How Medicare supplement plans help you avoid excess charges

High health care bills can become a great reason to worry. Sometimes, the financial state simply doesn´t allow for these unexpected, high bills, while health care might be necessary due to an unforeseen condition. This leaves many people sleepless and can even turn out to ruin some financially. Some people go in high debt due to health care costs and it takes them years to get out of this situation.

The good news is, there is a way of preventing this from happening to you. Keeping your health care costs under control is an important step. A good way of doing so, is by getting a Medicare supplement plan. A supplement plan you will need to pay for monthly, but it will cover for your health care expenses throughout the year. And to most, paying smaller amounts each month is easier than paying one high bill all of a sudden. In combination with Medicare supplement plans, there are tips and tricks on how you can avoid and lower your costs. One of these tips has to do with the Medicare part B excess charges!

Which supplement plans cover it-

There are two Medicare supplement plans that cover for your Medicare part B excess charges. These are the supplement plan F and G. Both of these plans also cover many other expenses too, which is why the premium rate for these two is usually higher than the one for other supplement plans. The good thing is, you don´t really need a supplement plan to cover for the Medicare part B excess charges. If you´re looking into a supplement that doesn´t cover it, you can get it without worrying. There are ways of preventing you from having to pay for excess charges anyway!

Which supplement plans don´t

All supplement plans, apart from F and G, cover for other expenses but not the Medicare part B excess charge. And really, they don´t need to.

A Medicare part B excess charge is an amount you would need to pay out of your own pocket for a certain health care service. However, there are many health care providers who will only charge you as much as your health insurance company will cover. If you only visit these health care providers, you will not have any excess charges at all! While there isn´t an online list of which health care providers are a part of this Medicare agreement, you can find out by simply asking the health care provider prior to making an appointment. This is an easy way of saving yourself some unnecessary costs!

If you still feel like it is necessary for you to be able to visit any health care provider, even if they charge more than what the Medicare limit is, you can simply enroll to Medicare supplement plan F or G. When enrolled to these plans, you will be able to visit all health care providers, without having to pay anything out of your pocket!


Aetna Medicare Advantage Plans

Aetna Mеdісаrе offers those whо ԛuаlіfу fоr Mеdісаrе a variety of wауѕ tо meet уоur health-care соvеrаgе nееdѕ. Prescription drug рlаnѕ, Advаntаgе рlаnѕ are quoted at

Prеѕсrірtіоn drug рlаnѕ are ѕtаnd-аlоnе plans thаt саn be added tо уоur Pаrtѕ A аnd B соvеrаgе. Advаntаgе рlаnѕ offer thе ѕаmе coverage of trаdіtіоnаl рlаnѕ wіth added bеnеfіtѕ. Suррlеmеntаl рlаnѕ hеlр fіll thе coverage gар thаt may bе lеft bу Pаrtѕ A аnd B. Aеtnа Mеdісаrе hаѕ tо оffеr thrее prescription drug рlаnѕ. All thrее рlаnѕ рrоvіdе a wіdе, nаtіоnаl рhаrmасу nеtwоrk, рrеdісtаblе co-pays, dіѕсоuntеd coverage fоr thе majority оf Part D drugs, ѕаfеguаrdѕ fоr unexpected changes in уоur prescription nееdѕ, аnd the savings аnd convenient орроrtunіtу оf a mаіl оrdеr program.

Thе Rx Eѕѕеntіаlѕ рlаn оffеrѕ аll оf thеѕе bаѕіс elements оf соvеrаgе. Thе Rx рluѕ Plаn оffеrѕ thе basics рluѕ еnhаnсеd bеnеfіtѕ including no dеduсtіblе fоr gеnеrіс and brаnd nаmе рrеѕсrірtіоn drugs аnd coverage. The Rx Prеmіеr рlаn оffеrѕ аll оf thе соvеrаgе іn thе Eѕѕеntіаlѕ аnd Pluѕ рlаnѕ wіth аddеd bеnеfіtѕ ѕuсh as preferred gеnеrіс prescription drug соvеrаgе іn thе gар that іѕ unlіmіtеd. Aеtnа Medicare Advаntаgе рlаnѕ аrе dеѕіgnеd tо рrоvіdе all оf thе соvеrаgе оf trаdіtіоnаl Mеdісаrе Parts A аnd B рlаnѕ along wіth vаluе-аddеd bеnеfіtѕ. Aеtnа offers four tуреѕ оf Advаntаgе рlаnѕ.

