Traveling for elderly people- an expense or an investment?

Traveling for elderly people- an expense or an  investment?

These days, the orientation of lifestyle had changed majorly, even if compared with the recent past. Today, a major part of the global tourists are the  elderly people. So, if you are planning for your 2nd or subsequent honeymoon at the age of 65 years, obviously people would not find your idea strange. However, you will finance it from your savings. So, it is important to consider, if spending a significant part of your savings on such plans really have some significant values to offer.

After toiling throughout your active years, you deserve to afford some “luxury”

You have reached the retirement age, toiling for decades to support and nourish your family, while you have been depriving yourself. However, at this age, when your children have been settled and you don’t have that much burden on your shoulders, you can certainly afford for some “luxury”. Each successful trip will bring a relief from stress and enable you to overcome the void that develops around you at this phase of life. After all, savings at this stage of life does not involve the fiscal sides only, rather, it refers to the sweet memories in life as well.

Re-explore yourself and your partner

A second or subsequent honeymoon at the age of 65 years is the right opportunity to explore yourself as well as your partner. After spending so many years together, the relationship needs the right space and explore new things in your partner that will consolidate your bonding with your spouse. It is assumed that a trip enables a couple to find new things in their spouse and overcome the stress in a relationship. This holds true for the couples who have been married for 30 years or more as well. So, nothing can be more impactful than getting medicare advantage plans 2020 for a leisure trip with your spouse.

You can overcome the extent of dependence on others

Another significant achievement from the trip is that, it will motivate you to  reduce your dependency on others. With growing age, men and women tend to be dependent on others. But, when you take up trips, you will gather the confidence that will  keep you active and agile. Hence, for a senior individual, the expenses incurred for traveling is basically an effective investment to enhance the quality of life. Thus, you can definitely consider a travel plan at the age of 65 years and invest a part of your lifetime savings in it.

The 3 key pillars of a happy and pleasant retired life

The 3 key pillars of a happy and pleasant retired life

If the old proverb that, life begins at 40 is to be believed, at 65, you are basically a young man/woman of 25 years. At least, if you aspire to retire happily, this is the way you need to think. Retiring from your job or business is not the end of life, rather, it is actually a new phase in your life, when you will have the time and the chance to enjoy all those that you have sacrificed in the younger ages. Here comes the most important pillars to make life at 65 rocking and enjoyable.

Accept that you have to stop one day or the other

The most important tip to make retirement life enjoyable is to accept it. In the majority instances, after the golden handshake from the job or  retiring from business, elderly people takes it that it is the end of life. This triggers various complexes and troubles on their mental plane. If you at all aspire to make the retired life pleasant, the first and foremost important point is that you have to accept it. There was a time, when your seniors had left the space for you, and now, it is your turn to reciprocate it with your juniors.

Take good care of your health

As you attain the age of 65 years or higher, it is obvious that your auto-immune capacity will not be like what it was earlier. So, you need to be very careful about your general health condition. Take up a healthy diet, give up unhealthy practices like smoking, take up fitness regime on a regular basis, and go for health check Up on a regular basis. These simple measures will keep you healthier, and hence, happier during the retired life. You need to be especially skeptical and careful about the diseases that are likely to spring up during this phase  your lifetime.

Manage your finance wisely and carefully

Unless you are financially secure, you will not be able to enjoy the retired life. Hence, it is important that you manage your finance wisely. Escape any sort of high risk investments, minimize the unproductive expenses to the extent possible, and keep on savings on a regular basis. These simple steps will enable you to overcome the boredom and stress that usually comes up during the retired life and to get 2019 Medicare Supplement Plans here, and thus, you can restore back happiness in the course of life.

Winter season? Tips for seniors to stay warm in the cold weather

Winter season? Tips for seniors to stay warm in the cold weather

It is necessary to prepare for the winter season before its arrival. This is because as the air is cold, the elderly ones are at more risk of developing health complications and injuries. Just being in a very cold environment can lead to hypothermia. Hypothermia is when the body temperature is very low and can cause health problems such as renal disorder, hepatic issues and heart attack. As we advance in age, our body’s ability to regulate the internal body temperature can decrease. Hence, it is necessary to take care of the seniors during the extreme weather. Here are some tips to help keep you warm during the cold season:

  • Keep a warm home

Don’t let the increasing heat bills hinder you from keeping yourself warm at home. A poorly insulated home and one with temperature less than 68 degree can pose a risk to the health of the seniors so you may need 2019 medicare advantage plans to cover care costs. Prepare your home by having the fireplace and furnace checked. Inspect your windows, doors and walls to make sure there are no cracks. If there are, then have them sealed to avoid heat wastage. This would also reduce energy costs. Set your thermostat to at least 68-70 degree Fahrenheit.

