Modernizing the Senior Assisted Living

With the number of elderly people in North America on a permanent rise, the senior living industry is in a need of constant adaptations. Based on research and specific studies of what seniors are looking for, senior living centers have started adapting programs and amenities in order to attract this population group. In the last decade or so, there have been various customization innovations. These revelations took the senior’s experience within the assisted community to the next level.

This article will analyze some of the trending features in the assisted senior living communities


The first notable improvement is the inclusion of the technology in the assisted living communities. Many senior people tend to use the new technologies in order to stay in touch with friends, family, children. Also, many senior homes realized the fact that the baby boomers are present on the social media platform. Their daily use of these modern features has been quite remarkable and welcomed by their peers.

That is why many senior living communities have increased their computer labs and facilities in order to keep the seniors up-to-date with this ever-changing technology.



Another Essential feature are the various Recreation and Activity Programs.

It is well documented that staying active in the aging process can be the catalyst to having a healthy life. On that note, many assisted living communities have incorporated various recreation, fitness and wellness programs. Moreover, communities have turned these leisure activities into an platform for socializing and to meet other residents. Also through these activities they promote healthy lifestyle within the community. Combined with that, is the recreation staff. These staff members are usually experts in their fields and they prepare programs and activities that are adapted to the abilities of the residents.


An important change is the incorporation of numerous services and amenities. The assisted living centers have embraced beautiful resort style communities that offer the residents a broad spectrum of benefits. Some of the most notable are nutritionist meals, the outdoor amenities combined with the modern apartment features. Many of the senior living communities have incorporated several assistance options that are helpful with the daily activities of the seniors. Other retirement communities went even further by hiring the top chefs which have incorporated very healthy diet for the residents of the community.


A final but not less important is the constant upgrades and improvements of the medical technology and health. Many senior community living are serious in protecting the well-being of their residents. That is why the incorporation of concepts such as Electronic Aspirin, Needle-free diabetes care, Robotic check-ups and so on.

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Based on the fact that the baby boomers are retiring, the senior living communities are in a constant need to keep up with their needs and demands. By providing the most recent technological and living innovations, retirement communities will have the unique ability to stay up to date thus offering a comfortable lifestyle to their residents.



Supplemental Medicare Insurance – An Introduction

Medicare is capable of providing a great deal of medical coverage to most of the people that use it, but unfortunately, it does not provide coverage for everything that most people are going to need. Because of this, many people decide that they should buy an additional health insurance policy, allowing them to gain medical coverage in the areas that Medicare is currently falling short on. This type of policy is generally known as supplemental medical insurance or Medicare insurance coverage. This type of insurance coverage is purchased through a regular private insurance company.

Regular Medicare coverage plan may not cover some things which include nursing care and long-term care, custodial care, homemaker services, dentures, most types of dental care, private-duty nursing, international healthcare, routine foot care, cosmetic surgery, hearing aids, eyeglasses and routine eye care. Most of these things are big distresses for individuals that depend on Medicare for their insurance coverage, and this is what makes purchasing a supplemental Medicare insurance plan such as a wise idea for many people.

In most cases, you will be allowed to use the supplemental Medicare insurance that you purchase in order to cover the expenses that you have under your Medicare plan. This includes both annual co-pay amounts and your annual deductibles as well. This type of Medicare insurance is not ideal for every situation, so it is important to work with your insurance provider to find out what kind of supplemental insurance is going to benefit you and your health without requiring you to pay out more than you should have to. For example, if you are already part of a Medicare Part C plan, which is known as the Medicare Advantage Plan, then you should not purchase a Medigap supplemental insurance plan, but such a policy would not pay out.

The bottom line is this: Supplemental Medicare insurance is designed to fill in gaps between what Medicare plans are willing to pay and what you are required to pay out of your own pocket for coinsurance, deductibles and healthcare procedures that are not covered. Many supplemental Medicare insurance plans 2018 cover things that traditional Medicare plans do not, and this makes the supplemental insurance an important part of getting the most out of your Medicare health coverage. If you are presently depending on Medicare health insurance coverage but want additional coverage to fill in the gaps, a supplemental Medicare insurance plan is the best addition.





