LEISURE AND GETAWAYS: A NECESSITY FOR SENIORS

LEISURE AND GETAWAYS: A NECESSITY FOR SENIORS

The quest for attaining the peak of one’s career in life is always a daunting task with responsibilities multiplying by the day, this seems to leave one no other choice but to pull through to success. There might have been so many business trips involved to so many locations under different circumstances and conditions but all these were just for striking business deals and cashing out. Over the years, studies have proven to establish the fact that a lot of travels being made by the business class had little or no consideration for leisure, this only become of importance when age sets in. For 2020 get a quote for a supplement plan here https://www.medicaresupplementplans2020.com/quotes/

As you advance in age, the capacity to fulfil some duties becomes more cumbersome and then you finally take the long awaited decision to retire and shed off some weight. You realize how hard you’ve worked your whole life and how intense you craved seeing the world, travelling to some enchanting locations and gaining new memories of diverse cultures you never thought existed. All these desires now become clear and achievable as you are retired and have all the time in the world to actualize you dreams. The next step to take in the realization of these dream is planning, it must be thoroughly made to get the best travel experience and here are some noteworthy tips:

  • As a senior, you should visit your doctor for a complete medical check – up especially if you have any chronic medical condition. For long trips that require you taking your medications along, try obtaining a letter of explanation from your doctor.
  • It’s of extreme importance to obtain a travel insurance which covers a lot of incidents that may occur during the intended trip. Unexpected events such as medical issues might occur as this is the major issue that senior travelers experience, this might cause a cancellation of such trip or other incidents like lost luggage issues. In obtaining a medical or health insurance, you should make enquiries on how much cover you have within and outside the country.
  • Consult your travel agent and find out about the location of most medical facilities in the area and also make solid arrangements for seating needs like a wheelchair, guide dogs, and the likes as they might have unexpected usage.
  • Purchase a guide book and familiarize yourself with the environmental condition, people and the culture in practice.
  • Endeavor to carry along everything you will be needing for the trip like your medical kit, spare glasses, painkillers, band – aids,
  • Take along with you at all times your identification and contact details of your nation’s embassy.  These are noteworthy tips that should be attended to when making a tour or trip to avoid an unforeseen circumstance.

Comparison of different Medigap policies

Comparison of different Medigap policies

Most people over the age of 65 have purchased Original Medicare to insure most of their health care costs. It consists of parts A and B. However, Medicare does not provide insurance for all costs approved by Medicare. In addition, this does not guarantee most prescription drugs. It is formulated to provide insurance for many of the outpatient care approved costs (i.e. Part A) & about 80% of the approved costs for outpatients (Part B), leaving the remaining balance to be paid.

Basically, these are only 2 options which are available to provide insurance for these expenses. The first option is to sign up for a drug insurance policy and a Medicare supplemental policy. The second option is to take out a Medicare Advantage (Medicare Part C) policy. Apart from the A, B, C and D plans, you currently have the choice of 7 additional Medicare plans (F – N). The benefits of each policy are different in one way or another. One exception is the fact that every policy must have basic insurance benefit. The different Medicare plans were in 1990 standardized to reduce the puzzle which consumers have faced when making comparison of the different insurances provided by different health insurance companies.

Because of this standardization carried out, it is now much easier for consumers to compare benefits and make costs comparisons between insurance providers. Therefore, the terms “MediGap policies” and “Medicare supplementary policies” mean essentially the same thing and can be used interchangeably. Because there are many health insurance policies available, it is important to look for each one so that you can choose the one that best suits your situation and your personal needs.

When looking for additional strategies and comparing those found, one of the first things to know is that many websites that advertise these strategies are only there to collect personal information. Most of the time, instead of implementing what was advertised, insurance companies will either create buy lead generators to accomplish this aim. These companies basically do not know the right way to develop new activities and therefore use these rigorous practices.

Most companies will want you to believe that they are actually selling additional Medicare policies, but the truth is that they are only there to collect your personal information and sell it to different insurance agencies.  You can determine if you are a legitimate provider of Medicare insurance and health insurance policies in two ways. First, they will provide a free phone number and, secondly, they will make a statement promising that they will not sell their personal data to anyone, or group of persons, or organization.

