Connect with us

Live Better

It pays to compare using Medicare’s new plan finder

Published

on

Explore your options before Medicare Open Enrollment ends Dec. 7

(Family Features) Medicare’s Open Enrollment period is the one time of year for you to review your current Medicare Advantage or Part D prescription coverage and see if you have better options based on changes to the current plans, your budget or your health needs. The Open Enrollment period, from Oct. 15 through Dec. 7, gives everyone with Medicare the opportunity to review their options and decide whether they want to keep their current plan or make changes for coverage beginning Jan. 1, 2020.

Comparing plans pays. Medicare’s most used tool, the Plan Finder, has a new look and features to empower current and future Medicare users to make informed health care decisions, making it easier to learn about and compare coverage options, shop for health and drug plans and feel confident choosing a plan that best meets your needs.

Plan Finder provides a personalized experience through a mobile-friendly and easy-to-use design to help users learn about different options. The tool walks through the enrollment process from start to finish and allows users to view and compare Part D and many of the supplemental benefits that Medicare Advantage plans offer. It also features a star rating system which gives an overall rating of the plan’s quality and performance for the types of services each plan offers.

Should You Change Your Plan for 2020?

Medicare health and drug plans change each year and so can your health needs. Think about your health status and determine if you need to make a change. Ask yourself these questions:

  • How does my plan compare to others in covering my drugs?
  • Are other plans more affordable?
  • Am I interested in having a plan that covers extra benefits like dental and vision?
  • Does the network include the specialist or hospital I want for an upcoming surgery?

Consider what matters most to you when it comes to health coverage and be open to exploring your options, like Medicare Advantage plans from private insurers, which allow you to simplify your coverage by combining all your Medicare health and drug coverage into a single plan. Users who choose a Medicare Advantage plan often get extra benefits, like vision, hearing, dental and prescription drug coverage. As another alternative, users who choose Medigap can use any doctor who accepts Medicare and receives help with out-of-pocket costs but need a Part D plan to cover their prescription drugs.

Take Action Before Open Enrollment Ends

Medicare Open Enrollment ends Dec. 7. Now is the time to act if you want to enroll in or make changes to your Medicare health or prescription drug plan for coverage beginning Jan. 1, 2020. If your current coverage still meets your needs, you don’t have to do anything. If you miss the Open Enrollment deadline, you will likely have to wait a full year before you are able to make changes to your Medicare coverage.

For more information, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227). TTY users can call 1-877-486-2048. Help is available 24 hours a day, including weekends. If you need help in a language other than English or Spanish, let the customer service representative know the language. You can also create a MyMedicare.gov account to manage your personal information like medical conditions, allergies and implanted devices or sign up to receive your “Medicare Summary Notices” (eMSNs) electronically.

Help in your community is available. Get personalized health insurance counseling at no cost to you from your State Health Insurance Assistance Program (SHIP). Visit shiptacenter.org or call 1-800-MEDICARE for your SHIP’s phone number.

More information about Medicare is also available on the Medicare Facebook page and by following @MedicareGov on Twitter.

What’s New with Plan Finder

Join the more than 20 million people who used Medicare’s Plan Finder during the 2018 Open Enrollment period. Here’s what can you find in 2019:

  • Personalized search to find and compare plans
  • More information about extra plan benefits
  • Improved comparison of coverage options
  • Simpler drug list built from prescriptions you filled

Get Help Paying for Prescriptions

Anyone who has Medicare can get prescription drug coverage. Some people with limited resources and income may also be able to get Extra Help to pay for monthly premiums, annual deductibles and prescription co-payments related to a Medicare prescription drug plan. If you have limited income and resources, you may qualify for Extra Help to pay for some health care and prescription drug costs.

Medicare estimates more than 2 million people with Medicare may be eligible for Extra Help but aren’t currently enrolled in the program. To qualify, your annual income must be less than $18,735 a year ($25,365 for married couples). Even if your annual income is higher, you may still qualify. Your resources must also be limited to $14,390 ($28,720 for married couples). Resources include bank accounts, stocks and bonds, but not your house, car or life insurance policies.

To see if you qualify, apply online at secure.ssa.gov/i1020/start or call 1-800-772-1213.

Information provided by the U.S. Department of Health & Human Services.


SOURCE:
Centers for Medicare & Medicaid Services

Continue Reading

Live Better

Explore your dream destination:Tips for a a travel adventure

Published

on

(Family Features) If you find yourself dreaming of sunshine, sand and sparkling pools, it may be time to start looking forward to your next vacation getaway. Get a jumpstart on building excitement for the journey ahead by beginning preparations early, which offers many benefits, including better rates and more time to research your options.

