How about your senior sex life? Is sex important?

How about your senior sex life? Is sex important?

This is one of the most common question that many of the seniors have been asking and it is not only asking; but asking without being given a conclusive answer. Science demand that sex is very important for seniors not because it is something that brings about pleasure and satisfaction. There are a number of reasons why it is very important for you to consider maintaining your sexual life at all costs even if aging might limit your vigor. Sometimes, people may not have time to have sex basically because they are too busy or have so many things to think about and find solution. As you retire, you need to make sex one of your priorities in the priority list, in addition to obtaining Medicare Supplement plans 2020 with

Importance of sex during your senior age

The first importance of sex during old age of during your senior age is that it is a source of exercise. Sex is interesting as it uses almost all of our body muscles. With that idea at hand, it is very crucial to make sure that you consider having sex twice or thrice a week. This, however, may depend on your moods and whether you are tired or not. All in all, you need to consider having sex so that you will engage most of your body muscles. This is something very important during old age.

Secondly, sex helps seniors relax. Relaxing your body muscles help you rest and this is what professionals have been advocating when it comes to senior health matters. After having sex, you will realize that there is that recovery period where you rest and expel all you breathe out. That is the basis of relaxation because during that time, your body muscles will release all the tension and that is why you will find yourself sleeping soundly afterwards. Sex is also a source of satisfaction and focus on other things. For those who do not have partners, it becomes very difficult to concentrate of personal businesses when there is that burning urge to have sex. However, after satisfying that need, a senior will realize that his/her sense normally rejuvenates and that is when you will feel like you are thinking straight once again. Considering this fact, it is very important to have a partner or a spouse who will help you satisfy such needs. However, if your health does not allow; then there is no crime.

Basic Facts about Medicare supplemental plan J

Basic Facts about Medicare supplemental plan J

Generally referred to as the Medigap J Supplemental Insurance Plan, the Medicare Supplement Plans 2020 insures some expenses which are not insured by the original Medicare program. The reality today is that plan J has been taken off the shelf. However, this Plan is still valid for those who joined the program as of June 1, 2010. In addition, there is also a separate annual franchise of about $ 250.What is covered by plan J?Similar to all Medicare supplement plans or Medicare Advantage plans, Plan J guarantees certain deficiencies in Medicare A and B insurance, including:

  • recovery at home
  • Attention through qualified support structures.
  • Emergency assistance to travel abroad.
  • Medicare insurance (for example, Part B)
  • Excess of commissions/costs in part B
  • Up to $ 120 in preventive care not covered by Medicare
  • Franchises of parts A and B

What the Plan does not cover:

Unfortunately, some health problems are not covered by Plan J (that is, according to the Centers for Medicare and Medicaid Services); and include the following:

  • glasses
  • helmet
  • dental care
  • Long-term care in a nursing home.
  • nursing assistance
  • eye care

The bottom line is the elimination of Plan J, due to the need to improve the overall infrastructure of Medicare insurance.

Standard exclusion:

It has been frequently said that Plan J has been removed from Medigap plans because there were two benefits similar to Plan F. Plan F has been considered the broadest of all Medicare Advantage / Medigap Plans. The two main benefits that separates plan J from plan F include home recovery and preventive care. The Centers for Medicare and Medicaid Services canceled both guarantees for lack of use. As a result, Plan J has been removed due to this duplication.

Other considerations:

It is important to note that Plan holders J who are not covered by the above conditions are subject to the “blocking of closed activities”, which means that new contracts will not be offered after June 1. There are lots of assumptions that the premium of insurance Plans will increase due to the earlier mentioned factors above. Even though this can be valuable to some senior citizens, its impact on current recipients has not yet been seen.It is a good idea for each individual with a Plan to evaluate the prevailing Medigap plans and compare the rewards and benefits with what is being paid currently. You could be amazed to learn that you can save money and enjoy benefits similar to those in Plan J.Every insurance agency sets a commission that an agent or a consultant can offer to recommend their product. Insurers pay agents directly, so you never have to pay an agent for their services. The other school of thought is that you are paying this agent for your services as a client, so they are thinking of more than what they will earn for each sale.

