Modern Bathroom Updates For Seniors

The idea behind age in place remodeling is to help baby boomers who want to retire in their own home as, to do so safely, independently, and comfortably regardless of their income or ability level. Besides living on your own home is a lot cheaper.  Seniors seem to be happy and enjoy some perks of being close to their loved ones, where they can get on with a life that is familiar to them as opposed to a nursing home or aged-care facility. There are, however, many potential risks for injury to seniors as they age lurking around their homes and making a few but vital modifications can significantly minimize such risks.

Types Of Age In Place Modifications

Examples of simple, cost-effective age in place modifications that an aging in place contractor can make include but are not limited to mounting additional railings and grab bars, installing nonskid flooring, turning a regular tub into a walk-in bathtub, installing a hand-held flexible shower head,  increasing lighting, installing accessible switches at both ends of the stairs to boost visibility, and minimize the risks of falls.  Falls happen to be the leading cause of distressing death with seniors.

Bathroom Updates For Seniors

The bathroom is one area that can greatly benefit from aging in place remodeling because lack of support in the shower or bathroom certainly increases the risks of accidental fall. The bathroom is a constantly wet area and one of the best ways to improve this situation is to install a shower without a threshold so that somebody in a wheelchair or walking aid can move in and out freely even without help.

Choosing a flooring material for the entire bathroom floor is equally important.  It entails picking a material that is slip resistant, one with an anti-slippery coating that doesn’t move out of place, one that is easy to move over with a cane, walker, or wheelchair without slipping, it should also be one that doesn’t require too much cleaning and maintenance. Bathroom flooring materials such as stone, ceramic or porcelain should be avoided because not only are they hard and unyielding,  they also require regular maintenance, they are cold to the feet, and above all, tiles with wide grout joints or uneven surfaces can be a trip hazard for seniors.

Changes To Your Lighting

Bathroom lighting for age in place remodeling is very important because too much lighting or lack thereof poses a risk of tripping. Puck lights are modern and versatile lighting solutions that an aging in place contractor can install inside cabinets or as under cabinet task lighting. Light fixtures with a built-in occupancy sensor are ideal for aging in place bathrooms and if possible for the entire home. Important also is to choose faucets that are easy to open with little effort as well as adding non-slip railing along the walls for additional support and bring all cabinets to a comfortable height that a senior can reach upwards, but not too low as you don’t want seniors to have to bend over too much.

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.

Not All Debts Are Treated Equally When Filing For Bankruptcy

With a struggling economic climate, millions of people file for bankruptcy every year for varied reasons, most notably due to medical expenses, reduced income or job loss. According to US bankruptcy court statistics, personal bankruptcy has increased at an alarming rate and not just as a result of irresponsible spending, but because something like a divorce means taking on a partner’s debt if you had “regrettably” co-signed or opened joint accounts with them.

Filing For Bankruptcy

Unexpected catastrophes can also quickly drain savings that took years to accumulate including mountains of student loans, the rising costs of utility payments, inflation, foreclosure the list is endless. Bankruptcy laws are in place to give people whose finances have collapsed and need a second chance to start over. According to statistics from the American Bankruptcy Institute, nearly 95% of Chapter 7 bankruptcy cases decided in 2016 were discharged, meaning the individual was no longer legally required to pay the debt. But what about the other 4.5%?

If you are contemplating bankruptcy, you should consider discussing your options with an experienced bankruptcy attorney who works on liquidation bankruptcies where most of your debts are discharged or liquidated under bankruptcy law. A bankruptcy lawyer will also help you in compiling all your financial records, including debts, assets, income, and expenses.

The Length of Bankruptcy Process

Once you have filed for bankruptcy, the process usually takes six months or longer to complete, but the good thing is that during this time it triggers the automatic stay that prevents creditors from calling you, suing you, sending you letters, or even repossessing your property.

Items Not Discharged In Bankruptcy

When your petition is accepted, your case is assigned to a court trustee who then sets up a meeting with your creditors that you must attend. But not all petitions are accepted, for example; student loans are not discharged under a declaration of bankruptcy owing to the fact they are funded or guaranteed by the government and students are required to pay them off once they start working.

