Medigap Plan F and Plan C To Be Closed For Enrollment After 2020

There are a number of questions surrounding Medicare, Medicare Advantage, and Medicare Supplemental Insurance Plans. One thing that we do know is that the federal government has decided that in the year 2020, Medigap Plan F and Plan C will no longer be available to new participants. Medicare Supplement Insurance Plan enrollees that are currently enrolled in either Plan F or Plan C will be allowed continue coverage under these two plans.

With these changes fast approaching it is critical that seniors turning 65 and enrolling in Medicare or if they are looking to switch Medigap plans within the next few years they must diligently scrutinize all insurance possibilities before two options are no longer available.

It has never been easy to choose a Medigap plan. With ten different options to cover the gaps found in Original Medicare, which consists of Medicare Plan and Plan B, there is a lot to consider. Many participants have leaned towards Medigap Plan F, as it covers the most medical costs but without this option in 2020 participants will have more to consider. Medigap Plan F does not pay dental, vision, or medicine however with premiums paid monthly, participants shouldn’t have to put any money out of pocket for doctors, tests, or hospitals. Even medical coverage overseas is partially covered with Medigap Plan F.

The federal government has decided to close out enrollment to popular Medigap Plan F and Plan C to help reduce spending on Medicare. This decision was made in 2015 by Congress. Even though Medigap plans are purchased through private insurance companies they are regulated by the federal government and Original Medicare, Part A and Part B, are provided through the federal government. Congress estimates that shutting down enrollment into Medigap Plans F and Plan C will reduce Medicare spending by about four hundred million dollars between 2020 and 2025.

Even though Medicare enrollees previously enrolled in Medigap Plan F and Plan C will still be allowed to continue coverage in these plans speculation is that the premiums for these plans will rise. An alternative to Medigap Plan F is Medigap Plan G. Medicare Supplemental Insurance Plan G offers comprehensive coverage equivalent to Medigap Plan F but requires participants to pay an annual deductible for Medicare.

It is important before committing to or switching to a different Medigap plan that you truly look into the options available. Even if you are enrolled in Plan F and you switch out of it, you will no longer be able to enroll in this coverage after it is shut down to new enrollment in 2020.

Learn more about Medicare Supplemental Insurance plans, rates and more at http://www.emedicare-supplemental-insurance.com. Medicare Supplemental Insurance brokers will help you compare Medicare Supplemental Insurance rates and plans. To talk to an expert in Medicare coverage toll free 877-202-9248 today!

Choosing A Color For Your Homes Vinyl Siding

2018 is the year that is taking the curb appeal of your home to the next level. Homeowners are more aware now than ever before that how their homes look on the outside has everything to do with how the inside is viewed. This is even more important when looking to put your home on the market. The exterior of your home is a reflection to the rest of the world of you. It can make your home look warm and inviting or just the opposite based solely on how it looks. One way that homeowners are looking into bringing new life to their homes exterior is through the installation of new vinyl siding.

Vinyl siding installation creates an entirely new look for your home. It is important to choose a color that expresses who you are while also taking into account other homes within the neighborhood and future buyers preferences. In some areas vibrant colored vinyl siding is the norm however for many of us safer choices such as shades of gray or beige are more suitable.

To really determine what color is best for your homes new vinyl siding homeowners should consider the advice of an outside source, such as the siding contractor. Professionals will offer you the cold, hard truth about your choice in the color choice of your vinyl siding. Often times exterior siding contractors work with professional decorators to come up with a plan for exterior home renovations to be sure that all plans for the exterior of the home are tied together.

One aspect that contractors and decorators will consider is the color of the exterior doors of the home including the garage door as well as the color of the roof. If you as a homeowner are not looking to replace the entry and garage doors or to install a new roof, then it is crucial that the homes vinyl siding is compatible with them.

The homes siding should also compliment the architecture of the home. Certain styles of architecture fit better with certain colors and not with others. Think about the typical colonial home; what comes to mind? Yep, solid color vinyl siding in yellow, white, green, or blues.

Another feature to take into account is the size of your home. Super dark vinyl siding makes homes stand out. Dark colors can be considered overwhelming when used on larger homes where as on smaller homes they can create a cozy feeling. If you are looking for your home to blend into the homes around the neighborhood then it is best to stick with lighter vinyl siding colors such as white or yellow.

