I’m Paul Miller and Welcome to My Blog

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Simple Hacks to Live Healthy and Reduce Medical Bills

They say that health is wealth. Unfortunately, we are living in a time when obesity is becoming quite common. Also, there is a lot of people getting cancer due to unhealthy habits. If you are one of those who plan to  live a long and healthy life, here are some things that you can do that can eventually reduce your medical bills along the way as well.

Stop smoking

A lot of people still smoke. It is a billion dollar industry, and despite the number of government efforts, people still smoke. Over the years, a lot of people acquired cancer and other conditions related to smoking. One of the best ways to avoid lung problems and different types of cancers is to have a plan on how to stop smoking for good. The good news is that it doesn’t always have to be cold turkey. You can have a plan that can slowly remove your dependence towards tobacco and nicotine.

Sleep well

Recovery is a body requirement. Unfortunately, a lot of people can’t sleep due to the number of distractions. From phones to different activities we do, a lot of people are sleeping only for a few hours a day. This can be detrimental to your health in the long run. It is a good idea to turn-off your devices in order to find a way to just sleep and rest. Also, it is a good idea to not drink caffeine when you are a few hours a way from the targeted hour of sleep.

Exercise regularly

Over the years, a lot of people have been stuck in their offices. This can take its toll on your health. It can increase your chances to have cardiovascular conditions especially when you get older. An hour of exercise daily is a great way to boost not only your health, but to also look good. You will be able to burn calories and make sure that your body is in top condition.

Eat the right food

Eating the right food is a good way to live healthy as well. It is a good idea that you eat a good amount of fiber in your diet. Include vegetables, fruits, and whole grains. Also, it is a good idea that you watch the calories that you eat. If you are someone who is already living an active lifestyle, expect to increase your calorie intake.

If you are looking to live a healthy life and keep the doctor away, make sure that you turn to these easy-to-follow habits.

Insurance Options For Retirement

 

 

 

 

 

 

 

 

 

 

 

 

Medicare Insurance Options for Retirement

Federal health insurance program Medicare provides different plans of health coverage, which are not provided by basic benefits package. It is available for persons aged 65 years and older, but there are exceptions for people with physical disabilities.

Medicare was founded in 1965 and since that time it has helped millions of people. For more information on Medicare go here.

Of course, health care has never been cheap and Medicare is not a solution to this problem. But anyway it helps to get benefits and be sure in your future.

As it was mentioned before, there are several supplemental plans, which provide different options.

So, let’s consider them closer:

  1. Medicare Part A (Hospital Insurance)

The title speaks for itself. Hospital Insurance provides coverage of inpatient hospital stays and accompanying patient care procedures. The advantage of this part is coverage of medical equipment (wheelchairs) and services like some lab tests.

  1. Medicare Part B (Medical Insurance)

Medical Insurance it’s an additional plan to Part A. Mostly it covers health prevention procedures and rehabilitation procedures.  Also, it includes doctor’s visit, laboratory services, diagnostic tests, surgery services.

Part A and Part B are the most commonly used among citizens. As you see, each of them has its advantages, so, people prefer to take them both in order to have full coverage.

  1. Medicare Part C (Medicare Advantage Plans)

It is a good alternative to Part A and Part B. It combines benefits and services of these two parts (except hospice care in Plan A). Medicare Advantage Plan includes hospital insurance and medical insurance. But the main benefits of this plan are the existence of hearing, eye and dental care. Also, it usually includes some drug coverage and some extra benefits for an additional fee.

The Advantage plan insurance you buy from private companies, which cooperate with Medicare.

  1. Medicare Part D (Prescription Drug Coverage)

It’s an additional part to Parts A & B and Part C. Drug Coverage helps the owner to pay for the prescription drugs. Sometimes it helps to lower the price of medicines. You must have one of the previous plans; in another case, you cannot enroll Part D.

Of course, Drug Coverage not cover all drugs. There is a list of medications, which are covered by the current plan.

And separately it should be mentioned Medigap. It’s also an additional insurance that covers additional costs that are not provided in Medicare plans. It could be coinsurance, deductibles, health care when you travel abroad. You can take it only in private insurance companies. Bluewaveinsurance.com has a good post about UHC Medicare Supplement plan G, which is a popular option among seniors.

The price of each Part depends on many reasons. Generally, Part A is free, but if you pay taxes for more than 10 years, you must pay a fee. For example, Part C is offered by private insurance companies, so the price can be different in different companies and states.

As you see all plans have advantages and disadvantages. They are different in price, terms of cost and coverage. So, choose the Plan that works best for you.

Hi! I’m Paul Miller

I have 20+ years as an experienced and skilled instructor who specializes in group instruction and fitness team building. My kinesiology degree and continuing education have allowed me to help many groups and individuals to achieve their goals.