Author Archives: Bruce Parker


  Medicare Advantage plansJust like in any other state, in Oklahoma too you get a government-sponsored health insurance policy for your Medicare Benefits. Instead of getting directly through the government, you can also enrol for the Medicare Advantage plan to get both your Original Medicare (A and B) with some added benefits.

The Original Medicare is made of two parts, A and B. For anyone to qualify for the Medicare plan, one has to be a citizen of the United States or must be a legal permanent resident and also has to be above 65 years of age. So if you’re a retired person looking for medicare insurance, these programs may help you get you to benefit. Certain disabilities or health conditions can also qualify for these benefits.

A Medicare-approved private insurance company can also be one of the options for receiving your Medicare Advantage plan in Oklahoma. If you enroll for the Medicare Advantage program, you get all the benefits (Part A and Part B) of Original Medicare but also some added benefits of prescription drug coverage and vision or dental care.

There are several types of Medicare Advantage plans in Oklahoma; for example, the Health Maintenance Organization (HMO) plans, and Preferred Provider Organization (PPO) plans. However, not every Medicare Advantage plans may be available in your county in Oklahoma. Also, be aware that you need to continue paying your monthly Part B premium along with any premium Medicare Advantage plan may charge. There are different Medicare Advantage plans in Oklahoma like HMO (Health Maintenance Organisation) plans, and PPO (Preferred Provider Organisation).

The retirement plan should address the medical insurance costs and burdens of aging.

The retirement plan should address the medical insurance costs and burdens of aging.

By the time he was 40, he should have saved some money for his future retirement. The problem is that many people forget to protect these retirement funds from the high costs of long term care. The US Department in charge of human services and health care says that if you turn 65, you have a huge chance of requiring some sort of long-term health care service. Medical insurance, Medicare and supplements only pay a small amounts.  of specialized services and only for 100 days. They pay nothing for the custodial services that most people will need as they get older.

While these collection giants are elusive in ACA’s current health coverage environment, they exist nationwide, including Texas. In fact, I’ve assisted of customers leverage on these unrestricted networks just in recent months, with far more reasonable fees than ACA plans. It is imperative to consider network recovery plans when choosing the right health insurance plan for your family, especially for those who do not qualify for a grant (federal income credit granted to those with limited medical insurance resources). It is extremely important to talk to a health insurance professional who has access to these unrestricted collection networks to protect your medical insurance interests.

Often, dental universities with active research wings need subjects where they can experiment with new dental treatment methods and techniques. You can register as a participant in these studies and get free dental care in the process. In exchange for your participation in the program, you may be entitled to a free checkup, sizing or dental extraction.From time to time, various dental hospitals and clinics organize camps in different places across the country. Such oral health camps provide lots of free services that include fillings, dental extractions and polishing. You can wait several hours for your shift, but if you want free dental care services, this is a very convenient option. In particular, if you are looking for a free check-up once a year, date the next free dental camp in your area.

These types of policies do not exist to replace ACA plans, but to offer individuals and families more options for their health care needs. This is great news for millions of Americans who do not qualify for federal health benefits and who cannot really pay premiums for ACA plans. By releasing part of your dollars from this effort, you can return it to the retirement, economy, college, or anything you require. Short-term policies are not ACA-qualified health policies that are not needed to insure pre-existing conditions or some ACA (Obamacare) Essential Health Rewards (EHB) that are insured by ACA-qualified policies.

How to successfully sell Medicare Advantage plans 1

How to successfully sell Medicare Advantage plans 1

Potential vendors call my company each day and tell me their intention of selling Medicare policies. They think the market for senior citizens is where they will make profit and want to start selling immediately. Nine out of ten of these people cannot even leave the first month. I will talk about what they are doing wrongly and how you can avoid accidents that prevented them from taking off. The following information I share about medicare Advantage plans is based on my trial and error when selling Medicare and health plans in the past 14 years. I have also worked with hundreds of agents with a variety of experiences and skills. Here is a summary of how you can start and succeed in Medicare sales.