Another example of a non-dischargeable that can’t be in a Chapter 7 bankruptcy at are debts from a divorce because they are owed to a spouse but not as a domestic obligation. However, they can be included in a chapter 13 bankruptcy provided the debt becomes part of a payment plan, and the overdue payments will be continued and paid in full.

A debt incurred through fraudulent means, including one that was obtained to take advantage of the bankruptcy code, cannot be discharged. Unemployment benefits overpayments that you may be required to repay the excess, tax penalties, fines on speeding tickets and vehicle registration fees will also not be discharged in a bankruptcy.

Also, fees that are considered a priority debt, meaning you owe the federal government or local state in payroll taxes, past tax debts from previous years, current tax liability, any fees or penalties cannot be discharged under a declaration of bankruptcy, therefore, you must make an effort to pay or deal with the IRS directly.

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.

 

Data Backups Are Integral In Managed IT Services

Any business, be it large or small, handles sensitive data such as customer information. This may include their home addresses, payment card information, application attributes, emails, and more. Employee data is also sensitive information as well as operational and inventory information for those in the business of selling physical products and do not want their sales figures disclosed or lost.

Depending on your industry, you obviously have identified the type of data that requires protection and backup. To do so, you must have the right organizational structure in place, including ensuring that those that work for you understand the criticality of cybersecurity for the sake of data protection. You also must implement a comprehensive vendor risk management to prevent issues caused as the result of third-party or vendor relationships.

Choosing Managed IT Services

All these steps toward data protection dictate that an organization has the right technology, personnel, and software in place to continuously monitor the cybersecurity position of its critical vendors and to also to minimize sensitive from information being compromised. But it’s not always financially feasible for some companies to do all the above, in-house, which is why businesses are now outsourcing managed IT services to handle important elements of their technical needs as part of a collaboration with the internal IT department.

Not only does part of managed IT services consist of implementing specific strategies to ensure that sensitive data is not lost, misused, or accessed by unauthorized users, but it also handles email hosting, customer relationship management (CRM) applications, storage, backup and recovery, network monitoring, cloud computing, data networking, social media engagement, and cybersecurity.

Obtaining The Protection You Need

Backup and data recovery solutions are integral in managed IT services because it preserves an organization from potential insider threats as employees may manipulate and share data they work on and off the network on corporate and personal devices and in the cloud. Managed IT services solutions encompass network monitoring to protect a company against malicious cyber-attacks from ransomware and hackers that are wreaking havoc on businesses worldwide.

It’s not uncommon for organizations to lose sensitive data through hardware failure that occur as a result of lack of maintenance or running important applications on older servers with old operating systems. Without a proper contingency plan in place, the consequences can be increased downtime, increased security threats or worse, loss of critical data that negatively impacts a business. Utilizing IT consulting services can help mitigate a business’s security risks and provide it with a modern infrastructure that maximizes current technology, and by so doing, internal staff are left to focus on revenue-generating prospects.

Cloud Data Storage

Managed IT services also offer advanced commercial IT support to companies that are looking for cutting-edge cloud computing infrastructure management, application management, and business process outsourcing. These services provide the best data backup solutions options that are compatible with most technologies for larger businesses with unlimited storage and also extend to data migration services, advanced file versioning, compliance-level security, 24-hour support, and support for virtual environments.

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.

Why Are Shrink Sleeves So Special In Marketing?

One of the most important things that will make any marketing strategy successful is having a robust product promotion and advertising plan in place. A well-designed marketing and promotional strategy will be successful in putting across the benefits of your product or service to the customers to ensure long-term success, bring in more customers and ensure profitability for businesses. In addition to having a unique product and employing the use of various platforms, including social media, television, or shopping outlets, one tried and tested way that your brand will garner the attention of the pre-occupied customers is by having an eye-catching packaging for your product.

Grabbing The Attention Of Your Customers

You may have an utterly unique product, but there is no way to communicate that if there’s nothing to distinguish your merchandise from that of your competitors. Next to brand loyalty and ingredient preference, labeling and packaging plays a big part of a customer’s purchasing decision. And even if they don’t buy it, your product will still get a lot of attention if the design is interesting and attractive, if it has both impressive form and function, and if it is uniquely relevant to your target market.