Consider the climate in which your home is as well. There are particular colors that are perfect for homes in cooler climates however look off when used in tropical climates. Sunlight exaggerates brighter colored vinyl siding while heating up dark color siding. It is also crucial to consider color combinations as well. Dark blue and black appear dark and drab whereas dark blue with white trim appears nautical and fresh.

Learn more about Kearns Brothers, a full-service home improvement contractor servicing all of Southeast Michigan’s construction needs by visiting their website at www.kearnsbrothers.com or contact a remodeling expert at 888.355.6700.

Tips to Care for Your Aluminum Fence

The exterior of your home, your homes curb appeal reflects a great deal on how your home is viewed overall. Many homeowners look for ways in which to spruce up the exterior of their home. One way that this can be achieved is with the installation of a new aluminum fence. Not only does an aluminum fence increase the aesthetics of the property it increases safety while increasing the homes overall value.

Aluminum fence panels are created from a corrosion resisting property which allows it to last longer than other fence materials. Even with its corrosion resisting nature, aluminum fences like everything in the world require routine maintenance. Below are a few tips for ways you maintain your aluminum fence better for long-lasting results.

Regular Washing

Fences being out in the open are prone to the building up of dirt, mud, grass, mold, and unwanted growth if left unmaintained. Because of this very reason as a basic cleaning ritual, it is advised to use a pressure hose regularly on your fence to remove any sort of accumulated debris that might cause damage to it.

Routine Levelling Check

A routine checkup of your aluminum fence is suggested to ensure leveling. It’s easier to check and devise leveling of your aluminum fence on a windy day if you see it swaying and tilting on one side because of the wind pressure then be sure to secure it as it appears to have loosened up.

Scratches and Chipping

Aluminum fences face scratches and chips that are easily maintained and should not present the issues that arise with other types of fence materials. Use some exterior touch up paint specific for aluminum fencing and it will be as good as new. Other fencing materials such as wood require yearly staining or word protection to keep it looking as good as it does when it is first installed however this is not the case with aluminum fencing.

Avoid Chemicals

Aluminum fencing is powder coated and therefore when maintaining them it is important not to use harsh chemicals. Most household cleansers, abrasive chemicals, harsh agents, acidic solvents, steel wool, and industrial type cleansers should be avoided.

For greater maintenance repeat the above maintenance tips to fully protect your aluminum fence, because maintenance costs less than a full replacement. In other words, protect your fence, so it can protect you for longer.

iFenceUSA is an online manufacturer and distributor of wholesale aluminum fencing. With over 18 styles of aluminum fence panels and gates to choose from, we have aluminum fences that will meet your wants and need. Choose from custom aluminum fencing options including: Commercial Grade Aluminum Fencing, Residential Grade Aluminum Fencing, Pool Grade Aluminum Fencing, and Industrial Aluminum Fencing all at https://ifenceusa.com/. For more information contact one of our aluminum fence experts toll free 800.762.2907 or via email at info@ifenceusa.com.

Michigan Roofs: Coordinating The Color Of Your Roof To The Homes Exterior

A new roof for your home can be quite exciting. It is one of the only times, besides replacing the siding or a new room addition, where the exterior of your home will be transformed. It can be a bit scary for some homeowners as you will live with this decision for the length of time you own your home. As a professional roofing contractor, it is important to ease homeowners concerns and present the options that are best suited for their home. This helps to create a situation where homeowners can’t make the “wrong” decision.

Being a Michigan roofing contractor for over 20+ years means that I have had a lot of experience with the climate and understand how your roofing materials are affected by the drastic changes in temperature. With the difference in temperature Michigan roofs are different than a lot of others; your roofing can be light or dark. Where as homes in southern states would likely benefit from a lighter shingle that would help deflect sunlight.

Another element that is crucial is that the exterior colors of your home coordinate. Homes with blue or gray tones would coordinate with a black roof where as cream or tan homes look better with brown toned roofs. It is crucial to the overall look of your home to coordinate the shingle style and color with the exterior. Take into consideration any future exterior siding or masonry work that you will be done. It is also good to note that darker roofing makes homes appear smaller than they actually are whereas lighter roofing, gray or light brown shingles, tend to make home look bigger overall.