Enrolling in an Aetna Medicare Supplement Plan

It doesn’t matter which state you are as we speak because as long as the Medicare supplement plan has outlined in its policy document that it will cover certain costs and that you stand to benefit, then be assured of the fact that it will cover it entirely. In other words, any health care service that has been stipulated through the Medicare Supplement plan will always be covered 100%. If this plan has no intension of covering certain benefits, then it will otherwise specify it in its policy. If you are planning enrolling in an Aetna Medicare Supplement Then don’t fear anymore because whatever is stated will always be covered up to the last cent.

aetna medicare supplement plansThere are a number of benefits that will always be covered by this particular plan and it upon you to choose those benefits that will suit your health care needs. It covers Part of this plan; which states that the plan will always cover coinsurance and all the hospital costs. Coinsurance is basically covering your even when other insurance covers exists. In that case, you will be entitled to being covered by the Medicare supplement plan even if you are being covered by other insurance firms. The cost of health care will also be covered for up to an additional 365 days after medical benefits are used.

There is a Medicare Part B; these are basically the benefits associated with coinsurance and copayments. With this benefit, you will be entitled to being covered by more than one insurer where two or more insurances contribute towards covering your health costs. With this part, you will enjoy a large pool benefits. For instance with a copayment benefit, large hospital bills will be catered for and your will have no financial issues when settling hospital bills.

The plan also covers for benefits that are associated with blood. In other words, the Medicare supplement plan will always cover for expenses that can be accrued through purchasing blood pints. With this plan it is possible to benefit from the fact that the plan will be in place and it can cover the cost of acquiring three pints of blood. In case of accident, therefore, you will be given the first three pints and the costs associated will be covered by the Medicare Supplement Plan. However, the plan may not cover for expenses accrued above 3 pints of blood.

What Are Your Benefits From 2016 Medicare?

It’s the time of the year again to make health insurance decisions for 2016. Understanding group health insurance is confusing and understanding Medicare raises a different set of challenges.

There are corners and cracks in Medicare that are a little taxing and can lead to unexpected expenses.

Medicare is a health insurance program for people over the age of 65, but also covers people under the age of 65 with certain disabilities and people with end stage renal disease.

What Medicare includes

Medicare Part A (hospital insurance) includes inpatient care in a hospital, specialist care facility and hospice. It also includes services such as laboratory tests, surgeries, doctor visits and home health care. This cover is mandatory for all persons and you will automatically be registered at the age of 65.

Medicare Part B (health insurance) includes services provided by physicians and other health care providers, outpatient care, enduring medical equipment, home health care, and some preventative services. Part B is selectable with the option to reject it at enrollment or drop it at a later date.

As a rule, anybody should have Medicare B, even those who have veterans or Indian health care.

Medicare also offers coverage for prescription drugs; it is referred to as part D. The government relies on private insurers to market prescription plans with different costs and coverage options. As this is a competitive industry, insurers tend to keep the premium and coverage in parity.

Even if Medicare covers a benefit or an item, you usually pay for a deductible, co-insurance, and co-payments.

Some of the services and items that Medicare does not cover include:

  • Most dental care
  • Long-term care
  • Dentures
  • Eye examinations related to the prescription of glasses
  • Cosmetic surgery
  • Routine foot care
  • Acupuncture
  • hearing aids

If you or your spouse has paid Medicare taxes while you work, you typically do not have to pay a monthly premium for Medicare Part A (hospital insurance).

It’s a bit misleading as all health insurance costs are premium, and for Medicare Part A the monthly premium is $ 407. If you have not paid Medicare taxes during your pre-Medicare years, you pay the $ 407.

Part B requires premium payment from everyone on Medicare because Part B is an elective insurance. You can decide not to take it during regular Medicare enrollment. If you choose it, the Part B bonus is $ 104.90 per month.

If you are not registering for Part B when you are first eligible, you will have to pay a late enrollment deadline for choosing Part B after you first bid and you will pay the penalty as long as you have Part B.

Your monthly bonus for Part B may increase by 10% for every full 12 month period you might have chosen to wear Part B. You may also have to wait until the General Registration Period (January 1 through March 31) to sign up for Part B, and reporting will start on July 1 of that same year.


What are the key aspects of the Medicare Advantage Program?

Adequate medical care is needed today by every single person. It is always important to choose the best possible plan. Citizens of a country have the right to use medical facilities. Every country should make plans to its citizens.

In the United States, the government has made some plans for the citizens. It is the responsibility of citizens to choose the right kind of plan. You may be aware of the Medicare advantage plan that has become quite popular these days.

There are many people who become confused when faced with the challenge of choosing a medical program. This topic needs a detailed discussion because many things need to be discovered. You should learn to evaluate the plans to make sure they are suitable for your future.

