Seniors Health and Fitness – Keeping Fit and Active Tips

In this article you will discover a few health tips suitable for anyone retiring and is concerned about keeping active. When we do retire after our working life, it could be a relief to spend some time at home without the stress of commuting to our workplace; and it is great to not have to do this anymore. But what do we do after the honeymoon period of being free from work? First we will search for health and fitness tips, maybe health magazines or even health related articles like this one.


A great many of us will have gardens that need a little more attention than they received whilst we were working. Here is our first choice activity, and you might discover that you have some neighbours who are also recently retired. You will at least be able to communicate or even swap gardening tips. If this is your chosen activity why not join a gardening club or allotment society, there is no reason to become a loner, friends help keep your hobby interesting.

Brisk Walking.

Moving away from the garden and the toil of the soil, you will find Walking to be a superb fitness activity. Hopefully you will find yourself still quite active after your 40 or so years of work. Most people who had to travel to work would use the car or travel by bus or train, not much walking; so walking at a brisk pace should get your heart pumping and your muscles working well. To get you out of the house on a regular basis why not choose a target, say a store about 10 to 15 minutes away from home, maybe the newsagent, take a brisk walk and get your own newspaper every day rather than have it delivered. If your target is something you want or need you will find this will encourage you to get out and about; you will also be communicating with others, this too is important in retirement.

Visit the Gym.

Another really good activity is to go to your local gym. Here you will meet like-minded people, especially if you choose a keep fit program or say an aerobics class for seniors, again you will not be alone in this environment and the gym usually have professional rainers for help and advice.

Golfing with friends.

Myself I am a golf nut. I love to play although it can be expensive so I do need another activity to run alongside this passion. Golf itself is a great walk for 2 to 4 hours in a cultivated countryside setting; this can be quite beautiful and breathtaking at times. But most of all you get to be out of doors with your friends and golf partners. Did I say I love golf? LoL.

Hiking and Rambling.

If you have retired and have a partner, even if you do not, most health fitness articles will tell you purpose walking can an extremely good Hobby and one way to enjoy this activity is to join a hiking or rambling club. Because these are organised walks you will be with other people you know or will get to know, and you will have the security of others with you should it get to be a struggle. However this is great for getting about to see the places you always wanted to visit. Maybe your club could plan the odd trip to a beach, where you could take in the sun, or just swim a little. Club Swimming is another great activity and there are swimming clubs you can join so you do not have to be alone in this either. Imagine regular visits to a swimming club and all that weightless invigorating exercise. Who knows you may be near enough to walk to your swimming club.

Join a Dancing Club.

With all this extra activity and meeting others on a regular basis usually leads to social outings or even social evenings and possibly dancing. Which leads me to another popular activity, that of dancing. There are many dancing clubs for all types of dance, some really active and some a little more gentle. It is always good to be with others and have fun whilst actually exercising. I bet it will take you back a few years as well.

Health and Fitness Tips.

There are many other activities you may wish to pursue as you look forward to your free time, maybe join a painting club, a Tai Chi, or Yoga club. The main thing is to not just sit back and do nothing, take action and socialise, this is important too. Keep the brain and the body active. In the words of a popular saying; if you do not use it, you will lose it. The very best health tip I can give you is to have fun, make your chosen activity a fun activity.

Medicare Part A – Coverage For Hospitalization

The  Medicare  program was created to help Americans and permanent residents over the age of 65 pay for medical expenses. It is run by the federal government and administered by the Centers for  Medicare  & Medicaid Services.

It was not designed to cover everything, nor does it pay for 100% of services and supplies that are needed. Although there are many options for individuals to supplement the original program, senior citizens are automatically enrolled in  Medicare  Part A, effective the month they turn 65. It pays for inpatient hospital expenses. Part B is an optional plan.

Whereas  Medicare  Part A benefits are available at no charge for most people, there is a premium for Part B as well as for all supplement plans. If an individual has not been employed at least 40 quarters, or 10 years in positions that pay into the  Medicare  system, there is a monthly fee.