Thе HMO (Hеаlth Mаіntеnаnсе Orgаnіzаtіоn) рlаn gіvеѕ you ассеѕѕ tо a nаtіоnwіdе nеtwоrk of dосtоrѕ, predictable оut оf pocket соѕtѕ, $0 со-рауѕ fоr most рrеvеntаtіvе саrе, аnd mоrе. The PPO (Prеfеrrеd Prоvіdеr Orgаnіzаtіоn) рlаn offers thе benefits оf аn HMO wіth thе flexibility tо сhооѕе оut оf nеtwоrk рrоvіdеrѕ fоr аn additional fее.

Thе PFFS (Prіvаtе Fee for Service) plan has nо nеtwоrk of саrе providers. You are free tо сhооѕе whісh dосtоrѕ уоu see and whісh hospital уоu uѕе. Alѕо offered are Sресіаl Needs plans whісh allow coverage tо bе tailored tо аn іndіvіduаl’ѕ unіԛuе circumstance. Fоr advantageal insurance соvеrаgе or Mеdіgар, Aеtnа Medicare offers Plans A, B аnd F. Thеѕе рlаnѕ hеlр to соvеr еxреnѕеѕ not соvеrеd by Medicare Parts A and B соvеrаgе.

Some оf these соѕtѕ іnсludе dеduсtіblеѕ, coinsurance, emergency саrе fоr fоrеіgn trаvеl, hоѕріtаl or ѕkіllеd nurѕіng саrе bеуоnd what is соvеrеd bу a trаdіtіоnаl рlаn аnd your fіrѕt thrее ріntѕ оf blооd еасh уеаr. It is іmроrtаnt tо note that nоt аll advantageal plans are regulated bу thе federal and state gоvеrnmеntѕ tо рrоvіdе рrоtесtіоn tо соnѕumеrѕ. Nоt аll plans аrе available іn every ѕtаtе.

Are Co-Sharing Medicare Supplement Plans the Best Option for You?

Out of all the Medicare supplement plans available at two of these plans offer only partial coverage, as they are co-sharing plans. With co-sharing plans, your health insurance company will cover a part of your bill, while you will have to pay for the rest of your bill by yourself. In 47 states, Medicare supplement plans are standardized and offer the same benefits. In these 47 states there are two co-sharing Medicare supplement plans available: the Medicare supplement plan K and the Medicare supplement plan L.


Medicare supplement plan K

This Medicare supplement plan will cover for 50% of your health care bills. However, not all benefits are included. These are the benefits, which Medicare supplement plan K will cover up to a 50%:

  • Expenses for Medicare Part B co-insurance and co-payment
  • Expenses for Medicare part A co-insurance and co-payment due to hospice care
  • Expenses for so-insurance due to skilled nursing facility
  • Expenses for the Medicare part A deductible

There is one expense Medicare supplement plan K covers to a 100%, which is the expenses for Medicare part A co-insurance. The Medicare supplement plan K has a limit, to make sure that the out-of-pocket costs don´t become too high. If you´ve paid an amount of 5,240$ for the year, Medicare supplement plan K will start covering all the benefits that were covered up to 50%, to a full amount of 100%.


