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4- Health Benefits of Water in the Body

Have you ever wondered why water is regarded as the most important component in the body? Well, this article will give you all the knowledge you need about the health benefits of water in your life.

A human body weight is made up of 80% fluid most of it being water. Health is defined as the quality of life in terms of your body’s well-being. If you are a retiree, Medicare Supplement Plans 2019 can help you maintain your health. If 80% of your body is fluid them it means water is essential for your health. All the major body systems depend on water to function.

Functions of Water in the Body

Water keeps your body hydrated for a smooth functioning of your organs. Here are important functions of water in your body that you should know.

Water helps to keep your body hydrated

The major systems in the body require water for a smooth functioning. Water helps in moistening body tissues. For example, your joints need to be lubricated, you breath need to be moist, your eyes need to be moist and almost all body organs need to water to be moist all the time.

Water helps to regulate temperature

Your body regulates temperature by sweating. When it’s extremely hot, your body will release water from spores on your skin and help cool the body. When it is extremely cold, your body will try to speed metabolism process to release heat in the body. This process will make you visit bathrooms to relieve yourself more often than normal.

Water helps in the digestion system

The whole digestion process needs water. Water will help transport food throughout the digestion process. Digestion starts in the mouth where the food is mixed with saliva which has important enzymes to start digestion process. Saliva is made up of water.

Water will help to transport minerals and nutrients after digestion to various body parts which enable body parts to function. Water will also prevent constipation during excretion.

Improve your blood quality

Water is the main component of the blood. Blood is life, you are deemed to die is you lack blood in your body. Taking a lot of water will improve the quality of your blood and keep you healthy. Blood helps to transport minerals all over the body. It also helps in ensuring oxygen reaches all parts of the body.

If you have very thick blood, it will be difficult for the blood to perform these important body functions smoothly. Consequently, you will develop complications and other diseases from this. One of the symptoms of a thick blood is a headache. If you normally experience frequent headaches you should start taking a lot of water frequently.

You need to take adequate water to replace the water lost during normal body functions. Water is lost in various ways which include breathing, sweating, passing of the urine, bowel movement, salivating and bleeding.

How Do I Shop for Medicare Insurance?

In this article, we will try to clarify some of the information and point you in the right direction. By the time you are done reading this article, we hope we will have shed some light on what tends to be an overwhelming task for those faced with it.

A good place to start is to have a basic understanding of what is meant by “Medicare insurance”. The fact is Medicare is a government-run health insurance program, which most folks qualify for through years of contributing to the Medicare fund. It is the same principle as social security. You pay into a pool over the years and collect when you are of age.

Medicare Part A and B cover approximately 80% of a person’s medical costs leaving an un-capped exposure of 20%. This exposure is the reason

In this article, we will try to clarify some of the information and point you in the right direction. By the time you are done reading this article, we hope we will have shed some light on what tends to be an overwhelming task for those faced with it.

A good place to start is to have a basic understanding of what is meant by “Medicare insurance”. The fact is Medicare is a government-run health insurance program, which most folks qualify for through years of contributing to the Medicare fund. It is the same principle as social security. You pay into a pool over the years and collect when you are of age.

Medicare Part A and B cover approximately 80% of a person’s medical costs leaving an un-capped exposure of 20%. This exposure is the reason aarp medicare supplement plans 2019 are necessary. 20% of a $100 medical bill is not such a big deal, but 20% of $100,000 is a whole different story. There are two different ways people can go to get their Medicare coverage. The first is through a Medicare Advantage plan, which is another term for Medicare Part C. Choose a Medicare Advantage plan and that particular plan now becomes your primary insurance coverage through whichever plan you choose. The second way is to keep original Medicare and add a Medicare supplement plan to cover the “gaps”. There is a big difference in these two types of coverage and often becomes the source of confusion for Medicare beneficiaries.

The fact is that no matter which direction you opt for, the coverage will be provided through an insurance company. You can do this by going directly to the company or by consulting with an independent agent. If you go directly to an insurance company, your options will be limited to whatever types of plans that particular company happens to offer. You will also not know if you are getting the best coverage for the money as most company representatives will encourage you to purchase coverage through their company. If you were looking at Buick sedans, the salesman is not going to send you across the street to the Ford dealer even if he personally feels that Ford offers a better car at a better price.

When working with an independent agent, you are working with a professional who can offer many options through many companies. Based on your needs, that agent can help direct you toward the coverage that will work best for you. are necessary. 20% of a $100 medical bill is not such a big deal, but 20% of $100,000 is a whole different story. There are two different ways people can go to get their Medicare coverage. The first is through a Medicare Advantage plan, which is another term for Medicare Part C. Choose a Medicare Advantage plan and that particular plan now becomes your primary insurance coverage through whichever plan you choose. The second way is to keep original Medicare and add a Medicare supplement plan to cover the “gaps”. There is a big difference in these two types of coverage and often becomes the source of confusion for Medicare beneficiaries.

