The Rising Popularity of Integrative Geriatric Medicine

The world of Integrative Medicine, sometimes referred to as “Alternative Medicine”, has been in practice around the world for thousands of years, but has only recently started gaining popularity in Western society. Encompassing nutrition, exercise, therapy, healing, and natural medicines, its holistic approach to health and wellness appeals to seniors in particular.

With the right provider also comes the right insurance.  Need help?  https://www.medicareadvantageplans2019.org

More and more doctors are starting to implement integrative approaches to medicine when it comes to their senior patients for a variety of reasons. As patients age and accumulate various age-related conditions, prescriptions for each condition begin to accumulate as well. This could cause adverse reactions for the patient from two or more drugs interacting with each other as new ones are introduced. To avoid this, doctors must fully understand all of the patient’s conditions and prescriptions, and spend a good amount of time finding the right drugs to introduce that won’t have harmful effects. Measures of alternative medicine could replace prescriptions drugs for certain conditions.

 

Even if not to replace prescriptions altogether, alternative medicine could be a good way to supplement for overall health in a patient. A common practice of integrative medicine is to understand the patient’s lifestyle in addition to their just their health profile. Perhaps they’re not getting enough walking in each day, or going outside enough for some good ‘ol vitamin D from sunlight. They could be eating nothing but fried and processed foods, or they’re experiencing an issue that’s causing them a lot of stress. These are all things that could cause health issues, but could also potentially be solved without the use of prescription drugs. Without a deep understanding of the patient’s overall lifestyle, a doctor may not know the underlying cause of an issue that may actually be very simple solve.

 

This kind of care is particularly important for seniors as our health becomes more fragile as we age. Any measure that can be taken to avoid overprescribing or potentially causing further complications should be considered. As our healthcare providers embrace the concept of integrative geriatric medicine further, more of them are willing to make recommendations for alternative methods of care and providers in those spaces. Other examples include acupuncture, herbal medicine, or nutritionists.

 

If you’re unsure about your insurance coverage, it’s a good idea to consider Medicare supplement plans to ensure the financial impact of utilizing these alternative care providers is minimal. Your regular doctor may have friends or colleagues they can refer you to, or you may even find that your doctor practices alternative medicine as well. Regardless, embrace your overall health and make sure you’re living a happy, healthy lifestyle.

Saving Money with Home Improvement

Each year thousands of dollars are wasted due to inefficiencies around the house. They may be too small to notice in any given day, but over time the costs add up. Follow these tips to keep your money in your pocket, where it belongs.

Saving money on insurance is important too.  Go to the following site for information on how: https://www.medicareadvantage2019.org/humana-medicare-advantage-plans-2019

Windows and insulation

Whether it’s your home’s heat during the winter, or the AC in the summer, most of your home’s energy goes straight out the window, literally. Thin glass panes or tiny gaps due to poor window construction leads to more energy being transferred outside the window. As you use more oil or electricity trying to maintain the temperature inside the house, those tiny issues are costing you more and more money. Switch to certified energy efficient windows to ensure the maximum amount of energy you’re generating stays in the house, keeping your costs as low as possible.

 

This goes hand in hand with the insulation in your walls and roof. Although it requires much more upfront work to insulate your house, if you’re not properly insulated the savings of switching to energy efficient windows won’t be nearly as much.

Lights and appliances

Much like your old windows, old appliances have a habit of wasting energy as well. Major appliances such as refrigerators, air conditioners, washers and dryers, dishwashers, and water heaters all have efficient models that, while likely costing more up front, will save money on your utility bill over time. These appliances utilize the minimum amount of energy possible to complete the same tasks as their inefficient counterparts.

 

Light bulbs are an easy change to make. Like appliances, they’re also going to cost more upfront. However, these light bulbs will last far longer so you won’t be buying them nearly as often. If you’re prone to leaving the lights on in rooms you’re not actually in, or leaving them on while you’re away from the house entirely, this is a particularly important switch for you.

Change bad habits

Start taking extra care to be conscious of any energy-wasting habits you or your family members have around the house. Turn the lights off when you’re not in that room. Don’t leave the TV on if you’re not watching it or aren’t even home. Water is particularly easy to waste, so be sure not to leave the shower running for long periods of time before you get in it and don’t take extra long showers. And don’t leave the sink on while you’re brushing your teeth.

 

Think of it like your Medicare supplement plans. If you invest a little upfront for the long-term benefits, when you add it all up the money you could be saving is significant.

AN INSIGHT INTO MEDICAL ADVANTAGEPLANS

Getting an additional plan that will serve as a backup for your medical care is important. This is because most medical care packages will often not take care of everything including services and supplies referred to by your doctor. Supplemental plans therefore serve to cushion you from the hefty financial blows in matters health and are provided by private insurance companies. The insurance covers will take care of the additional service and supply costs and by doing so; significantly reduce the amount of money you pay when you visit your physician.

Get an advantage plan for 2019 at https://www.medicareadvantage2019.org/humana-medicare-advantage-plans-2019

There are times when one’s medical condition compels treatment to be sought from overseas. Shouldering this kind of expenses that constitute both transportation costs, accommodation costs and medical costs can be very difficult for one person. Having a supplemental medical care will help reduce the overall expenses as the insurance cover will take care of the medical expenses which are the most expensive part of this situation.