License for insurance and errors & omissions: Individuals must possess a valid insurance license in the state in which you plan to do business. Many operators will also require you to have an E and O insurance. There are several E and O operators. NAPA generally has a good price, which should be in the range of $500 to $600 a year.Education: A huge mistake that people make is that they attempt to sell Medicare policies without having an understanding of Medicare. You must understand Medicare A and B before feeling safe selling people to supplement Medicare A and B coverage. Find a copy of the book “Medicare and you” and read it a couple of times to begin with. Then interact with an individual who has experience selling plans for at least a few years to get real-life explanations. There are also several online presentations that offer a high-level overview of the original Medicare. Such presentations will also assist you with the basics.

Company Commitments: You must be designated to sell at least 2 different companies that offer complementary Medicare Advantage and Medicare plans in the area where you will work. Over time, it will be useful to be indicated with the majority, if not all, but that would be too much to begin with. Two companies will do this at the beginning. Again, use the Internet to get an idea of ​​which companies are competitive in your area. There are also several wholesale Medicare websites that allow you to make basic comparisons in any zip code. hen obtaining supplies from the company, review the summary of benefits several times. You should be able to recite the main copies and the benefits. Scroll through the applications and learn from beginning to end.

An overview of Catarcts in elderly people – types, triggering factors, and treatment

 An overview of Cataracts in elderly people – types, triggering factors, and treatment

One of the most commonly observed health conditions in elderly individuals is that of cataracts. A trouble with the ophthalmic lens that results in cloudy or blurry vision,  start developing when an individual reaches the age of 40 years, and keeps developing further with aging. Paragraphs underneath shall discuss about some of the key aspects related to cataracts.

What are the different types of Cataracts?

Even if cataract is related to aging, however, the following types of cataracts are also observed in elderly men and women:

  • Secondary Cataract: the secondary cataract develops after surgeries are performed for any other issues with the eye, or due to some other health conditions like diabetes. In addition,  this type of cataract may develop as a result of using steroid.
  • Traumatic Cataract: this type of cataract usually appears as consequences to any injury to the eye, in some cases, even a few years after the injury.
  • Congenital Cataract: in some cases, newborns are born with a cataract. Likewise, there are chances of this type of cataract to develop during the childhood, and these cataracts can develop in both eyes. However, as the size stays small, it would not affect the vision.
  • Radiation Cataract: this type of cataract is observed in elderly people who have a history of exposure to different forms of radiation for years.

Who stands more vulnerable to catch a Cataract?

Though, cataracts are one of the major ophthalmic issues observed in elderly individuals, however the following profiles of  people stands higher chances of catching it:

  • Certain diseases can be a potential factor for the onset or intensification of Cataracts.
  • Elderly people catching any injuries to the eyes can catch Cataracts.
  • Elderly men and women, after undergoing any eye surgery can turn vulnerable for Cataracts.
  • Individuals with history of excessive consumption of alcohol or smoking.
  • People who have a history of constant exposure to UV radiation are more likely to turn into a cataract victim with aging.

What are the ways to treat Cataract?

If detected early, cataracts can be treated with new eyeglasses, anti-glare sunglasses, Bright lighting, as well as with the use of magnifying glasses. In case the cataract has grown substantially, your Eye specialist will suggest for a surgery that will replace the affected lens with an artificial one. Cataract surgeries are safe and are highly effective, if undergone under the aegis of an expert eye surgeon.

The best investment instruments for senior individuals

The best investment instruments for senior individuals

Investment is the only way to secure your financial conditions and win over the challenge of price escalation. Once, you have attained the age of 65 years or more, don’t assume that you can now call if a day for your investments plans. Rather, during this phase in life, investment becomes more significant as it is the only way to make your  lifetime savings to grow so enroll here . What you need is to carefully select the investment option that will feature the  minimum risks, yet, will fetch returns at a significant rate. Here are some worthy options that you may consider.

Savings schemes for senior citizens

One of the safest investment options for elderly citizens is that of the elderly citizens savings schemes. A dedicated scheme to serve the senior citizens, you can yield interest at higher rates, and there are no higher or lower limits for this scheme. These accounts can be  open with any commercial banks as well as at your nearest post office. If you are looking for an investment option with  high flexibility, this is the instrument you should opt for.