  • Thicken your clothing

If you are going out of the house, make sure you are properly dressed for the cold. Wearing thick clothing or more layers of clothing is essential. Do not forget your warm coat, gloves, scarf or head warmer, hat and socks. Make sure your upper and lower extremities are covered. When indoors or before bedtime, wear your pajamas and cover up with a blanket.

  • Don’t chow on cold food

It is important to feed well in the cold season to ensure your body gets adequate nutrient to maintain a healthy immune system. The elderly ones especially, need a balanced diet.  However, it is better you restrict it to warm food to avoid incurring other health problems. Food like warm soup, stew  and chili would be perfect to induce warmth. You can also go for healthy fat diets to boost metabolism. Keep hydrated but avoid the temptation of taking drinks that are directly from the fridge.

  • Cut down on alcohol intake

Drinks that are alcoholic can make one lose body heat and should be avoided.

  • Get more exercise

Exercising regularly keeps your body fit and helps maintain a healthy immune system. A healthy immune system in turn could help prevent flu in the cold weather. Local recreation centers or senior centers are good options of places where you can go to shake off the cold. You should however take care not to expose yourself to the cold while at it.

  • Prepare your vehicle

If you drive, make sure your vehicle is ready for the incoming nasty weather. Have your tires and windshield wiper blades checked out. You make sure to top up fluids and install winter tires. Replace things that need to be replaced and make the necessary repairing.

Prepare for What Medicare Does Not Cover

Prepare for What Medicare Does Not Cover

Are you knowledgeable about of what Medicare does not cover?

Millions of elderly Americans and people with disabilities depend on Medicare for their health insurance in the United States. This large government program helps these people pay for health services, but does not offer 100% coverage. There are some services that can be covered, but not one hundred percent. Even if you have United Healthcare Medicare Advantage 2019 , you still have to pay part of the cost of your health services. It is important that you learn about its advantages so that you know what is covered and what is not. Consider some general health needs that are not covered by the basic benefits of Medicare.

Long-term care:

The basic program limits the level of care it covers. You can limit yourself to a certain number of days of normal costs of care. If you need regular care, whether it’s assisted living, a nursing home, adult day care or help at home, you can take advantage of relying on Medicare coverage. This is probably also true if you have an advantage or a supplemental plan.

Another type of health insurance that must cover this type of care is insurance of long-term care. Otherwise, Medicaid may substitute the Qualified Beneficiaries tab. There are also other ways to plan these expenses. By the way, if you are looking for pension insurance, be sure you understand the difference between Medicare and Medicaid. Medicaid is a health insurance program for people with few assets and low incomes.

Medical travel costs:

The basic program hardly paid for health services outside the United States. If you want to travel to another country, you can not count on Medicare benefits. Some supplements may extend this coverage or you may purchase an additional health insurance plan to travel. If you are traveling outside the US, it is a good idea to look for these plans.  This may seem surprising, but, as you can imagine, there are several reasons for this limitation. Some of them can be political, others can be financial.

Vision, dentistry and hearing:

The elderly and people with disabilities need vision, dental and hearing aids, however Medicare offers very limited coverage for these services. You can not trust your benefits to help you pay for the ophthalmologist, dentist or hearing healthcare professional. These are health needs, but beneficiaries need to find alternative ways to finance these services most of the time. You can pay for these services out of pocket. You can also choose to purchase additional coverage from a private insurer. There are also materials available to help low-income people get the services they need.

Why worry about things not covered by Medicare?

Understanding what your services are helping and what you are not going to pay is imperative. This will help you prepare for a safe and comfortable retirement period. You may have to reserve more money for these expenses, or you may decide to buy a private coverage. The right approach really depends on your own individual circumstance.

Cognitive and mental health tips for seniors

Cognitive and mental health tips for seniors

Are you aware that 20% of adults aged 55 years and above have experienced some sort of mental health issue but yet a good number of them do not receive treatment? As the age changes, so does the brain and so does mental function change with it. Mental decline and cognitive impairment are one of the scariest consequences of aging and most times are inevitable. A marked decline in mental abilities could be as a result of factors like prescribed medications or certain diseases like Alzheimer’s disease.

Effects of age on the brain could include;

  • Neurones that experience cell death are not replaced; hence the brain gets smaller with age.
  • Fats and some other deposits gets accumulated within the cells of the brain thus, hindering proper functioning of the brain.
  • Messages are relayed between neurones at slower speed than when younger.

Conditions that can damage brain function

A good number of conditions common to old age can affect brain functionality. These conditions include;

  • Stroke
  • Parkinson’s disease
  • Cardiovascular disease
  • Atherosclerosis
  • Diabetes mellitus
  • Dehydration

Tips to improve the mental and cognitive health

The statistics on mental illness and cognitive impairment is not trifling but it’s not one that cannot be managed with the right knowledge and appropriate vigilance.

