For Seniors

Medicare While Working: the Truth
Many seniors have spent long years pursuing a career they love, and just aren’t ready to give up working and head into retirement the minute they turn 65 years of age. However, healthcare options can tend to get a bit confusing if you don’t retire at the age of 65 (which is also the age

Do Medicare Advantage Plans Cover Pre-Existing Conditions?
If you suffer from a pre-existing medical condition, you might be worried that your situation will affect the cost and quality of your health coverage. With Original Medicare and Medicare supplement plans like Medicare Advantage, it’s especially difficult to know if and when a policy will cover costs associated with your condition. For the most

Medicare Frequently Asked Questions
Understanding Medicare can be a confusing process, especially for those of us who are entirely new to it. There are dozens of plan options, covered services, and health insurance terms that can be overwhelming if you’re learning about Medicare for the first time. What’s important to know is that if you’re confused, you’re not alone!

Can You Lose Medicare Benefits?
In a word, yes. Medicare is a very stable form of health insurance, meant for seniors to use until the end of their lives, or for people suffering from disabilities to use indefinitel – yet there are several circumstances, both within your control and outside of it, that can cause you to lose all or

Do I Really Need Supplemental Insurance With Medicare?
Have you ever considered obtaining supplemental insurance? If so, did you also have an Original Medicare plan? Deciding whether or not to purchase a supplemental insurance plan can be a difficult decision. Although it may be a dubious choice at first, you may stand to benefit by purchasing a plan to supplement your Original Medicare.

How Can Medicare Advantage Plans Be Free?
Can a Medicare Advantage Plan really be free? The answer is yes, and no. There are Medicare Advantage Plans that come with a $0 premium fee. This means that there is no additional cost to be enrolled in that specific plan, but this doesn’t mean all Medicare Advantage Plans are the same. Additionally, there might

Can Medicare Advantage Plans Deny Coverage?
Medicare Advantage Plans, also known as Part C or MA plans, are health plans offered by private insurance companies that are Medicare-approved. These companies must adhere to the coverage rules set by Original Medicare, but maintain the ability to independently decide coverage rules when it comes to benefits that aren’t included in Original Medicare. Because

How Much is Medigap Per Month?
How much an individual is charged both monthly and annually for Medigap services is mainly contingent on how much an insurance company charges for its policies. The price tag for the services offered by these companies also varies depending on the state in which a policyholder resides in. As you’ll see further down, there are

Best Supplement for Seniors
Disclaimer: The content is not intended to be a substitute for professional medical advice, diagnosis, or treatment. Always seek the advice of your physician with any questions you may have. For the elderly, maintaining a properly balanced diet is key to good health during your later years. As a result of aging, the body’s metabolism

Baby Boomer Values
Baby Boomers are regarded as one of the most influential (if not the most influential) generation in recent history. By encompassing nearly 20% of the world’s populations, the societal, economic, and technological impact Baby Boomers have had is astounding and worthy of appraisal. So how did the values that this generation upholds today come to

Sing Along Songs for Seniors
Music is a universal tool known for its ability to create joy and bring people together. Considering the never ending influx of new music and its seemingly endless amount of subgenres, there’s something out there for everyone and every occasion. Going through life, most people make a collection of their favorite songs to look back

Social Activities For Seniors
Are you looking for a way to meet new people, interact with old friends, or to just try out new things? Look no further! There are many social activities that you can do year-round that might easily become your newest life-long hobby. Not only do these activities improve your mood by interaction with other seniors

Indoor Gardening Beginner Guide
Indoor gardening can be an extremely fulfilling and therapeutic practice. In addition to making your home a pleasant place to be, there are also emotional health benefits to growing your own plants. All you need is some water, seeds, nutritious soil or solution, light, and most importantly, dedication. If you’re looking to get into indoor

Stretching Exercises for Seniors
Stretching Exercises for Seniors There are many ways to stay healthy throughout life. For example: eating right, staying hydrated and well rested, and regularly exercising. Unfortunately, some might not remember that in addition to their regular exercise of choice, they have to regularly stretch. Stretching the body helps keep joints and muscles relaxed and ready,

Stay at Home Care for Seniors
Have you ever thought about obtaining at-home services whether for you or an elderly relative? Are you concerned that the quality of care won’t meet your standards? Luckily for you, there are plenty of options and ways on how to find the right home care services that benefit you. First, however, we need to know