In 2010, the premium for those who have worked 30 to 39 quarters is $254.00. For those who have fewer than 30 quarters of eligible work experience, the premium is $461.00. Originally intended only for inpatient hospital stays, it now covers some home health care and stays at skilled nursing facilities.

For each benefit period, the program covers all pertinent expenses except the  Medicare  Part A deductible during the initial 60 days as well as coinsurance expenses for those more than 60 days, but less than 150. For 2010, the deductible in this scenario is $1,100.00.

Under the plan guidelines, individuals pay $1,100 for hospital stays up to 60 days. For the time frame of 61 to 90 days, $275 is the daily out of pocket expense. For days 91-150, individuals are responsible for $550 per day and all costs after 150 days.

For inpatient stays at a skilled nursing facility, coinsurance is $137.50 per day for days 21 through 100 of each benefit period.  Medicare  Part A is only a portion of the insurance coverage that senior citizens can take advantage of once they have reached the age of 65.  Medicare  Part B covers physician’s services, outpatient services at a qualified facility as well as home  health  and durable medical equipment.

The program includes A through L standardized plans, most of which are administered by private insurance companies. They offer the coverage needed on an individual basis to ensure seniors get the care they need at a cost effective price.

Medicare Dental Benefits – Where To Get Them

Where are my Medicare dental benefits?

If you have asked this question, you are not alone. Many people who have become Medicare-eligible have either been surprised or dumb founded to learn, that for the most part, Medicare dental benefits are nearly non-existent. In fact, there are very few circumstances when Medicare will cover dental procedures.

Medicare is not comprehensive health coverage and there are several gaps that are the responsibility of the Medicare beneficiary. There is a mandatory deductible for hospitalization and 20% co-insurance required for outpatient procedures.

The Medicare legislation also includes a statutory dental exclusion. This exclusion states that:

“where such expenses are for services in connection with the care, treatment, filling, removal, or replacement of teeth or structures directly supporting teeth, except that payment may be made under part A in the case of inpatient hospital services in connection with the provision of such dental services if the individual, because of his underlying medical condition and clinical status or because of the severity of the dental procedure, requires hospitalization in connection with the provision of such services.”

In 1980 the exclusion was amended to allow Medicare dental benefits for inpatient hospital services when the dental procedure itself made hospitalization necessary. Medicare will also pay for dental services that are part of a covered expense. This could include reconstruction of the jaw due to an injury. Medicare dental benefits are also available for the extraction of teeth related to radiation treatment and in some cases will pay for an oral exam (but not treatment) prior to kidney transplants or heart valve surgery.

Medigap will not help – an Advantage plan may

Purchasing a Medigap insurance policy will not get you dental coverage. Medigap policies do not include dental benefits and only the gaps from a covered procedure will be paid. By definition, a Medigap policy will fill the gaps of Medicare covered claims, not offer additional benefits.

The only opportunity to receive dental benefits beyond what’s included in Medicare, is to enroll in a Medicare Advantage plan that includes dental benefits. Not all Medicare Advantage plans include dental benefits and many that do, only offer discounts for certain procedures.

An Advantage plan is not a Medicare supplement, but rather another way to receive your Medicare benefits. One benefit of an Advantage plan is the ability to receive benefits that are beyond what Medicare provides. Before you enroll in a Medicare advantage plan you should understand the differences between a Medigap policy and an Advantage plan.

Not all Advantage plans are created equal. Some will include the extra benefits that you are looking for and others will not. Some will offer only discounts on dental services, while other will include dental insurance as part of the plan. Compare Medicare Advantage plans online to determine which plans include the right Medicare dental benefits for you.

Dental Health Care Tips

Teeth are one of the parts of our body that we hardly care about these days. Many people around the world tend to brush for very few seconds and rush off with the whole process. In such a competitive environment they can’t be blamed for doing so. But the body doesn’t agree to your whims and fancies. You need to take care of it in every possible manner to keep it healthy and fit. The same goes for the tooth as well. One needs to take care of his teeth and maintain it properly.