  • Connect with friends and loved ones

Time, age and distance factor may make it difficult for the aged to keep close contact with old friends but staying connected can help keep away loneliness and feelings of isolation. It can also help do away with depression as well as decline in mental and physical function.

  • Continue with an old hobby or pick a new one

It is important for the seniors to maintain a routine. Boredom could set in after retirement if not replaced with a fun hobby. You could go for gardening, painting, sewing, cooking or even knitting! As a senior, you might also find fulfilment in volunteering for a cause.

  • Eat healthy

A healthy diet proves to help reduce the risk of chronic diseases and help keep the brain healthy. The diet for a senior should consist of fruits and vegetables, low-fat dairy products, less salt, whole grains, lean meats, poultry and fish.

  • Be physically and mentally active

Through regular exercise, household activities, running little errands, you improve your strength and energy. You can engage your mind intellectually by learning new skills, joining a volunteer service, playing certain games etc. these would help keep your mind active.

  • Take care of your general well being

Take care of your physical health by obtaining AARP medicare advantage plans 2019 from chronic health issues you have, going for health screenings especially the ones recommended by your physician, limit the use of alcohol and cigarettes, always consult with your healthcare provider and ensure you get enough sleep.

Senior tips for long haul flights

 Senior tips for long haul flights

Travelling around the world going into trips has no age limits and when you talk about senior travelers they usually prefer to go to tours and enjoy their life to the fullest. Enroll in 2019 medicare advantage plans so you can enjoy your trips so visit They want to go and visit their favorite places. And for that they need to take some tips and be careful about how you plan to take the trip. Here are some tips on travel for seniors for long haul flights.

  1. Plan well and carefully (Travel for seniors)

Planning early is very necessary if you are going for a trip. The more you prepare before the more time you will get to think. Try to speak to as many travel agents as you can coz they will help you in planning your trip, they can help you in better accommodation and will give you a good fitness tips that you need for the tour.

  • Choose the best airline

Pick up the airline in which you want to travel very carefully because for a long haul fight you need to have all facilities, you do not want to end up having poor services in and out. Senior travelers do not want that poor accommodation that can be very tiring. So choose the airline carefully for your travel.

  • Keeping yourself hydrated

Long hauling fights are very tiring and low humidity happens to cause dehydration mostly in senior travelers. So if you want to keep you body hydrated drink water it will help you to remain hydrated and an advice for seniors is that they should keep at least a water bottle with them, it will be better if you keep 2 or more with you. “Travel for seniors” And avoid using alcohol and caffeine they dehydrate you faster. Another advice for senior travelers is that if they have any kind of skin problem bring moisturizers for your hands and face to keep their skin good.

  • Keep yourself active during fight

A best advice for senior travelers for long hauling flights is that, always keep yourself active and do not stay still for a long time it will stop your blood flow to your legs and its dangerous. Those who have heart diseases and circulatory problems should do some arm, leg and foot exercises on board to keep their blood flow normal.

  • Keep prescribed medication in your carry-on (Travel for seniors)

If you have any health issues and you are on a medication take the medicines with you. In any case you will need them, better stay prepared for the worse. It will be better for you to do a checkup before going out for tour. It is better to go for a tour with better care. So these are some travel for senior tips for a long haul fights I am sure it will help you. Try to take good care of yourself during a flight.

Which Medigap Insurance Coverage Is The Best For You?

Which Medigap Insurance Coverage Is The Best For You?

Medigap is an additional health insurance that is offered by a private company to pay for health care costs not insured by Original Medicare, such as deductibles, co-payments, and health care for travel outside the U.S. You are eligible for Medicare if you are 65 years old and above, but this does not mean that you are protected and sure if something unhealthy happens to you. Many senior citizens make this mistake and they pay dearly for the long-term price. Although Medicare is definitely an advantage for you, you will probably need insurance or additional Medicare coverage to supplement it.

Medicare supports almost all of your basic health care needs, even if you cannot just maximize or move at some point, you can leave any margin in the plan if it is not insured. That’s why you may want to create an extra insurance plan when you turn 65. This type of plan works just like your traditional health insurance, unlike all health care costs before they are sent to the federal government. Medicare chooses what to do, and then sends it to your Medicare supplemental insurance and, hopefully, will provide the rest. If you are not registered for this type of insurance, you may need to pay for what Medicare does not provide. This type of plan covers the additional cost of regular health checks, but it can also be done so that you undergo intensive surgery or are trapped in the hospital. It is not insurance for long-term care, as the processing time of each admission has a limit.

Buying this type of insurance is probably the most complicated, primarily because the company you receive can choose the healthcare companies where you can go. In other words, if you want to have access to a clinic or even a doctor, you need to make sure that the insurance plan is approved by them. Therefore, if you are searching for Medicare supplemental insurance for 2020 it is a good idea to speak with a rep at your family doctor if you have one to determine what insurance is accepted by the latter. This is why there is no need to change health care, which most people do not like to do when they turn 65 years.