Disadvantages of Home Health Care

Much have been said about the benefits and advantages that the concept of Home Health Care is providing to the diverse patients. Many individuals would prefer to remain in the residence while receiving specific treatment or recovering from an injury or illness. Despite all the advantages, there are some important concerns of home health care that must be underlined.

The first and most common concern is closely related with the caregivers. To be more specific, there have been numerous cases where deficient caregivers have provided substandard care to the patient. Moreover a potential abuse, neglect and theft may go unnoticed and covered. That is why it is imperative when opting for home health care, to stay informed and check the background and professional history of the providers.


Another potential problem may be the lack of Emergency options. To be more specific, the patients receiving home health care does not have a constant access to health specialists in a case of an emergency. On the other hand patients in a hospital or assisted living institution usually have 24/7 access to several medically trained staff and other additional health specialists. This represents a great benefit especially in an emergency. Individuals using home health care may have to wait medical help to arrive to their residence, which may jeopardize their well-being and health.

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The third negative aspect is closely related with the level of Accommodating Settings. Most hospitals and assisted living centers have incorporated the universal design. This unique designing concept includes various ramps, support bars and tools, handrails, seats in showers cabins, toilet safety frames, seat riser and many others. On the other hand, the process of installing these specifications into some individual’s residence can be a prolonged and costly process. Additionally, the psychological element needs to be considered as many older adults will refuse using ramp of other assisting tools for fulfilling their daily activities. Nevertheless, this has the potential to implicate a severe injury due to falls or other accidents.

The final major obstacle is the potential element of isolation. This potential issue is closely related with the friends and family network that the patient has. In case the individual does not have many friends and relative, the possibility of leaving someone at home may ignite a lonely feeling and isolation thus potentially causing depression.This often happens in situations with elderly patients. In some situations, a nursing home or mental health NGO’s provide a health specialists or volunteers that visit these individuals in order to embrace connections.

That is why when making decisions, it is important to analyze the disadvantages of this type of health care. If an individual does not have solid network of friends and family, they will feel isolated and lonely at home.

On a final note, it is important to underline that the negative aspects of home health care are far outweighed by the advantages of home health care. However, every decision regarding home health care needs to be based on the individual’s current situation will be affected of the potential advantages and disadvantages.

Is Medicare Enough?

If you have Medicare Part A and Part B you may have great security, however this insurance may not verge on being sufficient coverage. Thus numerous Medicare recipients have supplemented their coverage or to pick a Medicare Part C policy as opposed to relying upon Original Medicare.


Medicare Part A protects you in the hospital, however not by any stretch of the imagination. You will have a deductible to pay. You have coinsurance to pay. There is a measure of days that you can be shrouded in the hospital before the majority of the expenses need to leave your pocket.


If the sum total of what you have is Part A and Medicare Part B, you will may need to pay a considerable sum for the expenses if you require hospital mind. In 2011, the Medicare hospital deductible will be $1,132. You won’t have different costs unless you are in the hospital longer then 60 days. If you remain longer, you should pay $283 a day for the following 30 days in the hospital.


If you are in the hospital longer than that amid one advantage period, you will begin utilizing your lifetime hold days. You will $566 a day to pay while you are utilizing your lifetime hold days. After you have depleted your lifetime hold days, you will be in charge of all costs.


Medicare Part C protects specialist’s visits. Notwithstanding, you will have a deductible to pay. You will have coinsurance to pay also.


In 2011 the Medicare deductible has gone up. The new sum for specialist visits will be $162. You should pay for 20% of expenses in abundance of the deductible up to the sum that Medicare affirms. You may likewise be in charge of any sum that your doctor charges that are in abundance of what Medicare favors.


Two things that neither Part A nor Medicare Part B covers well are Rx and long haul mind. Medicines got in the hospital are a piece of the hospital insurance. There is an extremely restricted measure of security gave by Medicare to gaining strength home remains.


You can get insurance for a large portion of the restorative costs that you may bring about by purchasing Medicare Part C and Medicare Part D, a Medicare Part C plan that covers medicines or a Medicare Supplement Plans 2018 and Medicare Part D.


Medicare Advantage arrangements are Part C plans. These are exceptionally prevalent alternatives today.


