Here’s what one should know about Medigap plans

Here’s what one should know about Medigap plans

Medigap is additional insurance one can buy to cover costs that are not covered under Medicare. Also known as the Medicare Supplement Plan, Medigap helps one reduce out-of-pocket expenses, i.e., co-payments and deductibles. One can access these insurance services through private companies. However, one must already have a Medicare Part A and Part B plan to buy Medigap. To understand Medigap plans better, here are a few things to know:

What is a Medigap plan?
Original Medicare (Parts A and B) does not cover all medical expenses. So, private companies can offer Medigap plans to help cover these costs. Nevertheless, Medigap plans generally do not offer long-term, vision, or dental coverage. They also do not cover the cost of hearing aids, eyeglasses, or private nursing. Medigap Plans are aimed at covering costs such as co-payments, deductibles, and coinsurance. Some specific costs that may be included in these plans are:

  • About 20% of out-of-pocket expenses that are not covered by Medicare Part B
  • Coinsurance for Part A
  • Hospital coverage up to 365 days after Medicare benefits are used up
  • Part A hospice or respite care copayment

Some plans may also cover emergency medical care while traveling abroad.

How much do Medigap plans cost?
As Medigap plans are offered by private companies, the prices can vary, ranging from $44–$392 per month. However, in an attempt to standardize the process, the federal government requires private companies to offer similar policies. So, there are 10 standard policies to choose from, lettered A–D, F, G, and K–N, offering different levels of coverage. Standard plans differ in three states, so one should review the benefits offered in their state before signing up for a plan.

Who can get a Medigap plan?
Medigap plans are available to all seniors over the age of 65 who are currently enrolled in Medicare Part A and Part B. It is important to note that these policies cover only one person. So, a monthly premium needs to be paid for every individual enrolled in these policies. One needs to sign up for the Medigap policy within the enrollment window, that is, within six months from the first day of the month of their 65th birthday or within six months of signing up for Medicare Part B.

When buying Medigap policies, one must always shop around to find the best one, as insurance companies often set their own prices and eligibility requirements.

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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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6 early signs of weak bones

Weak bones, which can indicate conditions such as osteoporosis, can be a concerning issue. If a person's bones weaken, they become more prone to fractures, significantly disrupting their life and daily activities. Hence, it is essential to recognize the early signs of the weakening of bones so one can take the necessary steps to prevent more serious consequences. Here are 6 early signs of weak bones that one must look out for. Brittle fingernails If a person notices that their nails have become fragile and are breaking easily, it could be an indication that their bones are becoming weak. Besides weakening, if a person notices vertical ridges on their fingernails, it could also be a sign of calcium deficiency, which can further affect their bone health. However, it is important to take note of the fact that brittleness in fingernails can also be caused by various other factors. It is better to consult a healthcare provider about their concerns if one is in doubt. Reduced grip strength Weakening of bones can also affect a person's grip strength. They may notice that tasks like twisting door knobs, holding onto objects, opening jars, etc., are becoming tougher. This could be a sign of decreasing bone density. Tooth loss and receding gums If a person's jaw bones are becoming weak and losing bone density, they may notice their gums receding. Weakening of jaw bones can also cause tooth loss. If one notices these signs, they must not neglect it and visit a dentist immediately. The dentist may conduct a thorough examination, including taking an X-ray to investigate the cause. Fractures from minor injuries One of the most evident signs of weak bones is sustaining fractures from minor injuries. For instance, even minor accidents, like a fall from a standing height, can lead to broken bones. If one notices this sign, they must consult a healthcare professional at the earliest. Delaying a consultation may increase the risk of sustaining more fractures. Back pain and change of posture If an individual's spine weakens, they may experience chronic back pain. This pain can sometimes also extend to the neck. Along with that, weakening of the spine can also result in a change in the individual's posture. One may notice a slight curve in their upper back or even a decrease in their height. This can also be a serious sign of osteoporosis, which can lead to spine compression, further resulting in spinal fractures. Shortness of breath Even though it may not seem so, shortness of breath can also be a sign of the weakening of the bones. This symptom is closely connected to the previous sign, implying that if one's spine is compressed due to osteoporosis, it can restrict the expansion of the lungs, leading to breathing problems. The chances of osteoporosis and weakening of bones can increase with age. As soon as a person notices any of these signs in themselves or a loved one, they must consult a healthcare professional immediately before any severe issues arise.

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Top 10 cat food deals to check out ahead of Black Friday 2022

Top 10 cat food deals to check out ahead of Black Friday 2022

Black Friday will be here soon, presenting pet parents an opportunity to stock up on food for their feline friends without spending a lot. There will be plenty of discounts from the top pet food brands, including Royal Canin and Purina. But if you cannot wait until then, check out these ten fantastic deals that are available right now. Take your time researching well and pick the healthiest options for your cat! Merrick Purrfect Bistro Grain-free Healthy Weight Recipe Dry Cat food This grain-free recipe ensures your pet gets the proper nourishment and maintains a healthy weight. Besides promoting weight control, it supports the muscles and improves digestive health. The product is already available at a discount of 7% on Chewy, but you can expect a better deal during the year-end sale. Wellness Healthy Indulgence Gravies Grain-free Variety Pack This variety pack makes mealtimes quick and easy. Created by nutritionists and veterinarians, the recipes are enriched with the finest ingredients to promote your cat’s well-being. Petco is offering a discount of 5%, but you can get it at an even lower price by opting for repeat delivery. Tiki Cat Queen Emma Luau Variety-pack Grain-free Canned Cat Food You can save 10% on this variety pack from Tiki Cat at Chewy.
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20 Black Friday 2022 unmissable furniture deals

20 Black Friday 2022 unmissable furniture deals

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Fitness trackers – 10 best Black Friday deals

Fitness trackers – 10 best Black Friday deals

A fitness tracker will be on many Black Friday shopping lists this year. While it is on November 25, multiple deals are expected to pop up from early September to late October. Whatever your fitness mantra, high-tech fitness trackers can help you achieve your goals. And getting them at a discounted price is the cherry on the cake! Let’s check out some amazing Black Friday fitness tracker deals for the year 2022. Fitbit Versa 3 Continuous heart-rate monitoring, SpO2, support for NFC payments, a microphone for taking phone calls, and Google/Alexa assistance are some of the many incredible features offered by this tracker. Plus, unlike its previous variants, Versa 3 provides a built-in GPS for navigation. During the sale season, you might also find it priced under $200. Fitbit Charge 5 Fitbit Charge 5 delivers many upgrades to cater to your needs. Many online platforms offer it for under $150 for a limited period. Its features, like the bright OLED screen, electrodermal activity sensors, contactless payments, notifications, sleep tracking, heart monitoring, and timers, make it one of the most highly dependable fitness trackers. Garmin FENIX 7 Series A week’s worth of battery, topographical maps, touch screen, military-grade standard, up to 10 ATM water resistance, insightful training guides and programs, solar charging, and astonishing real-time stamina feature are the traits that make the 7 series an absolute hit.
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Foods to avoid for managing Crohn’s disease

Foods to avoid for managing Crohn’s disease

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10 Black Friday 2022 dog foods deals to check out

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Foods to avoid for managing bronchitis

Foods to avoid for managing bronchitis

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