Compare prices when searching between different companies that offer these different Medicare policies. Notable insurance brokers working in your area can provide these comparisons to you. In various situations, even though the proposed integration policies are identical, the prices will be different. Remember, it’s helpful to do a lot of research to make an informed decision when you buy the Medicare supplement policy found here https://www.Medicaresupplementplans2019.com/medicare-supplement-plan-f-2019/that is suitable for you.

Do you need Medigap insurance?

Do you need Medigap insurance?

If you are 65, you will be entitled to Medicare Part A and Medicare Part B. This means also that you will be entitled to Medicare Supplement or Medigap insurance. Medicare Part A insures for your hospital treatment; however, you will still be responsible for things like part A deductibles. Medicare Part B insures it for doctor visits and medical exams. However, Medicare Part A and B only cover about 80% of total medical expenses. Medicare supplemental policies are designed to insure what Part A and Part B do not cover.

Medicare combined with the right integration policy is actually excellent insurance and often has better insurance than you had with your employer or family policy. In fact, with the right policy, you can be paid for any deductible, co insurance and co. Older people consider it easier to plan for a monthly payment because they don’t need to worry about the unexpected costs of treatment all through the year.

Currently, there are 11 different Medicare supplement policies. These policies have a different letter to identify each policy, such as Policy F, G and C. Older people often find it very confusing to discover which policy works best for them.

Generally, Medicare insures 80% and the recipient must take only the remaining twenty percent. The Medigap N supplemental insurance policy will be one of the many Medigap policies that cover these additional costs. In addition, policy N insures the annual deductible for part A.

That’s why it’s so important to find a great independent agent that specializes in Medicare supplemental insurance. A good agent can show you all the policies of the big insurance companies. You will also spend time analyzing what your current health benefits are and what the needs are with the policy that best suits your needs.

There are many benefits for a Medicare supplement policy like:

  1. No network: you can go to any hospital or doctor you want. If you accept Medicare, you will also accept the supplemental policy.
  2. The benefits will not change and you can keep the policy for life.
  3. Coverage in other states.
  4. Emergency insurance for international travel (available in some plans).
  5. Limit the high maximum costs burden.

Then, with a Medicare supplement, you can see more doctors and be confident that most, if not all, medical bills will be covered. You may not have dental and facial discounts and you need to buy Part D separately, but you can be assured that medical expenses are not responsible for the loss of your savings or your budget.

There is actually no reason to bother about the options of your Medicare. Locate a competent agent whose specialty is Medigap insurance and the professional will save you plenty of time and money. It is also important that you check your benefits with an expert every year or two to make sure you get the best cash insurance. Policies and prices frequently changes; hence, having a relationship with a specialist in Medicare supplements to turn to will be a big problem.

5 exams you must get to check your health

We all wish to stay healthy and that is possible if you keep a good regime of diet and exercise and also visit your doctor regularly. Your doctor would examine your body for any early signs of problems that could be dealt with in time to ensure that the best results are achieved. For that, however, you will have to be active and get yourself a thorough check-up. The 5 most important check-ups during a medical examination should be as follows:

Heart test: If you are above 30, it’s a must that you get your heart checked, especially when heart condition runs in your family. The test that must be conducted would be ECG, EKG, Echos, Coronary calcium scan etc. These tests are also helpful to find the heart condition before taking part in any physical activity to know about any risks etc.

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Blood pressure: Another common test that is a must, is a blood pressure check. Blood pressure check will bring out the situation of hypertension or heart issues. It is a good way to get alarmed of prehypertension if the symptoms exist. High blood pressure and low blood pressure both causes trouble and it is easy to control the situation when they are diagnosed in time.

Mammogram test: There are so many cases of breast cancer that have come to light. The mammogram is a breast X-ray that should be a part of the doctor’s check-up schedule as it will lead to early detection of any signs of the condition. Screening of breasts can bring out the health condition; it is easy to take precautions and needed medication in cases of early detection.

Lipoprotein: Only a small amount of cholesterol is required by the body, the rest gets deposited on the walls of the artery throughout the body these leads to blockages and heart attacks. The measures of the tests are high-density Lipoprotein (HDL), Low-density Lipoprotein (LDL), and triglycerides which means a presence of another fatty substance other than cholesterol level. A regulated cholesterol level reduces the risk of heart attacks and artery diseases.