Monthly income schemes

Yet another risk free investment option for individuals over the age of 65 years, Monthly income schemes will fetch you a fixed and steady income from your lifetime savings. You can open this account at your nearest post office, and the yield from these schemes is at satisfactory rates.  The best part is that, you can secure your lifetime fund, and still generate some decent monthly cash flows to support your needs.

Bank Fixed deposits

To avail this investment scheme, you will need to make a fixed deposit of a lump sump amount with your banker, and in lieu of that, you can earn monthly returns. Again, there are no minimum and maximum limits for these accounts, and it is the safest investment options. You can withdraw a part of this fixed deposit at any time ,and likewise, you can avail loan against the fixed deposit to finance any exigent cash needs.

Mutual funds

Though this is a bit risky proposal, however, if you can afford to take this risk, this is the domain that can make your portfolio grow at the fastest pace. As en elderly individual, you should look for the options that comes with comparatively lesser risks. With a considerate and careful approach, the risks related to mutual fund investments can be overcomes to a large extent.

When depressed find help as soon as possible


When depressed find help as soon as possible

Depression is a condition that sets in when a seniors looks back and remembers the negative things he/she has been through. On the other hand, he/she might have been disappointed by what he/she has not been able to achieve in life. When they are in that situation, seniors tend to feel like they are helpless, poor and failures of their life. Have you ever felt like you have been through a lot and that you are a failure who will die nothing rather than die a legend? Yes, I believe so but if you have never experienced this, you need to seek psychiatric assistance as soon as you realize that you are slowly drifting towards that road.

Reasons why you need to find help when depressed

When depressed, you need to find help soon enough because the earlier you condition is accessed, the better method of management can be designed. Sometimes, many seniors may struggle with depression on their own thinking that they will manage it on their own. However, such an effort may not work basically because you may not be in full control of it without an external help from a health care professional. If you sense or receive signs and symptoms of depression, then never waste time but seek help from a professional psychiatrist.

Depression is a complex disorder

It may never take just a matter of swallowing suppressants for your depression to go away. In that case, you need someone who will design a customized therapy that will certainly suit your needs. Depression is a complicated issue especially if you are a senior because it requires lots of therapies and not just medications. With that idea in mind, just consider finding help as early as possible because the earlier the better.

You need to find help from you friends and family members

Depression is a condition that you personally may not be in a good position to tell. Seniors normally feel like they are okay and in fact, they may refute the need to seek help from a professional health care practitioner and obtain coverage at Sometimes, you will need to allow your friends and family members to guide you or notify you whenever they suspect or experience some changes in your behavior and in your actions generally. In this way, you will be in a good position to receive help and avoid further damages that comes along with depression.

Mental Health Counseling: Help Your Elderly Benefit

Mental Health Counseling: Help Your Elderly Benefit

It is usually the adult child who realizes that their father, mother or loved one suffers from restlessness, depression, anxiety or a significant change in mood. Now such changes are usually triggered by financial problems, early dementia, the death of a family member or spouse, or changes in mobility and health.

For example, once the problem arises, “Mommy, I think you need some insight,” the noise of braking are almost too high, while older people will deny an issue or think you do not understand.  Your superior’s reaction is understandable. The current major / major population is a generation that has learned to “move on” when life becomes difficult. As a result, it is normal for today’s seniors to try to solve a mood disorder alone.

How to help your superior get help

This “present generation” does not readily or readily accept the need for help, especially when the words “mental health” are used. In its generational language, mental health can also mean “crazy.” Therefore, it is logical that an elderly person who already feels vulnerable is not considered or called to seek mental health care. How do you help your father get help?

  1. Create your own terminology.

Instead of using the term “mental health,” try using words that fit the situation, such as “Mom, let’s get help with your father’s death,” “Let’s see how you can feel better.” or “I think we both need some emotional support,” “I think it’s necessary to talk to a consultant, why do not they accompany me?”

  1. Help your manager get through the system

If you give the phone number of a counseling clinic to your supervisor, chances are you’re not going anywhere. Help your supervisor get through the system. Consult your doctor or local counseling centers to better understand what services are available. Discover the scope of Medicare coverage and your supplemental insurance. If you can find a counseling service at home, consider this option so that your adult does not drive or is embarrassed to visit a psychiatric hospital.

