Is a Medicare Supplement Plan F Not Your Best Choice?

Mеdісаrе Suррlеmеnt Plаn F is thе mоѕt popular рlаn аvаіlаblе, but іѕ it thе bеѕt choice for you? Mаnу аgеntѕ оftеn rесоmmеnd this оnlу due tо its рорulаrіtу; hоwеvеr Medicare ѕuррlеmеnt consultants will dіg mоrе into уоur ѕіtuаtіоn and mау bе аblе to offer plans that аrе mоrе tailored to your needs. We will еxаmіnе оnе соmmоn іnѕtаnсе where other plans mау offer a better ѕоlutіоn to your Medicare supplement nееdѕ thаn Plаn F оffеrѕ.

What dоеѕ Plаn F Cover аnd Whу Chооѕе It

This оffеrѕ thе mоѕt соmрrеhеnѕіvе соvеrаgе of all the рlаnѕ аvаіlаblе. It соvеrѕ your Medicare A coinsurance аnd Pаrt B dеduсtіblе, Part B coinsurance, Pаrt B excess сhаrgеѕ, Hоѕрісе Cаrе Coinsurance, and Skіllеd саrе nursing Fасіlіtу саrе coinsurance, аnd Foreign travel emergency care. But іѕ all thіѕ coverage necessary based оn уоur lіfеѕtуlе as a ѕеnіоr? Also, Plan F is аn еаѕу rесоmmеndаtіоn fоr аn аgеnt whо dоеѕ nоt ѕресіаlіzе іn finding thе bеѕt Medicare solution fоr thеіr сlіеntѕ. These agents may nоt understand thе іnѕ аnd оutѕ of whаt еасh Plаn offers. Bеіng on a fіxеd income, mаnу ѕеnіоrѕ may nоt bе bеѕt ѕеrvісеd wіth the mоѕt рорulаr рlаn.  Introducing Plan G  at

When соmраrіng G tо F, уоu find thаt thе оnlу dіffеrеnсе іѕ thе coverage of thе Part B dеduсtіblе. Fоr the раrt B bу аnаlуzіng уоur tоtаl out оf росkеt costs for both рlаnѕ, соnѕultаntѕ оftеn fіnd Plаn F’s tоtаl оut of росkеt соѕtѕ are more than Plаn G’ѕ tоtаl оut of pocket соѕt (іnсludіng your Pаrt B deductible). In some саѕеѕ, the price dіffеrеnсе іѕ ѕіgnіfісаnt. Another соnсеrn whеn lооkіng at Plаn G is a cash flow іѕѕuе. If you gо wіth рlаn G, you wіll hаvе tо meet уоur Pаrt B dеduсtіblе at thе beginning оf thе year. Fоr seniors whо dо not go tо thе dосtоr оftеn, thіѕ ѕаvіngѕ may bе еvеn greater wіthоut hаvіng tо ѕреnd thе hіgh dеduсtіblе for Pаrt B. Bу looking at a саѕh flоw analysis fоr a ѕеnіоr’ѕ financial ѕіtuаtіоn, a Medicare ѕuррlеmеnt соnѕultаnt саn dеtеrmіnе whether Plаn F оr Plаn G mаkеѕ mоrе оvеrаll есоnоmіс sense.

Understanding Assets

Many people don’t grasp the importance of fully understanding what assets are and what they can do for you. Assets are not just things you want to accumulate throughout the early parts of your life, they are important to have during retirement as well so that they can continue to make you money long after you stop working. Most forms of insurance, such as Medicare supplement plans, are not considered assets. Assets must have some form of immediate value that you can realize from them. This doesn’t necessarily mean they have to be physical in nature, there are both tangible and intangible assets. As long as it is something you could sell, or liquidate, for some value, is in an asset. In that respect, assets could actually be considered a form of insurance. If you lose your job or are short on money, you can sell an asset for money.

Tangible assets are fairly easy to identify. Cash is the most obvious tangible asset, but things like buildings, land, equipment, or machinery are also tangible assets. Many times you can even use these assets to create even more value for you above the actual value of the asset itself. For example, having a tractor means you can sell that tractor for its value, but you can also use that tractor to farm your land or help in the construction of buildings, earning you even more money. Without the asset, you would be hard pressed to make the same money as you can with it, and you may even end up spending money if you have to pay someone else with the asset to do it for you.  Enroll in a 2020 supplement plan at

Intangible assets are more difficult to spot. These are licenses, copyrights, trademarks, patents, and other intellectual property that you own. Despite not being physical in nature, in many cases they can be even more valuable than tangible assets. For instance, intangible assets are not subject to wear and tear like some tangible assets are, such as buildings and vehicles. You can not overuse intangible assets. In fact, because they are not physical in nature, you can allow use of them to many people at the same time and make money off of the very same asset from various different people. You wouldn’t be able to loan out your tractor to 5 people to use at the same time, but you can certainly license out your patent to as many people as you like all at the same time.