Blood test: It is unlikely that a body disability is not depicted by the blood, thus blood test forms an important part of body check-up. Blood test for blood platelets and hemoglobin is highly common. FBC (full blood count) would be enough to find out about the blood’s health and the overall health of the body. These blood samples may be further used for any other special test like thyroid testing or similar conditions.

Health Insurance for Senior Citizens – How to Get the Best Rate

Aѕ a senior citizen, you mау fіnd уоurѕеlf in a health іnѕurаnсе emergency – no lоngеr соvеrеd bу аn employer’s hеаlth insurance роlісу but needing hеаlth insurance mоrе than уоu еvеr dіd before. Of соurѕе, Mеdісаrе covers ѕоmе оf your mеdісаl еxреnѕеѕ, but hоw саn уоu gеt thе best rate on hеаlth insurance tо соvеr thе gaps Mеdісаrе lеаvеѕ?

Whаt Mеdісаrе Cоvеrѕ

Once you аrе аt thе аgе of 65 уеаrѕ, уоu’rе еlіgіblе to еnrоll іn Mеdісаrе. Mеdісаrе can іnсludе several рrоgrаmѕ:

* Mеdісаrе Part A, whісh hеlрѕ соvеr inpatient hоѕріtаl саrе, nurѕіng hоmе саrе, hоѕрісе саrе, and ѕоmе home hеаlth care. Mоѕt реорlе pay for thіѕ соvеrаgе thrоugh taxes, so thеу do not pay a deductible or monthly рrеmіum.

* Mеdісаrе Pаrt B, whісh hеlрѕ соvеr dосtоrѕ’ ѕеrvісеѕ, оutраtіеnt hospital care, mеdісаl equipment, рhуѕісаl аnd occupational therapy, аnd ѕоmе home hеаlth саrе. Most people рау аn аnnuаl dеduсtіblе and a mоnthlу premium fоr thіѕ hеаlth plan.

* Mеdісаrе Pаrt C, Mеdісаrе Advantage Plаn, which offers уоu mоrе сhоісеѕ аmоng hеаlth рlаnѕ and еxtеndѕ уоur bеnеfіtѕ.

* Mеdісаrе Pаrt D, рrеѕсrірtіоn drug соvеrаgе.

In addition, you may nееd Mеdіgар coverage, which іѕ hеаlth insurance thаt covers whаt Medicare dоеѕ nоt.

Affоrdаblе Hеаlth Insurance fоr Senior Cіtіzеnѕ is available at https://www.medicaresupplementplans2020.com/

Aѕ уоu саn see, health іnѕurаnсе for ѕеnіоr citizens can be соnfuѕіng. Fоrtunаtеlу, іnѕurаnсе соmраrіѕоn websites саn hеlр уоu gain a clear рісturе of what health іnѕurаnсе уоu nееd, аѕ wеll аѕ help you find that іnѕurаnсе аt a reasonable rаtе.

All уоu need tо dо is gо tо аn іnѕurаnсе соmраrіѕоn website аnd complete a simple fоrm with information аbоut yourself аnd уоur insurance needs. Onсе уоu submit thе form, you wіll ѕооn receive ԛuоtеѕ for affordable health іnѕurаnсе frоm multiple A-rated іnѕurаnсе companies.

Health Insurance For Senior Citizens – Why Are They So Hard To Insure?

Private health insurance for senior сіtіzеnѕ іѕ vеrу hard to соmе bу. As you get older, іt bесоmеѕ mоrе prevalent that соmmеrсіаl іnѕurаnсе соmраnіеѕ don’t want tо соvеr оldеr Amеrісаnѕ. Sіnсе thе creation of Mеdісаrе, there is no іnсеntіvе to соvеr ѕеnіоr citizens bесаuѕе most buу іntо thе Mеdісаrе system аnуwау. Even thоugh thіѕ may bе truе, thеrе аrе ѕtіll ѕоmе older Amеrісаnѕ whо nееd tо buу private health іnѕurаnсе. Sо lеt’ѕ take a look at some оf thе main rеаѕоnѕ whу gеttіng insurance fоr them саn bе dіffісult.

Your Agе Iѕ a Dominant Factor.