Medigap plans serve as a support plan. Medigap achieves this by supplementing the user’s original medical care package. For one to qualify for Medigap services, it is mandatory that you be part of an existing original medical care plan and even after the supplemental protection, one has to continue with the original medical care membership because Medigap only serves as a advantagemeaning it cannot exist alone as a cover.

Medigap is a coverage that is only available for persons above the age of 65 years in most states.  Other medical conditions like disability, the last stage of renal disease and amyotrophic lateral sclerosis. These ailments can disqualify one from being eligible for Medigap coverage.

It is important to note that Medigap coverage plan does not extend to one’s prescription as stated by the doctor. This therefore means that one may have to consider also signing up for a stand -alone Medicare Prescription Drug Plan. Medigap as a coverage is only meant to advantagethe costs incurred in the original medical care.

It is important therefore that one conducts a good research to establish the extent to which a particular coverage will shelter you so that you do not subject to a situation blindly. Research should also be done to know which covers go hand in hand and the limitations they all have. The Medigap plan gives beneficiaries the option to also get policies from extensive sources like one’s employer and other insurers.

MEDICARE SUPPLEMENTS FOR SENIORS

 

Health Insurance alternatives for those on Medicare are very confusing. For those enrolling in Medicare for the first time, the time-line for doing this is from three months before the month one turns age 65 till the end of the third month after the month one turns age 65. It is during this period of time that one wishing to sign up for a medicare supplement plan or an advantage plan may do so without concern for medical conditions. If one tries to enroll after this open enrollment window, you may be declined acceptance into a medicare supplement plan and may have to wait till the next annual open enrollment period for an Advantage or prescription plan, which is from November 15 to Dec. 31 of each year.

 

If looking at Medicare supplement Plans 2019, keep in mind there is no requirement to enroll in any Advantage, Medicare Supplement or Prescription plan.   Get assistance and help at https://www.bestmedicaresupplementplans2019.com/However, if one elects not to enroll in a prescription plan when eligible, and you do not have another credible prescription plan, you will have to pay a 1% penalty for each month that you wait to enroll in such a prescription plan in the future. The 1% penalty is figured on the cost of a base plan. Also be aware that the penalty is payable for the rest one’s life.

 

The following is important for those concerned about their access to affordable Health Insurance and the most appropriate health plan. If you elect to get an Advantage Plan instead of a supplement plan, you may not be able to change and go back to a supplement plan if you develop a medical condition. The only thing that will let you go to a supplement plan is if your Advantage plan is canceled or eliminated for some reason (other than something that was your fault) or if you move out of the plans service area for your current Advantage plan. This is very important to keep in mind as an Advantage plan may become more expensive and limit some of you health insurance options. It is my recommendation to go with a supplement plan instead of an Advantage plan if at all possible. Remember that supplement plans do not include Rx coverage.

For those that just don’t have the funds for a supplement plan, there are HMO plans available in most areas now that offer zero cost options.

 

 

 

 

AVOIDING MEDICARE SUPPLEMENT PITFALLS

Most of the time, your age, gender, whether you use tobacco and your zip code factor into what you’ll pay for a Medicare Supplement plan. That’s just the “tip of the iceberg” when it comes to pricing schemes for Medicare Supplements. Standardization means that every Plan A includes the same benefits whether it’s available from a well-known insurer or a relatively unknown insurance company. Paying higher premiums won’t get you extra coverage. You’ll have to change to a plan with a different letter to change your benefits.  Help for this change can be found at https://www.medisupps.com/mutual-omaha-medicare-supplement-plans-2018/

In spite of this, insurers do charge inexplicably different prices for Plan A, Plan B, etc. The only way to know you are getting the best rate for the plan you pick is to get estimates from lots of different companies. That’s where the Internet comes in handy. Several websites offer quotes on plans from different companies and frequently provide personal assistance to help you compare plans.

Medicare supplement Plans 2019 can be priced based on different models and the lowest price may not serve you as well as you’d like. That’s because you’ll have less opportunity to change plans if your health deteriorates over time. When you’re turning 65, an open enrollment period guarantees you can get the standard rate with no increases or exclusions for pre-existing health problems. Unfortunately, the cheapest plans when you’re 65 may not be best-priced plans a decade later.

Medicare Supplement Plans for 2019

The pricing model that increases premiums based on age is known as Attained Age Rated. It’s tempting because it really does offer low rates for 65-year-olds. It’s a risk because your premiums will increase not only based on inflation, but just because you inevitably grow older. By the time your premiums are higher than those of other plans based on different pricing models, your health may not allow you to move to less expensive plans. That means you either have to pay higher rates or give up supplementing Medicare and pay for a lot of health care out of your own pocket. Another pricing model is known as Issue Age Rated, but it’s not very common. Pricing is based on your age when you apply for a plan and rates don’t increase just because you get older. Rates do rise with inflation, though. These plans typically cost less if you apply at a younger age. It may not be readily apparent which pricing model has been applied to the plans available in your area.