How to Deal With Losing Your Spouse As A Senior

We have all probably at this point in our lives have dealt with losing someone that we love or someone that is close to us in our life, whether that is a family member or even a friend it can be very hard on our mental health. What usually is very hard for people to deal with the lose of their spouse. The older you get the harder it seems it get since the longer time goes on the longer you have spent your life with that person. A lot of times when someone who is elderly and their spouse dies they tend to pass away a few months to a few years later. It’s very hard to spend everyday with somebody you love for thirty plus years of your life for them to just pass away so sudden. While it can be very hard to deal with and it may feel almost impossible to move on it is very possible to do so. This is how moving on and keep going can be easier with these tips.

Enroll in a 2020 supplement plan here

The first thing that you need to remember is that your spouse would want you to move on with your life and not to focus on their death for the rest of the life that you still have. They loved you and cared about you and they wouldn’t want you to feel miserable and sad for the rest of your life. The wanted the best for you and the best for you isn’t to focus on their death for the rest of your days. While you might feel guilty for wanting to move on with you you really shouldn’t feel that way, There is nothing wrong with not wanting to feel sad and alone for the rest of your life. As long as you feel ready to, it’s okay to let that person go and while of course there is nothing wrong with thinking about them in a happy positive way and thinking about all the happy times you had together you shouldn’t be sad everyday thinking about how awful you feel now that they are gone. Try to move on the best you can.

Find something that you enjoy to do in your freetime to get your mind off of this terrible feeling. Do the things that you love to do as much as you can or pick up a new hobby that you always wanted to try. Take a cooking class or maybe and art class, whatever seems the most fun to do is what you should do. Just try to put your mind on something else besides thinking about them all the time. The more you get your mind off of them the better you will probably feel.

Extra Income Ideas


It’s never too late to start making money, and once you have reached retirement it’s even more important to ensure you have a steady stream of income to keep you living comfortably. Here are some fun and exciting ways to make some extra money during retirement.


First of all, you should make sure you are up to date with all of your insurance policies, including your Medicare supplement plans, so that there are no gaps to fill with any of this extra money you will have coming in. Once that has been done, there are plenty of great money making plans to consider.


If you have a car, you might not have even realized there are great ways to use it to make money. If you enjoy driving around town, sign up to be an Uber or Lyft driver. You can make your own hours and get paid only for working when you want to. All you have to do is drive around town and pick people up who request a ride through the app and drop them off at the location they want to go to. It’s simple and easy to do. You can also use your car to rent out ad space. If you’ve ever seen cars or vans with large logos and designs as their exterior paint jobs, chances are they are renting out the space on their car for companies to advertise on. If you already enjoy driving around, this is the perfect way to make money without even having to do any extra work for it.

 Get a medicare supplement plan for 2019  here

Another way to make money by doing something you love without having to do any extra work is by becoming a mystery shopper. Many stores hire secret shoppers to go to their store and buy their products or services and then report their experiences back to the companies for them to use to better their customers’ experiences. If you love to shop already, why not get paid to do it?


Aside from secretly shopping for companies, you can also get paid by companies to test out their websites and reporting back about your user experience. Or you can be a tester and try new products companies are thinking of launching and telling them how you liked or didn’t like it. These are almost like traditional focus groups that you might be familiar with, except these days you don’t even have to leave your home to do it. You can do everything online and right from the comfort of your own home.

A Few Important Facts about Medicare Advantage Plans

Medicare is actually of two types: – Original Medicare and Medicare Advantage. Original Medicare is run by the federal government and is of Part A (which provides hospital insurance) and Part B medicines (which provides medical insurance). Medicare Advantage is run by private health insurance companies that contract with the government and are of Part C medicines.

All of us wants to live in this world so we go to the best doctors and hospital to get yourself checked. Personally, can say from my bitter-sweet experience that hospital bills can get you any time but anyone can get through there hurdle of a big medical bill if the person has a medical plan.

A medical plan is what we call a medical insurance. In today’s world, it is easy to get a medical insurance as they are readily available and have many standards some medical plans are so cheap they literally come at 1 dollar down payment.