The one thing that most products have in common today is shrink sleeve labeling and with good reason. Compared to older forms of labeling that were bulky-looking and only used to barrage consumers with product information, shrink sleeve labeling has become very special and prevalent in marketing not only for its ability to conform to any container shape, but also because it provides printed label graphics and content over a larger area of the full container.

Safety and Handling of Products

Older forms of labeling were also quite susceptible to damage, especially because they couldn’t withstand moisture, wet conditions, and constant handling by customers or during transportation. Not only does shrink sleeve labeling make a product look clean and sleek, but the tamper-evident band that fits securely around the lid, neck or cap of the container provide visual evidence of label removal attempts. Your products are most-likely to be handled many times over after being packaged and keeping them safe is a priority for brand longevity plus you build consumer loyalty because you are showing a clear concern for their well-being by using tamper-evident in your packaging.

Design and Appeal

In addition to incorporating a clear tamper assurance band, the 360-degree artwork on shrink sleeve designs are quite elegant; they certainly will add a visual interest to your product and set it apart from others in your line of business. Depending on your budget and the impression you want to make in the market, you have a choice of different varieties of shrink labels. Some will cover multiple containers for the purpose of offering them as one product, others, such as full-body shrink sleeves create a 360-degree graphics coverage of your product from top-to-bottom, and finally, a standard sleeve will cover a portion of the container to allow for product visibility. Do any of these shrink sleeve labeling options appeal to you?

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/shrink-sleeve.php.  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

Biomedical equipment technicians have the arduous job of repairing medical equipment used in hospitals and various health practitioner’s office. These machines are quite complex and carry out work that the normal human being can’t such as processing x-rays into visible images or magnifying test samples thousands of times, therefore any glitch, malfunction, or downtime is unacceptable because it can affect the entire medical procedure, which in all cases, is life-saving.

Technical Skills Involved With LINAC Servicing

Servicing LINAC systems takes a certain level of technical skills and the use of both mechanical skills and software know-how to fix the delicate parts of a linear accelerator. A LINAC uses microwave technology to create high energy electron beams or X-rays known as Photons beams. When these high-energy photons are created they are then directed to a patient’s tumor and are shaped as they exit the LINAC to conform to the tumor

Servicing linear accelerators is time-consuming, nonetheless, they can be successfully operated, maintained and repaired, but only when done by people with a background experience in capacity building, installing, commissioning, calibrating, servicing and repairing linear accelerators. Components of a LINAC are highly sensitive suffice it to say, costly. Take, for example; the drive stand comprises of the klystron, which is also used in high energy physics, provides medical linacs with the source of microwave power to accelerate the electrons by amplifying introduced radio frequency electromagnetic waves. The job of biomedical equipment technicians is to not only get it right the first time but also to ensure that they check their work for any anomalies to alleviate future disruptions.

Components Of An Accelerator

Other components that a technician must check when servicing linear accelerators are the RF waveguide, the circulator, which connects the klystron and the RF waveguide, and the cooling water system, all, which are vital components of the drive stand that needs to work at optimal capacity. Additionally, the modular cabinet of the LINAC systems, which is located in the treatment room, contains three subcomponents that also need to work symbiotically. They are:

  • The power distribution system
  • The fan control that cools the power distribution system
  • The auxiliary power distribution system which contains off button that shuts down the power to the LINAC in case of an emergency

The water cooling system that is located in the drive stand and gantry cannot be allowed to fail at any moment because not only does it provide thermal stability to the whole LINAC system, but it also allows all the components in the gantry and drive stand to operate at a constant temperature.

Equally so, the monitor ionizing chambers used to screen field symmetry, integrated dose and dose range, as well as the multi-leaf collimators (MLCs) that are used to create a block that spares normal tissue and direct the radiation dose to the tumor, are two important elements in the treatment delivery of radiotherapy.

Checked and Maintained For Accuracy

They, therefore, must be checked when servicing linear accelerators to ensure that there are accurate dosimetry, mechanical precision, and imaging during RT treatment.

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.