The fact is that no matter which direction you opt for, the coverage will be provided through an insurance company. You can do this by going directly to the company or by consulting with an independent agent. If you go directly to an insurance company, your options will be limited to whatever types of plans that particular company happens to offer. You will also not know if you are getting the best coverage for the money as most company representatives will encourage you to purchase coverage through their company. If you were looking at Buick sedans, the salesman is not going to send you across the street to the Ford dealer even if he personally feels that Ford offers a better car at a better price.

When working with an independent agent, you are working with a professional who can offer many options through many companies. Based on your needs, that agent can help direct you toward the coverage that will work best for you.

Do Medicare Advantage Plans Improve Quality Of Care?

According to the Medicare Modernization Act 2003, the Medicare Advantage program that we know today was formed. These types of plans allow seniors and those eligible for Medicare due to disability to get health coverage from private health insurance companies. Private insurance companies offering Medicare Advantage (MA) plans are expected to offer the same benefits offered by Medicare Parts A and B. Part A covers hospital insurance while Part B covers medical insurance. Aside from coverage on both in-patient and out-patient services, Advantage plans typically cover some prescription drugs as well. That is why these plans are sometimes referred as Medicare Part C. They combine Medicare Part A, B and often Part D coverage.

Since MA plans have been available, they have become a popular alternative to Original Medicare. In the year 2010, approximately 25 percent of all Medicare beneficiaries were enrolled in Medicare Advantage plans. From an initial enrollment of 5.3 million, the enrollees have more than doubled and the numbers are still increasing every year.

Medicare Advantage plans have paved the way for beneficiaries to expand on traditional Medicare benefits. Ever since the beginning of the program, the success that Medicare Advantage plans have had among seniors has been a subject of debate. Recently, data was released regarding the quality of care that MA enrollees receive.

Get free quotes online today https://www.medisupps.com/aetna-medicare-supplement-plans-2018.

Medicare Advantage Plans Offer Higher Quality Of Care

According to a study by Niall Brennan (Acting Director of the Office of Policy at the Centers for Medicare and Medicaid Services), and Mark Shepard (Ph.D. candidate in economics at Harvard University), MA plans offer higher quality of care compared to Medicare fee-for-service plans for hospital utilization and delivery of care using widely-accepted measurements of quality.

Some years back, when the first data on Medicare Advantage plans became available, Brennan and Shepard used 11 measurements to look at the underuse of effective care. Out of the 11 measurements, MA plans noticeably performed better than fee-for-service plans in 9 fee-for-service plans. Fee-for-service plans only outperformed Medicare Advantage plans on a couple of measurements, which were not that significant to overall care.

A similar study was conducted by an America’s Health Insurance Plans (AHIP) utilizing HEDIS (Healthcare Effectiveness Data and Information Set) measurements. The study shows quality improvements in health care for MA policyholders with diabetes and heart disease. The findings reveal that compared to fee-for-service plans, diabetic MA policyholders have fewer hospital readmissions and shorter hospital stays. As for heart disease patients, the trend was the same.

 

 

 

How to Choose the Right Medigap Policy For a Carefree Retirement Life

There has been a rise in the healthcare costs. Hence one should be prudent enough to choose the right Medigap policy which would cater to each individual needs. A thorough research of various Medigap policies is mandatory to gain optimum benefits. There are about 12 standard Medigap policies, Plan A through L out of which Plan A provides the least coverage and the Plans H through L offers maximum coverage.

Individuals with serious ailments should take additional care in choosing the Medigap policy that suits them the best because the right to opt for the Medigap coverage closes when the open enrollment draws near. When a wrong plan is selected initially, it might put you in a fix and the procedure chooses another suitable Medigap plan is quite complicated. A self-evaluation is a prerequisite to choosing the right United Healthcare medicare supplement which includes your needs, the kind of medical expenses you expect to incur, the affordable annual spending on health care and the like.

When you choose to continue your Medigap plan permanently, then the insurer will not be able to cancel the policy providing you pay the premiums on time. Further Medigap does not offer any reimbursement for those health care services that Medicare does not certify under a covered expense. However, you can gain added benefits of cost reduction in the initial premium if you enroll for a Medigap plan within 30 days of opting for a Medicare plan.

