Exercise for Seniors


You may not be as fast as you once were, or be able to stretch quite as far, but staying even a little active in your advanced years is crucial for your health and happiness. Exercise affects mood, strengthens your immune system to fight off disease, and keeps your heart and brain functioning in top shape. Follow these easy tips to stay active and healthy.


Don’t let the word intimidate you, Yoga can be practiced by those of all ages and skill levels. There are plenty of basic moves and stretches that you can perform that will help strengthen your core and keep you flexible, all while keeping your muscles strong as well.

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Given a regular Yoga routine, you may start to notice you’re not out of breath so easily anymore or are able to bend over to pick something up without being in immense back pain when you stand up. With a breathing and mindfulness aspect to Yoga, you’ll also maintain a clear and calm head, keeping a happy and positive outlook on life.

Personal Trainer

You should always consult a doctor before taking on any exercise routine, but hiring a knowledgeable professional who is licensed to advise you on the perfect exercise routine for your body is the next thing you should do. Check your Medicare supplement plans as some personal trainers may qualify as home care visits.


These professionals spend their days evaluating your health and customizing exercise and nutrition plans specifically for you. Find one who is certified to do the job so you can trust they are knowledgeable and giving you the right advice.

Home Gym

If you don’t want to get caught up in huge, intimidating gyms, it may be a good idea to purchase a few crucial pieces of gym equipment to keep in your home. A Yoga mat the make your stretching more comfortable, some light free weights or resistance bands to add a little resistance to your normal movements, and a large inflatable Bosu ball are great and inexpensive items to keep around.


You could also spring for an all in one home gym that folds up to fit nicely in a spare room, and includes weighted resistance and a bench to allow you to perform a number of exercise moves all with one piece of equipment. These cost a bit more upfront, but chances are you’ll cover a large number of exercises all with the same machine.

Understanding Medicare

What Is Medicare?

Medicare is a national, tax-supported health insurance program for people above 65 years and some with disabilities. If you have worked full time for 10 or more years over a lifetime, you are probably eligible to receive Medicare Part A (Hospital Insurance) for free. The Medical Insurance (Part B) is available at a monthly rate set annually by Congress. Some seniors are entitled to receive the medical insurance portion (Part B) free as well, depending on their income and asset levels. For more information, inquire about the Qualified Medicare Beneficiary (QMB), Special Low Income Medicare Beneficiary (SLMB), and Qualifying Individual programs through your county social services office.

How Does Medicare Work?

Medicare is actually two separate types of insurance–hospital and medical. It is not intended to cover all your medical expenses. Hospital insurance (Part A of Medicare) covers medical treatment and surgical procedures performed in a hospital. It also covers hospice, home health, and limited skilled nursing care. Medical insurance (Part B of Medicare) covers part of the cost of doctor bills, outpatient care, medical equipment, and lab and diagnostic tests. With the Medicare modernization act of 2003, Medicare Part C (Medicare Advantage) and Medicare Part D (Prescription Coverage) also became available, through private insurance companies.

How Do I Get Medicare?

If you are receiving Social Security benefits prior to turning 65, you should automatically receive notification of your enrollment in Medicare shortly before your 65th birthday. Other individuals must apply by calling or visiting their Social Security office to receive Medicare. If you are not yet receiving Social Security or if you have not received a Medicare enrollment notice, you should contact the nearest Social Security office for information. Applications for Medicare can be made during a seven-month period beginning three months prior to the month of your 65th birthday. IT IS BEST TO APPLY DURING THE THREE MONTHS PRIOR TO THE MONTH OF YOUR 65TH BIRTHDAY. If an application is made during that time, coverage will begin on the first day of your birth month. Applying later will delay the start of your benefits. You can also apply for Medicare from January 1 through March 31 every year after your 65th birthday. Your coverage then starts July 1 of the year you signed up and you will pay a 10 percent surcharge on the Part B premium for every 12 months you were entitled but not enrolled.

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In the course of recent years, the issue of healthcare and therapeutic administration provision has been a hotly debated issue. This has been encouraged by the progressing monetary subsidence. In order to cater for the general population, the government has planned health approaches including the Medigap insurance. Otherwise called the Medicare Supplemental Insurance, this policy takes care of the medical expenses and costs for example the specialist’s visits, drugs prescription, indicative testing and general expenses of hospitalization. Be that as it may, this cover does not cover for each cost and recipients of this cover need to pay a few segments of their costs.


