• •The average person spends over $1,000 or more per year on it!
• Most of us don’t have health insurance coverage for it!
• You need it more than ever when you are in your senior years.
• Most of us avoid thinking about it until it’s hit with right in the mouth.
• It’s the cost of your dental care!
• What AboutDental Insurance? • Dental insurance is not profitable for insurance companies and this is why it provides so little coverages.
• Adverse selection -A common example of health insurance occurs when a person waits until he knows he is sick and in need of health care before applying for a health insurance policy. Most people wait years before buying dental insurance until they need dental work. People always use up the max of dental coverages.
• The way insurance works are based that a certain percentage of people will not use the coverages which will cause the insurance company to lose money.
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A dental savings plan you pay an annual fee and get access to significantly reduced rates. And dental savings plans offer many benefits over traditional dental insurance. Things like no annual caps or limits and absolutely no paperwork.
Our plans cover more than 100,000 dentists nationwide. These quality providers have agreed to charge reduced fees on the dental services you need. So you’ll get the quality care you deserve at bigger savings than you ever imagined possible.Go to our website https://www.InsuredMeds.com to find your Dentist and enroll.
nsuredMeds.com is an independent Health, Medicare, Life, Final Expenses insurance specialist. We work for you not the insurance companies to get you the best prices and insurance protection. IMC
How To Get Help Paying For Prescriptions If Your A Middle-class
The Elderly Pharmaceutical Insurance Coverage (EPIC) program is a New York State program for seniors administered by the Department of Health. It helps more than 327,000 income-eligible seniors aged 65 and older to supplement their out-of-pocket Medicare Part D drug plan costs.
Even if you earn up to $100,000 filing joint you can enroll in EPIC.
InsuredMeds.com is an independent Health, Medicare, Life, Final Expenses insurance specialist. We work for you not the insurance companies to get you the best prices and insurance protection. IMC
Our female veterans deserve better care when they come home. They deserve treatment opportunities and care that is gender specific. Trying to tailor medical and mental health treatments designed for men to work with women is not an option. Systems must be designed so that women who serve are properly cared for in every aspect, with gender specific treatment options and devices.
Access to gender-appropriate care for these veterans is essential.
Gender Differences in Treatment for Disabilities
A troubling area where female veterans are not provided adequate and equal care after their service is in treatment for disabilities. Many women lose one or more limbs just like male veterans do, however prosthetic devices, support, and medical care for these injuries are based on male physiology. Women tend to have smaller arms and shoulders, with wider hips and legs than male counterparts.
Prosthetic used for women tend to fit improperly because of the physical differences between the genders. This can create many hardships, and cause considerable emotional distress as well as problems with confidence and self-esteem for female veterans. While customized prosthetic for women are available on the private market they are generally not offered by government agencies.
Vital Healthcare Services For Female Veterans are Lacking
The number of women veterans is growing, and the VA is simply not doing enough to meet their health, social, and economic needs.
As more women serve in the military, the rates of PTSD in women veterans continue to keep pace with male statistics. Although some of it is caused by combat or related stress, the effects of Military Sexual Trauma (MST) have an outsized effect on women.
The DoD and the VA still fall short of providing equitable health care services to all veterans. There are few, if any, gender specific care guidelines and services that are necessary for women such as breast and cervical cancer screenings. Policies must be changed and improved on so that women who serve are not left behind once they return home.
The best way for a female veteran is to have other health insurance other than the VA. Once a female veteran has been disabled for two years and receiving social security she can then apply for Medicare and receive additional medical benefits, those who turn 65 automatically qualify for Medicare.
What Services Does VA Offer Female Vets?
VA provides comprehensive primary care that includes services for acute and chronic illnesses, preventive services, and gender-specific care, and other services. VA’s medical staff are experts in providing medical care and services beyond primary care, including:
• Military sexual trauma-related care
• Military and environmental exposure
Women Veterans can apply for VA health care enrollment and other Veterans benefits by completing VA Form 10- 10EZ. To complete the form:
• Apply online at www.1010ez.med.va.gov •
Visit, call, or write to any VA health care facility or Veterans’ benefits office • Call the VA Health Benefits Call Center toll free at 877-222-VETS (8387)
• Get more information online about VA benefits (www.vba.va.gov) and eligibility (www.va.gov/ healtheligibility/)
Please share with any veterans who need this information.
