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Posts Tagged ‘Plan’

Supplement Your Original Health Plan by Medigap Insurance

Medigap insurance or Medicare supplemental plan is that type of plan which asserts the possibility to get the complete benefits of the Medicare original policy by double. It is purely made remembering the criteria that Medicare original always left some money coverage or insurance money unpaid or undue due to insurance structure or insurance policy. It is normal and common to the insurance holders. For this you if you have to get 100% benefits of your Medicare original plan then you have an option and that is to applying for a Medicare supplemental plan or which is called medigap insurance plan.

Medicare supplement plans or Medigap is the private health insurance plans that are for those people who already have a Medicare policy. The Medigap or Medicare supplement plans helps the Medicare beneficiaries to bear that extra medical cost that are left aside by the original plans. The name Medigap is suggested because it is believed that these policies bridges the gap between the Medicare coverage and the original expenses or the total bill charged. However in the recent studies it is seen that in the United States about 18% of the people having original Medicare policy goes for the supplement plans also.

Some details are here following. Medigap insurance needs to be applied for after you have done an original one as it will be Medicare original’s supplement. Other fixed criteria are age and other medical screening before doing the plan. But all the plans are same fixed by the governing body of the private companies which provide medigap insurance. At first you have to enroll your name under the plan A or plan B of original Medicare plan. It is mandatory and vital. A person may obtain a Medigap plan on a guaranteed issue basis during the open enrollment period, which begins within 6 months of turning 65 or enrolling in Medicare Part B at 65 or older. And also that I this period no medical screening is required. But after this open enrollment you have to give a medical screening and test for this health insurance plan. If the screening is felt required then you have to sit for a physician’s checkups. You may note down that any other medical insurance plan like Medicare Advantage plan will not be compatible with medigap insurance plan. No private medical coverage plan is under the list of compatibility apart from the original Medicare plan.

Medigap insurance plans may vary state wise but the basic rules are the same and they have to be maintained strictly. No private company on its own can change the rules and other formalities according to its whim. It is always same irrespective of company from where you are getting the medigap insurance. Currently there are 12 standard plans available in USA. They are named after English alphabet starting from A to ends with L. All the 12 plans provide different kinds of benefits and offerings to its customers. Medigap Plans H, I, and J, cannot be sold to people with prescription to drug benefits, although there is a lax of this rule for people who already have those plans and they can keep them.

A Consumer’s Guide to Dental Insurance: How to Select the Best Plan for You and Your Family

A Consumer’s Guide to Dental Insurance: How to Select the Best Plan for You and Your Family

A Consumer’s Guide to Dental Insurance: How to Select the Best Plan for You and Your Family

Product Description
Selecting a dental insurance plan for your family can be a confusing experience. In “A Consumer’s Guide to Dental Insurance”, Dr. Warren A. Brill outlines the steps you need to take in order to help maximize your family’s dental health. The various types of dental plans are described in detail and the questions you need to ask when evaluating these plans are posed and answered. Many aspects of dentistry and dental treatment are discussed, including a glos… More >>

A Consumer’s Guide to Dental Insurance: How to Select the Best Plan for You and Your Family

Information of Medigap Health Plan

A Medicare supplement insurance plan also called “Medigap” is private health insurance designed to supplement original Medicare. This means it helps pay some of the health care costs or “gaps” that original Medicare doesn’t cover such as co-payments, coinsurance, and deductibles. Medigap health insurance plans may also cover certain things that Medicare doesn’t. If you are in original Medicare and you have a Medigap health insurance plan, Medicare will pay its share of the Medicare-approved amounts for covered health care costs. Then your Medigap health insurance plan pays its share. Every medigap health insurance plan must fit the law and orders of the state and federal. The private companies that sell medigap insurances can not sell their plans according to their wish or they can not fabricate or plan their plans of medigap plans. They have to obey the general rules. Medigap health insurance plan companies can only sell you a “standardized” Medigap health insurance plan identified by letters A through L. so it is no matter which health insurance company is selling the plans named A to L but the basic benefits offered by the specific plan must be the same with others selling out. It’s the rule to follow.