Risks of Not Having an Estate Plan

Don’t have an estate plan for your estate? Are you under the impression that such plans only exist for those with large estates that are well off? If this is your assumption it is false and holds no merit. In fact, an estate plan is the best thing you can do, no matter how large or small your estate is, to ensure the safety of your property, and the well-being of your loved ones. An estate plan is the best way to protect your assets from probate laws. In fact, not having an estate plan subjects your property to several risks and hazards. The following are a few harmful risks of not having an estate plan:

Asset Distribution

The main aspect of a will, trust, or an estate plan is asset distribution. With your estate plan you can tell your family and the law just how you want your property to be divided. If you do not declare the method in which your property is supposed to be divided, the court simply passes on the property to your closest relatives, spouse, and children respectively. This can lead to a number of conflicts arising amongst your family, especially if you have been married more than once or if you are divorced. Thus, to ensure that your assets are properly distributed you need to make an estate plan.

End-of-Life Care

An estate plan is not just concerned with property and asset distribution, it can be utilized for dictating your healthcare during your final days or during illnesses. Often, many people are incapacitated by illnesses in their final days and cannot properly make their opinions and demands heard. Using an estate plan, those affected by illnesses such as Alzheimer’s can dictate their family and friends and let them know their wishes through power of attorney. An estate plan ensures that you are not helpless and that you dictate your life even at the very end.

Challenges caused by probate laws

Probate laws deal with the changing ownership of property and every single dealing that goes into the changing of owners. Without an estate plan, the probate courts will seize your property and subject them to probate laws while your heirs helplessly look on. With an estate plan you will be able to give a proper outline or blueprint about how your property is supposed to be handled. Wills and estate plans might not exempt your assets from estate laws but forming trusts can. The execution of a trust as part of an estate plan is a huge step in ensuring your heirs get what you want them to.

Don’t have an estate plan yet? If not, you should get one as quickly as possible. We never know where life might lead us, and it is better to be prepared for adverse occurrences beforehand. Create your estate plan immediately to make sure that your assets are handled the way you want them to. An estate plan helps you dictate your own life right to the very end.

Learn more about attorney Sean J. Nichols and the legal services he provides for clients including: estate planning, elder law issues, Medicaid planning, elder care, probate law, guardianships, and power of attorney (POA) at www.seanjnichols.com.  To contact the offices of Sean J Nichols, call 734.386.0224 today.

 

What is Hyperopia and What Are the Correction Options?

Having the ability to see well is one of the essential requirements of living but few people actually have 20/20 vision. One of the most common problems is Hyperopia. Hyperopia is basically farsightedness. It’s one of the most common eye problems. It can not only affect your vision but also your overall well being and your quality of life, as your daily efficiency is decreased. Basically, you’ll be able to see objects well in the distance, while your vision will be blurrier closer up. This is also a problem that develops as you get older.

 

It may be time to visit an eye doctor to see how this problem can be corrected. Eye doctors will diagnose your Hyperopia. This condition can develop when the distance between your cornea and retina is too short. This basically displaces light rays instead of the image settling onto your retina; it will place it behind it. This creates vision problems. This condition can also be hereditary, so if your parents have farsightedness, most likely you do too. Usually people get this condition in their childhood.

Hyperopia Symptoms

If you are having any of the following issues, a trip to the eye doctors may be in order. Do you have a hard time reading books? Perhaps you have trouble when doing sewing, crafting, or cooking. You can have severe headaches and nausea when trying to complete these tasks. Yet you may still be able to see mountains in the distance. You may have no trouble driving, as you can see street signs, lights, and other vehicles easily.

Choosing LASIK

Eye doctors will test your eyes to diagnose your condition. You may be prescribed eye glasses or contact lenses for vision correction. One other solution, which is more permanent, is to have eye laser surgery. LASIK surgery is one option that can be done at the eye doctors’ clinic. It can not only correct Hyperopia but myopia and astigmatism too. Basically all of these conditions are caused by the shape of the eyes.

 

One thing that eye laser surgery still isn’t good at correcting is Presbyopia, which is caused by the hardening and thickening of the eye’s lenses.  Perhaps one of the best reasons for vision correction by eye laser surgery is so that you can read again without using glasses or contact lenses. You’ll also discover how your headaches and nausea will go away.

 

Modern LASIK surgery will correct reading problems. Some people have different vision problems in each eye, so each will be carefully evaluated. One eye may require different treatment than the other. Your eye doctors will advise you on the best course of treatment so you can regain your 20/20 vision.