Start exploring ideas for a fun-filled trip with these tips from the travel experts at Funjet, which specializes in providing travelers with vacation packages to hundreds of destinations around the world:

Plan Ahead
Booking your vacation well in advance allows you to take advantage of the best deals at
the most popular hotels and hottest travel dates. In addition, by being flexible with travel dates,
families can save hundreds of dollars. Moving travel dates by a day or two can result in major savings, often even more than the discounts you can get on last-minute trips.

Research Dream Destinations
Deciding where you want to go is the first step, but with a literal world of possibilities, it can be difficult to narrow down your choices. One place you can find inspiration is by exploring the top travel destinations others are choosing. For example, the top 10 travel destinations booked with Funjet in 2023 include numerous international destinations. Las Vegas is the only U.S. city to make the top 10 list. Mexico is especially popular, with Cancun, Cozumel, Puerto Vallarta and San Jose Del Cabo. Others include Belize City, Belize; Liberia, Costa Rica; Montego Bay, Jamaica; Panama City, Panama; and Punta Cana, Dominican Republic.

Consider All-Inclusive Options
Whether you prefer adults-only or family-friendly, luxury or budget-friendly, there’s a diverse range of all-inclusive resorts to choose from. All-inclusives are known for their convenience and value. They offer hassle-free experiences with meals, drinks and often activities included. While many resorts in Mexico and the Caribbean islands are all-inclusive, be aware that smaller islands like Antigua may feature European plan-style hotels, where meals and drinks are not included.

An all-inclusive package usually encompasses a variety of activities and amenities curated to offer an enjoyable and cost-effective vacation. Within these packages, guests often have the opportunity to access amenities such as swimming pools, engage in sports activities, participate in fitness classes and other entertaining experiences.

Pack Like a Pro
Gathering everything you need for a vacation, especially with kids in tow, can be stressful. To make the process easier, organize your packing based on factors like the length of your trip, airline policies and your family’s activities. Essentials like an umbrella should not be overlooked, especially if your destination’s weather can be unpredictable. Maximize luggage space by packing travel-sized toiletries and put electronic necessities like your mobile device, charger and headphones in your carry-on bag.

Anticipate Extra Expenses
While all-inclusive resorts make tropical getaways stress-free and economical, it’s customary to express appreciation for exceptional service with tips. Resorts typically don’t require tipping, but guests commonly tip as a gesture of gratitude. When deciding to tip, families should consider modest amounts, like $1-5 per meal per person, and be mindful of different service levels as well as the convenience of using local currency. Having cash on hand makes it easier to tip as needed and ensure you have extra for souvenirs and other purchases.

Unplug and Unwind
Although most travelers believe it’s essential to stay connected, it’s a good idea to limit screen time so you can make the most of your vacation. Schedule a specific time, preferably in the morning, to address emails and online tasks then enjoy a worry-free rest of the day. While phones are often used to capture photos and videos or look up information about nearby attractions, putting away the screens means you’ll be able to enjoy the scenery, connect with loved ones and have a truly rejuvenating experience.

Protect Your Group Travel
When traveling with a group, there’s a greater chance of something happening that changes plans between when you book your trip and leave. That’s why it can be a good idea to take a “travel with confidence” approach and consider including a travel protection plan in your reservations. This insurance allows travelers to cancel their trip for any reason, if necessary. When traveling with a group, stick with nonstop flights when possible, as you’re more likely to stay together, which can mean more cost-effective travel.

Enjoy the Experiences
While spending leisure time by the resort pool with afternoon cocktails can be a relaxing reward, you can make the most of a destination vacation by also planning a tour. Many destinations offer services that can assist travelers with booking various adventures, ranging from catamaran cruises to hikes and almost everything in between.

Find more tips and plan your next adventure at Funjet.com or call your local travel advisor.

