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Medicare Supplemental Insurance in New York

People who have sought Medicare for their family would be aware of its potential prospects and its benefits. They would be taking adequate steps in making sure that they go for Medicare as soon as possible in their lives since this is one effective way to save money on healthcare expenses. There are two Plans of Medicare- Plan A and Plan B and both have undeniably important roles to play. Still, there may be clauses that Medicare might not be covered in these two plans, and this is why today there is a plethora of Medicare supplemental insurance in New York . These policies are available locally in each state, and their clauses and premiums would vary too. Yet, these supplemental insurance policies are in great demand by those who are nearing sixties or in their mid-sixties. We shall now check on the areas that Medicare cover and the ones that require Medicare supplemental insurance. What are the areas that Medicare plans usually cover? Medicare Plan A would cover hospitalization,
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Healthy Eating Tips for Senior Citizens

When we get older our bodies have different dietary demands. You can’t eat like your 30’s or even 40’s anymore and a lot of people know this but never change their eating habits. Eating healthy can be a challenge, but our bodies count on us to nourish them. Over the past decade food has also changed. With unknown additives and sugar alternatives, some seniors don’t know that these additives can be dangerous. Here are a few tips that not only work well for senior citizens but for a majority of people. Eat Local Organic Produce. A bonus to going out to your local farmers market allows you to meet new people and get a little exercise. The main thing is to buy locally grown, organic produce. Farmer markets are usually cheaper and better quality produce then big brick and mortar stores. Another thing about buying from the market is it allows you to ask questions about the produce that you couldn’t from a retailer. Don’t have an aptitude? If you are having issues eating, or don’t like
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Medicare Supplement Insurance - What, Why and Who?

The main idea behind Medicare supplement insurance was to offer extra coverage above and beyond regular Medical care parts A & B for qualified people aged 65 and above or folks on disability under the age of 65. Medicare Parts A & B are really good coverage on their own. Part A helps pay for medical services while confined in a hospital setting and covers 80% of those services after a deductible is met ($1132 in 2011). The deductible is a "per benefit period" deductible which in most cases means you'll have to meet the deductible each time you have a hospital stay. Medicare Part B helps pay for your outpatient medical services. This would include things like primary care and specialist physicians and lab work, x-rays, outpatient surgeries, emergency room visits, and most other medical services in which you don't have to spend the night in a facility. This works like Part A in that you have a deductible ($162 in 2011) and then Medicare pays 80% of most s
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Introduction to Medicare Supplement Insurance in New York

If for one reason or another, you end up without access to group insurance coverage through an employer, all is not lost. You have the option to purchase an individual health policy from a private insurance company. Although individual medical insurance may be expensive, it's worth investigating the options. Coverage availability and premiums will vary from state to state. It may depend on whether or not your particular state has enacted laws that prohibit the rate modification based on your medical condition. For instance, the state of New York, health insurers that offer individual health coverage may not turn down a candidate because of poor health. Nor can they base their premiums on factors such as gender, occupation, age or health status. New York enjoys what is called community rating. Premiums are based on how many individuals in the family and in what part of the state you live. Choosing a new health plan isn't easy. There is no one plan that fits everyone. The
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