The Supplement Plans


Notwithstanding the supplemental strategies there are other health insurance techniques as plans. The best Medigap plans in 2019 are effectively detailed and are intended to meet the specific needs of individuals. Some of these plans include the Health Maintenance Organization (HMO), the Preferred Provider Organization (PPO), Medicare Special Needs Plans, Programs of All-Comprehensive Care for the Elderly (PACE) and Private Fee for Service (PFFS). For simple distinguishing proof, the initial four are characterized in the sorts area. Through the sorts segment, they are commonly alluded to as the Medicare Advantage Plans. These plans are overseen by the privately owned businesses however regulated by the Federal Government. The most common plans are the HMO and the PPO.


The Benefits


Through the Medicare Supplements, individuals have obtained huge benefits. To get into specific benefits, there is requirement for us to take note of that there are 11 arrangements which are otherwise called A through L. On account of K and L arrangements, individuals can get doctor’s facility benefits regardless of whether they have constrained money related backing. The F and J approaches are the economically accessible yet are loaded down with high deductibles.


Applying for Medigap Cover


Applying for the different Medicare supplemental Plans in this policy can be a troublesome assignment and long process. The interest for this policy is likewise expanding and individuals need to be secured inside the briefest time conceivable. The application procedure starts by investigating your funds. This guarantees there is satisfactory money related planning. Likewise, you can decide the most ideal and reasonable policy. Think about the mandatory deterrent care medications and any costly medication solutions. In the event that there are visit medications then it is prudent to get an arrangement that will cover the normal costs. Calendar a meeting with an operator and talk about the conceivable choices.


Note that the Medicare supplements can’t be purchased through one’s healthcare supplier. They are accessible through the privately owned businesses. They are intended to go about as extra insurance giving additional restorative coverage. So as to continually appreciate these health advantages, a month to month charge must be paid. Defaulting in instalments can be exceptionally sad and unfavorable to one’s credit. This can be averted and maintained a strategic distance from by getting the significant help from the operators and privately owned businesses on the loose. This help does not really need to help the individuals who are monetarily obliged.

Plan G or F?

If you somehow bought a new car, what might be more important to you? The brand or the quality of the car? Suppose you truly respect Lexus as an extravagance brand. In any case, shouldn’t something be said about the Toyota? It has similar highlights, quality, security; the main distinction is the brand. What might you do? Which car would you choose?


Presently, I realize that obtaining a car isn’t the same as acquiring a  Cigna Medicare Supplement plan in 2019.


There are 11 Medicare Supplement plans, alongside a high-deductible adaptation of Plan F. In any case, the first Plan F has turned into the official champion of the Medicare Supplement world, leaving every single other plan in the tidy.


Plan F has been showcased as the most elite, the extravagance car of the Medicare Supplement line. Be that as it may, numerous purchasers are never officially acquainted with Plan G. There are a couple of reasons this apparently indistinguishable plan has been kicked to the check amid deals introductions.


  1. It costs less, consequently operators will make a smaller commission significance Plan G isn’t as lucrative as offering the expensive Plan F


  1. Agents market this plan as a “bother” contrasted with Plan F; which means customers are scared into deduction Plan G would require more effort on their part.


We should talk about the principal reason. The normal distinction in cost between Plan F and Plan G is about $20-$30 (not real normal, yet rather my very own appraisal). This comes to generally $300/year in investment funds, or as a specialist would see it, $60 not as much as a Plan F would earn in commissions. This may not sound advantageous to a specialist’s plan, but rather in case you’re offering 100 approaches like clockwork that is about $6,000 down the deplete. Sound advantageous at this point?


It’s hard to way your sentiment on Plan F. A significant number of you feel that Plan F is the main plan worth your cash. The main contrast between Plans F and G is a little, minor thing called the Part B Deductible. This deductible expenses $147/year, and must be spent totally before Medicare or your carrier will cover anything. We should do some more math. Even if switching to a Plan G could spare you $25/month, you would in any case be sparing $153/year even with paying the $147/year Part B Deductible.


It’s a problem, yet a few people forego paying that $147/year out-of-pocket (it’s a deductible, you don’t need to send a bill anyplace) with a specific end goal to spend about $20-$30 progressively a month on the Lexus of Medicare Supplements.


Without a doubt, every one of your companions may have the shiny, new Plan F, however you could get a similar coverage for less and turn into the Medicare Supplement master of the gathering. On the off chance that my leads are agreeable, I endeavour to steer them towards Plan G. I’m not generally successful, but rather I trust Plan G will turn out to be more famous later on.

Retirement and Depression

Retirement is a beginning of a new life, you adopt a whole new lifestyle where you have no idea how to spend your free time. This transition from working life takes time and it can become a cause of depression in many seniors.

