nationwide health insurance

How to Determine Your Best Medicare Supplement Insurance Companies


Seniors who wish additional nationwide health insurance coverage beyond their Medicare Parts A and B have two options – Medicare Advantage (MA) Plans or Medicare Supplement plans. The latter is sometimes referred to as MediGap insurance.  While the differences are extensive, the primary difference between the MA and Supplement coverage is that supplements provide coverage while traveling, some even outside the U.S.  Medicare Advantage plans, however, cover the costs of medical care only within the senior’s residing state.  If you’re a snowbird – that is, your home state is one of the colder northern regions of the U.S., but you spend the winters in a warmer U.S. climate – your best bet is undoubtedly a Medicare Supplement Plan.

Once you’ve determined that your preference is for a Medicare Supplement rather than a Medicare Advantage plan,  you’ll want to understand the ten levels of coverage available. With the exception of Massachusetts, Wisconsin and Minnesota, each level offers the same coverage no matter in which state you reside. This means that Plan F will give you the same coverage, supplementary to your Medicare Parts A and B, whether you’re living in California or Florida, for example. The difference will be in the cost of the monthly premium.

nationwide health insurance
nationwide health insurance

In narrowing down your search, there are some standard filters you can begin with. For example, if you travel outside the United States, and wish nationwide health insurance coverage for emergency care when you do, your only Medicare Supplement options would be Plans C,D,F, G, M and N. Should Plan F appeal, you needn’t be dismayed by what is generally a higher premium than other plans. Many carriers offer a second higher-deductible Plan F option. For overseas travelers, Plan F is the most popular.

Here are the basics of Medicare Supplemental Plans 2017 levels:

  • Plan A, a required level for any Medicare Supplement carrier, pays 100 percent of hospital costs for up to 365 days after Medicare Part A benefits have been exhausted. It additionally pays your co-payment and preventive care coinsurance for Medicare Part B, and the cost of 3 pints of blood
  • Plan B provides all the benefits of Plan A but additionally covers any co-payment for Medicare Part A.
  • Plan C adds to these Plan B benefits payment of Medicare Part B deductible, the co-insurance cost of care in a skilled nursing facility, and 80 percent of the cost of any emergency medical care while traveling outside the United States.
  • Plan D is identical to Plan C except that it does not pay the deductible for Part B
  • Plan F includes everything offered by plan B and adds to it the payment of any excess coverage costs incurred in Medicare Part B. It also provides coverage for the cost of emergency medical care when traveling outside of the United States.
  • Plan G is identical to plan F except that it does not pay the Part B deductible. While this might lend a senior who travels outside the U.S. to consider Plan F the better coverage, it’s important to look closely at the comparison of premiums. With a current low Part B deductible of $183, it might well be that the difference in cost between Plans F and G are greater than this $183.
  • Plan K pays the same hospitalization benefits as Plan A and also pays 50 percent of the costs of: Any deductible for Part A; Part B’s co-payment or co-insurance; 3 pints of blood; co-insurance for care in a skilled nursing facility; and the co-insurance or co-payment for hospice care through Part A.  It also pays the entire co-insurance fee for Part B’s preventive care coverage.
  • Plan L’s format is identical to Plan K, with one exception. For each coverage provided at the rate of 50 percent in Plan K, Plan L increases that payment to 75 percent.
  • Plan M provides all benefits offered by Plan A, additionally covers the co-insurance for a skilled nursing facility, 80 percent of any cost incurred for emergency medical care while traveling overseas, and half the cost of any Medicare Part A deductible.
  • Plan N is identical to Plan M except that it pays all of the Part A deductible. This plan might well be an excellent and affordable choice for seniors who need few doctor visits. The co-pays for these few visits might well be less than the difference between the Plan N premium and another that covers more or all of any doctor visit.

Wisconsin, Massachusetts and Minnesota require that each Medicare Supplement nationwide health insurance carrier offer Plan A, as with other states. To this regulation these three states also add a requirement that any carrier offering Plans other than Plan A must include Plans C and F.

