Medicare supplemental plans (Medigap) and Foreign Trips? Pt 1

Medicare supplemental plans (Medigap) and Foreign Trips? Pt 1

Does Medicare provide coverage internationally?

If you are looking to travel abroad during your retirement, you may be wondering if your Medicare insurance will take care of your health needs in another country. Generally, Original Medicare does not cover the health benefits you receive when traveling outside of the United States and its territories (Puerto Rico, Guam, the US Virgin Islands, the Northern Mariana Islands, and American Samoa).

Original Medicare may pay for them in very limited circumstances for hospital, medical, emergency or dialysis services that you receive outside of the United States and its territories.

You are in the USA and you had a medical emergency, but close enough to the border that the nearest hospital is outside the US. Or live near the border and the nearest hospital you can treat (it does not matter if it’s an emergency) is outside the US.

You are traveling “directly fromCanada” between Alaska and another US state and you will have a medicalemergency if you are in Canada. If the nearest hospital in Canada is closerthan the nearest hospital in the United States, Medicare can provide emergencycare. For 2020 get a medicare supplement plan to plan for the future.

You are on a cruise in the territorial waters of the US land areas and you can reach a US port within 6 hours. In this condition, Medicare may cover medically necessary services received on board the ship. You are not insured if your ship is more than 6 hours from the closest US port.

Other than these situations, Medicare generally does not offer international coverage and does not pay for medical care outside of the United States. In addition, Medicare plans that cover prescription drugs will not cover prescriptions that you purchased outside of the United States. Therefore, if you have Medicare or are almost qualified for Medicare and want to travel abroad, it is important to consider providing supplemental insurance to protect you in the event of a medical emergency outside of the United States.

What options do I have for Medicare travel abroad?

While Original Medicare covers international health insurance only in certain circumstances, some Medicare supplement plans include emergency coverage for overseas travel when you are out of the country. If you have Original Medicare and want to travel abroad frequently or for extended periods, it can be considered a Medicare Supplement Plan that works in addition to your Part A and B insurance. Medicare supplement plans are offered by Medicare carriers. Private insurance may cover the cost of certain services that are not covered by Original Medicare, which includes cost sharing and emergencies medical care services outside the borders.

There are 10 Medicare supplement plans available in most states, and each plan is labeled with a letter of the alphabet (e.g. Medicare Supplemental Plan G). In 47 states, the services are standardized for each type of plan. In other words, a Medicare F Supplemental Plan in California has the same benefits as a Plan F in New York. An exception is if you reside in Minnesota, Wisconsin, or Massachusetts. These states provide their own standardized policies.

Common Bladder Issues Among Senior Citizens

Common Bladder Issues Among Senior Citizens

UTI (also known as Urinary tract infection):

UTI is one of the most common issues among elderly folks. It may happen when bacteria reach your urinary tract (which could be anywhere from the bladder area to the kidneys). The weakening of bladder muscles which happen in old age might cause urine to remain inside the bladder in spite of having been cleared. This situation allows the bacteria to easily grow in the urinary tract.

UTI symptoms may include burning or pain during urination, needing to urinate frequently even if a very little amount of urine gets released.

Symptoms of lower UTI:

Common symptoms associated with lower UTI are overactive bladder, urinary incontinence, frequent urge to urinate, and inability to control the bladder. More often than not, such issues may be caused due to issues with pelvic floor muscle, urethra or bladder.

Symptoms of bladder cancer:

Passage of blood while urinating. People who smoke face the greatest risk of developing bladder cancer.

Other signs of bladder issues:

Seniors who’re experiencing any of the below mentioned issues need to consult with their doctor immediately:

Urinary incontinence

This occurs when you are not able to hold urine or experience issues like frequently urine leakage.

If you’re required to urinate 8 or more times each day or wake up a number of times each night for urination.

Urgent need for urination.

Urine that appears bloody or cloudy.

A sensation of burning or pain after or before urinating.

Not being able to empty your bladder or experiencing a weak urine stream.

Easy Remedies for a healthy bladder:

Drink a minimum of 6- 8 glasses of water each day.

Avoid smoking & limit your consumption of coffee and alcohol, in case you drink any of these.

Follow a healthy workout routine with appropriate diet.

Never hold your urine for too long.

Is UTI treatment covered by Medicare?