The neighborhood is another factor to consider when choosing roofing materials. Have you investigated the regulations set forth by your homeowner’s association and local ordinances; especially important within city limits. Certain colors, materials, and styles of shingling and metal are considered statement roofing which is a great way to distinguish your home but some HOA’s are looking to avoid any one home in the area from drawing attention. It may also be important to you and your neighbors that your home not to stick out like a sore thumb and clash with neighboring houses.

To view samples of different roofing materials or to virtually view how the materials will look when placed on your home give Home Pro Roofing a call. Our professional roofing contractors specialize in bringing professional roofing results to homeowners throughout Michigan including: Kalamazoo, Brighton, Lansing, and the surrounding areas.

Learn more about Home Pro Roofing and their vast line of custom roofing options installed by professional roofing contractors including: asphalt shingle roofing, metal roofing, roof repair, and new roof installation at www.homeproroofingmi.com. Our roofing contractors offer services throughout Michigan including: Kalamazoo, Brighton, Lansing, and the surrounding areas.

Changes To Keep In Mind For Age In Place Remodels

I have met with a significant number of homeowners that are concerned about making their homes accessible for their ever-changing needs as they age. As a specialist in age in place remodeling it has become my mission to create spaces, when remodeling, that ensure clients changing needs will be met through the renovation process. Aging comes with enough complications; the last thing that homeowners need is added complications surrounding their home.

Ranch vs Two Story

We don’t ever think about growing old when we purchase our first homes but often are first homes become are only home. With that being said it is important to note that not every homeowner thinks about the hitches that come with owning a two-story home as you get older. Many older homeowners have decided they want to stay in their two-story home, so it is my job to make it safe for them to access the second floor. Obviously, an elevator can be installed however this can be quite cost prohibitive, upwards of $30,000 to $65,000, along with ongoing maintenance. Another option is the installation of a stair lift, which allows the user to go up and down the stairs using an automatic chair. This is a much more cost-effective option, ranging between $2,500 to $5,500.

Entrance

Depending on the type of entry way that currently exists the installation of a special ramp that allows access into the home via wheelchair or with walker assistance. Handicap ramps can be designed to match the homes exterior or able to be removed and transported. The actual door entrance as well should be evaluated. A no-step entry way is as important as an entrance without stairs to individuals using devices to assist in maneuvering around.

Wide-Pocket Doors

Wider doors accommodate for the ease of movement using walkers, canes, and wheelchairs. Another element that is helpful is to switch out commonly used doors throughout the home with pocket doors, when able. Pocket doors do not need to swing in or out which allows for accessibility to two users if an individual were to need assistance or if mobility assistance devices were used.

Bathroom Modifications

The bathroom and kitchen spaces are the two areas that are of utmost concern when it comes to aging in place. To combat worry from within the bathroom area there are a number of options to present to homeowners from walk-in tubs to built in shower seats. My preference for safety and efficiency is the installation of a walk-in shower with a built-in bench. This however will not satisfy homeowners looking to take a bath. If an actual tub is desired a walk-in tub can be installed. Along with these modifications it is important to add grab bars and a raised toilet to just add to ease of use with-in the space.

Learn more about licensed and insured general contractor Glen Miller the Home Doctor and the variety of home improvement services he offers clients including: home maintenance plans, handyman services, kitchen remodels, bathroom renovations, handicap ramp installations, age in place modifications, basements transformations, and hardwood flooring installation and refinishing at www.glenmillerthehomedoctor.com. To contact Glen Miller the Home Doctor call 734.255.9793 for a free estimate.

Emerging Financially After declaring Bankruptcy

Can you believe that we are already into the month of April? How are those New Year’s Eve resolutions working for you; how about those financial resolutions? Are you rolling your eyes? Financial hardships can add significant stress to personal hardships. Perhaps you resolved to pull yourself out of the financial funk left by a recent divorce or foreclosure on your home. There are many reasons that this might not have been possible for you, a job loss, a significant pay decrease, an extra mouth to feed, and so on can lead to a lack of money needed to pay off existing debts. There are times that personal bankruptcy is the only way out.