Medico and Americo offer top-notch Medicare Supplement plans, as do several other carriers.

Here, then, are the other eight of the top 10 Medicare Supplement insurance companies, with some examples of their plans in various states. For several we’ve provided monthly premium approximations as well:

  •  Aetna Coventry Medicare – A Charlotte, North Carolina resident could choose from Plans A, B, F, G and N.
  • Cigna Medicare –  Supplement plans offered through Cigna include A, F, G and N.
  •  Mutual of Omaha – Plans A and F are offered in all states, while select states also offer plans G and N.
  • Transamerica – its supplement options are Plans A, F, G and N.
  • Blue Cross / Blue Shield – A senior living in Dallas, Texas could choose from Plans A, F, G, K, L and N, with an additional Plan F option that carries a higher deductible. The range of monthly premium is approximately $53 to $181.
  • Humana Medicare – in Cleveland, Ohio, for example, Humana offers Plans A, B, C, F and N.  There are four different levels of Plan F, however, at both the low and high end of supplement costs in the area. The range is approximately $52 to $156, with the premiums determined by the amount of annual deductible for each.
  • HealthNet Medicare plans include  A, C, F, G, K, L and M.  Additionally, there is a second Plan F that carries a higher deductible than the standard.  A senior living in Los Angeles, California would pay approximately $64 to $162 per month at age 65.
  • AARP UnitedHealthcare –  Perhaps the best Medicare supplement nationwide health insurance company,  Among the various AARP Medicare Supplemental plans are 10 options for a senior living in metro Phoenix, Arizona. Endorsed by the the American Association of Retired Persons (AARP), participation in this carrier’s plans in any state requires a senior to be an AARP member. In addition to Plans A, B, C, F, G, K, L and N, United Healthcare’s AARP options in Arizona include an upgrade to Plans F and C.  Estimated monthly premiums range from $42 for Plan K to $140 for Plan F.

Seniors considering a Medicare Supplement but concerned about the monthly cost – generally greater than Medicare Advantage programs – can be assured of a wide range of premium options. Very generally, a female age 65 in good health could expect to pay within a range of approximately $40-$180 in monthly premiums for a Medicare Supplement plan. While this might seem less attractive than the MA option, many of which charge no monthly premium, a Medicare Supplement plan might well save you money. The savings in out-of-pocket fees for deductibles, co-payments, hospital stays that exceed what Medicare Plan A covers, and so forth, could be considerable. One should closely gauge travel plans and the need for medical care when choosing between the many options.

Source: https://insurelife.life/how-to-determine-your-best-medicare-supplement-insurance-companies/

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Luxury Living Zero Twist 100% Cotton Towel


cotton towels
cotton towels
cotton towels
cotton towels
cotton towels
cotton towels

Luxury cotton towels solid colour and excellent as a housewarming gift or bridal shower gift. It is perfect for home bathing, spa, lounging, swimming, beaches or pool parties.

Available in colors: blue/pink/yellow
Major ingredients: cotton/ yarn: zero twist, 14 branches, content: 100%

Description:

100% Brand new and high quality. It’s a good gift for your friend, lover and family;

  • Superior softness
  • Elegantly soft cotton
  • Machine washable

Note:

Item color displayed in photos may be showing slightly different on your computer monitor since monitors are not calibrated the same.

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HOW TO GET THE MOST OUT OF YOUR TRAINING


I’ve worked in the fitness industry for a long time and if there is one thing I know to be one hundred percent true, it’s this; the fitness industry is filled with thousands of people, wasting millions of dollars who will never achieve their goals. Why? What quality is it that determines the success of a client?

Pretend for a moment you’re a football coach. What determines whether an athlete makes your team or gets cut? The superstar athlete with the most talent is not going to be the only one to make the team. There are going to be many other players that are successful at making the roster. How is the selection going to be made, and what qualities as a coach would you look for? I’m guessing you’d probably look for the athlete that is coachable and gives 110% percent all the time.

Now let me ask you the most important two question anyone has probably ever asked you as a training client:

#1. Is there any reason you would select a player to be a part of your team who isn’t coachable or willing to put in the work?