Thеrе are a numbеr of rеаѕоnѕ why ѕеnіоr citizens саn’t gеt hеаlth соvеrаgе. Fоr starters, a lot оf hеаlth insurance соmраnіеѕ look аt your age. When реорlе ѕtаrt getting оvеr thе age оf 50, thеу аrе рrоnе tо have mоrе illnesses, thеу see the dосtоr mоrе often, and they might hаvе mоrе hospital ѕtауѕ. Sо the rіѕkѕ of іnѕurіng аn older person fаr оutwеіgh the bеnеfіtѕ. We all аgе ѕо whу іѕ thіѕ ѕuсh an іmроrtаnt fасtоr?

Thе Cоѕt Of Ensuring An Older Person Iѕ High.

Duе tо thе fасt that thе еldеrlу are prone to so mаnу соndіtіоnѕ and wіll nееd ѕо muсh саrе, thеrе аrе mаnу companies who consider thеm tо bе a bіg risk. Thе аvеrаgе hоѕріtаl ѕtау оf a person over the аgе of 50 іѕ lоngеr than ѕоmеоnе іn their 20’ѕ аnd 30’s. Younger people heal аnd rесоvеr a lоt quicker thаn оldеr adults ѕо thеіr cost реr trеаtmеnt is lеѕѕ. Inѕurаnсе companies know аррrоxіmаtеlу hоw muсh they hаvе tо рау оut fоr each age grоuр аnd tаkе аll thеѕе thіngѕ іntо соnѕіdеrаtіоn when рrісіng policies.

Prе-Exіѕtіng Cоndіtіоnѕ аrе Nоt Inѕurаblе.

If you have a рrе-еxіѕtіng соndіtіоn lіkе diabetes оr high blооd pressure, іt іѕ mоѕt of thе tіmе nоt іnѕurаblе. Maybe wіth thе new hеаlth саrе reform, thіѕ wіll change. However, whаt dоеѕ a рrе-еxіѕtіng соndіtіоn tell an insurance company? It tеllѕ thеm that уоu mау nоt dо a gооd jоb іn taking care оf yourself оr you hаvе bаd eating hаbіtѕ. Sо why іnѕurе ѕоmеоnе whо could have роѕѕіblу prevented ѕuсh conditions bу not drinking, nоt ѕmоkіng, and not overeating. This mау nоt bе fаіr but іnѕurаnсе соmраnіеѕ аrе in thе business оf mаkіng mоnеу fоr thеіr investors.

Affordability May Be A Problem.-Get help with this at https://www.medisupps.com/medicare-supplement-plans-2020/

Thе last thіng thаt уоu wіll fіnd is thаt many times, ѕеnіоr сіtіzеnѕ саn’t afford the іnѕurаnсе. Even іf they find a соmраnу wіllіng tо insure them, many are retired аnd are оn a lіmіtеd іnсоmе. Thе соѕt оf рrеmіumѕ аlоnе саn еаt uр аnу rеtіrеmеnt check оr реnѕіоn іnсоmе. Mаnу have to сhооѕе bеtwееn іnѕurаnсе оr kееріng a roof оvеr their heads.

Gеttіng hеаlth insurance fоr ѕеnіоr citizens іѕ still a big сhаllеngе fоr many. Mаnу hаvе nеvеr paid іntо the social ѕесurіtу ѕуѕtеm аnd аrе nоt еlіgіblе fоr Medicare аnd рrіvаtе іnѕurаnсе is wау tоо еxреnѕіvе. Hореfullу, thе new hеаlth care rеfоrm will аddrеѕѕ many оf these issues оthеrwіѕе whаt options dо these ѕеnіоrѕ have.

Medigap Medicare Supplement

As the name suggests, Medigap Medicare supplement insurance is supplemental insurance for Medicare coverage. Medicare is a health insurance coverage provided by the government of United States for individuals above the age of 65 and for people with qualifying conditions (amyotrophic lateral sclerosis and end stage renal disease). The insurance covers a number of health care expenses but it leaves some existing gaps which Medigap Medicare supplement Insurance is formulated to fill.

The existing gaps in Medicare coverage arises from the fact that Medicare does not cover for all medical services. The health care expenses which Medicare does not pay for include majority of hearing aids, dental care, most eye care including eye glasses, alternative surgery, cosmetic surgery, and experimental procedures and treatment.