Why does VA require you to provide information on your health insurance coverage (including coverage under a spouse’s plan)?
They ask for this information because they have to bill your private health insurance provider for any care, supplies, or medicine we provide to treat your non-service-connected conditions (illnesses or injuries that aren’t related to your military service).
They don’t bill Medicare or Medicaid, but we may bill Medicare supplemental health insurance for covered services.
What if my health insurance provider doesn’t cover all the non-service-connected care that VA bills them for?
You won’t have to pay any unpaid balance not covered by your health insurance provider. But, depending on your eligibility priority group, you may have to pay a VA copayment for non-service-connected care.
Does it help me in any way to give VA my health insurance information?
Yes. Giving the VA your health insurance information helps you because:
When your private health insurance provider pays them for your non-service-connected care, VA may be able to use the funds to offset part—or all—of your VA copayment.
Your private insurer may apply your VA health care charges toward your annual deductible (the amount of money you pay toward your care each year before your insurance starts paying for care).
Does your current health insurance status affect whether you can get VA health care benefits?
No. Whether or not you have health insurance coverage doesn’t affect the VA health care benefits you can get.
Note: It’s always a good idea to let your VA doctor know if you’re receiving care outside VA. This helps your provider coordinate your care to help keep you safe and make sure you’re getting care that’s proven to work and that meets your specific needs.
If You Are Accepted Into VA Health Care Program
Should you give up my private health insurance or other insurance (like TRICARE or Medicare) if you’r accepted into the VA health care program?
This is your decision. You can save money if you drop your private health insurance, but there are risks. The VA encourages you to keep your insurance because:
The VA doesn’t normally provide care for Veterans’ family members. So, if you drop your private insurance plan, your family may have no health coverage.
The VA doesn’t know if Congress will provide enough funding in future years for it to care for all Veterans who are signed up for VA health care. If you’re in one of the lower priority groups, you could lose your VA health care benefits in the future. And, if you don’t keep your private insurance, this would leave you with no coverage.
If you have Medicare Part B (coverage for doctors and outpatient services) and you cancel it, you won’t be able to get it back until January of the following year. And, you may have to pay a penalty to get your coverage back.
Should You Signup For Medicare When You Turn 65
Yes. The VA encourages you to sign up for Medicare as soon as you can. This is because:
The VA doesn’t know if Congress will provide enough funding in future years for it to provide care for all Veterans who are signed up for VA health care. If you’re in one of the lower priority groups, you could lose your VA health care benefits in the future.
Having Medicare means you’re covered if you need to go to a non-VA hospital or doctor—so you have more options to choose from.
If you delay signing up for Medicare Part B (coverage for doctors and outpatient services) and then need to sign up later because you lose your VA health care benefits or need more choice in care options, you’ll pay a penalty. This penalty gets bigger each year you delay signing up—and you’ll pay it every year for the rest of your life.
If you sign up for Medicare Part D (coverage for prescription drugs), you’ll be able to use it to get medicine from non-VA doctors and fill your prescriptions at your local pharmacy instead of through the VA mail-order service. But you should know that VA prescription drug coverage is better than Medicare coverage—and there’s no penalty for delaying Medicare Part D.
Having Both VA & Medicare
If you signed up for VA health care, and you also have Medicare, what’s covered by each?
You’ll need to choose which benefits to use each time you receive care.
To use VA benefits, you’ll need to get care at a VA medical center or other VA location. The VA also covers your care if they pre-authorize you (meaning we give you permission ahead of time) to get services in a non-VA hospital or other care setting. Keep in mind that you may need to pay a VA copayment for non-service-connected care.