There are many ways to take out additional insurance and Medicare if you had purchased health insurance before your 65th birthday, we recommend continuing with the same insurance company without changing them frequently. On the other hand, if you do not have insurance, you may need to consult some of the most known health insurance agents or talk to your doctor about what you would probably be. There are also valuable resources on the Internet that can help you choose the most suitable for your medical needs agency. Just like when selecting a car insurance, you can change your insurance plan, for example, by maximizing your deductible to reduce your monthly premium in case you want to get the best plan for the least amount.

Invest only after consulting and thinking things over and over again

Invest only after consulting and thinking things over and over again

Sometimes seniors who are about to invest will come up with business investment ideas and with those predetermined ideas, they might receive their retirement finances and invest without thinking if whatever they are about to do will get them to where they have always wanted to be as retired investors. With that idea in mind, it is important to think and think again before making a decision to invest. Sometimes, it is good not to hasten things but instead, you need to make sure that even before you invest your money, you are able to access whether such a business will bring you the success you have always wanted for your retirement. Find 2020 supplement plan quotes at

Benefits of consulting and thinking over things before investing

Firstly, it gives you enough time to decide whether to invest or not. There are those times when you may need to think before you invest. Thinking before doing anything is very important basically because it makes you make informed decisions. With that idea in mind, do consider sitting down and thinking about whether whatever you are about to do is the right thing. With that idea in mind, never rush things and invest your retirement finances blindly. Secondly, it gives you time to consult. Taking time before you invest gives you enough time to consult. There are those professionals who are always ready to give you advices at any given time. They might advise you not to invest during a particular time but advise you to invest at a certain time. It is very crucial to follow their advices and make sure that you follow what they say and you need to wait for the right time.

Thirdly, taking your time to invest is very crucial as it gives you time to consolidate your finances. Your retirement finances could be fragmented in various accounts and you need to make sure that you consolidate your finances, budget for them and decide on the proportion you would like to invest. It is therefore very important not to rush things basically because it might lead you into financial problems. Seniors should prepare and think things over for at least one year after their retirements. It is very crucial to take your time so that you may accrue the best out of your investment. Rushing things may not take you anywhere and that is something that would waste your time and resources.

Supplementary Medicare Plans of Aetna

Supplementary Medicare Plans of Aetna

Aetna Medicare offers several ways to meet the health care needs of people who qualify for Medicare plan. Insurance plans for medicines, 2020 Medicare Advantage plan comparisons located at and additional assistance are available from Aetna. Now, prescription drug plans are independent plans which can be added to Part A and Part B insurance. Advantage plans offer the same guarantee as traditional plans with additional benefits. Additional plans fill the loop holes left by part A and part B. Three medication drugs are offered by Aetna Medicare. The 3 plans offers predictable cost sharing, an extensive network of pharmacies across the country, reduced coverage for most Part D medications, protection from unexpected changes to your needs, prescription savings and a sort order by mail.

The Rx Essential plan provides all of these basic insurance elements. The Rx Plus plan offers advanced bases and benefits, which do not include generic and branded and insurance franchises. The RX Premier plan offers all important insurance coverage and the plus policy with extra benefits, for instance, generic prescription medication in unlimited space. Aetna Medicare Advantage plans are formulated to offer insurance for conventional Medicare A and B plans, and also additional value benefits.

Aetna provides 4 types of advantage plans.

The HMO (Health Maintenance Organization) plan allows access to a national network of doctors, predictable costs, $0 co-insurance for further preventive care and more. The Preferred Provider Organization (PPO) plan offers the advantages of an HMO with the possibility to choose between network providers for an additional cost.

The PFFS plan does not have a network of service providers. You are free to choose the hospital and the doctor you wish to consult. Furthermore, there are special needs plans to adapt the insurance to the individual circumstances of each individual. For supplementary insurance or Medigap, Aetna Medicare offers plans A, B and F. These plans provide coverage for expenses that are not covered by Medicare parts A and B. Some of these expenses include co-insurance, deductibles, emergency assistance for travel abroad, in patient or health care costs in addition to those provided by a traditional police force, as well as the first 3 liters of blood each year. It is important to note that not all additional plans are regulated by federal and state governments to protect consumers. Not all plans are available in all states.

Do not forget that prices can vary from one insurance company to another. But if one recognizes one’s own ideas as indicated above, it becomes easy to detect the enormous disparity between overly expensive insurance providers and those offering economic prices. This is another reason why it is really important to look around. Even if you prefer to get a good deal on funds, you can invest some time to explore other options. Each Medicare Supplement insurance cover, standardized and in letters, provides the same basic benefits, regardless of the insurance company that sells them. But the premiums applied to each plan may differ depending on the insurance firm.