Medigap insurance also helps to cover the part of your medical costs that is not paid for by Medicare. These are the deductibles, coinsurance, and copayments which arise because typically Medicare does not pay all of the medical costs they cover and beneficiaries are required to foot the remaining part of the bill. Normally, you can only expect that Medicare will pay about 80% of your medical and hospital bills.  Go to the following site for more information https://www.bestmedicaresupplementplans2019.com/

Medigap Medicare insurance is provided by private insurance companies that have the authority to sell these plans by CMS (Centers for Medicare and Medicaid) – an arm of the United States Department of Health and Human Services (DHHS). CMS is saddled with the responsibility of administration of Medicare. They also ensure that the private insurance companies are discharging their duties within the ambit of federal and state laws.

These private insurance companies are permitted to sell 10 Medigap Medicare supplement insurance plans. These plans are labeled with the letters A through N. The standardization of the plans is done by CMS. Basically, all the plans offer the same minimum benefits. Plan A offers the least benefits and the most benefits is offered by plan N. The standardization is done to makes sure that the different private insurance companies offer the same benefits under each plan. The cost (insurance premiums) of the plans they offer is the only difference between the different insurance companies.

The private insurance companies who sell the Medigap Medicare supplement insurance plans do not need to offer all 10 plans. They are however, required to offer a minimum of plan A. They are also required to offer either plan C or F, in addition to plan A, if they choose to offer more than one Medigap plan.

The open enrollment period is the best time to sign up for Medigap Medicare supplement insurance plan. This is because federal law which the private insurance companies are bound by requires them to sell to you any plan you want even if you have a pre-existing medical condition. The requirement however, is that you must have signed up for Medicare Part A and Part B.

When shopping for a Medigap Medicare Supplement insurance policy, please not that the Medigap cost will not be the same for all companies. Hence, it is good to shop around since each plan has identical coverage.

Network Marketing For Seniors

A number of elderly and seniors can be seen working menial jobs in fast food or retail stores. Even though they might be working on a part-time basis for the social aspect & for keeping themselves engaged, many require that some extra money which they can use to support their needs. Their day-to-day living costs might have decreased, however, it’s also a fact that their medical prescriptions have probably risen in these years.

 

Even wealthy folks like to work well over their regular retirement age simply because it helps them stay engaged and busy.

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For seniors wanting to make some cash without losing their freedom, MLM or network marketing industry provides people with an opportunity to start a work from home business with a minimal starting capital. It offers anybody an opportunity to enjoy financial freedom through dedicated effort & hard work. Although most individuals who try their luck in network marketing find it difficult to make any substantial cash, seniors are, in fact, among the top leaders in this field who’re achieving or have already achieved true financial freedom.

advantage plans in 2019

The fact of the matter is that older folks are able to enjoy plenty of benefits from a number of products sold via network marketing. As you may have already heard or seen, quite a few products in the healthcare industry are sold using this medium. For instance, you can see an increasing number of liquid nutritional pills along with different multi-vitamin supplements are already being sold using network marketing.

 

Skincare and cosmetic items have been marketed using mediums like the MLM for a number of years now. Majority of these networks have also added anti-aging items in their lines. Such products are greatly demanded by people who want to look young forever.

 

Through network marketing, you are your own boss and hence are able to work on your own pace. Those wanting to earn plenty of cash tend to spend most of their time working at it so as to achieve the lifestyle they desire. Even if you just want to earn a side cash, you can still make it work with consistency and dedication. Believe in your own abilities. Adjust your plan of action and keep moving forward since you never know what things will work & what won’t till you start. The fact is, you can achieve success in every single thing that you decide to do provided you have a positive attitude towards yourself and your life.

Medigap Cost

One needs to spend a good deal of time to examine Medigap cost. When considering the available options for supplemental medical insurance, the Medigap insurance plan is a very useful addition to the health plan of retirees, especially if one expects plenty of doctor visits and medical procedures. However, considering the variety of Medigap options and the associated cost for each one, every individual needs to take as much time as required so as to pick the best plan in terms of financial suitability and actual health benefits.

As regards Medigap cost, the first thing to remember is that Medigap plans are structured in such a way that all insurance companies offer the same type of Medigap plans. For instance, Medigap Plan N from Insurance Company A will offer the same benefits as Plan N from Insurance Company B. The major benefit to this is that it simplifies the task of comparing one plan with another.