#2. How much time and effort would you be willing to devote to that athlete?

Successful athletes know exactly what is required of them and they would never dream of telling their coach no or get caught dead not putting in the work, knowing they otherwise wouldn’t make the team. Unfortunately, this isn’t the case in the fitness industry because in the complex client/coach relationship, the “athlete” pays the coaches salary.

I’ll be entirely honest with you, the fitness industry is extremely difficult to be successful working in. So much so, that the average career life of a personal trainer is less than a year. Most trainers struggle to make enough money to be considered above the poverty line. Let me tell you something; trainers quickly become experts at assessing a client’s coachability and willingness to put in the work. If you show your trainer that you’re going to be an un-coachable athlete, unwilling to put in the work it takes to be successful; they will gladly take your money in exchange for chatting with you for an hour and making you feel a little bit better about yourself because you regularly go to the gyms in Scottsdale to “workout” with your trainer.

gyms in scottsdale
gyms in scottsdale

Those clients usually don’t last long. They don’t see any actual results and question why they are spending thousands of dollars on something that isn’t working. They then move on to try Pilates, or barre, or spin, or some other group fitness fad. They stick with it for a brief time, don’t see results, and continue the cycle. DON’T BE THIS CLIENT!!!

The purpose of this article isn’t to tell you how rough trainers have it. Rather, to reveal to you how to get the most out of your training. Let me say, I’ve never met a trainer who wasn’t a former athlete of some kind. We understand what it takes to make the team and the same drive that was in our coaches, is in us. It’s a rarity when God reaches down, and hand delivers a personal trainer a coachable client with the same willingness to succeed as an athlete desperate to make the team. After thanking their lucky stars, they take all our effort and pour it in to that client. That client is the reason trainers become trainers. It’s fun and comes natural for trainers to push that individual to be successful. I’ve seen those clients be successful working with great coaches and with coaches who have hardly any idea what they’re doing.

If your struggling to see results, before blaming your trainer, ask yourself how much effort you’re putting in. If you were an athlete wanting to make the cut; would you? Are you showing your coach your willing to do what it takes? Trainers don’t sign up expecting every client to be a superstar athlete. Your abilities have absolutely no impact on the effort your coach is willing to put into you. If your mind went straight to that excuse, then that’s a problem and you’re probably the un-coachable, unwilling to work client I’m talking about.

If you want to get the most out of your training, tell your coach. Start by having a conversation with coach, letting them know you’re willing to put in the effort it takes to achieve your goals. Tell your coach you want to be pushed and that even when you don’t want to do something, if they ask, you will. More importantly, show them! You’ll immediately notice a difference in the training you receive by personal trainer Scottsdale, the level of engagement, the positive energy, results will soon follow. If you don’t want to get the most out of your training, trust me, they’ll gladly take your money as long as you’re willing to give it to them.

Source: https://www.pulsefitnessaz.com/how-to-get-the-most-out-of-your-training/

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Calabasas pool remodeling

TIPS TO CHOOSE THE BEST CALABASAS POOL REMODELING SERVICE


Have Renovation in Mind?

There is a saying in the renovation industry, “Renovation is like a box of chocolates, you don’t always know what you are going to get.”

And it only adds to the problem, that the scheduled upkeep of our swimming pools is often one of the last thing which comes to our minds. A luxury; seldom appreciated, often misused.

It is for the same reason that when you do decide to spend on the upkeep of your pool, it has to be a calculated and meticulous decision.

We know it may seem a little overwhelming and frightening at first, but trust us; a well thought out plan is going to save you hundreds of your hard-earned dollars.

Before we dive into the finer details, first let us understand the various instances when and why your pool may need renovation.

Calabasas pool remodeling
Calabasas pool remodeling
  1. You Notice a Gradual Drop in Water Level

There could be several factors contributing to the fall of water level. Your pool probably has its floor tiles eroded. This means that the tiles which were supposed to act as a barrier between the water volume and the ever so thirsty ground, have given away to erosion.