Now let us see who can get the benefits of this very supplement plans. The eligibility criteria that have been fixed by most of the companies which are providing health insurance plans is as follows. To go for a Medicare supplement plan a person is required to be enrolled in part A and B of original Medicare before they can go for a medigap policy. A person may obtain a Medigap plan on a guaranteed issue basis during the open enrollment period, which begins within 6 months of turning 65 or enrolling in Medicare Part B at 65 or older. And also that I this period no medical screening is required. But besides open enrollment the issuing insurance company may also put forth the requirement of medical screening and also may obtain an attending physician’s statement if it is felt necessary. But the thing that should be kept in mind is that this policy is not compatible with any other forms of private medical coverage as for example a Medicare Advantage plan.

But there is a big difference among the private companies selling their medigap health insurance plans and that is the difference of money. Each company set a price of the plans named A to L but sells them. It is very simple that you will go to the medigap plans which will offer you the maximum benefits that are low cost high gain. You can surely guarantee your health after 65 through this medigap health policy. There are many medigap health insurance plan companies such as Medicare supplement, compare mediocre supplement plans, Medigap insurance plans, Medigap health insurance plans, best Medicare plans, and supplemental Medicare insurance plans. Medigap insurance California is a well known company which offers the health plans in a modest cost and you can rely on them confidently.

Fat Burning Foods Plan

Fat Burning Food Program;There are certain foods which actually burn more fat than the Calorie content of the food itself. These fat burning foods are Natural Plant Foods. There are many healthy and delicious foods which can be considered negative calorie foods and/or fat-burning foods. Whether you want to try eating these foods only in order to lose weight quickly (ala the Negative Calorie Diet) is up to you. But, no matter what, you should try to incorporate at least a few of them into your everyday diet. They all offer one or more significant health, fitness, and/or fat loss benefits!
Build a Diet You Enjoy Otherwise You are not going to stick with it
I believe that a lot of our attention needs to shift away from pointless debates (for example, low carb vs. high carb is getting really old… so like… get over it everyone, its a calorie deficit that makes you lose weight, not the amount of carbs).
Instead, our focus should shift towards these questions:
* How can we build an eating program that we can enjoy while still getting us leaner and healthier?
* How can we build an eating program that helps us control calories?
* How can we build an eating program that improves compliance?

Here’s one good answer: Eat a wide variety of high nutrient density, low calorie density foods that you enjoy which still fit with in healthy, fat-burning, muscle-building guidelines! In my upcoming posts I will write about the lists of foods you can choose to achieve these three outcomes. This eating program is not difficult to stick with at all, by the way.I enjoy eating like this and it feels almost weird not to eat like this after doing it for so long. Remember, habits work in both directions, and as motivational speaker has said,
“Bad habits are easy to form and hard to live with and good habits are hard to form but easy to live with.”

About Author
2tastyfood.com is a try to keep in touch with food and fitness, how to cook food which is tasty, rather 2tasy and healthy as well. Healthy means, which is not fattening and has ample nutritious value http://www.2tastyfood.com

Basics of Medigap Health Insurance Plan With Some Tips For Better Choice

Before we start our discussion about Medicare supplement plans we have to know the basic thing that what it is and what it stands for. To be precise the Medicare supplement plans or Medigap is the private health insurance plans that are for those people who already have a Medicare policy. The Medigap or Medicare supplement plans helps the Medicare beneficiaries to bear that extra medical cost that are left aside by the original plans. The name Medigap is suggested because it is believed that these policies bridges the gap between the Medicare coverage and the original expenses or the total bill charged. However in the recent studies it is seen that in the United States about 18% of the people having original Medicare policy goes for the supplement plans also.