There are many diseases that are caused due to improper brushing. Some of the symptoms of these diseases can be bleeding of gums, tooth ache, sensitive enamel and many more. While some may think that these are completely normal in a human being your dentist might have a completely different opinion about them. Visiting the dentist on a regular basis can be very helpful and useful in protecting your teeth.

Some of the dental health care tips that you can take to protect your teeth are:

  1. Always take time to brush your teeth. Quickening of the brushing process is not advisable as it will only lead to improper brushing.
  2. Applying unnecessary pressure or using very hard bristles can hurt your gums and weaken them. The idea of using hard bristles to whiten your teeth is just a fantasy. In fact using hard bristles can hurt your teeth.
  3. Make it a point to clean your mouth after every meal. This will help you in preventing the deposition of unnecessary sediments on your tooth.
  4. One can try dry brushing (brushing without toothpaste once in a while.

These are some of the dental health care [] tips which can be followed. There are many other ways to protect your teeth. Use of baking soda can help you to avoid plaque. Besides, due to its nature, it can neutralize the acidic content in the mouth. This baking soda can be mixed with water and made into a paste. This paste is then applied on the base line of the gums. This should be done at least twice a week in order to observe the results.

One must always take care of their body in order to stay healthy and fit. But one must not ignore the dental care as well. Visiting your dentist is the perfect way to do it.

Acquire Quality Rates on Senior Health Insurance

With increased age and health complications people require frequent claims from insurance policies from where they can claim their individual expenses. Senior health insurance is of the utmost need. However, the question looming large at this point is how one can acquire quality senior health insurance. Since people at this age are at a higher risk zone, insurance policy outlines are not outlaid by thinking about their benefits.

The state sponsored senior health insurance programs like the Medicare provides low cost health insurances to people. However, Medicare only covers for few expenses that the subject is most often pushed to bear for any complications. There is a huge gap between the actual expenses and the expense that Medicare would cover at this point.

Medicare does not cover the annual check ups you need to make for your health. This necessitates the requirement of another plan which would cover the loopholes in the Medicare. There are two types of insurance plan for the seniors. One is the HMO plan and the other is the PPO policy.

For applying for Medicare one has to be above the age of 65 years. If any individual happen to be retired, but below the age of 65 years, they are then not applicable for Medicare. At this point, they might end up uninsured. These are few of the benefit that a Medicare insured individual may enjoy:

Claim to the expenses that are brought in by any doctors and at any medical facilities.

Coverage for services provided for occupational treatments as well as physical therapeutic expenses.

Any sort of charge or expense that the individual suffers for using any medical equipment. The subjects are also covered for using outpatient facilities.

Any sort of expense that the individual suffers for charges on any kind of prescription drugs.

Medicare offers coverage for in-patient care at any hospital, nursing home or hospice.

According to the recent changes that have been brought it, the policy holder can enjoy the benefits of the Medicare policy by choosing the one that they might want to avail. Apart fro Medicare or over an above the Medicare benefits one can opt for affordable senior health insurances. It is necessary that one knows the exact route to find the best health care policies for them.

Online portals will provide you the best help altogether. You can ask for quotes from different companies. You can compare the quotes you can get in touch with the concerned policy provider. You can get in touch with consultants who are experienced in the field of insurance and can provide you with the right outlines to follow. The internet also carries different reviews on different products aimed for the insurances in health.

The market of insurances for health is as competitive as the other insurances field. The consultants and the company are always on the lookout for leads on insurances. As such, one may get immediate reposes from different policy provider when one expresses ones desire to do buy one.

Don’t Miss Medicare Advantage Plans’ Savings

Many people think that once they select a plan to supplement their  Medicare  benefits, they’re done. For better or worse,  health  insurance options change every year, and  Medicare , itself, has been changing recently. The coverage that offers the most benefits at the best value this year may be outdated next year. The only way to know that is to compare  Medicare  Supplement Insurance and  Medicare  Advantage Plans regularly.