Instead of choosing the Medigap policy yourself, it is always better to seek the professional assistance. One should make an honest choice while enrolling for the Medigap policy taking into account their financial and health condition. When you seek the guidance of some Medigap coverage professional, they can direct you to a range of plans and premium charges offered by various insurance companies. In short, choose the right Medigap policy to lead a comfortable and secure retirement lifestyle.

The Medigap coverage policy takes care of the following health care costs: Coinsurance costs for Medicare-covered doctor bills, hospitalizations covered by Medicare, costs of skilled nursing care, first 3 pints of blood, costs of additional 365 hospital days after the Medicare covers the initial 60 days, custodial care costs, preventative care and emergency overseas healthcare treatment are some of the medical expenses taken care of by Medigap policies.

The right time to enroll for a Medigap policy is the month after you turn 65 years. This is because insurance companies cannot deny selling the policy due to some previous health disorder and the premium remains the same. Hence, choose the right Medigap policy at the accurate time to go easy on the pocket during your retirement life.

 

 

Keep an open eye as Medicare Advantage plans expects changes in 2018

 

Finding a health insurance implies there are lots to think about and this includes considering the details of Medicare Advantage plans. The plan of insurance changes with each plan and the biggest hurdle is when in the rural areas there are fewer choices owing to the dearth of insurers. This leads to more confusion in the Medicare period of open enrollment that starts during October 15.

 

The Medicare Advantage plans are issued by the private insurers and they offer traditional Medicare coverage. They also include the benefits such as vision, dental and Part D Medicare drug prescription coverage. The co-pays, deductibles and premiums vary with each plan significantly and so comparing each year the coverage and costs is critical even if enrolled.

 

Medicare Advantage is not the same as the Medigap that is tailored mainly to help fill the gaps of the Original Medicare.

 

The Medicare Advantage plans, recently has seen the members struggling to get the right care they need. This is particularly high with people having chronic or acute illnesses. Nearly, one-third people who are eligible are enrolled with Medicare Advantage plans.

 

If you are enrolled with Medicare Advantage plans or are considering taking insurance with Medicare Advantage in the sign up period upcoming, or if you wish taking care of a loved one offering MA coverage, you must watch out ahead this year.

 

Already enrolled with Medicare Advantage plans 2018 means your insurer will inform about the 2018 details. There is a need to go through the changes because there may be a plan working right for this year, but that does not mean it will work perfect even for the next year.

 

Going through the plans is essential as the insurers change their premiums and also the formularies of prescription drugs.  You may look at your plan changes closely and compare it with other plans that are in your area as available plans. The Medicare existing enrollees and also the shoppers for the first-time may compare the plans offered by traditional Medicare and Medicare Advantage Plans on Medicare.gov.

 

Medicare Advantage insurers, same as other health insurance plans negotiate with doctors, hospitals and other providers of health care every year to avail the lowest cost provider. Thus the HMO and the PPO are subjected to change each year. The provider networks keep changing that it is a must to check the network on your plan or you may consider including the provider you require to ensure you stay healthy.

Getting the Best Value

Medicare health insurance is intended to give reasonable healthcare to individuals of sixty-five years old or older and for debilitated individuals. This kind of insurance is regulated by the United States government and comes in four sections. Medicare is accessible all through the United States and keeping in mind that it isn’t acknowledged by each specialist and center, it is a standout amongst the most generally acknowledged types of insurance accessible. It has ended up being financially life-putting something aside for more established grown-ups on fixed incomes and for individuals that can’t manage the cost of different types of insurance because of an incapacity.

 

Medicare Part A is intended to cover hospital benefits that occur in and in the patient setting. It likewise gives coverage to home and hospice mind. Section A coverage is taking care of business amid the initial 60 days of hospitalization, after that the coverage will start to drop off significantly. If a person’s hospital stay keeps going longer than 150 days, they will be in charge of the whole of their bill. Part B coverage is intended for hospital expenses and therapeutic gear and supplies. Some precaution mind administrations are additionally secured by Part B, yet this coverage will just pay 80% of expenses. The remaining 20% is the responsibility of the patient.

 

Medicare Part D covers drug prescriptions, however just if the part is already enlisted in Part An and Part B. As should be obvious, there are some genuine gaps in the coverage gave by Medicare. Along these lines, numerous individuals have bought supplemental health insurance with a specific end goal to reduce the financial strain put upon them by the gaps in Medicare coverage. Acquiring Medicare health insurance in Texas isn’t difficult because of the assortment of providers offering thorough health insurance strategies. The way to buying health insurance lies in getting various statements from different providers previously buying a plan.

