Senior Travelers Tips That may seem Less Important, but is Very Important

Senior Travelers Tips That may seem Less Important, but is Very Important

 Travel Itinerary is very important, regardless of the fact it is for how many days. This is very much a necessity for senior travelers. Mainly because senior travelers travel for pleasure and the last thing expected is the seniors should not bog down with stress thinking what is the next to do during the trip.


Here are a few tips for senior travelers, may be helpful


Itinerary plan

Check the destination you plan to travel. Get to know if there is lot of physical exercise, walking, and downtime?  Try to get the best of the information to suit your health and convenience.


Packing for several weeks long trip implies you can take a four-wheeler suitcase and a bag-pack or daypack. Remove the last trip tags and mark your bags such that your luggage may be visible easily. Add colorful ties, stripes and tags showing your name. Do not miss out to put your phone number and email address to be reached. On the tag inside write your name, phone number, address, and email. Also put your itinerary copy inside the luggage with an emergency number and name. Use TSA-approved locks that does not open a suitcase without breaking the lock.


Carry very comfortable shoes if there is considerable walking to be done. Take two pairs or walking shoes so that it is work for touring, shopping, dining, or otherwise.  You can wear one in the morning and while going for dinner in the evening switch to the next pair. This will give your feet time to recover from any misfit pair. Take a collapsible monopod to use as a walking stick or camera tripod, if essential.

 Make Checklist

Write down things to pack. It will certainly help in coordinating outfits. Put any item that comes first to mind or note it down. Keeping in mind the traveling destination you may consider the items to take. The important part is in choosing where to start with.

  • First is to carry extra medication. If it is a week stay, there is a need for extra medication. This is because a plan delay, break down of bus or train beyond schedule, reason may be anything. Having extra medication is essential.
  • Carry extra pair of glasses. Do not miss out on carrying extra pair of prescription. Wear clothes in layers and bring extra light sweater.
  • Carry water bottle to stay hydrated.
  • Get info on 2020 Medicare advantage comparison via

Enjoy traveling!

Common changes while aging

Are you getting closer to your sixties? Have found yourself reaching to your glasses more often or feeling like your food is not as tasty as before? While we age and become older, our bodies also age with us and that is the reason why we will experience certain changes during this process. Maybe we do not notice them right away, but they will be more evident as years pass. These changes are normal and today we will tell you a little bit more about them. Follow this link for help choosing Medicare Supplement insurance.

 Changes in your vision

A very common change while aging and one of the first signs of it, is the one that happens in our eyes. Actually, lots of things change in our vision. When people are on their forties, focusing on close objects becomes more and more difficult. This is known as presbyopia and happens to almost everybody. This happens because the lens of the eye stiffens making it harder for the lens to change its shape and focus.

Another thing that changes is color perception. This occurs because the lens of the eye tend to yellow, causing colors to look less bright and contrast between some colors, like black and blue, becomes less obvious. You could also need brighter light to read, as the lens become denser and less light goes through the retina. It is estimated that 60-year-olds need 3 times more light to read than 20-year-olds.

     Changes in your hair and skin

     Changes that occur in our hair and skin are the ones that are more obvious for other people. As we age, our skin becomes thinner, less elastic, drier, and more lined and wrinkled. The layer of fat under our skin thins, causing our cold tolerance to decrease and making wrinkles more like to appear. Something that happens to both the hair and the skin is that they lose pigment. This is more evident on the hair, as it starts growing gray. Our hair also becomes thinner on the scalp, pubic area and armpits.

Changes in your hearing

     Another common change while aging is the one that occurs in our ears, especially after the age of 55. With time, hearing high-pitched sounds is more difficult and changes in tone and speech become less clear. This is why some elderly people have trouble understanding what other people say, but it is not because they cannot actually hear them. It is because most consonants are high-pitched, and as these sounds are harder to hear, it is harder to identify and distinguish words. So if you are having trouble while communicating, you should not shout when talking to elder people, just try to articulate consonants clearly.

Changes in your bones and joints

As we get older our bones become less dense and less strong. This occurs because bones contain less calcium, as the body absorbs less calcium from foods, and because levels of Vitamin D decrease, and this vitamin helps the body use calcium. This process is called osteoporosis and after menopause, it speeds up in women, as less estrogen is produced and this prevents bones from being broken.