Which Insurance Plans Include Silver Sneakers?
If you are looking forward to starting a steady, exciting, and rewarding exercise program, Silver Sneakers may be a suitable option for you. Getting active and setting up an exercise regime is important to keeping good health and leading a well-balanced lifestyle. Some insurance plans even offer coverage for the Silver Sneakers program. If you’re

Social Security vs. Medicare
Many looking towards their future may be curious as to what the differences in Social Security vs Medicare are. We are more than happy to explain the differences between these programs and their respective benefits. While both are social benefit programs, they cover different aspects of life that together can be used to help you

Does Medicare Pay For Stairlifts?
Key Takeaways The cost of a stairlift can range anywhere between $2,000 to $5,000. Standard Medicare policies do not cover stairlifts, but Medicare Advantage plans offer some financial assistance. Some state assistance programs and Medicaid Waivers can also provide financial assistance for stairlifts. The price of stairlifts depends on the make and model, its

Dementia Medications to Avoid
Disclaimer: The content is not intended to be a substitute for professional medical advice, diagnosis, or treatment. Always seek the advice of your physician with any questions you may have. Key Takeaways While we don’t know the cause or the cure of dementia, we do know there are certain medications that worsen symptoms. Antidepressants, antipsychotics,

Does Medicare Cover Dental Implants?
If you’ve been thinking about improving your dental health, you may be asking: does Medicare cover dental implants? The answer is a bit complicated. For the most part, Medicare will not cover standard dental procedures unless an emergency or complication occurs that justifies dental treatment. This includes dental implants. But don’t fret – this article

Medicare For Dummies
Medicare can be quite confusing for beginners. It has many different sections, options, and plans involved under one name. However, knowing how Medicare works can be quite beneficial whether you are trying to obtain insurance or just want to know more about the government’s insurance program. Even if you have no knowledge about Medicare now,

Can Medicare Take Your House?
Many people have concerns when contemplating moving into a nursing home. How they will pay for said care is one of the primary concerns. To do so, people often turn to Medicaid for coverage which then brings about another deep concern: can Medicaid take your house? Although they cannot take the home while the recipient

Improving Mobility in the Elderly
As seniors grow older, they may develop physical disabilities, injuries, or limitations that can stop them from being as mobile as they’d like. Limited mobility or immobility is one of the most common age-related disabilities, with about 2 out of 3 seniors having experienced some struggle with walking or daily activities. Challenges with mobility can

Grandparent Burnout
Have you found yourself taking more care of the grandchildren lately? Has it gotten a point where you’ve found yourself more and more drained after each visit? Have these moments gone from treasured and happy moments to stressful and challenging ones? It is possible you may have Grandparent Burnout, a common experience among grandparents taking

Ageism Examples
The term ageism is defined as the unfair treatment, discrimination, and stereotyping of an individual or group because of their age. Unfortunately, negative attitudes are developed and targeted at a specific age group, which can have consequences in many aspects of life. For instance, not only can ageism affect an individual’s job prospects, but it

Laws Against Taking Advantage of the Elderly
Elder abuse is defined as the physical, emotional, or sexual harm inflicted upon an elderly person. It also includes financial exploitation and neglect by a caregiver or the person responsible for their care. As older adults become less mobile and/or physically weakened, they are less able to defend themselves against this type of aggressive behavior.

The Medicare Qualifying Diagnosis for Hospital Bed
Durable medical equipment (DME) is a term utilized to describe items that can withstand prolonged medical usage. DME items are generally covered under Medicare Part B – but only under specific criteria. In order to qualify for Medicare Part B coverage, the medical equipment must be able to: Endure repeated usage Used strictly for medical

Are Adjustable Beds Covered by Medicare?
In short, yes, Medicare does cover adjustable beds. The Medicare Part B program offers coverage for basic adjustable beds as they are DMEs. Medicare Part B covers 80% of the cost of acquiring an adjustable bed from an accredited Medicare supplier. The remaining 20% will have to be covered out of pocket. What Are DMEs,

Mobile Apps For Seniors
As technology grows and its importance becomes immeasurable in a globalized world, some can feel left out and confused. When it comes to smartphones, mobile apps are fundamental, and knowing which apps to use can be difficult. The first thing to know when it comes to apps is: what is the user’s need? There are