An element common to most survivors of going through a bankruptcy is the worry about moving forward and bouncing back financially. Below you will find several ways to help you get started at getting back on your feet after a financial blow like declaring bankruptcy.

First and foremost, it is important to recognize that bankruptcy does often come with a terrible stigma. For many of us it has been drilled into our heads that our financial obligations need to be paid under any circumstance. The simple truth however is that even despite our best efforts there are times when we are unable to pay our debts.

It is crucial that once you have decided you have no other choice but to file for bankruptcy you realize you are in fact not alone. In fact, the number of cases of bankruptcy has grown significantly over time; 13% of all U.S. citizens have considered it. With that said, sulking and harboring feelings of failure and disappointment won’t do anything to help you begin to move forward. Think of the experience as one that you have learned from. Forgive yourself, meet with a professional in personal finance, and move on from your bankruptcy; the bankruptcy does not define who you are.

Start by creating a fund that is set aside specifically for use after the loss of a job. This fund should consist of enough money to cover all your expenses, both essential and not, for at least 6 months. It can take a significant amount of time to find a new job and the last thing that is needed during this situation is the financial stress of not being able to pay your bills.

As previously mentioned, seek the help of a professional who specializes in personal finance. Learn to make smart financial investments and budget spending. The creation of a detailed financial plan can help you stay on track towards a healthy financial future while continue to live comfortably. Begin to slowly re-establish your credit. Eventually, everyone ends up needing some type of credit. Most of us will never be able to come up with the amount of money it takes to purchase a house. Also, if we do have that type of cash it is more likely going to make you more investing than it is paying cash for a home. A good credit score can occur even after declaring bankruptcy; it just takes time and patience.

Bohikian Law Group specializes in chapter 7 and chapter 13 bankruptcies in Michigan. Contact us today to find a bankruptcy attorney that will help you in debt relief at http://www.bohikianlaw.com/ today.

Tell Tale Signs Your Computer Has a Virus

It’s true, our lives have come to revolve around a variety of technological devices; the computer and phone being the most common. Face to face meetings, previously requiring a person’s physical presence, have been replaced by computers as well as shopping, banking, paying bills, and so many other tasks that happen in our day to day lives.

Many of the websites that we visit to perform these common tasks are prone to popups and links are secretly hidden within advertisements that an unintentional or oblivious click may be installing a virus or malware on your computer. Even If you consider your computer entirely virus free you should still go through the signs below that will help you decide if your pc is malware free, or that you need a visit to the computer repair shop.

Performance Monitoring

One of the many ways to determine if your laptop has been infected with a virus or other type of malware is to keep track of the life of the battery. Is the battery life less than what you are used to experiencing? This can give you an idea if a virus is slowing your computer down. Other than that, you can take a look at the hard drive activity through the administrator folder to see what applications are running. Do you spot any suspicious programs that you don’t recall using? Moreover, if the pc is running but has no programs currently opened and the light on the modem happens to be flickering, it means there is a certain unidentified malware residing on your pc consuming or transferring data using

Out of the Blue Pop-Ups

If the computer has no programs currently running and a series of unidentified popups appear on your desktop then, believe me, they are a courtesy of virus seeking refuge inside your computer files. With the popups, it is enough confirmation that a virus is present, head off to the nearest computer repair shop for a virus removal solution.

Missing File and Changed Content

If your PC is behaving weirdly such that you cannot locate certain files in your folders and they happen to be missing or in another folder, you never put them in the first place. Viruses are often responsible for such instances, or it might just be a rare moment you can blame your own memory.

Involuntary messages

A very common sign of your PC being hacked by a virus is when your colleagues and friends, to whom you remain connected by your email, locate any emails or messages not physically forwarded by you. A virus has been communicating in your place instead, spreading its wings onto your colleague’s computers as well.

A Shockingly Perfect Computer

This probably sounds like coming from a paranoid person but there is very much a chance to have a virus infected PC that shows none of the signs above. Hackers and Cybercriminals are sneaky with their methods such that the virus is hard to locate because it is hidden with perfect precision. The best defense mechanism is to install an antivirus software that scrutinizes all your files for an accurate virus removal.

Data on computers is personal and important, therefore it needs to be protected. If you sense even the slightest threat of virus infestation on your device, wait no more because your information is at stake.