Where to Stay
Start planning your dream getaway by checking out these traveler-favorite destination properties, based on bookings through Funjet:

Top 10 All-Inclusive Resorts

  • Dreams Onyx Resort & Spa (Punta Cana, Dominican Republic)
  • Dreams Bahia Mita Surf & Spa Resort (Nayarit, Mexico)
  • Riu Caribe (Cancun, Mexico)
  • Riu Guanacaste (Costa Rica)
  • Riu Negril (Jamaica)
  • Iberostar Grand Paraiso (Riviera Maya, Mexico)
  • Riu Cancun (Mexico)
  • Royalton Riviera Cancun, An Autograph Collection (Mexico)
  • Secrets Maroma Beach Riviera Cancun (Quintana Roo, Mexico)
  • Secrets Huatulco Resort & Spa (Oaxaca, Mexico)

Highly Rated Hotels for Groups

  • Royalton Riviera Cancun, An Autograph Collection (Mexico)
  • Dreams Playa Mujeres Golf & Spa Resort (Quintana Roo, Mexico)
  • Dreams Flora Resort & Spa (Punta Cana, Dominican Republic)
  • Oasis Palm (Cancun, Mexico)
  • Hyatt Place Waikiki Beach (Honolulu, Hawaii)
  • Marival Emotions Resort & Suites (Nuevo Vallarta, Mexico)
  • Royalton Punta Cana, An Autograph Collection (Dominican Republic)
  • Manchebo Beach Resort & Spa (Oranjestad, Aruba)
  • Bahia Principe Grand La Romana (Dominican Republic)
  • Dreams Macao (Punta Cana, Dominican Republic)
  • Secrets Playa Blanca Costa Mujeres (Mexico)
  • Zoetry Agua Punta Cana (Dominican Republic)


SOURCE:
Funjet

Continue Reading

Live Better

Go green with home cleaners

Published

on

(Family Features) If you’re among those looking for ways to clean your home while also going green, it may be easier than you think.

Consider these easy and affordable solutions to help you live more environmentally friendly. You may be surprised to find you already have many of these household products on hand.

Baking soda: A natural, safe, effective and gentle solution, baking soda can serve multiple home cleaning needs. Make a paste of three parts baking soda to one part water. Rub onto silver with a clean cloth or sponge. Rinse thoroughly and dry for shining serving or decor pieces. Additionally, you can sprinkle baking soda on upholstery and carpet to get rid of odors.

Vinegar: With the acidity to help get rid of dirt and grime around the home, vinegar can be used to clean cloudy glassware. Simply soak paper towels or a cloth in full-strength white distilled vinegar and wrap around both the inside and outside of the glass. Let sit before rinsing clean. To remove lime deposits on your tea kettle, add 1/2 cup distilled white vinegar to the water and let it sit overnight. In the morning, boil the vinegar for a few minutes then rinse with water.

Lemons: With a fresh, natural smell, lemons have the acidity to remove soap scum, clean and shine brass and remove hard water deposits. Just spray some lemon juice on tile surfaces to remove soap scum or hard water deposits. Squeeze lemon juice on a cloth and use to polish brass around the home.

Houseplants: Plants serve as natural air purifiers. African violets and ferns are beautiful ways to help clear the air.

Other easy, green ideas for keeping your home clean include opening windows and doors while you clean to improve air quality and taking off your shoes when you come inside, which can help avoid tracking dust, dirt, pollen and more throughout the house.

Visit eLivingtoday.com for more eco-friendly advice.

Photo courtesy of Unsplash


SOURCE:
eLivingtoday.com

Continue Reading

Live Better

Tool to help hobbyists, professional get the job done

Published

on

(Family Features) Whether you’re into woodworking, metalworking, building models or another craft or hobby, the right tools allow you to work faster, easier and smarter.

A capable and versatile project partner, the IQ Vise System by Work IQ Tools is a problem-solving bench vise system that is transforming the way DIYers, craftsmen, hobbyists, makers and pros get the job done. It features a ball and socket design that articulates and rotates 360 degrees for optimal work positioning while complementing task-specific jaw sleeves are crafted to create the perfect grip for an extensive range of shapes and materials.

Plus, with four ports built directly into the vise, you can attach the plug-and-play workshop accessories including the IQ Connect Work Light, Magnifying Glass and Cell Phone Holder directly to the vise or take them where you need them around your workspace.

With three mounts – a bench mount to screw directly into your workbench or stud wall, a magnetic mount that can attach to any metal surface and a clamp mount that functions like a common c-clamp for quick and temporary mounting to any surface edge 2 1/4 inches or under – it’s like having an extra set of hands to help tackle whatever project you’re taking on.

Find more tools to help you work smarter at workiqtools.com.

https://youtube.com/watch?v=lkSVaIVDVtE%3Fmodestbranding%3D1%26rel%3D0%26showinfo%3D0


SOURCE:
WorkIQTools.com

Continue Reading
Ad
Ad
Ad
Ad
Ad

Trending