Water could be slowly seeping into the earth.

Another possible reason for this could be a faulty plumbing leaking somewhere. If such is the case, then no, a simple water sealant won’t fix it. You need to call in the professionals.

  1. The Floor’s Friction Has Reduced

Although contrary to popular belief, that eventually the floor erodes and feels rougher to the touch, a fault in the filter and pumping mechanism can lead to sediment deposition on the floor, and render the floor texture slippery.

Why should this be a matter of concern? It is because sediments encourage the growth of the slimy moss on the floor. This poses a two-fold threat.

A floor that is difficult to stand upon and a greenish tint in the pool waters.

  1. It Feels Outdated And Defunct

With the exponential increment in technology and designs, it is quite normal to feel that your pool is already dated even if it is just a few years old.

That, or the fact that old plumbing and pumps would be better off with a replacement after years of service.

You would definitely not want your pool to stick out as a sore thumb in your beautiful garden parties and celebrations, would you?

  1. The Plumbing Has Worn Out

Sometimes, even if we are up to date with the Calabasas Pool Remodeling and its equipments, it is possible for a few components to give away after prolonged use.

Plumbing is one such part of the pool. A vital component which renders the pool inoperative eventually if not corrected instantly.

How does one know if plumbing is at fault? For starters, you notice that it takes longer for the pool to refill. A reduction in water level could also be pointing at a leaking pipe in the structure which needs immediate attention.

  1. It is Simply Dreary

We would suggest you to go for renovation if you feel that the act of spending time outdoors in the pool has become monotonous.

Perhaps you could add a water slide for kids, or a ramp for adults to jump from.

These simple additions would help a lot in turning the ambience up a notch.

A Few Ideas You Could Consider for Renovation

  1. Fountains and Falls

Like we said, no one wants a fun activity to become monotonous. Adding something as simple as a fountain, or a shiny new slide goes a long way to add to the mood.

  1. Change or Add Some Night Lights

You must have noticed in many Hollywood movies that how picturesque the pool, which is lighted properly, looks at night.

Some small LED lights beneath the surface of the water, or on the side walls, truly add to the beautiful atmosphere near a pool.

A night swim with a glass of champagne will never be the same again!

  1. Modify the Shape And Add Beautiful Designs

Perhaps when remodelling, you could shape it like an 8. Or you could strip away the old obsolete tiles and replace them with exciting new designs.

How about adding a few plastic animals here and there? You may notice that kids suddenly seem too eager to swim and play around the pool. We recommend experimenting with various looks.

And Finally, Picking The Right Remodelling Company
Does the Company Have a Good Track Record?

We have seen many people spend their precious and hard-earned money on shady contractors who have bad or no track record. It is always prudent to perform a background check on the said company. You could ask around town, or enquire from your friends who already have a pool. It helps, always.

Are They Legitimate And Do They Have the Proper Clearance?

Unknown to the general population, it is fairly easy to fall prey to fraudulent contractors and agencies. It is always best to seek agencies which have the membership of The Association of Pool and Spa Professionals, and whose technicians are CPO certified.

This ensures prompt and quality service as you have a governing body to complain or fall back on.

Do They Cater to Your Needs and Have The Desired Expertise?

If the company that you are planning to hire is incapable of implementing your choices and designs, it is always better to move on and pick out another, than trying to negotiate a middle road. Sift through their history for any grievances from past employers, and this will give you a clue as to whether they fit the bill or not.

We Are Here to Help!

Who knew that a task as simple as remodeling your pool can seem so daunting and befuddling? But this thorough planning is necessary if you want to spend just and spend right.

Life has given us plenty of things to worry about; don’t let the puny pool be another taskmaster!

Armed with our highly-skilled technicians for Calabasas Pool Remodeling Service, you will have the best pool to boast about in the neighborhood. Just give us a quick call and we’ll handle everything from there!