  1. Help your boss to be there

If a counselor offers a consultation or an internal service, if possible, you should go to the clinic to meet with your supervisor. You can also ask your supervisor if you want to attend the first meeting to reduce stress, and you can share your observations with the consultant who requests it.

  1. What happens if strategies 1, 2 and 3 do not work?

If your old man refuses to help you with your mood, he has a choice. If possible, spend a little more time with your supervisor or, if you are not present, interview a friend who sees you every week. Help your seniors find new friends by introducing them to your senior center. Ask the team for ideas to involve your supervisor. If your older child is in a larger community, call the social worker and / or activity director in person and ask them to work with their parents to involve them.

Medicare advantage 2020 Plans for Humana Medicare

Medicare advantage 2020 Plans for Humana Medicare

Humana Health Coverage Firm is headquartered in Louisville, Kentucky. Humana insurance firm is one of the biggest health coverage firms in the United States. It was born in 1961 when began as a home business for nursing. In 1974, this company was renamed “Humana”. It offers health insurance products that include Medicare plans, individual health insurance, and group health insurance

The company has notable financial strength ratings, including the best insurance rating, excellent rating of A.M, Moody’s rating on humans is “Baa3”, while Fitch’s rating is “BBB-“. Now, J. D. Power & Associates distinguishes Humana for its “Satisfying the highest levels of Texas health care business plans.” The Better Business Bureau also awarded Humana an “A +” rating.For persons above 65 years of age, nothing can be more difficult than having to deal with Medicare. If the health insurance of the elderly was as simple as enrolling in the government program, there would be no problem.Unfortunately, the program leaves a legal vacuum that needs to be covered. You’ve probably heard of several health professionals and experts discussing this gap. What they are analyzing is the fact that Medicare does not offer coverage for costs like co-payments and deductibles.

The encouraging information is that private insurance companies offer supplemental Medicare plans. These are plans regulated by the federal government designed to help you cover the additional costs that Medicare does not cover. Medicare supplement insurance offers most people the opportunity to choose the provider they want. There are many people who have had positive moments with an insurer like Humana. The integration system allows them to continue using the services provided by Humana Insurance. If this is your case, you may want to take a look at the additional Humana Medicare plans for 2018: One surprising thing about Humana’s services is that it is very easy to get insurance for the elderly. The fact is that all you have to do is connect to the Internet and follow three simple steps that indicate your place of residence, compare available plans and register to get the right plan for you.

When you review Humana’s plans for Medicare supplemental insurance, you will see that they are the same as those offered by other providers. This does not mean that Humana is a less competitive company. In contrast, under federal law, each insurance company must offer the same supplemental Medicare plans. The difference between providers includes the price they set for the premium and the ease of working with that insurance provider. If you have used Humana’s services, you will know that you have an incredible reputation as the most convenient insurance provider. When comparing the additional Humana Medicare characters, you will understand that there are plans from A to L. Plan A is always the basic plan that offers the most convenient premium. The L plan will offer maximum insurance coverage and therefore an expensive premium.

Quotes for Medicare advantage 2020 Plans on the Internet

Quotes for Medicare advantage 2020 Plans on the Internet

If you have had a buffet lunch before, you will understand easily how Medicare advantage plans 2020s function with this scenario. Conventional Medicare insurance can be likened to the main course, while medicare advantage plans 2020ary plans are extras. Select a health insurance plan that meets your needs and you are likely to learn that it is not a complete program. You should look for additional policies. If you are seeking for medicare advantage plans 2020s, look for those that complement the main course. If you could order baked potatoes, you did not ask for chips with filet mignon.

The Medicare medicare advantage plans 2020s are pretty much the same. You do not need to load the pot, but you need to possess a complete policy in your possession. If you qualify for Medicare, it is likely to depend on a fixed income, which means that you must count every penny. Medicare was never designed to be as a comprehensive plan, so the new policies were developed with the change of medical care and Medicare remained the same. These “medicare advantage plans 2020 plans” can be found in virtually any private insurance company, depending on where you live and your rights.