The Medigap offerings or the Medicare supplement plans have been standardized by the Centers of Medicare and Medicaid Services (CMS) in 1992.Let us start from part A. Part A Medigap plan is your hospital insurance. It helps you to pay for the medical treatment that you receive in a hospital or skilled nursing facility. It also covers some of your home health care and hospice care, if you are ill for a time being. Part B is that part of the insurance coverage that helps you pay for the medical services that are not covered by the Part A policy. It also includes the Doctor’s charge. It is rather helpful when you are having a Part A policy. Part C is that part of the insurance coverage or such a Medicare supplement plan that combines both Part A and B coverage. It also provides some additional services. The Part C Medicare supplement plan is offered only through Medicare approved private insurance companies. The Part D Medicare supplement plan is for your prescription drug coverage. It helps you pay for the medications prescribed by your doctor. In this case it is to be mentioned that the policy holders who enroll themselves for standalone Part D plan may not retain the drug coverage portion of their Medigap policy. But the beneficiary may choose to remove drug coverage from their current Medigap policy and retain all other benefits.

In most of the cases the Medicare Supplement Insurance companies can only sell standardized Medigap policies. It is also that the companies must mention the specific benefits that they offer so that you can easily compare them. It may be that each and every company may not offer every Medigap plans A through L, but they are bound to provide clear information about the policies they are dealing with. But the fact is that each company must provide Medigap plan A if they wish to offer any other Medicare Supplement Plans. However to sell the rest of the policies should be decided by the company themselves, although law might affect which ones they offer. But also with that as the Medigap plans are mostly administered by the private companies therefore the amount of the premium payable is totally under their consideration.

Have Your Medigap Insurance Plan Before Retirement

Medigap health insurance is a must to do insurance plan for your old age. You can not relay on your retired days health as you can face some problematic diseases and maladies in these sweet but troublesome days. You have to be always alert and careful beforehand lest you can face some real tension over this issue. So it is always better to be prepared before when you have time in your hand. Medigap health insurance is for this purpose.

The first two Medigap insurance plans, A and B are the most basic plans in the policy, with Plan B offering a little more comprehensive coverage outside the U.S. Plan C includes all the basic benefits of A and B, plus nursing home options and a foreign travel emergency portion.

Plan D features everything in Plan C, with some additional at-home recovery options. Plan E in Medigap insurance continues to offer the basics, plus a few combinations of home care, foreign travel and preventative care features. Plan F focuses on excess charges and will cover the difference between the doctor bill and the Medicare portion. Plan G is similar to Plan F except only covers 80 percent of that gap.

It is however advised that you should go through the policy statements carefully before deciding to choose one best fit for you. And for the concern of the policyholders it can be said that the all the plans with the same letter cover, no matter which insurance company sells it must cover the same benefits. As for example it can be said that all Plan E policies have the same benefit coverage irrespective of the insurance company selling it. However, it should be kept in mind that the amount of premium can vary with company.

You can find out that there are lots of medical companies selling medigap and not Medicare because the latter is a government venture and the former is a private venture. All these private companies are called as medigap health insurance companies or Medicare Supplement companies. But they may be thousands in number but they have to follow some basic rules irrespective of their separate status. The regulations are something like these. They can not change the plans of the medigap policy according to their whims and requirements. The rules are more or less fixed. There is Medicare Supplement Comparison. This will tell you which will be good to choose and which should be avoided. It is however advised that you should go through the policy statements carefully before deciding to choose one best fit for you. And for the concern of the policyholders it can be said that the all the plans with the same letter cover, no matter which insurance company sells it must cover the same benefits. As for example it can be said that all Plan E policies have the same benefit coverage irrespective of the insurance company selling it. However, it should be kept in mind that the amount of premium can vary with company.

A Consumer’s Guide to Dental Insurance: How to Select the Best Plan for You and Your Family

A Consumer’s Guide to Dental Insurance: How to Select the Best Plan for You and Your Family

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