Signs of Aging Eyes
As we grow older, there are noticeable changes in our body as a response to aging. These changes are natural and in most cases should not be something to worry about. However, if you are experiencing signs of aging that are uncommon or frightening to you, it is important to do your research or see

Health Insurance For Senior Citizens
Like many new seniors, you may start wondering about health insurance and what it can do for you. Can health insurance cover your hospitalizations, or your prescription drugs? Can it help cover long-term care? All of these are valid and important questions. It is important to note what services you will need covered by insurance

Senior Homeshares
Homesharing is the practice of two or more parties residing in the same home, although they are not related, in a mutually beneficial agreement. For the homeowner and the renter there are many benefits. For the homeowner, the older adults, in this case, they get to decrease their rent payments and they get to have

Does Medicare Cover Coronavirus?
The threat of the coronavirus in the United States continues to grow with every passing day. A virus that seemed to mainly affect seniors over the age of 65+ has begun to show that younger people are just as susceptible to suffer from the effects of Covid-19. With 30% of the cases in the United

Tips For Frugal Retirement Living
You’ve been working hard your entire life up until the moment you realized that retirement was just around the corner. Any person would be thrilled to retire and live a comfortable life after decades of work. Not so fast though. Remember that after you retire, your monthly income won’t be the same. Post-retirement is a

Weight Lifting Routines For Seniors
Whether this is your first time getting into weight lifting or you are an avid weightlifter getting back into your routine, taking the first step of researching what exercises are best for you is a huge step into your new journey. As you begin your fitness journey you will notice there are immediate benefits –

Transportation Services for the Elderly and Disabled
With older age comes less mobility and in some cases, physical disability. It can become more difficult for seniors to travel to and from home without the risk of serious injury, especially when they rely on driving as a means of transportation. Fortunately, there are numerous ways for seniors to travel around town without having

Home Exercises For Seniors
Getting 30 minutes of exercise a day is the key to a healthy lifestyle. Regular physical activity can help keep your heart and bones strong while improving your strength and flexibility. Exercise has also been shown to improve mood by increasing the production of dopamine and serotonin, two neurotransmitters that contribute to happiness and well-being.

Best Pets For Seniors
The enthusiastic and friendly nature of pets makes them the perfect companion for children, adults, and nearly every type of individual – no matter their living situation. However, depending on your lifestyle, abilities, and wants, there are certain animal breeds that may be more suitable for older adults. The best pets for seniors include dogs,

Memory Exercises For Seniors
With older age comes the steady decline of brain function and cognitive ability. Losing some cognitive function is normal for seniors, but there are ways to prevent its most severe effects. One of the most affected brain functions in seniors is memory. Memory impairment is a natural occurrence for an aging brain, but decades of

Ways for Seniors to Save Money
Are you looking to save more money and achieve financial stability? Lucky for you, there are several different ways in which you can cut your costs and maximize your savings. For any seniors looking to retire, the last thing you want on your mind is worrying about your money. Through proper budgeting, lifestyle changes, and

Medicare and VA Benefits
If you are eligible for Medicare and are a veteran, you may apply for more benefits through Veteran Affair (VA) plans. The VA plans give more opportunities for healthcare and may be used in addition to Medicare, but are completely separate from Medicare. One big difference between the two benefits are the locations that they

Tips for New Grandmas
Congratulations! As you embark on this new journey and chapter of life as a grandmother, there are many things to be excited about. However, there are also many challenges and responsibilities that come with this new role. As you prepare for your grandchild to arrive, here are a few tips for new grandmas on how

Long Distance Grandparenting Ideas
When a new member is brought to the family miles away, it may seem hard to form a connection with them if you are not physically present. Most families do not have the privilege of living in the same household, same city or even the same state. This may cause difficulties for communication – but

Forgotten Songs of the 60s
The 1960s was a historic era that took the music industry by storm. It experimented with new sounds, rhythms, purposes, and music patterns. The ‘60s is heavily associated with the equal rights movement and many trends from music shifted to be associated with the movement. Additionally, this era in music transitioned music from 78rpm records