Medicare medicare advantage plans 2020s help you pay your bills and protect you from growing Medicare deficiencies. To qualify for a medicare advantage plans 2020al health insurance policy, you must have medical sections A and B. Acceptance of the application is guaranteed if you are over 65 and enrolled in health policy B within 6 (six) months after your first time in Policy B. conditions may be suspended in certain circumstances.Each company must have a plan A, but the rest is optional. Firstly, you need to review your choice of free Medicare medicare advantage plans 2020 plans and choose the one that best meets your insurance needs; next, look for the insurance company that offers the best service and the best price for this scheme. Some insurers will offer better prices than others, but taste is more important. A buffet that costs 99 cents is not edible if it has a bad taste. In the same way, a less expensive Medicare medicare advantage plans 2020al policy is not good if quality coverage cannot be achieved.

Think of that as a buffet when it comes to buying Medicare medicare advantage plans 2020 plans. Look for the best accompaniment to the main course you already have and you will have a complete insurance policy in a short space of time. Concentrate on what is right for you, instead of asking others what you need. Try not to enroll in any insurance company until you have established a plan. Some insurers are oriented to sales and require you to do everything possible to become a customer. There is a lot of information about the medicare advantage plans 2020al Medicare plans that you can find, as long as you are willing to invest energy and time.Even the insurer that offers Medicare medicare advantage plans 2020 insurance has to be properly connected in the state in which you reside. Prices must be in accordance with industry standards and it is also essential that the company be financially sound. The customer service history is also a good indicator of how the subcontractors see their connection to the company.

Selecting the Correct Medicare advantage plans 2020

Selecting the Correct Medicare advantage plans 2020

Soon, you will be eligible for Medicare when you reach age 65 and will have to make decisions. If you are not insured by Social Security, the sixty-fifth year of your birth should be the ideal to apply for the initial health insurance (three months before or three months after your birth month). Initial health insurance includes Part A, which is usually free, and Part B (health insurance), which usually charges a monthly fee of $ 100 per person (which will be the case if your income exceeds the pre-set limit). Medicare premium is covered by Medicare Part D, which is needed for the same era, regardless of the preliminary Medicare plan.Meanwhile, Medicare does not provide insurance for all health care costs for retirement. Since many persons will probably be needing more health care as they get older, it is recommended to give Medigap plans, also referred to as “Medicare supplementation plans” a try.

Here are certain vital things you should know about Medigap coverage:

  • These plans are sold by private insurance companies Its purpose is to cover expenses that are not paid by traditional Medicare, including co-payments, deductibles, co-insurance and medical services outside the United States.
  • You can only buy Medigap plans when you enroll in Part A and Part B.
  • When choosing to purchase a Medigap plan, you must do so in the first enrollment period. Begin the first day of the month, you are at least 65 years old and enrolled in Medicare Part B. Thereafter you have a 6-month period to select a Medigap plan, regardless of the period prior to enrollment. Existing conditions Insurance companies must apply a standard rate and cannot refuse due to their illness, as long as they are registered for a period of six months. In addition, your insurance coverage must be renewed every year regardless of your state of health.
  • Medigap plans sold after January 1, 2006 may not cover prescription drugs. If you choose to take prescription drugs, you can enroll in a Medicare (Part D) plan provided by private insurance companies licensed by Medicare.

Private insurers offer Medicare supplements, however, these types of insurance are standardized. All Medigap plans must comply with certain federal and state laws.

You can always select a specific Medigap plan that meets your needs. These plans are labeled by a letter system (plane A, plane B, plane C, etc.). Any insurance company that offers a plan in one of these groups must provide the standard insurance level set for that category.

Normally, the insurance plans offer a co-insurance or co-pay that you need to pay under Medicare. The other benefits are different depending on the kind of plan chosen. Your plan of choice may or may not include:

  • nursing care
  • Palliative care
  • Travel abroad
  • Relief from services otherwise provided by Part A or Part B.

You can choose the type of insurance that best suits your needs. In general, the better the insurance, the greater the reward. If you are looking for a Medicare advantage plans 2020, look for ways to know if you have access to plans that may include hearing aids, long-term care, dental care, or vision care.