Tag: Health

Choosing Supplemental Health Insurance For Senior Citizens

Considering Medicare Supplement Insurance Options

Medicare is the health insurance program provided by the federal government for Americans or permanent residents who are 65 years of age or older. Americans under the age of 65 are eligible if they have disabilities or certain diseases. This program covers most health care needs, but not all. Medicare supplement insurance is also known as Medigap insurance can cover the gap between Medicare coverage and the insured payment of a deductible, coinsurance, and copayment charges.

These policies are offered by private insurance companies licensed to operate in each state and regulated by its department of insurance. Medigap benefits are defined by the federal government. Such policies only offer policy coverage deemed medically necessary by Medicare and are annually automatically renewed. Payments are typically based on a Medicare-approved charge. A Medicare supplement policy is not necessary for those who have other types of policies that provide coverage.

Within each standardized insurance plan, the benefits are the same from one company to the next; but, the premiums can vary significantly. The optimal time to purchase is during the first 6 months following your enrollment in Medicare. This is the only time insurers have to accept you regardless of preexisting health conditions. Whether you have to file a claim form depends on your doctor or other health care provider. They might file the forms for you, or else you will need to file the forms yourself.

Differences In Medicare Supplement Insurance Plans

Once you become eligible for Medicare health insurance, you might need to consider Medicare supplement insurance plans. Medicare covers most needs. Those needs not covered can be covered by supplemental insurance alternatively known as Medigap that fills the gaps between Medicare coverage and the payment of out of pocket costs.

The Medicare supplemental insurance policies are provided privately by insurers licensed in the state where they offer the plans. Policy coverage and payments are based on Medicare standards. Such policies are renewed yearly. You may not need one should you have sufficient coverage otherwise. The twelve standardized supplemental plans offer different benefit combinations. Plan A provides the least and is the cheapest. Plan J provides the most and is the most expensive. All insurance companies that offer supplemental insurance must offer Plan A. But, they do not have to offer the other plans, which may also not be available in every state.

For each type of plan offered by different insurers, the benefits are the same. However, premiums can be different. The best time to get a plan is within the first six months of enrollment in Medicare. As this is the only time, insurers are required to accept you irrespective of your preexisting conditions. If your doctor or other health care provider, files forms for you will not need to do it. Otherwise, you will.

The Nuances Of Medicare Supplement Insurance Plans

Medicare supplement insurance becomes a consideration when you are eligible for Medicare health insurance and might need it. Even though Medicare coverage is quite comprehensive, it might not suffice. If this is the case, these Medigap plans offer a gap covering solution.

These policies are provided by private insurers and are automatically renewed each year. The policy coverage is what is determined by Medicare and payments are based on Medicare charges. If your coverage suffices through other insurance you might have, this option is not for you.

Premiums can change each year to accommodate inflation and based on how they are calculated. At the start of the year, Medicare adjusts benefits to inflation and Medigap premiums change in tandem. However, the premium setting method can lead to further changes, if calculated by the attained age method that rises with age. The best choice is to select the most suitable plan and then purchase the policy with the lowest premium that does not apply the attained age calculation method to learn more.

Hemp Seeds, One of the Ways to Rebalance and Detox Your Body

Unless you live in a pesticide and chemical-free environment and eat only 100% organic, there is an excellent chance that your body is overburdened, nutrient deficient and headed toward obesity and long term problems. North America, in particular, has been lulled by the food industry to eat supposedly safe, processed, packaged and canned foods. Well, you’ve been fooled long enough!

Almost every time you open a package to cook something, not only are you eating inferior food, but you are also, for the most part, eating MSG. (Even some organic foods). I cover this in an earlier article and I recommend you educate your self on this subject as well.

In the last 50+ years, man has changed the way we eat so much that the health our great grandparents enjoyed are difficult to obtain today. Not impossible but very difficult. Our big problem today is toxicity! Our bodies are toxic and over-acidic and we need to take steps to ward off future problems. Hemp seeds can help in a big way!

No other seed or nut that I know of can match the quality and balance of nutrients that the hemp seeds butter recipe has its ingredients. Flax seeds come close but the hemp seed contains the correct balance of Omega 3 and omega 6 essential oils as well as linoleic acid, vitamin E and trace minerals and is an impressive 33% protein.