Free Stuff for Seniors
Typically, older adults get the luxury of entering retirement after years of hard work and dedication in the workforce. However, those who are unable to enter retirement or are not accustomed to not making the same salary as they did before may find some difficulty in enjoying the perks of old age and retirement. Having

Debt Relief For Seniors
With the onset of age, older people tend to focus on their financial stability before making the important decision of retiring. Unfortunately, many seniors today are riddled with debt. The rising cost of healthcare, housing, and food coupled with limited social security has made the prospect of retirement for seniors difficult. Currently, senior citizens experience

Ideas to Keep the Elderly Busy
Keeping the mind and body sharp is important for people of all ages, but becomes even more important as you get older. Participating in engaging activities in old age is a good way to spend leisure time as seniors begin to retire. It’s important for the elderly to remain active and social in their later

Senior Nutrition Programs
At any age, nutrition plays a vital role in our health and wellness. As an older adult, your health should be a priority in your everyday life to make sure your body is satisfied and filled with good nutrients to build a strong heart, strong bones, and prevent illness. There are many nutrition programs that

Library Programs for Seniors
Libraries are landscapes for local communities to come together and join in collective learning. They promote community education by offering a variety of programs where locals of all ages can engage with new information. Library programs for seniors can be anything from workshops to classes, to fun activities and more. For older adults who are

Benefits of Gardening For Seniors
Gardening is a common hobby for people of all ages but is especially popular among adults. Whether it is flowers or fruits and vegetables, gardening is the hobby of cultivating and tending to a garden. Not only is gardening a great way to pass time but it also provides many health benefits, both physically and

Best Places To Retire In New England
New England is the northeastern region of the United States constituting Maine, Vermont, New Hampshire, Massachusetts, Connecticut, and Rhode Island. The coastal region is recognized as the birthplace of America, as it was the site of the first settlement by European explorers. Bordering between New York and Canada, New England is known for its cold

Valentine’s Day Gifts for Grandchildren
The story behind Valentine’s Day is one as old as history itself, influenced by the early Christian and Ancient Roman traditions from hundreds of years ago. Love as we know it is more than just the love that we express with our significant others. It is the love that one feels for their friends, family,

Planning A Senior Road Trip
There’s nothing like a good ol’ fashioned road trip to motivate you to venture out into the world. Planning road trips are a fun tradition for any group of people, including seniors, wishing to have a good time exploring outside of their comfort zones. Not only do you get the opportunity to see different places,

Best Places for Seniors to Vacation
Are you stuck with too much free time, and can’t think of a better way to spend it? After working for many years, the last thing you want to do when you’re retired is to remain idle. You have plenty of free time and money to spare, so why not treat yourself to the wonders

Games for Seniors
As we grow up, games are used for a variety of reasons. We play games to learn, to serve as a form of entertainment, as a method to socialize with others, a way to exercise, a way to stimulate our mind, and more. As we grow into adults, many people forget the benefits and joys

45 Senior Safety Tips
Although safety should be a concern and a priority for people of all ages, safety is especially important for seniors who are age 65 and above. With age comes vulnerability to incidents like disease, robbery, falls, or accidents. In 2017, there were 257,000 older adults who were hospitalized due to motor vehicle crashes. Additionally, 24%

Things To Do With Grandchildren in Winter
Even during these cold winter months, watching your grandchildren can be an opportunity for everyone to have fun. According to a 2016 study by Boston College, emotional bonding can be beneficial for both grandparents and their grandchildren by stimulating brain function. As grandparents engage with their grandchildren, cognitive functions are exercised more frequently and help

Did Medigap Plan F End?
Due to the Medicare Access and CHIP Reauthorization Act of 2015 (MACRA), Medigap Plan F and Plan C were discontinued starting on January 1, 2020. Medicare Supplement Plans, such as Medigap Plan F and C, have been discontinued due to budget cuts decided by Congress. Congress discontinued these supplement plans not only to be more

Does Medicare Cover Viagra?
The short answer is no, Medicare does not cover viagra. Yet, truth be told, it is a little more complicated than it seems. As of now, 15-25% of men 65 years and older currently struggle with symptoms of erectile dysfunction. Unfortunately, Original Medicare coverage does not include prescription drug coverage. But that’s just for Original