Advantage plan does not replace Original Medicare but works like Original Medicare coverage. It’s more like an extra you can add on top of Original Medicare. It gives extra apart from Part A and Part B coverage.

What is Medicare?

Medicare is generally of two types one is original Medicare which is your actual medical plan which is the main framework, the other is your medicare advantage which is generally Medicare Advantage plans. These plans help you to pay your medical bills out of your own pocket.

There are many medical plans in (Medicare advantage plans) Medigap they range from a ton you already know about the plan A and bit is generally hospital bills and medical bills respectively.

Now let’s talk about the other plans briefly

Medigap plans pay 100% of covered expenses after Original Medicare pays its share.

The Costs include: –

  • Coinsurance of a person.
  • After completing your Medicare-covered days your hospital cost will increase.
  • When you have completed your Medicare-covered days you must bare a huge amount of money for skilled nursing.

Insurance Plan does not get Medigap

Some types of insurance that are not Medigap:

  • Medicare Prescription Drug Plans.
  • Long Term Care Insurance Policy.
  • Vision or Dental Care.
  • Hearing Aids.
  • Eye Glasses, etc.

All about Medigap Plans

Standard plans are labeled A to N and offer different levels of health coverage. Although plans E, H, I, and J are no longer available to new subscribers. Plan N is most widely used.

Thank you, hope this information was helpful.

The Medical Costs Can Be Too High—Take These Helps!


There are few things that are more than important to the human body. And one of the most important things definitely is the health that is well taken care of. There is absolutely no doubt in the fact that you can get through with the best results for yourself only if you take proper measures in order to maintain your health.

There are various things that you can do for the same. Unfortunately you can never a sure that you will always be physically alright. Any disease can take over you or you may get through with any accident at any point of time.

And these can happen even if you take the most proper care of your health. So what can you do in these scenarios? Of course you will take medication and go to the doctors. But medicine field is really an expensive one.

And only proper help like Medicare Supplement plans can really come to great help. There are various helps that you can look forward to. Let us list them down for you.

The various financial help for your treatment:

Following is the list of the most essential financial help that you can look forward to:

  • Extensive savings:

There is completely no doubt in the fact that extensive savings is really important for you in many ways. Of course one must absolutely understand that with the help of extensive savings they can manage to get through with their treatment properly.

This is one reason why people must take care of their savings in a plant and a proper manner. Also one must understand that they can take help of companies that offers them help with savings.

The Medicare Supplement plans are the very best that you can look forward to no matter what. You must absolutely understand that getting through with the Medicare supplement plants can be great for you.

These plans will support your medical insurance is in many ways. Of course you can absolutely make sure that these plans will cover up many things for you that your medical insurance is will not cover.

  • Medical insurance:

The medical insurances are really necessary for you when it comes to taking care of the cost of the expenses of medical treatments. You must absolutely understand the necessity of the same in various situations. Just in case you think that these are not enough for you then you can very easily apply for good Medicare Supplement plans as well.

These are some of the best things that you can look forward to under any scenario when it comes to taking care of your medical costs.

Pros and cons of a Medicare Supplement Plan

The United Healthcare Medicare Supplement plans are also called the Medicare part c. These plans are an alternative method to receive your Original Medicare (Part A and Part B) with additional benefits at  same time. Although the private insurance companies manage these plan but the government has bound plan providers to offer everything in their plan which is offered by the Original Medicare in form of Medicare Part A and Part B. However, the health insurance Supplement plans are short of the hospice care and that is due to hospice care coverage by the Medicare Part A. The health insurance Supplement plans gave gained popularity because along with the Original Medicare they also provide the additional benefits such as prescription drug coverage, routine dental and vision coverage as well.

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As we have already discussed that private insurers regulate health insurance Supplement plans, therefore, their terms and conditions can change due to which following things arise:

  • structure of every health insurance Supplement plan depends on private insurer only, due to which insurer might want high-out-of-pocket costs than those in Original Medicare.
  • Premiums, copays, and coinsurances of a plan can vary every year.
  • Some private insurance companies place strict restrictions on getting some certain services such as need of a referral to see a particular specialist due to which members are forced to change their doctor or hospital or otherwise they have to face high costs.
  • Private insurance companies make yearly contracts with Original Medicare for their plans, and they have to renew their plans, and it is their choice not to renew plan for a particular year.