Before getting the coverage for antibiotics along with other essential medications useful for treating UTI, you must be enrolled in Part D Medicare prescription plan.

Medicare Part D prescription coverage is considered as a stand-alone plan which could go alongside Part A and Part B of your Original Medicare.

Just like Medicare supplement plans, Part D prescription coverage can be purchased through private insurance agencies that are approved by Medicare.

Activity Trackers for Elderly: An Overview

Activity Trackers for Elderly: An Overview

The basic idea behind activity trackers is exciting: by gathering activity info, the user can know if they are moving adequately taking into account their specific health objectives. In spite of being quite popular, they might not suit everybody. 

Below we have listed some crucial factors which must be considered before purchasing one of these devices.

Your Objective: Get a quote at

Sometimes, tracking the steps you take may not be that beneficial. For example, say that you are trying to recover from a major injury or surgery. In this case, simply walking up & down your hallway could be like a huge fitness achievement & obviously, you do not require any type of device for telling you about your achievement. On contrary, in case you are a person who has been trying to take their activity levels up to the next level and consider that the data provided by the activity tracker may help give you with your goals, then by all means, you must consider buying one for yourself.

Your Understanding of the Latest Technology:

Despite the fact that activity trackers can be fairly intuitive, you do need some level of technical knowledge in order to be able to operate them effectively. Many come with corresponding smartphone application or sites which gather and showcase your data which can be ideal for seniors who love analyzing various graphs as well as their advancement with time. In case you don’t see yourself collecting data beyond the total steps which you take on a daily basis, then a simple pedometer could meet your requirements better.


Currently, activity trackers may range anywhere in between $100 and $150. Although the cost is not that unreasonable, still it’s important to ensure it is one of those things which you will be using on a regular basis.

In case you are still unsure, it’s wise to do your research prior to making your final decision. Review various models & determine what features you might find beneficial for yourself. If required, you could even take the opinion of your family and friends.

About Medigap Insurance for Elderly:

If you’re unfamiliar with Medigap or Medicare supplement plans, these are supplemental policies provided by private agencies to meet your healthcare needs. The supplement helps senior citizens cover a few of the expenses which Medicare doesn’t cover for instance co-payments, deductibles, & co-insurance.

5 Important Traveling Tips Seniors Should Follow

5 Important Traveling Tips Seniors Should Follow

For senior citizens who have retired and have enough money and time, traveling is one of the best ways to spend leisure time. Traveling has no age limitations and seniors can go for trips whenever they feel like. It is a fantastic way to beat stress and keep occupied in a pleasurable activity that kills boredom and gives the chance to discover new destinations and places. However, in order to have a safe and hassle-free trip, here are 5 important traveling tips that seniors need to follow.

Make proper research and planning

Senior citizens need to plan their trips very attentively. Prior research can help them to make the most of their trips. Whether it comes to picking a destination or booking tickets or finalizing lodging, they can do everything well. If you are a senior, hire a traveling agent or expert to offer you amazing travel deals and ensure hassle-free trips for you.

Stay well-connected

After you have finished planning, inform a few family members and friends about your travel itinerary. It is recommended that you always stay in touch with them during your trip, so that they can have knowledge about your exact location in case of any problem and reach the spot right on time to help you. In any case, staying in touch with them can make you feel comfortable and good, and enhance the pleasure of your trip.

Ensure you have all the important traveling documents

When you travel, ensure that you have your travel insurance, visa, passport and travel documents stored securely in a safe location. You may print a copy of every document that you might require at anytime during your trip. When you have all the documents in place, and close at hand, you can keep a close watch on them. Also make photocopies of the same and store them digitally on the Cloud.

Undergo a Medical Check-up prior to departure

Before you leave, it is agood idea to go through a medical check-up to ensure that you are in goodenough health to make the trip. You can find out whether you have any diseaseor ailment that needs some special medication to be used during the trip. Quotes for 2019 medicare advantage are found at

Travel smart

Collect all the necessary details about your flights, itinerary, destination etc and keep a travel guide and travel map close at hand. Travel as light as possible and only pack what you would require during the trip. Avoid all unnecessary items.

Asthma in Seniors: An Overview

Asthma in Seniors: An Overview

When seniors develop a disease like asthma, they’re likely to suffer from issues which might be identical to youngsters or adolescents such as coughing, wheezing, breathing problems, and tightness in the chest region.