One of those opportunities arises every year. From October 15 to December 7, you can join one of the  Medicare  Advantage plans. That’s the only time of year that most of these plans are open after the original sign-up period when you first become eligible for  Medicare . Medigap Insurance, however, is available throughout the year.

With  Medicare  alone, beneficiaries can incur out-of-pocket costs for both doctor and hospital bills. Few realize than  Medicare  Advantage plans are considered to be a part of  Medicare  – Part C actually – and Advantage plans get government subsidies. In some cases, they literally have $0 premiums, which means they cost no more than you’re already paying for Part B premiums.

Unfortunately,  Medicare  Advantage plans are not universally available. Some areas of the country, particularly urban centers, have dozens of choices. In rural areas, few such plans may be available, though. All Advantage plans come from private  health  insurance companies, so they are not equally distributed to all  Medicare  recipients.

Where Advantage plans are available, they typically expand on  Medicare’s  coverage. Most add benefits to help with dental services, eyeglasses and hearing aids. Many prescriptions, but not all, are also usually covered. Approximately 11.7 million beneficiaries have substituted  Medicare  Advantage plans for  Medicare  coverage, and nine million supplement  Medicare  with a Medigap Insurance plan.

Compare  Medicare  Advantage Plans From Different Insurance Companies

It’s just like shopping for any major purchase. The best way to save premium dollars is to compare different MA plans offered by various insurance companies.

Advantage plans do have to comply with  Medicare  rules. In addition, MA plans are now rated for quality on a five-star scale. Plans with the highest rating can get more federal subsidies, which is expected to keep premiums low. So far, not many plans are earning five stars, but the rating system is new. More companies will probably start to compete harder for the extra earnings.

Since these plans do come from private companies, you’ll find a lot of variance in the rules. Some of the most important considerations are whether individual plans cover your doctor and your medicine. Not all plans cover every prescription drug. These plans also have their own network of doctors and hospitals that have negotiated to keep charges low. Most Advantage plans will not cover treatment obtained from beyond their network.

If comparing different coverage options sounds like too much of a challenge, it’s pretty easy to get assistance without having to pay for the help. Independent health insurance brokers don’t work for any particular insurance company. They have contracts with several different insurers to offer their plans. These brokers are free to help you compare costs and coverage from different companies and they can shorten and simplify your search for  Medicare  Supplement insurance. You can find brokers who offer this kind of assistance at no charge on the Internet.

What Are The Different Options Under Medicare Coverage?

Types of  Medicare  Plans:

Part A:

Part A involves coverage for expenses incurred during hospital stays. It is also known as Hospital Insurance, and helps pay for expenses incurred for 90 days of hospital care, after a minimal annual deductible is paid. The expenses covered during hospital stay include:

  • Meals
  • Medical tests
  • Semi-private room
  • Medical supplies
  • Blood transfusion after the first 3 pints
  • Intensive care unit
  • Operating room
  • Coronary care unit
  • Medication furnished by the hospital

This plan also pays for procedures such as physical therapy, occupational and speech therapy. Care at skilled nursing homes and medically necessary equipments such as wheelchairs and walkers are also covered under this plan.  Medicare  coverage under part A is usually available without co-pay.

Plan B:

This plan covers for expenses incurred for outpatient services that include charges for medical visits; hospital visits on outpatient basis, and other services that are approved as medically necessary. Requirements that are covered under this plan include various lab tests, home health visits, dialysis, outpatient procedures, vaccinations, ambulance service, chemotherapy, wheelchairs, walkers, etc. Even though enrollment in Part B is automatic, it is not free. You will need to pay a monthly premium as well as annual deductible to avail the benefits.

Part C:

Plan C is a combination of plan A and B. However, the main difference is that plan C is offered by private insurance companies that are approved by  Medicare . The plan offers some extra benefits at a more affordable premium, and may also include cover for prescription drugs.