With time, our joints also become more susceptible to injury. After years and years of movement, the cartilage that lines our joints thins, making more difficult for the surfaces of a joint to slide over each other.  Our joints also feel tight because ligaments and tendons become less elastic and they are in charge of binding joints together and binding muscles to bones.

Changes in our smell and taste

If you feel like the smell of coffee in the morning is not as comfortable as before or the flavor of the cookies your daughter bakes is not as sweet as it used to be, your ability to smell and taste may start fading. This is a common change while aging, as sensitivity in the taste buds of our tongue decreases and the lining of the nose becomes thinner and drier and the nerve endings in the nose start deteriorating. Our taste is also affected because we produce less saliva and our mouth becomes drier.

Why fast food isn’t good for you

I bet everyone has eaten a kebab or any other fast food at least once in their lives. I understand you, seriously, eat some fast food once in a month will do no harm, but not daily. This kind of food is very unhealthy for your organism. There are many factors that make this unhealthy but we’ll just present a few of them.

Firstly, junk food causes obesity as it is some extra energy that will stay on your hips. In our times, we see 1 out of 10 people obese and it’s mostly because of fast food. With its addictive chemicals, junk food will make you want to eat it every day resulting into obesity.

Secondly, fast food preparation units add a lot of sweeteners to this kind of food. It gives us indeed our required taste but it’s not good at all for our body. Also, sugar-loaded drinks such as coca-cola, sprite or any other drink like them are a quick rush of sugars to your body.

I think we all know the fact that our junk food doesn’t have the best ingredients. And it’s logic, really, low prices for the food with low ingredients equals profit. When you eat you have no idea which came from where but you eat it because it tastes good.

You know how every food has some expire date? Yeah, no one cares about that there. They just throw it in a fridge and it can stay there for a month before being used. If you see the kitchen at a preparation unit you’ll see how dirty there is. They don’t care about hygiene or food safety for their clients. Sell sell sell.

There was even a movie in 2004. Filmmaker Morgan Spurlock released the movie “Super Size Me” which asks the question to the viewers “If fast food claims to be a healthy diet option, can we survive on it alone?”. Spurlock himself was the subject for this experiment. At the start of it, doctors said that he was the picture of health. By the end of the experiment his overall physical had deteriorated close to being fatal. By the third week of the project, all three doctors begged him to stop in order to avoid irreparable damage.

Did you know that people which eat fast-food have an increased risk of dying from a heart disease by 80 percent. Pretty scary! Junk food create a higher risk of heart disease as it has high levels of saturated trans fats found in most of the food.

Apart from the various health problems it gives you, fast food is a waste of money. Junk food consumes too much money compared to preparing food at home. Why spend your budget on something that harms your body?

A terrifying study showed that fast food burgers aren’t really burgers. They have 50% water and only 2.1 to 14.8 percent meat which is a pretty low number compared to how it should actually be. If you’re asking yourself what makes up the rest of it, chemical fillers and preservatives, mostly.

In conclusion, I can guarantee that an occasional bite with your friends won’t be that harmful. However, don’t make it a habit. This fast food thing was made as an alternative when our regular healthy food wasn’t available. Adding junk food to our regular “diet” will just cause irreversible damage to our body and brain. So, try to avoid this kind of food at any moment in order to stay healthy and save your body.

Medicare Supplement Plans, the Medigap Must know details

An insurance known as Medigap policy is the Medicare Supplement plans insurance. This is sold by private companies and it helps people in paying the costs of health care that is not covered by the Original Medicare such as deductibles, coinsurance and copayments.

Some Medicare Supplement plans in 2018 cover the services that the Original Medicare does not, such as medical care if you go traveling outside the U.S. Having Original Medicare and buying a Medigap policy indicates Medicare will pay for the Medicare-approved amount that covers the costs of health care. It is then that your Medigap policy pays.

A Medigap insurance policy is not the same as Medicare Advantage Plan.  Here are few things one must know regarding Medigap insurance policies.