  • There are some of plans which offer as low as $0 as premiums. However, amount of premium can vary on basis of your country and state. However, there is one kind of premium which is fixed and that is Part B premium all members have to pay that no matter what.
  • Original Medicare offers coverage for health insurance Part A and Part B, however, health insurance Supplement plans not only provide coverage for health insurance Parts A and B but also includes additional benefits such as fitness programs like gym memberships for healthy members and also vision, hearing, or dental checkup.
  • There is also a limit on maximum out-of-pocket costs for each plan, and enrollee can spend up to that mark, but plan provider provides coverage for any medical service above than that.

Tips to help you select a Medicare coverage plan

If you have Medicare but you’re yet to select a Humana Medicare Supplements plan or prescription drug plan, then here are some simple steps that’ll help you make the best decision.

Tips to consider before selecting a coverage plan

  1. Review your current plan or get a new one at

Evaluate how much you’ve spent on health care so far, including doctor bills, prescription, and hospital expenses. Once you have an idea of your expenses, you’ll be able to determine if your financial and medical needs.

  1. Know the available option

There are several Supplements plans to choose from. They include:

  • Original Medicare – This provides basic coverage for medical expenses. However, it doesn’t cover most prescriptions. It also includes cost sharing in the form of coinsurance and deductibles. This is Part A and B.
  • Medicare Supplements – This includes all expenses covered under Part A and B administered through a private insurer such as Humana. It may include additional benefits such as hearing, dental, vision, fitness program, a nurse advice line, and a prescription drug coverage. This is Part C. MA plans have been gaining popularity in the last few years and now accounts for nearly a third of Medicare beneficiaries.
  • Prescription Drug Plans – This provides coverage for prescription medicines. It can also be added to Original Medicare, Medigap (Medicare Supplement) or any other MA plans that do not cover prescription coverage. This is known as Part D.
  • Supplement Plans – This pays for some of the cost not covered by Original Medicare. These plans do not have a specific provider network. In addition, joining a supplement plan isn’t limited to the Annual enrollment period.
  1. Compare Ships

Once you’ve picked out the type of plan that is best for your needs, the next thing you want to do is research the benefits, costs, as well as the hospitals/doctors associated with each plan. Check to see if your doctor and hospital is included in your preferred option.

  1. Considers added benefits

Certain Supplements plans come with added benefits like exercise classes and fitness programs designed specifically for people using Medicare. Other plans come with benefits like dental, hearing, and vision. Figure out which of these benefits you need most and will contribute most to your overall wellness.


If you are going to change your plan, you should know that any plan you select would be your plan for a whole calendar year, barring certain exceptions. So make sure you carry out proper research before making any decision.


Medicare Advantage Plans, go through the overview

Medicare Advantage plans are lucrative as it announces offering a Zero premium insurance plan, but there are snags also coming with this policy that demands you to pay more from your pocket.  Here is the description in points to have a clear overview of Medicare Advantage Plans:


  • The care costs more than it may with the Traditional Medicare and this is high if the patient has some critical medical problem.
  • The private plans may cease coverage suddenly as they are not stable financially. This happened in 2014 in Florida, as a well known MA plan was declared insolvent and people had to cancel their appointments that they had with doctors.
  • Seeking urgent or emergency care with Medicare Advantage plans for 2019 found at is very difficult owing to rationing. These plans cover certain doctors, breaking the care continuity.
  • Members must follow as per the rules of the plan if they need coverage.
  • Choosing hospitals, doctors and health care providers have restrictions and this is another rationing form that the insurance company profits are up, while patients have limited choice.
  • With MA plans, getting care when you are not at home is very difficult.
  • The benefits offered as extra may turn not very pleasing, in fact less than promised.
  • Plans including Part D coverage for Prescription drug may also notice high-cost medications are rationed.


Return to Traditional Medicare


  • medicare advantage plans 2019With Medicare Advantage, you can save money, if you are always healthy. In case you become sick, you are stuck with costs making you to switch plans for Medicare in the open season. At such times, it is best to return to Traditional Medicare with the Medigap. Of course, the Medigap may charge higher rate if you are Medigap enrolled initially, when you were eligible for Medicare
  • Medigap policies in general are age rated and it means you sign up later means you pay more per month, if you do not enroll at 65 years.


Wrapping up

Shop carefully, especially while considering Medicare Advantage plans. It is a must to read all the fine prints, whatever insurance policy you buy. Get deductibles and co-pays before choosing and ensure your doctors accept plans and medications wrapping the prescription drug Part D. in case the plan fails to cover your physicians, ensure the doctors take new patients under this plan coverage. This is essential so that you receive the coverage rightly.