Local computer repair shops will perform a diagnosis on your computer to determine if it has been infected. If it is determined that malware or a virus is present, they will run a variety of scans to remove the infection and perform a tune-up on the computer to ensure all your protection is running the most up to date version. If a virus is not the cause of your issues, a diagnosis can be done to ensure that your computer is running its best.

Learn more about Creative Programs and Systems, CPS, and the IT solutions they provide including IT consulting, computer consulting, network consulting, networking, server installation, IT disaster recovery, computer repair, virus removal, malware removal, computer tune ups, data backup systems, computer troubleshooting, structured cabling, low voltage wiring, website design, graphic design, logo design, website hosting, search engine placement, iphone app programming, android app programming, and custom programming at www.cpsmi.com. To contact one of our IT experts, call 810.224.5252 today or via email at info@cpsmi.com.

Custom Labeling Has Never Been Easier

Companies are always seeking a way to differentiate their products from their competitors. Ultimately one of the best options to do just this is through custom product labeling. It is easier than ever to work with a manufacturer to design and produce a custom label that is customized to fit your unique desires. There are many options to choose from in product labeling from shrink sleeves to flexible packaging. Many producers of product throughout the United States struggle to comprehend just how many options there are when it comes to product packaging and custom product labels. Below we will look at the five most popular options available within the industry.

Shrink Sleeves

Shrink sleeve labeling is a fairly new concept to hit the market and is quickly becoming a favorite with the beverage, pharmaceutical, and chemical industries. This type of label offers a three-hundred-and-sixty-degree area in which to market your product. No matter what shape your product is, shrink sleeves can conform to it.

This is particularly useful for uniquely shaped bottles which are comprised of multiple curves and edges. Shrink sleeves will adjust to the shape of the bottle which allows graphic designers to design a label that attracts consumers from all angles. Custom shrink sleeve labels work on a number of packaging materials including aluminum, glass, and plastic. They are incredibly durable and offer the ability to create a tamper-proof seal to any product.

Flexible Packaging

One of the trickiest labels is for products that require no definite shape. This includes your pet food, detergent, snack foods, and more. Flexible packaging offers a way to label and contain these products. Flexible pouches can be designed using any type of device you desire for containment from press to close zippers to spouts that open and close. Flexible packaging is a cost-effective manner in which to package your product and customize a unique label.

Roll-Fed Labeling

This type of labeling also allows an all-around, 360 degrees coverage. The difference here is that roll-fed labels work best for regular shapes. Let’s say if your product was a uniquely shaped bottle, then the roll-fed label wouldn’t fit. This limitation makes this type of labeling economical. The new printing methods that have been introduced allow an enhanced graphic print on roll-fed labels.

Cut and Stack Labels

The regular items that do not have anything unique to them can stick with the cut and stack labels. The label is customized to the exact size of the item. Generally, this label type is used for tin packaging. It is also well-suited for household use. The label is shrink-wrapped onto the container to ensure the perfect application.

Of course, the choice of your custom labeling method will depend on the nature of your product as well as the aim you have. For example, if you want an attention-grabbing label, shrink sleeves will work best. If you’re looking for something economical, roll-fed labeling will be your best choice. Bottom line is that custom labeling has been made easier than it ever was, all with the help of these multiple different types of labeling techniques.

Learn more about Anchor Printing and their vast line of custom product label & packaging options including: Shrink Sleeve Labels, Flexible Packaging, Roll-Fed Labeling, Pressure Sensitive and Cut & Stack Labels at http://www.anchorprinting.com. To contact one of our label specialists call toll free at 800.748.0209 or via email at info@anchorprinting.com.

Maintaining Radiation Oncology Equipment

The challenging activity of repairing and maintaining the radiation oncology equipment which is used by doctors in various hospitals and clinics is done by companies that provide biomedical equipment maintenance services. These companies provide in-house repairing services, 24/7. These companies make sure that whenever an equipment failure occurs, a professional is always available to come and sort out the problem with the equipment so that medical operations can be continued as soon as possible.

Repairing linear accelerators, CT scanners, and other radiation oncology equipment is complex and complicated, there is no space for mistakes. The problem must be dealt with using careful consideration as these machines are to produce test results with a lot of accuracy and precision. Therefore, any problem in the functioning of the equipment left unchecked or overlooked can prove to be a great disaster. Thus, it is crucial to get the equipment functioning properly in the shortest time possible.