  • It is a must to have Part A and B Medicare to have Medigap.
  • Having a Medicare Advantage Plan means you can get a Medigap policy, but ascertain before the starting of your Medigap policy you leave the Medicare Advantage Plan.
  • You pay monthly premium to the private insurance company for the Medigap policy besides the Part B premium to Medicare.
  • Medical Supplements Plan, the Medigap policy covers one person only and so a husband and a wife also must buy separate policies.
  • Medigap policy can be purchase from any insurance company in the state, ensure it is licensed.
  • The Medigap policy that is standardized is certainly renewable and until you pay the premium it is active.
  • Some policies of Medigap covered prescription drugs in the past, but the policies sold after 2006 are not permitted drug coverage. In case you want coverage for prescription drug, join Part D Medicare Prescription Plan for drugs.

 Few valid points to know

  • Medicare Supplement Plans policies do not cover all.
  • The Medigap policies also do not cover dental or vision care, long term care, eyeglasses, hearing aids or private-duty nursing.

Insurance plans – not Medigap

  • Medicaid
  • Medicare Prescription drug plans
  • Medicare Advantage Plans such as PPO, HMO or Private fee- service plan
  • Tricare
  • Union or employer plans including the health benefits program of the Federal employees
  • Long term care
  • Veterans benefits

Dropping Medigap policy, know about it

If you wish to drop the Medigap policy entirely, timing is important. This is because you may expect a new Medigap policy that has drug coverage as well or wish to switch to Medicare Advantage Plan offering prescription drug cover. You will have to go in a row for 63 days or more before a new Medicare drug coverage starts.

The way Medicare Supplement Plans Work

Medicare health insurance Supplement plans hopefully will fill out the gaps in original Medicare health insurance. Original Medicare contains Medicare A Portion and B Portion. These types of plans are actually consistent across companies – all companies are necessary to provide the same standardized features. This force it be quite simple to comprehend the plans and the way they serve you. Listed below are the very best things that must be recognize when dealing with Medicare Supplement plans:

Medicare Supplement plans AKA Medigap are standardized. These plans all allow for equivalent coverage for like plans. that means a Plan A with one firm is the identical as a Plan A with any other firm. Due to this, it is essential to evaluate the plans on the basis of regular monthly premium and vendor rating or reputation. Selling price being equal, it really is much better be with a company that has a very good reputation for involvement in the elderly insurance industry and/or a high financial strength ranking.

Medigap plans can easily employed at any doctor or medical center, nationwide, no matter which company sells you the coverage. Various kinds of insurance are networked; nevertheless, that is not be applied to Medicare Supplement plans. Even some different kinds of Medicare Advantage plans – Medicare plans – are networked in many instances. On the other hand, Medigap plans provide you with the flexibility of making use of the plan any place in the US that provides Medicare. This kind of flexibility, especially for someone that travels, is among the many reasons these kinds of plans have grown to be increasingly popular as a way to supplement Medicare insurance coverage.

Medigap plans all pay out claims using the Medicare crossover procedure. There is absolutely no variance in how fast or how efficiently one provider pays claims compared to another. Get online quotes by clicking here

Although some companies might use the selling point of their timeliness for paying claims, this is not completely appropriate when it comes to this type of coverage. as these plans are standardized and pay out claims by special “crossover” arrangement, you can be certain that, no matter the company, the claims are going to be paid out promptly and with minimum generally no involvement from the insured.

After you got a plan,All you need is to present your plan identification card when getting services from a doctor or health-care facility in any place in US. Altogether, Medicare Supplement plans remain a viable option for all those folk on Medicare, And would like to limit their exposure to money expenditures. With only Medicare, you are exposed to paying around twenty percent of all medical bills. With a Medigap plan, on the other hand, you are able to greatly reduce or, in case of some plans, totally get rid of your expenditure.

Introduction to New Medicare Cards and How They Can Help Prevent Identity Theft Among Seniors

If you’re a Medicare beneficiary, then you should have received the new Medicare health card via mail recently. The latest Medicare cards feature a crucial change which is intended to help beneficiaries protect themselves from Medicare identity theft.


Identity Theft: What Is It?

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Identity theft is considered a huge problem particularly in the U.S. As per the survey conducted by The Harris Poll, close to 60 million people in the country have experienced it till now and around 15 million customers fell for it in the previous year alone.


Data breach is considered a primary source for this problem. Valuable info like the victim’s full names, addresses, & at times, even their credit card & social security numbers might be leaked.