Hemp seeds are an excellent solution for vegetarians.

Our diets today are often without the correct balance of nutrients, for example, if you take a calcium supplement, you may not be absorbing it into the body because calcium needs magnesium and something acidic with it like a bit of vinegar or lemon juice in water to be absorbed into the body. So it is with omega 3 and omega 6. You need both to provide the cells in the body what it needs otherwise imbalances occur.

You can take fish oils for omega 3 and 6 but if you don’t like the after taste or have concerns about our polluted lakes, rivers, and oceans, then eating hemp seeds or using cold-pressed hemp oil in salad dressings can be a great alternative. They have a mild nutty taste and can be added to just about any meal. It is best to start your morning with hemp seeds in your breakfast, (add it to cereals, yogurt or smoothies or grind them to make nut butter.) If you want to replace dairy you can make hemp milk a home. Here is a recipe;

2 cups of hulled hemp seeds 
Very hot water 
Blender 
Colander 
Hemp cloth or cheesecloth

Put the hemp seeds in the blender. Add hot water to about ¾ of the way. Place the lid on the blender and hold tight with your hands. Start the blender on the lowest setting so that the content doesn’t explode out of the blender. (Hot liquids can do that). Once your blender is working smoothly you can increase slowly up to high and blend for a couple of minutes. Place the colander into a large bowl, then place the cheesecloth into the colander. Slowly pour the milk into the colander. When all of the liquid is in the bowl, grab all four corners and squeeze out the remaining liquid. Pour the milk into a glass container with a lid and refrigerate. Use it anywhere you would regular milk.

The body needs healthy fats and hemp seeds have all the essential fatty acids your body wants. When your body starts getting the nutrition and the healthy fats it needs, it will start to detox and rebalance the body to the proper acid/alkaline state and this is what you want because disease only thrives in an overly acid body. Eating hemp seeds daily may restore luster to your hair, improve skin conditions and more importantly may improve cardiovascular health and who wouldn’t want that!

You may want to consider the benefits of eating organic fruits and vegetables in addition to hemp seeds to improve the overall health

Enjoy!

Considering Cool Sculpting

About a dozen years ago I found myself very overweight. It had added up after 3 pregnancies. I had lost some, but not all of my pregnancy weight and by the time my third child was born I really needed to lose some weight. So, I did what most people do – I started working out and eating better. But, at the end I needed more and I wanted to know what the best body area for cool sculpting might be.

I was lucky in that I found a good friend to work out with. We had a nice friendly competition going so we spurred each other on. So, after about a year I looked great. The problem was that I still had some spots that had too much fat.

I don’t know if you know it or not, but there is no such thing as “spot reducing”. What that means is that you can’t just eat right and diet and expect to lose all your weight from your stomach area, for example. You will continue to lose weight from all over your body.

So, you may be wondering, what happens when you’ve lost all the weight you want to lose around the rest of your body but you still have those spots that you need to lose weight from? If you can’t spot reduce then what do you do? If you continue to lose weight all over when you really don’t need to just to lose the rest of the weight in those trouble spots won’t you end up looking emaciated?

And yes, if you continue to lose weight and you only have one or two trouble spots where you really need to lose weight, you may well start to look bad. The answer at that point is to find a safe procedure that can take out that excess fat just on those trouble spots.

cryolipolysis at home
cryolipolysis at home

That is where liposuction or an updated, non invasive alternative such as Cool Sculpt will come into play. You can even do cryolipolysis at home.

The nice thing is that the best body area for cool sculpting are those areas where most of us need it the most.

The spot reducing technique called Cool Sculpt, which is a cool laser targeted to fat cells in the skin, is one way to accomplish it. This method is non invasive and FDA approved and is approved to help you get rid of those unwanted pockets of fat on the stomach, hips, thighs, butt, flanks and back. In short, the areas most of us need it.

It is not recommended for small areas but lets face it; most of us don’t need it on small areas anyway.

So, if you’ve dieted and exercised, with your doctors approval of course, but you still have some trouble spots, techniques such as Cool Sculpt may be just what you need to get the total look you want.

And, since the best body area for cool sculpting are those areas that most of us tend to struggle with anyway it can be the answer to what you had hoped to accomplish.