Looking for the Right Solution

If you are suffering from Hyperopia and tired of not being able to see up close without reading glasses, or you are always feeling unwell, please book an appointment at our eye doctors today. Eye laser surgery will correct your vision so you can now focus on the world both sharply and clearly.

 

If you are looking to reduce or even get rid of your eye glasses and/or contacts let us at Rohr Eye & Laser Center help you! We offer several types of LASIK eye surgery including PRK, AK, CK, Cataracts surgery and more. We perform all these eye laser treatments with state of the art equipment. We are a leader in laser vision correction, and our goal is to help you achieve superior vision. Contact us today or view our website http://www.michiganlasik.com/  to schedule an appointment.

 

The Benefits of Salt Free Water Softeners

People with fresh, high-quality water can be taken for granted in many parts of the world.  In others however water can be full of minerals, contaminants, and be extremely hard.  This can lead to nasty tasting water that is affected by high amounts of minerals in the water. One of the best solutions to hard water is to install a water treatment system in your home that can provide a softer, better tasting, higher quality water supply.

Treating Your Water At Home

Water softeners essentially work by adding other minerals to the water in order for the water to taste good. There are a number of ways this is done and one includes a salt process. Many people however, have concerns with adding extra salt to their bodies.  Some people have diseases and conditions where they need to limit the amount of sodium in their bodies so a traditional water softener that uses salt to soften the water may not be ideal.  Another alternative for treating the water in your home can come from a potassium water softener, water conditioning, or a water filtration/purification system.

 

People often consider water softeners and water conditioners as one of the same. A salt-free water softener can more accurately be called a water conditioner or de-scaler.  A traditional water softener using salt, works by removing magnesium and calcium from the water and replacing it with sodium. Another option that works on the same principal is replacing the salt with potassium, also known as a saltless or salt-free water system.

Difference Between Water Softeners

A salt-free water filtration system doesn’t work exactly the same way as the salted one. Instead of removing hard water minerals, it keeps them from sticking to the pipes. This is a special process where the hard water minerals are crystallized, so that they can no longer stick to surfaces, which includes your pipes or your dishes.

 

The unsalted system also helps by reducing the buildup of limescale. This is that chalky substance you see on dried hard water spots and can be filled with other minerals or chemicals. While it’s not harmful, it can be unsightly and embarrassing if you are serving guests, or are a food-based business that must have 100% clean dishes.

 

The salt free water filtration system works by altering the chemical structure of the water minerals through a special descaling process. This helps to prevent solids from being deposited into your pipes and other water-using fixtures.

Talk With an Expert

A salt free water purification system is as effective as a salt-based system and it may suit your needs if your city’s water isn’t as hard as others. It is best to speak to a water filtration specialist to fulfill the needs of your home.  When choosing salt-free water purification system it will also come with a filter. This helps to filter out the hard water minerals in your water, while providing water softener properties.  For assistance in finding the best water softener or water purification system for your house, contact us today.

 

At Reynolds Water Conditioning Company, we are here to help make sure our clients don’t buy water treatment systems that they don’t need.  We are here to make sure you find a water softening system that gives you the results you are looking for, whether it is to remove iron or odor from you water; we have a solution that will help!  For more information contact our experts at 800.572.9575 or at our website https://reynoldswater.com.

 

Fix or Forget It: Should you Repair That LINAC System or Buy New?

LINAC systems, the common name for linear accelerators, are very complicated and intricately built machines. They are formed by joining together several very small different parts, making it a highly fickle machine. Despite their extreme sensitivity, LINACs are very useful and powerful machines. They are a main component of many essential machines, such as the CT scanner.

Much like the CT scanner, linear accelerators can be used in several other machines related to the health industry. They are thus an integral part in fighting cancer with radiation therapy, while also being used in a large amount of research. However, because of their unbalanced structure, they are highly prone to many mechanical faults. Here is a look at the faults they may face and dealing with them.

Problems LINAC Systems Face

Used to hurl very small radiation particles at very high speeds at designated targets, linear accelerators are built by joining numerous small parts. Each part has its own function in the grand scheme of things and is often linked to adjacent parts. This makes the LINAC a very fickle machine since any faulty part can lead to the entire machine going out of order. Hence, the LINAC is an unsustainable machine that can require very intricate maintenance.

