Applying for Medicare supplement plans

Medicare supplement plans have become general term these days. Many people are interested in such plans to provide their family better health care.

What these plans are?

Medicare supplement plans as the name suggest supplement the cost of health care. In general Medicare plans also called Part A and Part B; some of the major health care is left out. Thus, private insurance company provides such supplement plans to help you take care of health care cost not considered in general Medicare plan. Medicare supplement plans provide policy for health care during foreign travel, some prescribed drug cost and so on.

Suppose you are in need of Medicare supplements plans and want to apply for it. Before applying for an Cigna Medicare supplement plan at you need to learn some details that will make the process easier for you.

Applying for Medicare supplement plans

Various things that one must know before applying for Medicare supplement plans are as follows.

  • Before taking Medicare supplement plans one must have already taken Medicare plans Part A and Part B. You are eligible to take Medicare supplement plans only after you have Medicare plans Part A and Part B. Moreover, you need to be 65 years or older and have diagnosis of end stage renal disease or other certain disability.
  • Medicare supplement plans don’t cover all hospital cost, but are meant to pay some of the cost that you are unable to pay. If you want insurance to pay your entire hospital bill, you have Medicare plans part A and part B.
  • Medicare supplement plans rarely include prescription drug cost.
  • In United States of America, Federal law doesn’t allow insurance company to sell supplement plans to one under 65. If you are under 65 you can take general Medicare plans Part A and Part B. Medicare supplement plans are generally recommended for one above 65. If you are under 65 and have end stage renal disease or certain disability, you can apply for the plans. The approval of plan generally depends on your physical condition and need.
  • One must also know about advantage and disadvantages of Medicare supplement plans and how it is different from Medicare advantage plans.


These are the things one must know before applying for Medicare supplement plans because one might get confused later about the plans and may be unable to take proper advantage from the Medicare supplement plans. So, take care of these things and if you are eligible, please apply for such Medicare supplement plans and stay healthier.

Great Travel Websites for seniors

When it comes to travel for seniors you should be careful to select the best sites that will blow your mind with joy. At this age there is nothing more important than having a happy and fulfilling life. Whether you are travelling alone or you are travelling as a group or a family, you deserve the better option to travel the world. This is the time that you want your money to work for you. Why don’t you go for the best them?

There are many ways to find the best destination for you. You should ask yourself there three questions

  • What do you want to achieve by travelling
  • What is your budget
  • Do you have any health issue that can deter you from some places

The answer to these three questions will lead you to the best choice. Then, how do you get the right destination regarding your answer.

Here are four great websites that specialize with senior destinations


medigap plans 2019

AARP is a great site to explore for any senior travel sites in US and around the world. AARP will provide with travel tips, major destinations and the average cost that you will incur during your travel. The site is very elaborate as you have an various options to search your destinations with. You can filter destinations depending with your budget, the kind of sceneries you want to a specific destination. It will provide you with estimated flight costs that you can be able to budget for the travel.


This is a great website for seniors who are looking for adventure travels. It is specifically designed for seniors above 50 years old. It will provide you great travelling destinations around the world. This site is very easy to navigate and go directly to what you are looking for.

Medigap Plans in 2019 should be on everyone’s list to help pay deductibles and coinsurance not covered by Medicare. You are on Medicare aren’t you? If not you’d better see if you can sign up right away before you start traveling. These plans can provide the extra piece of mind when you’re overseas especially as they have a foreign travel benefit.

Over 50 and overseas

This site is specifically for people over 50 years of age who want destinations specializing with volunteering. Many senior people find joy in volunteering after they retire to help others. Volunteering also help them to keep their mind active which is good for their health. Over 50 and overseas provide various opportunities for seniors to volunteer and voluntourism. They communicate with members through their sites on various programs scheduled in the year so that they may prepare on time.