Medicare supplement plan L

This Medicare supplement plan will cover for 75% of your health care bills. Similarly, to plan K, not all benefits are included, but here are the ones that are:

  • Expenses for Medicare part B co-insurance and co-payment
  • Expenses for the first three pints of blood
  • Expenses for Medicare part A co-insurance and co-payment due to hospice care
  • Expenses for Medicare co-insurance for skilled nursing facility
  • Expenses for Medicare part A deductibles

One expense that is covered up to 100% is the expense for Medicare part A, just as it is covered by the supplement plan K. The difference to supplement plan K is, apart from the fact that is covers 75%, is that its annual limit is lower. With supplement plan L, 100% coverage starts once you´ve reached an out-of-pocket limit of $2,620.

Enrollment of Medicare supplement plan K and L

Medicare supplement plan K has a number of 1% members enrolled, in comparison to the other available Medicare supplement plans. This makes this Medicare supplement plan a not so popular one. The Medicare supplement plan L has even fewer members, with a number of 0,5% of enrolled members. Although, since these measurements were taken, both enrollment plans have been starting to grow in popularity.

If you´re able to set aside the amount required for the annual limit, choosing one of these plans might be the right financial move for you- giving you a peace of mind, allowing to control your expenses. Don´t forget to compare prices, as the premium rate for Medicare supplement plans may be different from company to company.


Best Places to Retire in the U.S

Best Places to Retire in the U.S

Whether you retire because you are eligible for pension benefits or your health does not allow you to work any longer, there are many things to think about as you approach retirement. One of the main concerns of retirees is where and how they would live? Which town offers more activities and benefits for seniors? Where can they get the best insurance and medical supplement plans? However, in the U.S there is a variety of options for people who are retired or are gradually approaching retirement. Some of the best recommended places for retirement are briefly discussed in this article.

Athens, Georgia:

An extremely successful and bustling university town of 120,000, east of Atlanta. A perfect place for the seniors to live. It offers many interesting restaurants, nightclubs, music stores, sidewalk cafes, bars, bookstores and shops. Moreover, the housing choices are quite varied, with different neighborhoods to choose from.

Bella Vista, Arkansas:

A foothill town in the northwest corner of Arkansas, this town offers great outdoor activities and recreational opportunities. It is full of beautiful trees, lakes and hiking trails while being close to shopping and city activities. Housing cost is relatively low, there are lake houses and close by smaller, middle class homes as well. Medicare advantage plans for 2019 help cover coinsurance for Medicare. These are priced very low in Arkansas.

advantage plans in 2019

Boise, Idaho:

Boise is medium sized city in Idaho which is also a great retirement community. It offers many fun activities and a great life style for people over 50. It is home to many small businesses it has a wide range of shopping, amusement and dining opportunities plus a new theater complex. Boise has a great mix of affordable new and old neighborhoods and there are many communities for active adults which makes it a great place for people to retire.

Port Charlotte, Florida:

Port charlotte is located in Florida and charms many senior citizens because of its warm winters. The house rents are quite affordable and it is perfect place for boating, fishing, and golfing. It has shopping malls, theatres and other cultural opportunities along with good restaurants. Most retired people come here to spend winters and enjoy dozens of active adult developments and communities.

San Marcos, Texas:

San Marcos is a small riverfront college town between Austin and San Antonio. It has numerous historical sites and the country’s largest outlet shopping center. This pretty little town has two rivers flowing through it with parks and natural trails along their sides. It is decently priced for housing with low cost of living than the national average. There are all sorts of restaurants for great dining experiences.

Green Valley, Arizona:

It is basically a collection of dozens of retirement communities and developments in southern Arizona. There are numerous homeowner associations in Green valley, it is surrounded by copper mines, and great hiking and birding mountain areas. Green valley provides many opportunities for arts and entertainment, and fine dining. Cost of living is below national average with a large variety of home associations to choose from.

Living care-free after retirement is what everyone dreams of, but it requires planning and wise investments. Save money and Invest in additional health insurance policies such as Medicare Supplement Plans to be relaxed about your medical bills. Do a little research prior retirement about the best places in USA to retire so that you have a clear idea which place suits you best and where you want to live after your retirement.