But, according to FTC (the Federal Trade Commission), fraud related to tax or employment makes-up for almost 34 percent of cases in identity theft. Here, the criminal uses the victim’s SSN in order to file a tax return or for employment purpose.


Reasons Behind the Introduction of New Medicare Health Cards


Criminals require your SSN so that they can file a tax return. Using the old Medicare cards, it was easily possible for them to get the victim’s SSN for the purpose of identity theft.


So, every time someone lost their Medicare card, there was a high possibility that the person’s SSN could fall into a criminal’s hand.


According to the new act under Medicare, it has become essential to remove the SSN from Medicare cards so as to protect the identity of Medicare beneficiaries. Instead of including SSN, the new cards come with MBI also known as Medicare Beneficiary Identifier numbers as a replacement.


This is a unique number which is randomly created & assigned to the beneficiary. The MBI number features 11 characters that combine both letters as well as numbers.


Since every single MBI is unique and allocated to only one recipient, it’ll help identify the person via a computer software thereby preventing identity theft that has become so common especially among seniors citizens with Medicare in the United States.


Who Should Enroll In A Medicare Advantage Plan?

Should you enroll in a Medicare Advantage Plan?

You’re eligible for Medicare. Now what? You have some choices to make. Insurance with Medicare by itself is one option, but you will be subject to some potentially high unpredictable costs. Or you could buy a Medicare supplement, if affordable. Your third option is to enroll in a Medicare Advantage Plan.

Enrolling in this type of Medicare Plan is a popular choice for many people for a number of reasons. But it’s not the best choice for everyone. Who enrolls in a Medicare Advantage Plan is largely determined by individual circumstances. And don’t expect to find a plan that is necessarily considered the best for everyone. You may want to consider an Advantage Plan if you meet any of the following criteria.

You have a limited Budget

Having a limited budget comes into play in a couple ways. First, you may consider enrolling because you will receive all the benefits of original Medicare, but have the benefit of a maximum out-of-pocket amount. If you get your coverage through original Medicare you will not have a cap on your share of costs for covered services. Just the 20% outpatient costs alone could leave you with some budget-busting expenses.

Another reason your limited budget could steer you towards a plan is the high cost of Medicare supplement premiums. Supplemental premiums are usually much higher on average than premiums for Medicare Advantage Plans. Some Advantage Plans have premiums as low as $0 per month.

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Medicare Advantage Plans include all Part A and Part B benefits, but the private insurance companies offering these plans can include benefits beyond what would normally be available from original Medicare.

It’s common for plans to include Part D drug coverage and some plans may include extras, such as; dental, vision, hearing, gym memberships and transportation. Medicare supplement policies rarely include these extras and supplemental policies are not currently offered with drug coverage built-in.

Medicare Advantage plans 2019

You want an all-inclusive plan

If you want one plan that includes your medical and Part D drug benefits you will need to consider an Advantage Plan. If you enroll in a Medicare Advantage Plan with drug benefits (MAPD) you will only interact with one insurance company which could limit interaction with multiple member service departments.

You may not qualify for a Medicare Supplement

Unless you are in your Medigap Open Enrollment Period or entitled to Guaranteed Issue Rights, you will generally be subject to medical underwriting when buying a Medicare supplement. Some pre-existing conditions or recent hospital stays could mean a denial of coverage.

Some States do not require insurance companies to offer Medicare supplemental coverage to Medicare beneficiaries under 65. And in those States that do, premiums can be much higher for beneficiaries under 65.

Those are some of the reasons you may want to enroll in a Medicare Advantage Plan. And for some people, it’s the only option other than original Medicare.



