For Seniors

Medicare While Working: the Truth
Many seniors have spent years pursuing a career they love and just aren’t ready to let it go. These seniors may want to continue working and postpone their retirement as they approach the age of 65. However, healthcare options can tend to get a bit confusing if you don’t retire at the age of 65.

Do Medicare Advantage Plans Cover Pre-Existing Conditions?
If you suffer from a pre-existing medical condition, you may be wondering how your condition will affect the cost and quality of your health coverage. When it comes to Medicare, it’s difficult to know if and when a policy will cover costs associated with your condition. For the most part, it is possible to get

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 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! We’re here

Can You Lose Medicare Benefits?
In a word, yes. Medicare is a very stable form of health insurance, meant for seniors and people with disabilities to use indefinitely. Yet there are several circumstances, both within your control and out, that can cause you to lose all or part of your Medicare coverage. The good news is that even if you

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 depends on the plan. There are Medicare Advantage Plans that come with a $0 premium fee. This means that there is no additional cost for enrollment in that specific policy. But this doesn’t mean that 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 sold by private Medicare-approved insurance companies. These companies must adhere to the coverage rules set by Original Medicare. However, they can independently decide coverage rules for benefits that aren’t included in Original Medicare. Because of this, insurers offering Medicare Advantage plans

How Much is Medigap Per Month?
How much an individual pays 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 other

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. Key Takeaways Taking supplemental vitamins and nutrients is an essential way for seniors to maintain a healthy, balanced diet. Essential supplements are broken down into

Baby Boomer Values
Baby Boomers are one of the most influential (if not the most influential) generations in recent history. By encompassing nearly 20% of the world’s populations, the social, 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 from, and

Sing Along Songs for Seniors
Music is a universal tool that can create joy and bring people together. Considering the never-ending influx of music and all of its 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 on. Indulging in this music might have

Social Activities For Seniors
Are you looking for a way to meet new people, interact with old friends, or 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. Interacting with other seniors who share your common interests can drastically improve your everyday mood.

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?
When thinking about moving into a nursing home, many seniors wonder how they’ll pay for nursing home care. To help with these costs, people often turn to Medicaid. But if you’re living in a nursing home, you may be wondering: can Medicaid or Medicare take your house? Key Takeaways Medicaid uses a process called Estate

Improving Mobility in the Elderly
Key Takeaways Seniors often find themselves with limited mobility in older age, but it’s possible to increase that mobility. Gentle yoga, strength training, stretching, and balance exercises can help to improve flexibility. Assistive devices such as mobility scooters or walking aids Assisted living centers can offer all the benefits of independent living while providing resources

Grandparent Burnout
Key Takeaways When grandparents assume an extensive caretaker role in their grandchildren’s lives, it’s possible for them to experience Grandparent Burnout. Some ways to bond more closely with grandchildren include: sharing common interests, sharing family history, and spending quality one-on-one time with each child. Grandparents can avoid burnout by working with parents to set a

Ageism Examples
Key Takeaways Ageism is the unfair treatment, discrimination, and stereotyping of an individual or group because of their age. Examples of ageism are typically found in workplace environments. Families can partake in age discrimination if they unnecessarily abandon or push away older family members. Experiencing ageism can have immeasurable long-term impacts on mental, emotional, and

Laws Against Taking Advantage of the Elderly
Key Takeaways Elder abuse is the physical, emotional, psychological and/or sexual harm inflicted upon an elderly person. Financial exploitation and abandonment are common examples of elder abuse. Anyone can perpetrate this abuse – family members, caretakers, facility employees, or other seniors. Federal and state laws against taking advantage of the elderly are preventative and work

The Medicare Qualifying Diagnosis for Hospital Bed
Key Takeaways Durable Medical Equipment (DME) describes medical products that can be used in the home to aid those with medical conditions. A common DME that many patients find useful in the home are hospital beds. Medicare Part B generally covers DME items – but only under specific criteria. The cost of a hospital bed

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
Key Takeaways For seniors looking to engage more with technology, we’ve compiled a list of the best mobile apps you can utilize right now. Some great news apps you can download Apple News, CNN News, and APmobile. A few great gaming apps for seniors are Candy Crush and Words with Friends. Our favorite utility apps

Signs of Aging Eyes
Key Takeaways Common warning signs of aging eyes include double or blurred vision, floaters, discoloration, and poor night vision. Many symptoms of aging eyes may not need treatment, but it’s essential to check with your eye doctor to avoid any serious consequences. To directly mediate the effects of aging eyes, moisturize and hydrate your skin

Health Insurance For Senior Citizens
Health insurance for senior citizens comes with an overwhelming amount of information, terms, and coverage rules. Can health insurance cover hospitalizations or prescription drugs? Can it help cover long-term care? All of these are valid and important questions. It is important to know what medical services you need covered as you begin looking for a

Senior Homeshares
Key Takeaways Homeshare arrangements refer to two or more unrelated parties residing in the same home in a mutually beneficial agreement. Homesharing is ideal for seniors who are unable to live alone but don’t want to live in a senior-assistance home. Senior homeshares can offer great psychological, social, and financial benefits. It’s essential for homeowners

Does Medicare Cover Coronavirus?
Key Takeaways Covid-19 has negatively impacted people of all ages, so it’s important to follow all social distancing and quarantine guidelines. Medicare Part B covers all copays, deductibles, and fees associated with coronavirus testing. Medicare Part A covers hospitalization costs if you have coronavirus and need inpatient care. The Centers for Medicare & Medicaid Services

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. In retirement, you

Weight Lifting Routines For Seniors
Whether this is your first time getting into weight lifting or you are an avid weightlifter, researching what exercises are best for you and your body is the best place to start. Seniors who follow consistent weight lifting routines will notice the immediate benefits – such as better sleep and more energy. But there are

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
Key Takeaways Before enrolling in Medicare, verify with your employer if you are eligible for employer-based retiree medical insurance. Assess your medical needs and budget to determine which plan is best for you. There are dozens of policies that offer different benefits, so read through each carefully before making a selection. Seniors enrolled in Medicare

Medigap Insurance vs. Medicare Advantage Plans
Key Takeaways Both Medigap and Medicare Advantage is available to current Medicare recipients. Medigap is supplemental insurance sold by private Medicare-approved companies. Medicare Advantage is an all-inclusive insurance plan that includes standard Medicare benefits with extra coverage. You cannot have Medigap and Medicare Advantage at the same time. Comparing Medigap Insurance vs. Medicare Advantage plans