market is witnessing a revival. Neither time is bad or good if you intend to make an investment over a long period.

What should be my own investment time frame?

As a thumb rule, if you make an investment over an extended time period, you can take greater risk in your investment portfolio. This is because you have more chances of recovering from any mix-up. For people who are still a long way from their retirement, it can be a good idea to put money into anything not liquid – such as an investment property. But if you are putting your retirement funds into the investment, you have to consider whether the investment bodes well from the point of view of planning.

Why and when should you sell the investment?

If you have a clear idea about why you are investing your resources into an asset, you should also have a proper idea about when you should sell it. If you have bought a stock with the expectation of growing your income by 20% annually, you need to expect selling the stock in case you do not see your income growing as per your own expectations. In case you bought a stock as you got a dividend yield, you need to sell the stock in case there is a drop in the profit yield.

Who Am I Investing With?

It is very difficult to judge the capability and character of any individual by going through the profile description in the annual report of an investment company. But you need to be sure who you trust your hard earned money with actually. Know about the past record of the investment agent. Also find out about the turnover, dividend yield and track record of the investment agent.

3 Foods that Negatively Impact Your Brain Health

3 Foods that Negatively Impact Your Brain Health

Fish Containing Excessive Amount of Mercury

You must have probably heard that fish with high amount of mercury need to be avoided during pregnancy period, however do you know that this type of fish might also affect the functioning of your brain? The truth is, fish with high mercury content is at the top of the list among foods which can harm your brain health since mercury is considered to be a neurotoxin & might negatively affect your cerebellum. Cerebellum plays a key role in maintaining proper balance, vision and coordination in humans.

If you’re one of those people who enjoy tuna, try to eat it in moderate amounts. If possible, try not to eat it more than once per week or in small size dishes such as sushi rolls. In addition, you’re better off avoiding fish like swordfish, king mackerel & shark.

Artificial Sweeteners

Although you cannot technically call them food, you could find them in most processed foodstuffs. Experts during a research in Israel revealed that consumption of artificial sweeteners is likely to increase your risk for developing type 2 diabetes since they modify the bacteria present in your gut. Studies also suggest that type-2 diabetes could further the odds of developing Alzheimer’s up to 4 times.

Foods with excessive trans fats

Trans fat occurs in its natural form in dairy products and red meat. Although it is important that you limit your high fat dairy and meat intake, it’s also equally critical to watch out intake of processed foodstuffs containing trans fats. The primary reason for this is because naturally occuring trans fat is likely to behave differently in the human body than that which gets added artificially in the food items.

Artificially added trans fat might result in cellular destruction, negatively impact your memory as well as increase the inflammation in your brain cells. Trans fats are most common in pre-packaged cookies & cakes, snacks, margarine, etc. Rather, you must aim to increase the proportion of healthy fats which can be found in nuts, avocado, olive oil, and seeds. This can help preserve healthy brain cells in seniors.

The things which you eat on a day to day basis might hugely impact your brain health. Foods that are high in artificial sugar, trans fats, and mercury might lead to weak memory, learning ability & cognitive health among seniors.

Medigap Plans:

Are you looking for a supplemental coverage that may help you cover Medicare out of pocket costs? Do check out Medicare supplement plans that cover co-insurance, co-pays, and deductibles not included under Original Medicare.

Know Your Options for Health Insurance

Know Your Options for Health Insurance

A US health insurance company, Aetna, was started in 1853 and offers Aetna Medicare. The company is listed as one of the Fortune 100 in the category of medical care services. Aetna offers a huge list of health insurance products / services for the consumer, as well as conventional health insurance such as behavioral health, dental, pharmacy, medical, group, long-term, Medigap, disability and medical care with the advantage plan of Aetna. The company is a health insurance company in Hartford, Connecticut. The company has two other offices in Blue Bell, Pennsylvania, and Middletown, Connecticut.