Medicare Advantage Plans May Look Better Than They Really Are

Sеnіоr citizens whо are above 65 уеаrѕ of аgе аrе іn mоѕt саѕеѕ аutоmаtісаllу enrolled іn Medicare insurance. Mеdісаrе, a ѕосіаl іnѕurаnсе рrоgrаm, provides bаѕіс hеаlth соvеrаgе tо ѕеnіоr сіtіzеnѕ; hоwеvеr, Mеdісаrе lеаvеѕ a lоt оf gaps in whаt it асtuаllу covers аnd рауѕ fоr. To аddrеѕѕ аddіtіоnаl mеdісаl services ѕuсh as prescription drugѕ оr іn-hоmе medical service, Mеdісаrе Suррlеmеnt plans саn bе аddеd to hеlр соvеr the соѕtѕ thаt аrе unfulfіllеd by оrіgіnаl a Mеdісаrе рlаn. Anоthеr аvеnuе thаt seniors can tаkе, and whаt рrіvаtе іnѕurаnсе соmраnіеѕ lоvе, is bу purchasing a Mеdісаrе Advаntаgе рlаn whісh is more аnd mоrе саѕеѕ is turnіng out to bе a bаd іdеа.

Medicare Advantage Plаnѕ are health рlаn options оffеrеd by рrіvаtе соmраnіеѕ аnd are аррrоvеd bу Mеdісаrе. They рrоvіdе соvеrаgе fоr all оf Mеdісаrе Pаrt A and Pаrt B bеnеfіtѕ. Thеу ѕоund lіkе a “no-brainer” when іt comes tо ѕесurіng an overall safety nеt fоr mеdісаl аttеntіоn; hоwеvеr, thеу have multірlе downsides to thеm thаt mау nоt be brought іntо thе lіght whіlе being presented. Unlike Mеdісаrе Suррlеmеnt plans, whісh саn bе сhоѕеn tо соvеr ѕресіfіс аrеаѕ оf need thаt оrіgіnаl Mеdісаrе fails to cover, a Mеdісаrе Advаntаgе рlаn оffеrѕ the ѕаmе fеаturеѕ thаt оrіgіnаl Mеdісаrе dоеѕ wіth аddіtіоnаl fеаturеѕ as well. Thе рrоblеmѕ wіth Mеdісаrе Advantage рlаnѕ аrе thеу соvеr ѕоmе оf thе bеnеfіtѕ thаt оrіgіnаl Mеdісаrе dоеѕ but dіffеrеntlу.

An example of how a Medicare Advаntаgе рlаn might cover аn іndіvіduаl mау look like thіѕ: lower co-pay fоr dосtоrѕ’ vіѕіtѕ that mіght оffѕеt the reduced соvеrаgе fоr ѕkіllеd nurѕіng fасіlіtіеѕ. The general image thаt a Mеdісаrе Advantage рlаn рrоduсеѕ fоr its tаrgеtеd аudіеnсе іѕ that thеу are too gооd to bе truе bесаuѕе they аrе. Prіvаtе іnѕurаnсе companies mаkе a hugе рrоfіt whеn selling Advantage рlаnѕ and insurance аgеntѕ push these рlаnѕ on ѕеnіоrѕ in hореѕ оf mаkіng an extra profit аѕ wеll. Of course, not every insurance brоkеr іѕ crooked; еvеrу іnduѕtrу has іtѕ оwn bad eggs. Thеrе аrе, hоwеvеr, ѕеvеrаl reports where іnѕurаnсе agents hаvе been found leading thеіr clients іntо рurсhаѕіng Mеdісаrе Advаntаgе plans іn hореѕ of mаkіng аn extra buсk.

Thе overall lасk of bеnеfіtѕ thаt Mеdісаrе Advantage plans provide dоеѕ not mean thаt ѕеnіоr сіtіzеnѕ have zеrо орtіоnѕ fоr оut оf росkеt rеlіеf. A Mеdісаrе Supplement рlаn аllоwѕ ѕеnіоrѕ to choose thе policy thаt bеѕt fіtѕ thеіr nееdѕ, ѕuсh аѕ рrеѕсrірtіоn drug benefits оr nursing саrе аѕѕіѕtаnсе, ѕо that mоnеу can bе saved іnѕtеаd оf wаѕtеd. Another роѕіtіvе nоtе аbоut Medicare Suррlеmеnt plans is thаt thеу саn bе ѕhорреd аrоund for аnd соmраrеd wіth to find thе bеѕt price. Fоr ѕеnіоrѕ, it’s especially іmроrtаnt tо research аnd compare роlісу орtіоnѕ to ensure thаt еvеrу penny bеіng ѕреnt іѕ going towards a wіѕе dесіѕіоn.

How to Avoid Falling for Scams in Medicare?