Part D:

Part D covers the cost of prescription drugs. It was designed with the intention of helping people to lessen the cost of prescription medication, which is the most expensive part of healthcare. It is the most popular plan as it covers the cost of medication and also enables you to have greater access to necessary drugs.


To be eligible for  Medicare  coverage, there is a certain eligibility criteria that one needs to fulfill. These guidelines are with regards to age, nationality and various other factors. To be eligible, people should be 65 years or above. People below 65 can be eligible, but this is only if the person is disabled or suffering from kidney disorder or end stage renal diseases.

Applicants should be U.S citizens in order to be eligible to apply for  Medicare . Non Americans can also be eligible provided they gain U.S citizenship at least 5 years prior to applying for the program. Applicants can also be eligible if their spouse has worked for minimum 10 years and paid premiums into the  Medicare  system.

The criteria for eligibility are not very complicated and anyone over or even under the age of 65 can avail of the benefits, provided they fulfill the criteria. Depending on your healthcare needs, you should compare the different plans offered and enroll in a plan that best suits your needs.

Medicare Enrollment – Eligibility and Enrollment Periods

There are two groups of people who are eligible to receive  Medicare  benefits. The first consists of Americans and permanent residents who have paid into the program for at least ten years and are over the age of 65. The second group is made up of individuals who are younger than 65, but have certain disabilities and illnesses. There has been a lot of publicity about the complexities of signing up for the program in recent years.

However,  Medicare  enrollment is easy and in many cases people are signed up automatically. This is generally true for those people who are getting ready to turn 65 and who are receiving Social Security checks. The  Medicare  ID card will arrive in the mail approximately three months before their birthday. Benefits are automatically activated on the first day of their birth month.

For those not already receiving Social Security checks, they must contact the Social Security Administration. This is the department that handles the enrollment. To ensure benefits start on time, it should be done at least three months before the 65th birthday.  Medicare  enrollment for those under the age of 65 is possible if they have certain diseases or illnesses such as Lou Gehrig’s Disease or kidney failure.

If an individual suffers from Lou Gehrig’s Disease (ALS), they are usually enrolled automatically when they begin receiving their Social Security Disability benefits. There is no waiting period needed. For those who are suffering from kidney failure, they must have end-stage renal disease and require a transplant or dialysis.  Medicare  benefits can be received three months after dialysis has started.

Contact with the Social Security Administration must be made for  Medicare  enrollment. It is not done automatically. For other disabilities,  Medicare  benefits can begin two years after Social Security benefits are approved. Generally speaking,  Medicare  limits the ability to add or drop coverage options after specific enrollment periods.

It is best for  Medicare  enrollment to take place during the initial enrollment period. During this time, qualified individuals can sign up for any coverage they want. Once enrollment is complete and plan options have been made, there are specific periods throughout the year when changes can be made.

In some programs, such as  Medicare  Part B, there are penalties for those who do not sign up during the initial enrollment period. This means that a higher monthly fee will be required if they sign up later.

E-Prescribing Medicare Incentive Program

According to The Washington Post, the eHealth Initiative estimates that only about 2 percent of prescriptions written in the United States are transmitted electronically. However,  Medicare’s  E-Prescribing Incentive Program may motivate more physicians to convert from paper-based prescriptions to e-prescribing.

The  Medicare  e-prescribing incentive is a new program authorized under the  Medicare  Improvements for Patients and Providers Act of 2008 (MIPPA). MIPPA authorizes incentive payments for eligible professionals who are successful e prescribers.

Currently, the e-prescribing incentive program is based on one quality measure that is incorporated in the Physician Quality Reporting Initiative (PQRI). The PQRI is a reporting program that provides an incentive payment to eligible professionals who report data on a selected set of quality measures for covered professional services furnished during the appropriate reporting period.