The above three websites represents three various reasons for a senior travel.  AARP specialize on cruises destinations, Eldertreks give a better choice for adventure travels while over 50 and overseas specializes on volunteering destinations. There are many other websites that specialize on seniors destination that you can get on the internet

Are people happy with Medicare Supplement Plan?

This is a question that most of those who are enrolled in other health insurance plans have been asking themselves. In fact, there are people who have been doubting the effectiveness and reliability of Medicare supplement plan simply because they have not encountered it before. However, some of those who have tasted the fruits of this plan have come out openly to give their testimonies that indeed this particular plan is the best in terms of covering those costs that may not or cannot be covered by the original Medicare plan. There are a number of reasons why those enrolled in Medicare supplement plan are happy about it.

Humana medicare advantage 2019The first reason is that Medicare plan is offered through private insurance companies. With this fact, they have expressed the fact that private insurance firms are better when it comes to processing payments and when it comes to remitting benefits to the beneficiaries. Unlike the government health entities, they say, this plan is helpful considering that it is more efficient than other public owned health entities. With public insurance organizations, the process of claiming benefits is said to be lengthy and complicated. This is what has made people happier to be enrolled with the Medicare supplement plan.

Secondly, this is a medigap plan that stands in each and every gap that has been left by the original Medicare plan. When something fills up the gap, it means that it has helped you in fitting up the missing links in health care. People who have enrolled in this plan have expressed their happiness given the fact that they are now able to medical and hospital costs that the original Medicare insurance doesn’t cover. These costs includes copayments, coinsurance and other yearly deductibles. This has been good news to people who have been longing to be enrolled in this particular plan. For other Medicare Advantage plans for 2019 visit

The other good thing that has made this plan popular is that it is even in a position to cover other expenses that may not be covered by other insurance covers. An example of such a health care service includes; the private nursing expenses. It is possible to organize for a cover where one will benefit from services offered by private nursing homes. This particular cover is the best for the disabled and the elderly. This is what original Medicare may not cover at all. The Medicare supplement plan has been a savior to many.

Medicare Supplement Plan G

When looking into acquiring a Medicare supplement plan they will find Medicare supplement Plan G is very similar to Plan F in the benefits they provide. These two Medigap plans seem to have the best coverage likened to the other ten Medicare supplement insurance plans. The difference between Medicare supplement Plan F and Plan G is that Plan G does not cover the Medicare Part B deductible. This will be the individuals out of pockets costs.

Medicare Part B deductible can change from year to year and the patient will have to pay all of this deductible before Medicare will start paying. After that, your Medicare supplement plan will pay the 20% medical expenses that Medicare Part A and Medicare Part B does not take care of. These expenses may be for specialists and medical equipment one may need for their medical problem.

As all Medicare supplement plans help with the cost of the 20% remaining medical costs, Medicare supplement plan G will help with the following costs.

Medicare Part A deductible

Medicare Part A inpatient hospital coinsurance past the 365 Medicare has already paid

Medicare Part A hospice copayments or coinsurance

Medicare Part B coinsurance or copayment

Medicare Part B excess charge

First three pints of blood needed for your care

Nursing home care

Medical care in a foreign country (up to 80%)

Medicare supplement Plan G and Medicare Part B excess    charges

One thing you see is that Medicare supplement Plan G covers Medicare Part B excess charges, which most of the Medicare supplement plans do not cover. Medicare supplement plan F is another plan that covers this advantage. The additional medical services are the medical costs Part B excess charges which most Medicare supplement plans do not take care of. Medicare has established certain amounts that it will pay for medical services and will only pay that amount. This is a Medicare fee schedule set up with rates the will control payments for medical service and specialists and what they may charge.

Let it be known that all Medicare supplement plans are standardized and are the same in all states. Some may not be available in all states, but the designated lettered plans A-L are the same. Each Insurance company will offer the plans, but the cost of the monthly premiums may vary greatly between each insurance company and will be different in the area in which you live.