Everyone has heard about radiation equipment and how much intricate and complex it is. LINACs are a major component in radiation equipment. Parts for repairing radiation equipment are always very expensive, and this makes repairing LINACs a huge financial hassle, while also being exhausting. Therefore, the debate about whether to install spare parts or to change the machine entirely holds a lot of weight and is something that many professionals in the health industry constantly talk about.

Fix it or forget it?

Often the parts for repairing linear accelerators (LINAC) are so expensive that they come just in short of the actual amount for buying a new LINAC. This makes many people wonder if it is better to just buy a new machine altogether since the other parts of the LINAC might break down soon enough and need to be replaced as well. Although there is no definite answer to this query since it has do a lot with the personal beliefs of people, it is always better to use something to the maximum. Therefore, in our opinion, fixing radiation machines and LINACs is the better option.

Refurbishing/ Repairing

Parts for repairing linear accelerators might be highly expensive, but that is if you buy new parts. Instead, you can opt for the sensible option, which is refurbishing or repairing the broken parts. There are a number of firms in the market that offer refurbishing of parts for radiation equipment. The refurbished parts are often returned very quickly, and this efficient process saves you half the money you would spend on a new part. Therefore, it is best to find a good servicing company for your LINACs.

Learn more about Radparts and the variety of services and parts they offer to repair medical equipment including: linear accelerators parts, CT scanners parts, linac parts, and radiation oncology equipment at www.radparts.com.  To contact one of our medical equipment repair specialists for parts or service call toll free 877.704.3838 for 24/7/365 support.

 

Switching from Medicare Advantage to a Medigap Plan

If you have Medicare Advantage, you know there can be many limitations. There can be many advantages to switching to a Medigap plan. By learning a bit more about this insurance coverage, you’ll better be able to determine if you should make the switch to Medigap.

Comparing Medigap and Medicare Advantage

Medigap is a bit different than Medicare Advantage. You’ll still need your basic plan. Medigap is basically extra help insurance that will cover the extra costs that are not covered by your original Medicare.

 

Medigap is sold by private insurance companies. The meaning of its name covers what it does, “covering gaps in your regular insurance plan”. Let’s cover some comparisons between the two types of insurances so you have a better understanding if you need Medigap.

 

Many Americans are facing escalating medical costs and have discovered that Medicare only covers some of them. Medigap covers the costs that aren’t covered by your other plan. Just some of the costs that Medigap covers include co-payments, deductibles, and healthcare coverage outside the USA.

What Medigap Doesn’t Cover

What doesn’t the Medigap insurance plan cover? They don’t cover long-term care, so that will need to be covered by your regular insurance provider, which is Medicare, in this instance.  Medigap also doesn’t cover dental care or vision care, or the related costs, such as eyeglasses, nor hearing aids. You also won’t get private duty nursing. Almost none of the Medigap insurance plans cover prescription drugs.

 

In order to sign up for Medigap, you will pay a monthly premium for one of the Medigap insurance plans.  Policies are only available to people who already have Medicare Part A or related type, which covers hospital services. Other plans may cover people who have Medicare Part B or similar. This covers doctor services.

Choose One Plan- Not Both

For people who have a Medicare Advantage Plan, they will not qualify for a Medigap plan at all. This means that you are going to have to decide which plan is right for you. In fact, it can be illegal for an insurance company to sell you both plans together.

 

Medigap will generally run at a higher monthly premium, but overall, your out-of-pocket expenses will be decreased, particularly if you have a disease or condition that requires extra clinic visits.  Medicare Advantage plan can be more affordable.  It can also cover more services. If you’re on a tight budget, this may be the plan for you, particularly if you’re pretty healthy.

 

You should also know that while regular Medicare and Medigap allow you to visit any facility that accepts these providers, with Medicare Advantage, you are limited to specific doctors or facilities within the plan. This type of plan doesn’t cover out-of-network care at all. This may be an issue if you live in the suburbs and aren’t near participating providers.

 

If you need assistance in deciding if you should switch from Medicare Advantage to Medigap, or with choosing the right Medigap plan to complement your Medicare, please contact us today.

 

Learn more about Medigap plans and rates at http://emedigap-plans.com.  Medigap Insurance brokers will help you compare Medigap Insurance rates and plans.  To talk to an expert in Medigap coverage call toll free 888-452-7949!