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Hire Professional SEO San Jose Expert


Search engine optimization SEO has come up with attention grabbing success recently. This is mainly because it has benefitted a lot of online business sites with a lot of growth and prosperity of their business men bloc. To make the most out of your SEO campaign, it is important to consult professional full time SEO San Jose. Here’s the reason why…

Why Hire Full Time SEO?

SEO San Jose
SEO San Jose

It has become extremely important nowadays to hire dedicated SEO services to give a real boost to your online business activities. To make your website visible among toppers, hire a full time San Jose SEO expert. Some of the benefits that a dedicated SEO San Jose can provide to your SEO campaign are:

He/she would rightly examine and follow the competitive online market in a professional way, eventually offering betterment for your online business.

Dedicated SEO San Jose will search for right keywords so as to ensure growth of your site readability and your business growth altogether. A professional SEO San Jose company will not just aim at driving huge traffic but targeted traffic to your website, which is likely to benefit your business.

He’ll put in all his professional SEO San Jose efforts to let your website be among best rankers on the top search engines, such as Google, Yahoo and Bing.

He meets his work’s deadlines. These search engine optimization experts are familiar with pros and cons of SEO and work for that reason. They always keep themselves updated on recent trends in SEO market. Moreover, they remain up to date with latest tools and software to make tasks quicker and easier.

Full time SEO San Jose services are reasonable in cost. Moreover, these services offer more attractive returns on investment. Thus, you get more money with less investment.

SEO San Jose Experts use unique and customized strategies for individual online business site. Further, they make a detailed search of your product/service and analyse strategies of your competitors, finally offering a special and successful marketing strategy to optimize website in an appealing way.

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Must Have Features Your Web Site


Just Don’t Focus on the Home Page, Keywords and Titles

The first step to sales when consumers visit your site to see the products they were looking for. Of course, San Jose SEO Expert and better rankings can’t keep your customer on your site or make them purchase. The customer having visited your site, now ensure that he gets interested in your products or SEO services and stays around. Motivate him to purchase the product by providing clear and unambiguous information. Thus if you happen to sell more than one product or service, provide all the required information about this, maybe by keeping the information at a different page. By providing suitable and easily detectable links, the customer can navigate to these pages and get the details.

Understanding Your Target Customer

If you design a website you think will attract patrons, but you don’t really know who your customers are and what they require to purchase, it is unlikely you make much money. SEO Website business is an extension or replacement for a standard storefront. You can send email to your existing patrons and ask them to complete a sounding or even while they are browsing on your website. Ask them about their choices. Why do they like your products? Do you discount prices or offer coupons? Are your prices usually lower than others? Is your shipping price cheaper? Do you respond faster to client questions? Are your product descriptions [better]? Your return policies and guarantees better than your competitor’s? To know your customer you can check credit card records or ask your customer to complete a simple contact form with name, address, age, gender, etc. when they purchase a product San Jose SEO.

Does Your Website Give Enough Contact Information?

When you sell from a website, your customer can buy your products 24 hrs a day and also your customers may be from other states that are thousands of miles away. Always provide contact information, preferably on every page of your website, conclude with a mailing address, telephone number and an email address that reaches you. People may need to contact you about sales, general information or technical problems on your site. Also, have your email forwarded to another email address if you don’t check your website mailbox repeatedly. When a customer wants to purchase online provide enough options like credit card, PayPal or other online payment services.

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Parsnip Pants – Perfect Day – Organic Baby Clothes


Classic Parsnip Pants are a staple for any little one’s wardrobe, made from super soft organic cotton clothing in a pretty Perfect Day all over print! These Parsnip Pants are designed to have loads of wriggle room for extra comfort and the long Flamingo Pink elasticated rib cuffs grow as little one grows, making them last longer.

Why we love it?