If you go to a non-VA care setting, Medicare may pay for your care. Or, if the VA only authorizes some services in a non-VA location, then Medicare may pay for other services you may need during your stay. Check your Medicare plan so you know which care locations and services you’re covered for.
Health Savings Account (HSA) And VA Care
Can you use your Health Savings Account (HSA) or Health Reimbursement Arrangement (HRA) to help pay for VA care for non-service-connected conditions?
Yes. The VA may bill and accept reimbursement from High Deductible Health Plans (HDHPs) for medical care and services to treat your non-service-connected conditions. If you have an HDHP linked to an HSA, you can use your HSA to pay your VA copayments for non-service-connected care.
The VA may also accept reimbursement from HRAs for care the VA provides to treat your non-service-connected conditions.
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When you exercise or reduce calories your fat is changed in to water and carbon dioxide. The water mixes into your circulation until it’s lost as urine or sweat and you exhale the carbon dioxide.
You lose more weight through exhaling the carbon dioxide than you do in your urine or sweat. Sounds crazy doesn’t it!
Just about everything we eat is removed via our lungs. This applies to all the carbohydrate, proteins and fats that we eat are changed into water and carbon dioxide, even alcohol is removed via the lungs and urine.
Only dietary fibre goes in to your colon. Everything else you ingest goes into your organs and bloodstream and then evaporated in your breathing.
To keep your knees healthy, follow these simple tips. Dos for Healthy Knees: Always see a doctor if you experience knee pain that is not relieved by several days of rest, ice, massage, and elevation. Back off from activities such as walking hills or knee-bending exercises that cause you pain.
Protect Your Brain: You can effect conditions like Alzheimer’s /Dementia, depression and your health by getting in the habit of only a half hour a day of physical activity at least three times a week. Alzheimer’s /Dementia, depression and your health by getting in the habit of only a half hour a day of physical activity at least three times a week.
The open enrollment period for Medicare Part D closed earlier this month, but there is another way to save money on your prescription drug coverage you can explore. EPIC (Elderly Pharmaceutical Insurance Coverage), is a New York State program that provides supplementary drug coverage and premium assistance for seniors with Medicare Part D. As an added benefit, EPIC enrollees are able to change their Part D plan outside of the open enrollment period one time, any time during the year.
EPIC is open to any New York State resident who is age 65 or older and has an income up to $75,000 if single or $100,000 if married. To receive EPIC benefits, you must be enrolled in a Part D plan. EPIC may even help pay the Medicare Part D drug plan premiums for members with income up to $23,000 if single or $29,000 if married. Higher income members are required to pay their own Part D premiums, but EPIC provides premium assistance by lowering their EPIC deductible.
Seniors who are not eligible to join a Medicare Part D drug plan cannot join EPIC. Examples of ineligible seniors include those with a union/retiree drug subsidy program that is not a Part D plan, and seniors without Medicare Part A or Medicare Part B. Seniors with Medicare Advantage health insurance can only join EPIC if they have Part D drug coverage with their HMO.
It is very important to show both your EPIC ID card and the Medicare Part D plan card at your pharmacy to receive the maximum prescription benefits.
Two other important things to know:
A senior who receives full Medicaid benefits is not eligible for EPIC.
If your Part D drug plan has an annual deductible, you must pay the deductible before EPIC coverage will begin.
In a 2016 study, researchers found evidence that the popular mouthwash Listerine can control gonorrhea bacteria in people’s mouth and throat.
While the antibacterial fluid is used to kill harmful oral bacteria, researchers of the new study said that it could also be indiscriminately killing the beneficial strains of microbes that provide protection against obesity and diabetes, as well as those that help the body produce nitric oxide.
Nitric oxide helps regulate the insulin levels of the body. It plays an important role in regulating metabolism, balancing energy, and keeping the body’s sugar levels in check.
Frequency Of Use
Mouth washes act on all bacteria in the mouth, the good and the bad. By removing the good bacteria it permits the harmful bacteria to grow and increase.
Latest research is recommending that you should limit your use of mouthwash to just once a day to avoid eliminating the helpful bacteria in the mouth.
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