What You Should Know About Your Medigap Rights
Your Medigap Rights Medigap rights ensure that you are able to obtain insurance in situations where it would have otherwise been impossible. In short, your rights include: The ability to purchase Medigap insurance even if you have a pre-existing condition Medigap insurance must cover your pre-existing condition Medigap rates cannot be raised based on present

An Overview Of Medigap Coverage
Medigap – the official Medicare supplemental insurance program – is used by nearly 25% of individuals who are on Medicare. Due to the gaps in coverage found in the traditional program, Medigap insurance helps to make medical expenditures a bit more predictable for those who it covers. This article gives you a full overview of

Medicare Plan F Premiums Considerations
Medicare Supplement Plan F is popular and definitely the most comprehensive policy offered under Medigap insurance. The details of this ‘first dollar’ coverage remain the same no matter what state regulates its implementation. However, there are differences in the Medicare Plan F Premiums insurance and two factors that impact the cost. The Gender Issue An

Medigap Insurance Rates And Plans
Medigap insurance rates can range in pricing. The same amount of coverage and policy limits can vary from one insurance company to the next. If you are shopping around to compare prices, make sure you are comparing the same type of Medigap policies. Premiums are set in place by each individual insurance company for Medigap

How Medigap Plan F Can Help You
For most people over 65, Medicare coverage is vital, to ensure you are able to receive the basic medical services you need as you get older. However, there are several areas of medicine for which Medicare doesn’t cover you, and in order to provide this additional coverage, you can choose to buy a separate policy,

Medigap Insurance Policy Discussion
Medigap aims to provide additional medical insurance coverage for people on a Medicare plan, especially those who do not have the option to enjoy pensioner benefits (as provided by employers). This also applies to people who do not meet the requirements for Medicaid insurance. Just under a quarter of all Medicare clients have supplemented their

The Differences Between Medicare and Medigap
Many people, even those eligible for the four-part program, are confused about Medicare. They have crucial questions about coverage, such as the cost of hospital stays and the prices of prescription drugs. They also do not understand the differences between Medicare, Medigap other insurance options. What is Medicare? The Medicare program is divided into four

Medigap Insurance Plan Basics
Medicare helps a large number of Americans be able to receive the healthcare that they need. However, sometimes there are still gaps in Medicare plans that still require patients to pay deductibles, copayments, and coinsurance amounts. For some patients, it can be a large burden to fill in these financial gaps. With this in mind,

Medigap, An Employer Group Health Option
One of the innovations within the Medicare program is the addition of Medigap policies. Medigap is designed as a separate insurance supplement to Medicare and pays some of the health care costs that are not covered by Medicare. Some Medigap insurance provides additional benefits beyond what Medicare covers. Medigap plans are sold by insurance companies

Over & Under 65 Medicare Disability Protections
There are a number of Medicare disability protections in place for those who are entitled to Medicare and Medigap insurance benefits. Following is an overview of these protections and how Medicare recipients can take advantage of them to obtain top-quality care at a reasonable price. Medicare Beneficiaries Over the Age of 65 The Federal government

Shopping Around For Medigap Insurance Rates
While shopping for Medigap insurance can in some cases be quite pricey, it is possible to find an affordable policy that still provides good coverage. The following are some tips that can help you save money on your Medigap insurance plan. Tip #1: Pay Attention to Enrollment Deadlines Obtaining Medigap insurance in a timely manner

Medigap Premiums By State & Age
Beneficiaries of Medigap plans pay different Medigap premiums by state and age, in most cases. Generally, beneficiaries aged 65 paid lower premiums than those under age 65; in the same way, beneficiaries at 80 years old paid higher premiums than a 65-year-old. We looked up information on the state websites for plan F premiums, using

Tips Before You Enroll In Medicare
If you are nearing 65, then you need to figure out if you will need supplementary insurance after enrolling in Medicare. The team here at Medigap.com has rounded up some tips you can take into consideration before enrolling in Medicare. Generally, Medigap insurance is a good idea for people enrolled in Medicare Parts A or

Medigap Insurance vs. Medicare Advantage Plans
Comparing Medigap Insurance vs. Medicare Advantage plans is an important step for those looking for supplemental coverage. At a basic level, both are insurance programs for those enrolled in Medicare. On a technical level, only Medigap plans are truly supplemental – but Advantage plans provide extra benefits for those with Medicare. Breaking things down further