Consider the following example: Mr. John wakes up at 7’o clock every day. He is a banker, passionate about his work. He goes off to his office at 9’o clock and has a fixed schedule for his day which he pretty much follows for the rest of the week, month and years. Now think for a moment what will happen if he has to quit working altogether. For some people, it would mean a period of fun and relaxation, a time to shed all your responsibilities, to truly enjoy life but sadly for many, it leads to frustration and anger.

Every person experiences the emotion of sadness every now and then and it is perfectly fine. However, what most people fail to realize is that if these feelings linger on for an extended period of time, it is maybe a sign of depression. Factors of depression at the phase of retirement are numerous. Most people are completely engrossed in their jobs so when these professionals have to settle for a different lifestyle, they experience emptiness and loneliness. This can lead to depression if not handled properly.

The physical symptoms of depression can also not be ignored. Exhaustion, lack of sleep, fatigue and a sudden dramatic change in weight are the alarming symptoms of depression an individual can face after he retires. The question is what you can do to combat depression after retirement? There are plenty of steps you can take to prevent, identify and tackle depression.

Preventing Depression after Retirement:

Many people feel an immediate sense of excitement and euphoria after retiring but usually it is short-lived. Monotonous and dull daily life can take a serious toll on your health. Here are some helpful tips to get you back on track.

  • Plan for tomorrow

It is never too early to start thinking about your needs after retirement, writing them down is even better. Your time belongs to you and you should have a clear idea of what to do with it. Do not wait till retirement, make clear goals and plan ahead on how you will achieve them.

  • Schedule activities


Do not fool yourself by thinking that retirement will mean waking up late and doing whatever you want, your days will quickly turn into an endless chaos of boredom. Instead, plan your activities in a proper manner. Establish a workable routine and make sure you stick to it. Give equal time to physical and mental activities, spend time with others and work on your own happiness.


  • Aim for a balanced lifestyle

Staying in shape is beneficial for both physical and mental health and as you age it becomes more important. Maintaining a healthy lifestyle is therefore a crucial part of your well-being. Eat a balanced diet, stay active and go for regular health checkups. Also, consider building social connections, attend sport events, travel and join community groups.


It is never too late to think about your future. A good health-care plan will ease your transition to the next phase of your life with less difficulty. The search for the right plan is now easier and well within your reach. Check out Medicare supplement Plans for 2019 and select one according to your needs and requirements.


  • Seek Help

If you feel that you are noticing depression symptoms for quite some time, it is better to seek professional help. There are different treatments, counselling, medications and cognitive behavioral therapy which can help patients. Stay busy and happy and do not ignore any signs of depression to combat it on the earliest stages.

Benefits of Health Insurance After Retirement

One of the biggest expenses after retirement is the healthcare expense. Most people spend a good amount from their retirement fund on buying insurance plans. The question here is that which health insurance plan should be considered for a hassle-free process. There are a huge number of health insurance policies that offer different type of coverage and it is recommend opt for Medicare Advantage Plans for 2019 as there are various benefits of this plan.

After retirement, the income reduces and on the other hand, the medical expenses begin to increase with age. So just compare the cost of hospitalization due to common sickness for two days on self-finance and on company’s insurance coverage, you will see a big difference which is the major reason why people are moving towards Health insurance policies.

Most of the Health insurance policies cover the annual checkup costs which seem to be unbearable in the escalating healthcare costs nowadays on self-finance. Negligence in the annual checkup will keep you uninformed of the diseases which can be treated now but can be fatal if the diagnosis is prolonged.

Medical emergencies and accidents can happen anytime and anywhere. There is a possibility that you are short of funds on that specific time. So medical insurance plans keeps you sufficiently covered to bear the sudden medical expenses. Moreover, one should consider buying family medical insurance as the medical emergency can happen to anyone. One more benefit of family medical insurance plan is that it is relatively inexpensive than individual medical insurance of all family members.

Beside bearing medical costs, some insurance policies take care of the costs of medicine, mobility from home to hospital and vice versa and other miscellaneous healthcare costs. Some Healthcare insurance plans also cover the outpatient care facilities. Bearing the costs each time a doctor visits you can be a burden on your shoulders. In such situations, healthcare insurance policy saves your day.

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When you are paying yourself for the treatment, you generally ignore the need to go for psychological treatments, behavioral health treatments and counselling to reduce stress only because of the costs. Some insurance policies cover the expenses of psychological treatments too so you can visit your psychiatrist for routine counselling sessions.

Many health insurances policies also cover your routine laboratory tests which are necessary for whatever medical treatment you are going to have. Moreover, the expense of the services like eye care and dental care are also covered in some health care plans. Therefore, at the age of retirement, buying a healthcare plan to ensure the hassle-free treatment of your ailments is the best utilization of your retirement funds.