Some equipment names that may require the availability of such biomedical equipment professional technicians are LINAC and CT scanners who check if the equipment works properly or if refurbishment of the equipment or its reconditioning is required.

Reconditioned Linear Accelerators

A Linear Accelerator (LINAC) is a delicate and complicated medical equipment that uses microwave technology to create photon beams as radiation that pass-through the human body to finish the tumors in human body. The body is exposed to strong radiations known as radiation therapy for removal of cancer. Thus, the reconditioned linear accelerators must have their calibration right. Their calibration must be done by professionals with a lot of experience in repairing and maintaining such mechanical and sensitive devices. As it takes a lot of time to repair it, the servicing of LINAC is costly as well.

Refurbished CT Scanners

CT scanner, on the other hand, is also a sensitive equipment which also produces radiations using microwave technology to create photon beams. But, these radiations are a lot less strong than those of a linear accelerator. These low concentration radiations are known as X-rays which are passed through the human body for the detection of any existing tumors in the body. This process is known as CT-scanning i.e. computed tomography scanning. Refurbished CT scanners have a risk of mis-calibration. A refurbished CT scanner machine that is calibrated incorrectly means wrong medical reports of the patient or risking the health of that patient by exposing him to excessively strong radiations damaging his body cells.

Challenges Faced Buying Equipment

The most common challenged faced while buying equipment for the hospital or a clinic is that it costs a lot. Many are left with the only option of buying a reconditioned linear accelerator and a reconditioned CT scanner to make their medical facility operative or update it. This calls for those biomedical equipment service providers to get their equipment checked regularly for any malfunctions or the need of recalibration. If they are regularly serviced and maintained, you are good to go.

Acceletronics is an independent service company dedicated to delivering the best equipment performance and service reliability from Linear Accelerators and CT Scanners across all major brands and models. Learn more about Acceletronics and their selection of new and refurbished linear accelerators and CT scanners today at http://www.acceletronics.com. To contact one of our LINAC experts call 610.524.3300.

Fundamental Questions to Ask When Purchasing Aluminum Fencing

Aluminum fencing has a number of known benefits including quality, durability, low-maintenance, and versatility. When making a purchase of this magnitude it is important to research the options that are available. The installation of an aluminum fence can impact your homes property value. This is why it is important that homeowners, and business owners alike, look into all of the available options in aluminum fence before deciding on one.

When you are purchasing an aluminum fence for the first time take time to look at all of the available options. Most homeowners find that wholesale aluminum fencing from online suppliers have the most options to choose from at the best possible prices. There is no need to rush into deciding when it comes to fencing. Take advantage of the online tools to visualize how your new fence will look when installed around your home, backyard, or swimming pool.

Shopping for Aluminum Fencing

Many homeowners don’t realize that there are a multitude of aluminum fence grades to choose from: residential, B.O.C.A. approved pool, commercial, and industrial. Different grades of aluminum fencing come in a variety of weights. Residential grade aluminum fences are lighter than the others and are most adequate for perimeter fencing for backyards. The grade of fencing that you choose will depend on where the fence is going to be installed; industrial grade aluminum fencing being the heaviest.
As far as installation is concerned, aluminum fencing is one of the easiest. Decorative aluminum fencing comes in pre-assembled panels that are easy to install. Most do it yourselfers are totally capable of installing a new aluminum fence in a weekend. This helps save on installation fees as well.
When choosing an aluminum fence take into consideration the styles and color options that are available. Aluminum fencing comes in a number of colors and styles. Sometimes settling on an option can be a bit overwhelming; especially if you are a visual person. Consider what you like and which designs are practical for your property. Certain styles and colors are more common such as flat rail, black aluminum fencing.
Check out the warranty options available from different wholesale aluminum fence suppliers. Michigan is known for having a number of climates within the same week from heavy winds, storms, rain, snow, sleet, and so on. In the rare event that your aluminum fence becomes damaged it is important to be protected. Also, it is important to make sure on the rare chance there is manufacturer defect that it will be covered as well. There are many things that are out of your control but at least you can be sure you are prepared in case it does.