Medicare advantage plans are very beneficial and very useful to those that are eligible for the plans. Before purchasing any health insurance cover, you should have adequate knowledge about the benefits that they provide. This is to ensure that the cover you apply for will be useful every time you need it and that it will cater most if not all of your medical expenses. There are many benefits of these plans. There are various categories of Medicare advantage plans and each one of them offers different benefits. However, there are other benefits that are common among the plans.


One of the benefits that are common among the plans includes first three pints of blood whenever you have a blood transfusion or a medical procedure that needs blood. Another benefit is that it offers coinsurance costs with other medical insurance covers or plans that you may have. The coinsurance costs are offered for an extra additional one year after medical benefits are exhausted. The plans also offer benefits for hospice care. This is done by offering coinsurance and copayment plans for hospice care.

medicare advantage plans in 2019

Other additional benefits are specific to a specific plan. For example if you have a Medicare Advantage plan ,which are located at you will get very comprehensive benefits that include foreign travel emergency costs benefits and also a coinsurance policy in a Skilled Nursing Facility (SNF). Therefore to get maximum benefits, find the most suitable plan although the most comprehensive plan mostly is the highest priced. There are also other plans that include innovative benefits and this is also very useful.


Unlike other plans, there are other medical conditions that Medicare advantage plans do not cover. These include eye or vision conditions, hearing aids, dental treatment and health conditions that involve long term care. Before taking the cover you should be aware of these facts to avoid the disappointment of the plan not covering your medical expenses.


Each lettered plan of the Medicare insurance plans has varying benefits and also varying premiums charged. You should conduct an in depth research to make sure that the plan you will choose will offer maximum benefits and that it is also affordable. B3fore taking Medicare insurance plans, you should also compare it with the plan that already have to make sure that some of the conditions not provided for in the plans will be catered for by your other medical cover.


Being a senior, you most probably have been away from the world of dating for an extended period. To enjoy a successful dating, you must avoid making the mistakes mentioned below:


Appearing too desperate


In case your spouse left you, you may be eager for finding your new partner; however, you must not let the person you are dating know about it.


Among the major things which you want to avoid is saying stuff like you’re in love with the individual you recently met.


It’s normal for you to be excited when you are dating after a long time.  Have you considered the right insurance?


You might want to mention the individual is interesting to you, however, you never want to say you are in love with him/her.


Negative profiles


Simply go through the dating profiles on various senior dating sites online and you will encounter a large number of negative profiles. Such profiles not only appear boring but they’re also irritating. Even in case you’ve encountered numerous problems in your early life, it’s not wise to whine about it on the web.


Make sure you showcase an open mind and a positive attitude while dating as a senior online. Your profile needs to be filled with positive stuff. Also, you want to appear positive while interacting with potential dates.


Using the wrong website


Thanks to the development in the technological world, you are able to find your love from the comfort of your house.


While you’ll find several sites in regards to dating, not all might fit you well. Even if you register on one of these, you might find it tough to find a suitable companion as they might be full of folks searching for younger dates.


In order to increase your odds of locating the right partner, you must research and identify reputable senior dating websites online. Next, you want to create an appealing profile and upload your most recent photo.


Giving up early


Despite the fact that online dating can cut down the process of dating, still, it’s crucial that you stay patient. Similar to a traditional form of dating, you require time for meeting the right individual. Some seniors join these sites and give up too early simply because they are unable to find potential partners in the first week.


Know that you won’t meet your potential date overnight. So, be sure to stay calm, patient, and consistent when it comes to reaching out to as many individuals as possible.


Be truthful


Remember that people who are contacting you rely on the info you’ve provided on your dating profile; hence, by giving the wrong info you’re likely to attract the wrong folks.



Medicare supplement Plans 2019 shows that there is little doubt in the world that, unless you’re so rich, you’ll need a supplementary medical insurance plan to get you prepared for any type of medical emergency. Even if you have savings, you’ll never really predict how much you’ll be having to pay to bridge that medical bill and your medicare coverage. It’s good to have that medicare coverage but to make sure your finances are kept intact through these unpredictable times, an insurance plan that backs your original plan is ideal. Many people have had to accumulate properties and money in their banks, only to end up having to use some of them, if not all, to pay for medical bills. If you simply don’t want to risk it, take time out to make a medicare supplemental insurance comparison among the various plans and choose for the best so you can start using it as soon as possible.


Although all people need that kind of security especially when economies around the world are not exactly sterling, some will simply have a greater need for it. First, those who are self-employed will probably only realize the value of this extra coverage when a medical emergency has happened and they have run short of financial resources. Employed individuals are particularly at an advantage since companies include supplementary insurance as part of their benefits package. That means they don’t have to go out of their way to seek a plan provider because their employer will take care of it. Those who are self-employed, however, are on their own. Hence, they need to make these considerations themselves from choosing the right medicare supplement plans to the right company to give it to them.


The second person who will need supplementary insurance is the one who does not save. Most probably, the person who does not save is the one who earns only enough income for daily needs. Therefore, should a medical emergency arise and the bills are in excess of their Medicare coverage, a huge problem will have been created. To some extent, those who have stashed away some amount would be in a better position because, unless the gap is that huge, the savings would usually suffice even as they should ideally be spent only with a plan and not an emergency. This means the person who does not save at all could find himself in a really bad situation.



 For people who aged 65 in USA and looking to make a change in your Health Insurance plan, this year may be a good time to go back to the supplement plan, as many of the private fee for service plans in Michigan have been eliminated for 2011. Most insurance companies have moved away from plans with no network of doctors or hospitals to HMO and PPO plans. If your plan has been eliminated you are able to go back to a supplement health insurance plan. I am not a big fan of HMO plans, but if you just don’t have the funds it may be the way to go. Just be aware of the limits of your HMO plan and if and when you are allowed to go outside your network of doctors and hospitals.


The two major reasons to go with a supplement plans instead of an Advantage plan is the freedom to choose your doctor and hospital, also many of the supplement plans pick-up all the costs that Medicare does not pick up. When you choose a supplement plan check out which ones pay for your Hospital deductible and which ones pay your deductible for doctor visits. Remember you will have to enroll separately in a prescription plan too. If you don’t take many medications now you can go with a basic plan for now. Each year one can change his prescription plan.

Medicare supplement Plans 2019 has amazing plans for seniors though, which can be found at Health is vital and so it is handled  these days. A third pricing model may be the most popular because it’s not based on age. Rates are the same for everyone in a designated area independent of their age or gender or even whether they use tobacco. Rates typically start out higher that other pricing models, but that will be different in later years.


These plans won’t be the most expensive because their rates won’t be raised to account for your advancing age. Finding an agent willing to do some research can help. Finding an agent who will compare a lot of plans or a website that allows you to comparison shop quickly and easily is your best bet; in Pool plans, there are no pre-existing conditions to stop one from procuring a pretty good major medical insurance coverage; in fact, one actually has to have significant medical condition or conditions to be eligible.