Medicare program details are available on the Internet today. There are several types of programs and they offer a variety of programs. The premiums and fees vary depending on the policy.

You should review the different plans to find out the details of these programs. The Medicare program details usually have 4 aspects. The first part, also known as Part A, includes hospital coverage. This aspect covers the costs of hospital and home health care.

You will have to pay monthly fees so you can top up your balance. It will be better if you keep a few quarters of social security credits. If you have more funds in your social security account, you will pay less monthly fees.

If you are unable to obtain the right Medicare information, you may miss certain aspects of this facility. There is also a Medicare benefit plan that can be accepted by the citizens. Many people want to know what Medicare advantage is.

This plan was created in 2003 and this plan is actually a partnership between private insurance companies and government programs. There are several Medicare benefit plans available today. You only have to choose the one that suits your needs.

Get a 2019 advantage plan at

The Medicare program details are usually for seniors, as they can apply for these programs. These plans are also available for people with disabilities. When you reach the age of 65, you will be able to take full advantage of these government plans.

In addition to Part A, you can also search for Part B Medicare program details. This part includes the treatment for the Out patients. In this scheme you have to pay monthly fees of $ 110.

Part C of the program is the Medicare Benefits Program, which includes various types of therapies, medical expenses and laboratory examinations. Choose your plan very carefully so that you have no problems with your medical facility, especially in your old age.

Which states offer Medigap insurance for people under the age of 65?

Medicare Advantage plans 2019One or more Medigap plans are available to people under the age of 65 in at least 25 states. These include California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Illinois, Kansas, Kentucky, Louisiana, Maryland, Michigan, Minnesota, Missouri, Mississippi, North Carolina, Oklahoma, Oregon, Pennsylvania, South Dakota, Tennessee, Texas Utah , Washington and Wisconsin.


AARP Medicare Supplement plans 2018

If you were to get a Medicare Supplement plan, you would be able to enjoy more coverage than what you would normally get with a basic Medicare. An MA plan is equal to buying Part A and Part B together with a Medicare supplement plan. So if you are looking for a health care insurance, then sign up for an AARP Medicare Supplement plan.

Why Buy AARP?  We can tell you why at

AARP offers the same insurance plans that other insurance companies also sell. These options are specially crafted by Medicare and handed over to insurance companies – such as AARP – so they can sell to the public. The companies can then decide what rates these plans should have, and then put up the plans on their network. These networks consist of every healthcare facility that has been approved to offer AARP’s coverage plans. This means that if you visit any facility that is on their network, you will receive the coverage that you signed up, and are paying for.

If you visit a clinic or hospital that is not on AARP’s network, you will get zero coverage. Although, on some plans like PPO plan, you will receive partial coverage. However, coverage may differ depending on what network plan you chose. Most people are not eligible for all available options; they can only pick between an HMO and a PPO plan.

Is AARP plan any different from other plans?

AARP plans are pretty much the same type of plans that are covered by Part C Medicare and that is unlikely to change anytime soon. Changes can occur only if Medicare decides to alter their plans in some minor way; any changes that occur should not be anything drastic though. If any major change to the coverage is in store for any supplement plans, then Medicare will let its members know well in advance.

AARP has been around for quite some time. They offer healthcare insurance options as well as all kinds of senior services. They have a wide knowledge of senior care and they can help any senior Medicare subscriber find the right supplement plan for them. It can take some time to pick out the right option, so start planning for your 2018 Medicare supplement plan coverage today. If your medical or financial needs changes, be sure to update your plans and make appropriate changes to your coverage.

If you are unable to get the coverage you need to be able to afford proper medical care, then an supplement plan might be what is best for you.

Why should you choose Humana Medicare advantage plans?

Since it is imperative to most of the human beings, that it is important to avail yourself the Medicare services and not just for the luxury of it but for the advantages and possibilities it provides when one is in desperate need. Life can be cruel and it can turn cruel whenever it wishes to. So it is better to be safe than sorry. The Humana Medicare advantage plans are one among the many Medicare services that you can get for yourself. The Humana spreads and markets the Medicare advantage plans across many states. There are many advantages that you might avail yourself to if you choose their services or the Medicare advantage plan that they market. It will be according to your needs and you will benefit from it vastly. However, some of the reasons why you should avail their services are as such:

Humana Medicare advantage plan provides you with wide and various choices from the Medicare advantage plans to choose form. There are many policies and you need to be specific on which on you would desire to have because availing the wrong one will not help you in your need or emergency. Thus, it is important for you to choose the Medicare advantage plan very carefully and accordingly.