       Made from super soft organic cotton clothing Interlock

       Longer elasticated rib waistband and cuffs allow for growth and a touch of elastane makes them extra stretchy and comfy

         Colourful and fun all over baby leggings design

       Cut 4 Cloth

baby leggings
baby leggings

Free Delivery on all UK orders

UK DELIVERY OPTIONS

Royal Mail Standard – 2 to 4 Working Days – FREE

Royal Mail 1st Class – 1 to 2 Working Days – £3.40

Next Working Day DHL Express – £9 (If ordered before 1 pm Mon to Fri)

EUROPEAN DELIVERY OPTIONS

European Standard Delivery – Estimated delivery within 7 working days – £7.50 (Free for orders over £100)

European DHL Express – 3 to 4 working days – £20

NORTH AMERICA DELIVERY OPTIONS

North America Standard Delivery- up to 2 weeks – £12 (Free for orders over £100)

North America – DHL Express – 3 to 6 working days – £20

AUSTRALIA DELIVERY OPTIONS

Australia Standard Delivery – up to 2 weeks – £14 (Free for orders over £100)

Australia – DHL Express – 3 to 6 working days – £26

REST OF WORLD DELIVERY OPTIONS

Rest of World Standard Delivery – Up to 2 weeks – £14 (Free for orders over £100)

Rest of World – DHL Express – 3 to 6 working days- £28

*If you are ordering from outside the UK or European Union local taxes and import duties may be applicable and payable when the delivery reaches the specified destination. You are responsible for payment of any such taxes and import duties. Please contact your local customs office for further information before placing your order. We cannot predict their amount or have any control over these.

**Please note! In the rare instance that your delivery is very heavy we may contact you for extra delivery costs.

DISPATCH TIMES

If your order has been accepted, we will dispatch your order as quickly as possible Monday to Friday. Orders placed after 1pm on Fridays will be dispatched the following Monday. For any orders placed over the weekend, these will be processed the following Monday.

TRACKING

Once your order has been fulfilled we will send you a confirmation email to the address you entered in your order. If you selected an express courier option, this will include your unique tracking number to track your parcel. You can track the progress of your delivery from despatch to delivery.

Returns Policy

We hope you love everything you order, but in case you don’t, not to worry. We will happily accept returns for unused merchandise in its original condition at time of purchase for up to 30 days from purchase date.

For items purchased on www.tillyandjasper.co.uk, we offer a full refund (with the exception of gift wrapping and shipping expenses associated with the order) if they are returned in their original condition within 30 days of purchase.

If in the unlikely event your product has a manufacturing defect, please contact us at support@tillyandjasper.com or call us on 020 7193 6913. We are here to help and resolve any concerns Monday through Saturday from 9am GMT to 6pm GMT.

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5 Benefits of Relocatable Homes In NSW


Retirement brings advantages: more leisure time, new hobby opportunities, travel, and even a location change. New South Wales is a beautiful location with a bit to offer. In NSW, Australia, retirees have accessibility to lots of different retirement villages and residential parks where they’re able to place their own relocatable homes. Buying a relocatable homes in NSW and living in one of the different parks or villages, is a great and affordable way to take advantage of your retirement. Let’s explore the benefits.

Affordable

Relocatable homes are a great alternative to a large home. The residential parks in NSW are an affordable choice to explore during retirement. The lower maintenance costs of living in a relocatable homes are less than living in a traditional, larger home. With much less to care for, more time is freed up for you to pursue the areas of interest you enjoy.

relocatable homes
relocatable homes

Community

The retirement parks or villages offer a sense of community. The parks are much like small towns. Most offer perks that otherwise may not be affordable to some people such as tennis courts, swimming pools, libraries and community centers. Buying a relocatable homes in NSW is a practical choice for remaining active and involved during retirement years, with plenty of options to stay connected.

Social Clubs

If you are a social butterfly, you’ll enjoy being part of a social club. Most residential parks offer an arts and crafts club as well as other groups to match people up with others who have similar interests. People are accessible to you, living down the lane from your own home.

Transparency

When you buy a relocatable homes qld and place it in a residential park or retirement village, you know what you are getting in for. No ongoing rates and taxes, no exit fees, and no duty stamps are advantages. People may be eligible for commonwealth aid as well. The laws and regulations in place for living in one of these communities are plainly written. Most have a committee available to act on the behalf of the residents.

Article Source By: https://www.holidaylife.com.au/relocatable-homes-nsw/

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