The e-prescribing quality measure will be removed from the PQRI and will become the quality measure for the E-Prescribing Incentive Program starting 2009. Moreover, this means by next year a physician or any other eligible professional could possibly receive two incentive payments: one under the E-Prescribing Incentive Program and the other from PQRI. However, specifications for the 2009 e-prescribing incentive measures are somewhat different from the 2008 PQRI program.

Eligibility will be further restricted by scope of practice to professionals who will have prescribing authority in 2009. An eligible professional must report the e-prescribing quality measure on at least 50 percent of applicable cases during the reporting year in order to be counted as a successful e prescriber. E-prescribing incentive amounts will be 2% of the total estimated allowed charges for professional services covered by  Medicare  Part B and furnished by an eligible professional during the reporting period (one year). To go in more detail, the incentive payments will be set at 2 percent for 2009 and 2010, 1 percent for 2011 and 2012, and 0.5 percent for 2013.

A penalty will arise in 2012 for not successfully satisfying e-prescribing requirements (eligible professionals who are not “successful e prescribers”). The penalty will result in a percentage reduction in  Medicare  physician fee schedule payments equal to 1 percent for 2012, 1.5 percent for 2013, and 2 percent for 2014 and subsequent years.

An eligible professional does not have to enroll to participate in the E-Prescribing Incentive Program. Furthermore, an eligible professional does not need to participate in PQRI to participate in this incentive program.

Starting January 1, 2009, eligible professionals may participate in the E-Prescribing Incentive Program by submitting information required by the e-prescribing measure on their  Medicare  Part B claims.

Additional information on the implementation of the E-Prescribing Incentive Program for 2009 can be found in the final 2009  Medicare  Physician Fee Schedule Final Rule.

India, Daman

I visited Daman when I was for the first time in India. The town can easily be reached with a train or bus if you are a backpacker on budget or you can hire a car. We chose the train. Sadly it used to stop after every ten meters, but after 6 hours and approximately 200 kilometers of absolute boredom we were in Vapi train station. From there you have to take a taxi or a rickshaw to the Daman.

Unlike Goa the Daman is not a popular western tourist destination. Therefore the first thing you would notice is that there are no touts and you don’t have to fight of army of rickshaw drivers, like in popular tourist spot and finding one that speaks English is even harder than you might think. Also the town has very few beggars. Daman is very popular destination for the Indian tourists from the nearby cities, therefore finding a hotel is easy. There are numerous hotels in the Daman itself but you might be better off finding a good hotel on the beach going a couple of kilometers north to Devka Beach. The beach is really not very good, for sure it’s not good for swimming because it’s too rocky and unlike Goa or the Beaches of Mumbai nobody’s here’s used to half naked ladies in swimsuit’s. The other ting with the beach is that there are packs of dogs and you should avoid those.

There are some touristy spots in the Daman town, like the old Portuguese fort, a small amusement park in Devka Beach, but basically that’s it. However there is another reason why this place is so popular among Indian weekend tourists – dirt cheap alcohol. And I really mean cheap and accessible. Numerous liquor stores can be found in Daman. A bottle of locally produced vodka costs somewhere around 70 Rs (1.4 USD), that’s how cheap it is. You can buy all sorts of alcoholic beverages here, however you can be sure that it’s manufactured just around the corner even if it says “Finlandia” or “Smirnoff” on the bottle. The downside it all is that there are a lot of drunk Indian tourists, they are generally friendly but kind of annoying. I would suggest avoiding having too many vodka shots with the average male Indian tourist. The cheap alcohol however cannot be taken outside the town borders and there are police checks on the roads. The locals are really nice and during the day it’s safe to walk around practically everywhere. The rickshaws and taxis are harder to catch than in the touristy places, but they cost less: a rickshaw in Daman will cost about 30 Rs; a taxi ride to Vapi train station will cost somewhere about 120 Rs.

Overall Daman is a nice place to spend one or two days after that it’s starting to get boring as the town offers a little entertainment. alicevbheatherta alicevbheatherta aliceananabinar aliceananabinar katherinehjjudith katherinehjjudith Agustus stable Edu