Most scams take place while a person is on the phone, nevertheless, few of these might hit you via U.S. mail, email or at times, even via door-to-door visits.

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Scammers can go to any extent in order to try to steal a person’s identity.


Common Medicare Scams:


  1. “Verify your identity” Scam:


Typically done via a phone call, scammers will ask you to provide your info so as to be eligible for a new card. They might even go to an extent where they’ll tell you that you must pay for the service they’re offering. Obviously, you must stay alert with these type of calls.


Scams about new Medicare cards are on the rise ever since the CMS announced that so as to safeguard SSN or Social Security numbers, beneficiaries will receive new cards from April this year. Each of these cards features a number which is unique to the person. Meaning he/she do not need to use their SS numbers as a replacement to their ID on the Medicare card.


However, it is important to note that new cards will be made available to seniors automatically. Hence, they don’t have to do anything for getting a new card. One final thing is, after receiving your new Medicare card, be sure to destroy your older card.


  1. “You Are Eligible for a Refund”


This is another way typically used by most scammers. Here, they say you owe a refund because of some changes to your Medicare Plan. Next, they’ll ask you to provide your Medicare number in addition to bank info to deposit the amount directly in your bank. Never provide them your bank details as it might allow them to empty your account. In case you are eligible for any type of refund in regards to your basic Medicare or Medicare Supplement Plan, you’ll receive a mail from your carrier. Nobody has the right to call you and ask for your bank details.


  1. FREE medical supplies

Here, the scammer will pretend as if he/she wants to offer you free healthcare checkup or supplies because it’s covered under your Medicare policy. Then, they’ll ask for your SSN in order to “verify” your Medicare, along with your credit card or bank account number to cover the shipping charges.


Never ever share any of your personal info with a random person over a phone.


It’s important for you to know that scams that happen over a phone aren’t always the easiest to recognize. Scammers tend to use technology for gathering personal info of their victim to make them appear more reliable and authentic. In case you feel that the person who’s calling you is asking you info that is too personal or secretive, it is best to hang up the phone right away, and block the caller immediately whenever possible.

Tips On Medicare Supplemental Plans

Medicare Supplemental Plan or policy, also known as Medigap, is an insurance policy which aids individuals to carry out a few of their payments related to healthcare which the primary Medicare does not take care of. This entails Copayments, Deductibles and Coinsurance. This article provides an elaborative description on the various aspects of Medigap plans and schemes and also states detailed information regarding the same. The simple thing you can to beat any challenge is to make your  research first on every plan before you can buy. The United States of America has many insurance companies that you can use. However, these companies have varying price and packages available. You are not going to be cheated because the government has ensured that the process is standardized.

Policy details

Private companies sell the various policies related to Medigap. If Medigap is bought by a citizen who possesses primary Medicare, then there are a few things which take place. Firstly, the portion of the amount that is approved by Medicare will be paid by Medicare as coverage for costs that are related to health. Secondly, the share of the policy will be paid by Medigap. To learn more visit

There are differences between a policy of Medigap and an plan of Medicare advantage. While the later are schemes to obtain benefits of Medicare, the former only takes care of the benefits that are stated by the primary Medicare. Now, there are a few details that an individual needs to know before purchasing a Medigap policy. Firstly, a citizen should possess both Part A and Part B of Medicare. Secondly, if the individual possesses a scheme of Medicare advantage, he or she can submit an application for the policy of Medigap. The individual is to make sure to part ways with the scheme for Medicare advantage before the commencement of the policy of Medigap. Thirdly, payment is to be made to an insurance company of the private nature on a monthly basis premium for the policy of Medigap. This premium of the monthly order is to be paid in addition to the premium of the monthly order that is being paid to Medicare i.e. Part B. Lastly, it has to be kept in mind that only one individual can be covered by a policy of Medigap. If, for instance, an individual wants to possess Medigap coverage for both him and his wife, then two separate policies are to be bought.


Although very beneficial, it has to be kept in mind that everything is not taken care of by Medigap. Medical issues such as care of long duration, dental related issues, vision, etc. do not come under Medigap coverage. Other than a few issues such as these, Medigap is a very beneficial policy for  US citizens. If you are getting older, you should not ignore these plans. They have been formulated to ensure that you have no worries when it comes to your health issues and treatment.