3 mistakes to avoid when taking medicare coverage

3 mistakes to avoid when taking medicare coverage

Medicare is a federal health insurance program for those aged 65 and above. Others who qualify for this plan include people with disabilities, End-Stage Renal Disease (permanent kidney failure), or Lou Gehrig’s Disease (ALS). Given the complexities associated with these plans, some people may find it challenging to navigate the insurance landscape. To simplify this process, this article lists three mistakes people must avoid making when taking Medicare plan coverage.

Missing the deadlines
Missing the Medicare sign-up deadline is one of the biggest mistakes when taking Medicare plan coverage. Those receiving social benefits over 65 are automatically enrolled in the program. However, others need to enroll for Medicare in the initial enrollment period, which:

  • Starts three months before one’s 65th birthday
  • Includes the month one turns 65, and
  • Ends three months after one turns 65.

Failing to enroll in Medicare in this period could result in a coverage gap. It could also lead to a lifetime late enrollment penalty, increasing with age.

Assuming spouse coverage
Unlike employee insurance programs, Medicare does not automatically cover the entire family. It is meant to provide insurance at an individual level. Those with spouses under 65 may need to opt for alternative insurance plans for their partners, such as an employer-based plan, a COBRA plan, or an individual health insurance policy.

Not having the right Medicare coverage
One may be eligible for four parts of Medicare – parts A, B, C, and D. Part A (inpatient coverage) is usually free. However, the others require the payment of a monthly premium. Medicare Part B covers outpatient care and doctor’s visits. Private companies offer Part C (or Medicare Advantage) for improved coverage, with many plans including vision, hearing, and dental coverage. Medicare Part D offers prescription coverage as set by Medicare. Signing up for the right Medicare plans based on one’s medical needs and expenses can help reduce health-related expenses and save money.

Apart from these mistakes, one must also carefully review the out-of-pocket costs associated with each plan, such as insurance premiums, copay, and deductibles. Review these plans each year to ensure they meet one’s medical needs as time passes.

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Hyperkalemia – 10 foods to avoid

Potassium plays a huge role in the health of our heart muscles and nerve cells. And high levels of this element in the blood cause hyperkalemia. If you consume meals high in potassium, your doctor may advise you to decrease portion sizes and concentrate on fruits and vegetables with a lower potassium content. Here is a list of foods rich in potassium that must be avoided if you have hyperkalemia. Yogurt and dairy products A serving of nonfat yogurt weighing eight ounces has roughly 625 mg of potassium, making it one of the dairy aisle's highest sources of potassium. Even reduced fat milk contains 366 mg of potassium in a glass of cow's whole milk. Ricotta and cottage cheese are also high in potassium. Goat cheese is a low potassium food, proving that not all cheeses are made equal. Likewise, About 131 milligrams of potassium may be found in a half cup of vanilla ice cream. Bananas When people consider foods high in potassium, bananas frequently come to mind. A banana normally contains 422 mg of potassium. Among all the fruit, bananas are athletes' favorite as they provide energy. However, it could be highly dangerous for someone suffering from hyperkalemia. Consult your doctor if you have hyperkalemia and stick to fruits such as apples and berries. Leafy vegetables About 420 milligrams of potassium can be found in only a half cup of cooked spinach. Raw spinach, young or mature, has roughly 167 mg per cup. Fennel, bok choy, beet greens, and Swiss chard are also high in potassium. You can opt for kale instead. Kale has more nutrients than these other dark leafy greens, but it has less potassium. 73 mg is present in one cup of raw kale. Fish Clams, which provide 534 mg of potassium in just 3 ounces, are the finest source of protein from seafood. Around three ounces of skipjack tuna offers 444 mg, another major source of potassium. One of the most popular fish, salmon, frequently has a lower potassium content. Keeping a check on what type of fish you are eating if you have hyperkalemia is a must. Kidney beans Beans are a balanced addition to any meal plan as they're rich sources of protein and fiber. However, according to data from the USDA, one cup of the kidney-shaped type has 713 mg of potassium. A half-cup of black beans has 489 mg of potassium. Avocado This creamy, green-fleshed fruit is packed with 690 mg of potassium and is high in fiber and heart-healthy lipids. Although it might seem good for your heart, you should avoid it if you have hyperkalemia. Potatoes Potassium is heavily concentrated in potatoes; 925 milligrams of potassium may be found in a baked potato. A three-ounce portion of french-fried potatoes has 470 mg of potassium and a lot of fat and calories. The potassium content in an ounce of potato chips is 465 mg. Indulging in fast foods like fries is adverse for those with hyperkalemia. Oranges A single orange has 240 mg of potassium, making it a food with a high potassium content. With 450 mg per 8 oz glass, orange juice is a more potent source of potassium. Fruits vary in their potassium content. Berries are a poor source of potassium and can be a decent substitute for oranges and orange juice. Another good option is apples. Dried fruits The nutrients in fruit, including potassium, that have been dried are concentrated. You get roughly 750 milligrams from half a cup of dried apricots. Also, even though raisins and dried plums make a fantastic snack, they should be avoided by someone with hyperkalemia. Legumes and beans Legumes are a significant source of potassium as well. White beans have the most, with 600 mg of potassium in a half cup. In half a cup serving, other legumes such as lima beans and pinto beans have between 300 and 350 mg.

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5 foods that help prevent under-eye circles

Dark circles under the eyes are quite common. It can be due to stress, allergies, dehydration, prolonged screen time, and hyperpigmentation. While there are no overnight fixes to get rid of dark circles, making certain lifestyle changes can help to manage the problem in the long term. One of these changes is adding certain foods to one’s meal plans. These foods are rich in essential vitamins and nutrients that promote healthy skin under the eyes and prevent dark circles. Tomatoes Tomatoes are rich in antioxidants and are a great source of lycopene, which gives them their red color. Lycopene is known for its ability to protect blood vessels from damage, which helps with blood circulation. Additionally, tomatoes contain quercetin, an anti-inflammatory compound that makes them effective in managing dark circles. Cucumbers Cucumbers are often used as a home remedy to reduce eye puffiness. Sliced cucumbers are placed on the eyes to help the skin relax. However, cucumbers can also be eaten for their eye health benefits. They contain a high percentage of water, which helps to deal with the dark pigmentation under the eyes. Additionally, cucumbers have a high concentration of silica that effectively improves collagen production for healthier skin. Berries Blueberries, blackberries, black currants, and other dark berries contain high levels of anthocyanin, a type of antioxidant that gives these berries their blue, purple, and black colors. Additionally, anthocyanin helps to improve blood circulation around the eyes and boosts oxygen levels, preventing dark circles from developing under the eyes. Watermelon With a high percentage of water content and lycopene, watermelons offer the benefits of both tomatoes and cucumbers in preventing the formation of under-eye dark circles. Moreover, this fruit is high in fiber, which promotes a healthy gut and ultimately enhances skin health. Sesame seeds Sprinkling toasted sesame seeds on salads, soups, dips, and stir-fries is an excellent way to add them to meals while trying to reduce dark circles. These seeds are a great source of antioxidants that help combat fatigue, which can contribute to under-eye circles. Moreover, sesame seeds are rich in vitamin E, which helps the skin retain its natural hydration.

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