Aetna health insurance providesinsurance policies that are affordable and safe for Medicare health insurance,such as A, B or F, created exclusively for your basic Medicare healthprotection. They also provide Medicare Part D insurance. The 2019 Medicare advantage plans policies include out-of-pocket rates like the Part A and Part Bdeductibles, and also the charges that offer you the privilege and the freedomto contact a competent doctor who offers Medicare already. The individualhimself and not the others will make the decision of which doctor to visit.

Aetna offers a wide range of Medicare insurance policies with extensive insurance. For example: the complementary insurance policy Aetna Medicare (Policy M), the Aetna Golden Medicare (HMO) policy, the Aetna Medicare Rx policy, the basic Aetna Medigap policy and the Aetna Golden Choice (PPO) policy.

Aetna Health Insurance also provides a vast range of health insurance products with a huge insurance protection that fits both your budget and your needs. Services / products include medical assistance, behavioral health, employee benefits, long-term care, dental policies, disability, etc.

The selection of a Medicare policy can take a while. Bear in mind that Aetna, together with the medical, hospital, and prescription drug insurance, has many additional benefits such as hearing, wellness, vision and wellness in many Aetna Medicare Advantage policies, vision, counseling, fitness, weight management, as well as products. and natural services.

Aetna is an adjoining branch of the American Aetna Insurance Company, which published its first life insurance policy in 1850. Aetna offers Medicare policies such as A, B, C (across Texas) and Medicare Policy F in 12 states of the federation. Aetna also offers additional Medicare policies in some states and Policy D (prescription drug insurance) throughout all 50 states. Aetna Medicare policies designed for seniors include Medicare Advantage policies, Medicare advantage planal insurance, and Medicare Part D.

Aetna Health Insurance Company guarantees the well-being and general health of people who provide reliable information and resources to support her 10 million members (in pharmacy), 15 million members (for doctors), 12.8 million members (for group insurance protection) and 12.6 million members (for dental).

While making a choice of Medicare policy, understand that Aetna Medicare offers a complete array of policies. In continuation of her tradition of 153-year, Aetna Health Insurance has proven to be a leader in the industry of health care by solidifying a robust healthcare system through the cooperative network of medical centers, doctors, employers and patients.

What are the Best Types of Trips Seniors can go on?

What are the Best Types of Trips Seniors can go on?

There is no one-size-fits-all travel suitable for everybody. As you age, your capacity to travel, interests and preferences tend to change. During younger years, the regular trips attract more. However, with advancing age, seniors like to travel in new ways to suit their physical abilities and choices. Here are some of the best types of travel suggestions for seniors.

Cruise Trips

It is relaxing and nice, and can suit most kinds of seniors. You can spend a few weeks or at least a few days on a river or an ocean cruise. With river cruises, you can get the chance to see all those small towns located along the banks of rivers and also enjoy a fantastic view from your boat. You should look for cruises that offer senior-only onboard activities, senior discounts etc. Buy travel insurance to get coverage for unforeseen injuries or illnesses.

Small Group Trips

Medicare Supplement Plans 2019

It might be overwhelming for you to travel with a large group of travelers, as you have to travel faster. When you travel with a smaller group, generally consisting of anywhere between 12 and 24 members, there is better individualized attention. You can get more vivid descriptions of each landmark from your tour guides. You can travel with more freedom and flexibility and be assured of a more authentic and personal experience.

Educational / Academic Tours

There are various companies that offer many academic tours to people from every section of life, which includes seniors and baby boomers. Such trips stand out from standard tours a lot, as these mainly concentrate on spreading knowledge and information. Many of these tours have scholars in the group, explaining everything to travelers.

Train Tours

With train trips, you can get the convenience of sleeping and eating on your train and stopping at different stations for short-term sightseeing excursions. You can enjoy historic spots on your routes. In some types of trains, such as Amtrak trains, you can get private compartments consisting of private shower stalls. Train tours on routes, such as on the Venice Simplon-Orient-Express route, can let you see beautiful mountains and valleys.

Volunteer Tours

After retirement, if you feel that you have not given back to your community enough or have not seen much of the world, you might like to combine volunteering and traveling. You can use these tours to pass on much of your knowledge and skills to the younger generation and get a sense of respect and fulfillment.