  • Within your budget:

The Humana Medicare advantage plan provides you with a wide variety of plans to choose from and you can avail them within your budget. If you have a particular amount sorted out for the premium that you might have to pay for the plan, then it will be easier for you to know which plan to avail and what to do accordingly.

  • Additional benefits:

Humana Medicare advantage plans along with covering your original Medicare expenses and plans also adds on a bit of extra benefit. They allow their customers the added advantage of availing free dental, vision and hearing checkups regularly under the doctors entitled under their vast network. Thus, they do add in the added benefit for the benefit of their customer.


It is important that people avail themselves to the Medicare facilities because there is no saying what might happen when and might save you a lot of extra expenses that you might have to bear without a Medicare advantage plan in your old age.

What is Medicaid?

Medicaid is a health insurance program that is meant for low-income individuals and families. This program is eligible for people who are 65 years of age and above who meet the limit of income and asset in their state. It provides a range of health insurance coverage including doctor visits, drugs, hospital expenses, nursing, and home health care.


There might be others qualified for Medicaid, yet that is dictated by each state. Most who get welfare will have a social laborer who can prompt them on its qualification and who might be qualified for this program. Medicaid is an exceptionally costly program, and on occasion, it is one of those disputable projects that some need to cut a portion of the subsidizing while others in Congress don’t. If any financing for this program was cut, there are numerous individuals, including kids, handicapped, and elderly, that would be with no primary restorative care.

Another region that can be questionable is figuring out who is qualified for Medicaid. To be eligible for Medicaid you need to meet specific pay qualifications and different living conditions. The central government and state-run Medicaid together. Each state has changed directions in respects how to select in the program. Before you apply and begin the enlistment procedure, you should check the qualification for qualification. You will likewise be advised which records you need before an assurance of eligibility is given out. Some consequently qualify for Medicaid, so there is no compelling reason to apply for enlistment. One case of quick enrollment is those that are on SSI, may naturally be eligible for Medicaid so they may never need to experience the enlistment procedure.


While applying for Medicaid to decide your qualification you should have verification of your wage if you have any, or documentation for Social Security wage or Disability installments. They will likewise need your address, names of doctors you have seen, particularly if you are attempting or handicap, inability assurance paper, what your month to month sum got, and government managed savings quantities of the kids living in the home under age eighteen. While applying for Medicaid, it doesn’t discover that you are naturally affirmed however will look your case over and afterward settle on their choice. Some are denied Medicaid for different reasons like not rounding out an application entirely.

How to Stay Healthy

There are many ways a person can be healthy these days that won’t cause a problem for one’s budget.  Going to gyms may be too costly for some people, but there are so many ways to do your daily exercise at home

A first place to start to be healthy is your diet. Daily meals should be balanced with plant and animal proteins, whole grains and fruits and vegetables cooked simply without the added sauces one may get in a restaurant. Enough liquids to hydrate the body is essential. Drinking water is one of the best ways to do this and should be consumed throughout the day. Water not only hydrates the body, but also helps with your digestion.

Click here to learn more about a Mutual of Omaha Medicare Supplement plan

Exercising daily is a very important thing to do for one’s self to be healthy. We do some exercise with just our daily chores like vacuuming and general cleaning around the house.  Washing clothes, walking back and forth between chores will increase the steps you need each day. Walking is another great exercise for the body. It promotes a great deal of advantages by just taking a 30 minute walk each day. It helps to build muscle and bone density just by using the weight of our bodies. Brisk walking is very beneficial for all our organs, especially our hearts. The faster one walks helps the heart muscle to get stronger and withstand stress. This doesn’t cost a person anything but time. Getting a pedometer will help one see how many steps one gets in a day. Striving for 10,000 steps a day may seem too hard to accomplish, but one will find that all steps during the day add up quickly.

Some people love to dance, so put on some music and dance around your house for 20 minutes. This is free and very enjoyable to get your exercise in for a day. It helps your whole body and will tone muscles, arms and legs and you will have fun as well.

Seniors have insurance plans that allow then to go to certain gyms for free and there they can use the machines to get exercise in and get them out in the public.

The internet is such a valuable source for free exercise routines. There are many to choose from, such as, Tai Chi, walking routines, strength training and stretching. One could start their day in bed doing stretches to warm up the body before even getting up.

Have fun and get your exercise in every day to keep the body mobile and healthy.