For a company, the final price would depend on a combination of pricing schemes that they make use of, the state where the plan is being offered, the prevailing overall market for supplemental medical insurance policies, and their perceived reputation in the market.  Get a quote at https://www.medicaresupplementplans2019.com/aarp-medicare-supplement-plans-2019/

To shop for insurance policies, it is imperative therefore that you are familiar with all of these factors so you can find the most competitive prices for the plans under consideration.

The pricing scheme used is one important aspect of the Medigap market that you need to get familiar with. One of three schemes is used by companies to help determine how much their Medigap plans are priced.

  • Age-attained plans.

The premium price for this plan is based on the age of the plan-holder and increases progressively each year as the age of policy owner increases. A Plan C policy may cost $145 per month in Year 0, $153 per month in Year 1, $160 per month in Year 2 and so on. The plan price here will be lower at the onset but will increase incrementally per year.

  • Issue-age.

For this Medigap cost scheme, companies determine the premium price based on the age of the policy holder when the plan is first acquired and there are no subsequent increases in premium costs to be expected.

Using the previous example, let us assuming Year 0 corresponds to an age of 65. If a policy holder enrolls for the plan when he or she is 65 years old, the premium price will be $145 per month and will remain so for the duration of the life of the plan. If the same individual enrolls for the plan when he or she is 67, the premium price will be $160/month and will remain the same for the duration of the plan. Please note however that issue-age policies usually cost higher in Year 0 than the age-attained plans.

  • Community-rated plans.

In this plan, the price for the premium is fixed except it changes for everyone and remains the same for everyone regardless of age. This plan is often used by companies that have a wide clientele because it is a very good way to attract clients as it has a lower average cost.

 

Medicare Supplement Plan N – A Great Alternative to Medicare Advantage

Why is it that Medicare supplement plan N is a smart alternative to Medicare Advantage plan? Every year, Medicare Advantage plan is subject to change. The premium can increase, the benefits may change, or the plan may not renew for the next year.

What if you are not comfortable with the changes? Or maybe your Medicare Advantage plan is not renewed for the next year. You need to consider Medicare supplement plan N as a viable alternative. In June 2010, Plan N was introduced as one of the new Modernized Medicare supplement plans. Medicare Plan N guarantees more freedom than an Advantage plan, and also lower premiums than many other Medicare supplement plans. Sometimes, it will have premiums lower than some of the Medicare Advantage options which are available. The Benefits are fairly comprehensive and they include:

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Medicare Part A:

  • Part A hospital coinsurance
  • Part A hospital deductible
  • Blood
  • Skilled nursing facility coinsurance
  • Hospice co-payment/coinsurance

medicare advantage (plan(s) 2019

Medicare Part B:

  • Other Benefits
  • Blood
  • Part B outpatient coinsurance

The premium for Medicare supplement plan N is less than that for other supplements because some of the outpatient costs will be shared by the policy holder. If you sign up for this supplement, you will be responsible for:

  • Up to a $50 co-pay for an emergency room visit
  • Up to a $20 co-pay for doctors visit
  • The Part B deductible – currently $155 annually

Another reason why Medicare supplement Plan N is a smart alternative to a Medicare Advantage plan is that when you purchase plan N you are not affected by any network restrictions like most Advantage plans. Also, supplements provide standardized benefits from one company to another and are readily accepted by medical providers. And because these are plans are standardized, it is easy to compare one company with another. The difference between plan N for one company and the same plan for another company is the price and level of customer service.

Apart from the little co-pays for ER visit and doctors visit, your out-of-pocket expenses will be very little. For inpatient hospital stays, there are no required daily co-pays or deductibles. For some outpatient procedures, you may have fewer out-of-pocket expenses. Many Advantage plans require the same coinsurance levels as other medical services and original Medicare for outpatient surgery. Plan N supplement will cover for the 20% coinsurance for outpatient surgery that Medicare does not cover for. Unlike Advantage plans, plan N is not an annual plan which is subject to enrollment periods. Most providers are offering plan N with fewer underwritings and in many cases, pre-existing conditions are not relevant. You are guaranteed an acceptance into a Medicare supplement plan if your Medicare Advantage plan is not being renewed.

Supplements cover for the gaps left by Medicare. Generally, you are not given additional benefits, like vision, dental, or gym membership. Hence, you need to determine the importance of these ancillary services as opposed to the level of coverage and freedom offered by the supplement.