 

There are various different providers that can help anybody keen on Medicare health insurance, otherwise called Texas Medicare Supplement Plans 2018. The plans are institutionalized over the United States yet costs differ contingent upon the state and individual lives and in addition what supplier they pick. One of the least demanding approaches to contrast costs is with get an online statement. This spares the problem of dealing with an insurance operator in a one-on-one setting. It likewise gives an individual all the data they require regarding what is and isn’t secured too is the thing that facilities aside from Medicare coverage and which don’t.

Learn to choose appropriate Medicare Supplement Plans and benefit

Original Medicare has some gaps in your insurance coverage. These gaps may keep you hooked looking out for out of wallet costs many times. The out of wallet costs are the medical care expenses that are not paid by the insurance.

 

Fortunately, there is help available through Medicare Supplement plans that are filling the Original Medicare coverage gaps. However, you have options and so choose the right Medicare Supplement Plans to suit your needs.

 

The options

Medicare Supplement plans are known as Medigap and this is available from the private insurance companies. They help in handling the costs that are left over by the Original Medicare. It means a lot as you can use Medigap plan when you already have Part A and B Original Medicare. In fact, one in four use Medigap insurance plan to assist in healthcare costs.

 

There are 11 Medicare Supplement plans ranging from  A, B, C, D, F, F+, G, K, L, M, and N. Of course, as expected each Medicare Supplement plan has different benefits, but the benefits are standardized for a letter and it gives the same coverage, despite the fact that you buy from any location or carrier. There are different Medicare Supplement Plans offering different coverage levels and this means the plan F is much different from Plan N. the policies of Medicare Supplement plans are renewable and they cannot be canceled until the premiums are paid duly.

Go to http://www.medicaresupplementplans2018.com to find out your options.

Each plans basic benefits:

  • Hospice care coinsurance and copayments is done through Medicare Plan A
  • Coinsurance and copayments are through Medicare Plan B
  • Coinsurance charges up to 365 days is done through Original Medicare Plan A
  • Blood first three pints is covered as a medical procedure

 

Medicare supplements mostly do not offer cover to:

  • Dental
  • Vision
  • Hearing aids
  • Long term care
  • Private-duty nursing
  • Prescriptions

 

Are you a Regular traveler?

If you are a regular or frequent traveler, you may select Medicare Supplement plans providing emergency coverage in foreign travel. The Plans C, D, G, F, M and N qualify for emergency care up to 80% in foreign countries. This coverage initiates as you meet an annual deductible of $250. If so, you are covered for 60 days first with the Medicare qualifying care and also you can have a $50,000 lifetime limit.

 

Choosing appropriate Medicare Supplement Plans is beneficial, so consider your need and act.

WHICH IS THE BEST PLAN FOR YOU?

THE AVAILABLE PLANS

 

Medicare Supplement Plans can cover some of the expenses not covered under your Original Medicare Part A and Part B. There are different plans which are sold by the private insurance companies. The plans are A, B, C, D, F, G, K, L, M & N.

 

Plan A offers the basic benefits and the benefits keep increasing as you go up each letter. However, all the insurance companies offer the same kind of benefits for their policies of the same letter. That means Plan A of one company will offer the same benefits as Plan A of another company.

 

This rule is not applicable in three states – Massachusetts, Minnesota, and Wisconsin. These states have different rules for Medicare Supplement Plans.

 

WHAT DO THE PLANS OFFER?

 

All the ten plans offer 100% hospital costs for additional 365 days over and above what the Original Medicare gives.

 

Part B coinsurance is covered by all these ten plans at least to a certain limit. The first three pints of blood for medical procedures, which is not covered by the Original Medicare, is covered by the ten plans. Apart from this these ten plans also offer the coinsurance for hospice care under Part A.

 

The above three are covered fully in all plans except Plan K and Plan L. Plan K covers 50% of the charges while Plan L covers 75% of the charges.

Learn what plans cover here Medicaresupplementplans2019.com.

Five other benefits are covered differently by the different plans. The skilled nursing care coinsurance is covered differently by these plans. Part A deductible, Part B deductible, and Part B excess charges are also covered in different ways. Another benefit that finds coverage to be different is the foreign travel emergency.

 

There are certain things that are not covered by the Medicare Supplement Plans. Routine dental or vision care is not covered. Long stay in a nursing home is also denied benefits. Private duty nursing is also not covered. Hearing aids and eyeglasses also don’t find a place among the covered items.

 

You will have to find a different insurance to cover the above items or pay from your pocket.

 

Prescription drugs are also not covered by the Medicare Supplement Plans. To get this coverage you will have to enroll in the Medicare Part D plan.

 

Though Medicare Supplement Plans do not cover everything, they offer a good list of items that we will normally need. It covers a lot of expense that Original Medicare doesn’t cover.