Know about automatically or manually signing up for Medicare

Are you 65 years old? You may be having grand children and are also retiring from career or taking trips that you may have dreamed for a long time right from your teens. Sixty-five is the first year you become eligible for Medicare Supplement Plans enrollment. Medicare is the health insurance program providing Part A and Part B relating to hospital and medical insurance for people who are 65 and older and also for people under 65 years if they quality their disability. However, the Part A and B are referred to as Original Medicare.


When to sign up for Medicare Supplements?  Now! Visit

You may be enrolled automatically in Medicare to become eligible. So, understand the difference of signing up for Medicare manually and automatically. Signing up automatically for Medicare is possible if:

  • You are getting retirement benefits from the SSA
  • If you are getting Railroad Retirement Board benefits


If you are automatically signed up for Medicare Supplement Plans, your Medicare card is sure to be mailed in a period of three months before 65th birthday. The Medicare benefits will initiate on the first day of your birthday month as you turn 65. In case your birthday is on the first of a month, your benefits will begin from the previous month on the first day.


Signing up manually for Medicare

If you are not receiving Medicare automatically, you may consider signing up manually for Medicare supplement plans by:

  • Visiting the social security and applying for Medicare, in case you are not eligible or not yet qualified to receive the retirement benefits.
  • Apply personally visiting the local office of social security.
  • Call the Social Security from 7 am to 7 pm between Mondays to Fridays.
  • Working for a Railroad means you may apply through Railroad Retirement Board for Medicare that works from 9am to 3.30 pm between Mondays to Fridays.


How you can avoid the penalty of late-enrollment as you sign up for Medicare

If you are not getting the retirement benefits as you attain 65 years, it means you are working. If so, you must sign for Medicare Supplement Plans as you retire and this will be the time your employer health care coverage is also not available.  As the coverage from employer ends, you may sign up for Part B Medicare as special enrollment period and you can do this without any late-enrollment penalty.

Help for Seniors

Something very important for all adults is the grandparents and grandmothers present in their family. Taking care of them is a great task and it is always necessary to have some help so that everything is fine with them. Some may be able to take care of themselves however, others need care 24 hours a day since they have suffered some disease that has left them a little damaged.

Be that as it may, there are aids of all kinds so that Seniors can be well cared for. The only thing is that it is left to each family’s decision which one they will use. Even so, some opt for the smartest option that has appeared in recent years and is known as Medicare Insurance. Medicare supplement plans in 2019 will not be changing benefits.

Medicare is a health program which is directed, above all, towards adults over 65 who have already retired from their respective jobs. To all of them, it gives them the opportunity to be protected in case of facing any health emergency since they work with all hospitals in the country.

Full length image of a group of happy elderly people

This means that, wherever you are, Medicare can be responsible for all the bills you have to cover as long as they meet the requirements established for them. In addition, there are several plans that you can join and all you have to do to make Medicare your best friend is to keep paying your monthly premiums without fail.

Heath For Senior is something important for everyone across the country and Medicare understands this completely. That is why you are always looking for new ways to help all your users to make their lives easier.

As such, it is a help for seniors since Medicare devotes most of its attention to retirees over 65 who need special care. They are always pending and seek to answer all your questions and clarify all your doubts through the different communication channels they have for them.

If you like, you can go to their website or you can call the hotlines such as 0-800 MEDICARE. There you can consult with an operator and ask the question you have in your head and it will be automatically answered.

Finally, Health for Seniors has changed due to this health program that not only has a plan for all its users. As stated above, every day Medicare adds new things to its catalog of options so that you can choose yourself along with your advisor.

You see, you have part A that is directed mostly towards expenses when you are admitted to the hospital, then you have part B which covers the medical exam and heavy equipment bills. Part C, which is also known as Medicare Advantage, offers you an extension of the previous plans so that more things go into the coverage, and part D, whether with the original plan or the Advantage, is responsible for covering the cost of prescriptions doctors send you for treatments.

With Medicare, your life will be a lot easier. This is real Health for Seniors.