Asthma might develop due to respiratory tract infections,heavy workout, air pollution, viruses, or even air pollution. Get quotes for a 2019 medicare advantage plan at

The reason which makes asthma further problematic among senior citizens is that they face an increased risk of major complications than other age groups.

medicare advantage plans 2019

Experts feel that seniors who’re suffering from the symptoms of mild asthma might face equivalent breathing issues to youngsters with severe symptoms of asthma. Also, asthma is one of those chronic issues which might not be completely treated among seniors. More often than not, asthma in seniors might be misinterpreted as a cardiovascular issue. The change in sleep patterns which is common in asthma might also get confused with UTI.

After a successful diagnosis, it becomes important for seniors to take necessary precautions as recommended by their physician. The treatment of asthma in elderly folks might have a number of difficulties. Medicines associated with increased blood pressure or glaucoma like beta blockers might increase the severity of asthma symptoms.

Thus, it is very crucial for seniors to work with their healthcare provider in order to identify what might work best for you & avoid making any changes to the plan. In case you experience any unusual changes in the functioning of your lungs, contact your physician right away.

Medicare and Asthma Treatment for Seniors Above 65:

Medicare does cover the following for patients with asthma:

Oxygen equipment and nebulizers

Out-patient care

Asthma medicines

Vaccines used for the treatment of influenza, hepatitis B, and pneumonia

Counseling for asthmatics who smoke

Note: You’ll still be required to pay the out of pocket costs like deductibles, co-insurance & co-pay. Thus, we highly suggest you consider Medicare supplement plans which can cover these costs for you.

Things which Medicare doesn’t cover:

Personal stuff that might be necessary during your stay in the hospital

Private nursing care

Medicare supplement plan and Medicare medical savings account (MSA)? Pt 2

Medicare supplement plan and Medicare medical savings account (MSA)? Pt 2

Get quotes at for a medicare supplement plan in 2019.

Do not include prescription medications. However, you can enroll in a separate Medicare Part D prescription drug plan to pay for your drugs.

If you choose to leave your MedicareMSA plan, you can do so during the annual election period of October 15 toDecember 7 of every year. You can leave your MSA plan in certain circumstances,such as when you leave the plan’s service area.

Another way to potentially abandon your MSA plan is to enroll in a new Medicare Advantage plan at the end of theyear. 

If you leave the Medicare MSA before the end of the year, you may have to return part of the initial payment to Medicare.

How does supplemental Medicare plan work?

The Medicare supplement, also called Medigap, is offered by private insurance firms to fill in “gaps” in the Medicare program sponsored by the federal government, such as co pays, co insurance and deductibles. Supplementary Medicare plans are designed to work with Medicare Part A and B. As a matter of fact, Medicare supplemental plans do not cover the medical costs associated with a health plan other than Medicare Part A and B, so they do not work for Medicare Advantage plans and Medicare MSA plans.

If you are interested in a Medicare supplement plan, you may want to buy it during the Medigap open enrollment period. This is the  six-month period in which you are age 65 or older and signed up for Medicare Part B. You have a Supplement right from Medicare to a “guarantee issue.”  What this means is that the insurance firm cannot refuse your request due to your health status or charge you a higher premium. Medicare supplemental plans also have a renewal guarantee, which means that, in most cases, you can renew your Medicare supplement plan every year. If you cancel your Medicare supplement plan, you may not be able to receive it back.

Medicare supplemental plans are standardized and most states can have up to 10 plans labeled with alphabet letters(for instance, the Medicare G supplementary policy). Each type of plan covers the same standard services as other plans of the same label, regardless of which insurance company offers them.

Supplementary Medicare plans that sold after 2006 do not contain any prescription drugs.

In addition to paying your Medicare Part B premium, you must pay the premium for your Medicare supplement plan. The cost of Medicare supplemental plans may even vary for the same type of plan. For example, the Medicare Supplement Plan G premium may vary, depending on the company in which you purchase it. Therefore, it may be a good idea to buy the best price for the cover that meets your needs.

If you are enrolling in a Medicare supplement plan and are currently enrolled in the Medicare MSA plan, you can remove the MSA plan, return to Medicare, Part A & B and then request a Medicare supplement plan.