A Medicare Advantage policy can be almost comprehensive. It won’t cover long haul mind, yet it can give you much preferable insurance over Original Medicare alone. A significant part of the risk that you would have in the hospital will be eliminated. The same is valid in the specialist’s office.


These choices tend to pay inadequately or not in the least if you utilized health suppliers who are outside of the system for any non crisis treatment. Since crisis restorative care is secured, travel inside the United States shouldn’t be an issue inasmuch as you needn’t bother with routine treatment while you are far from home. This confinement can hurt you if you are a snowbird or you have a health condition that requires routine treatment when you are far from home.


These insurance strategies as a rule cover tranquilizes moreover. Some don’t, yet you can buy an independent prescription medication plan.


A Medicare Part D policy is otherwise called a Prescription Drug Plan. These approaches can dramatically lessen your costs for prescriptions. Prescription medication insurance is generally incorporated into Medicare Part C, however is never again incorporated into Medicare Supplement alternatives.

Medicare And Which Is Best For You?

There are different parts of Medicare. This health benefit is for people who are over the age of 65 years. Even someone under the age of 65 years can avail this if they have certain disabilities. The Medicare plan is divided into different parts.

Different parts of Medicare

There are four different parts under Medicare.

They are Part A, Part B, Part C and Part D.

The Part ‘A’ and Part ‘B’ comprises the Original Medicare. Part C is the Medicare advantage plans and Part D consist of Prescription drug Coverage.

Medicare Part A is about hospital coverage and Part B provides coverage for Medical coverage like doctor and clinical lab services, Home health care, screening and surgical fees and others. This coverage is provided by the government.

Part C of Medicare that is also known as Medicare advantage plans is a different way that provides coverage for both Part A and Part B. In one plan both the Part A that is hospital coverage and Part B that is medical coverage is combined. In case someone is interested to combine Part D too in the same plan then they can look out for Medicare Advantage Prescription Drug Plan. This will provide the cost of the prescription drugs too along with the medical and hospitalization cost.

Get enrolled to fetch long time benefit

When one need to enroll in Medicare plans they can go for Original Medicare by choosing both Part A and part B or either, or else get part C that is the Medical Advantage plans.  If someone gets a plan after checking out the Doctors lists, drug coverage and the rating by federal government they can be benefitted when they are under any treatment. There are many situation when one have to undergo medical treatment. If these plans are there for elderly people then they can be at peace of mind. They do not have to worry about the costs that they have to bear for the treatment.

There is a controversy that whether one should stick to Original Medicare or get Medical Advantage plans. Now, it is true that in order to get Medicare Supplement Plans 2018 one has to pay some extra premium than that of original Medicare. However, by paying a little bit extra a person can get eye care, dental and some other benefits that is not available in original Medicare. Thus, depending upon the situation an individual can choose any one Medicare plans.

Should You Go for Medicare?

A lot of individuals accept that when you approach the age of 65, everything will be easy. You will receive an impressive check from Social Security and the greater part of your restorative treatment prerequisites will be covered at no cost. All things considered, that is ordinarily not the situation. There are few individuals who could live on Social Security alone and with regards to healthcare, Medicare can just incorporate to such an extent. Subsequently, if you are turning sixty-five and you have no other health insurance than Medicare, at that point you have to put some idea into getting Medicare Supplemental Insurance.


Medicare Supplemental Insurance is basically what it sounds like – it’s a supplemental insurance plan that covers where Medicare doesn’t. This is substantially more advantageous than you feel it will be, regardless of whether you are in great condition now. When you have a hospital stay, the restorative focus conveys the bill to Medicare and they pick what they will cover contingent upon a prior table of most noteworthy charges. Regardless of what is left goes to you if that you don’t have some sort of insurance strategy. For any individual who has ever detected a hospital bill after a long stay, you could visualize exactly how genuine of a bill this could be and you would prefer not to be attached to it. Various individuals still accept that they needn’t bother with this sort of insurance plan or that it’s too expensive to get. The truth of the matter is that you can’t bear the cost of not to have it. It is extremely significantly more reasonable instead of health mind insurance you may have had before you achieved sixty five (since Medicare is getting the greater part of the costs) and you may get an assortment of advantages that could spare you cash each time you go to the doctor, have tests, or are bound to the therapeutic focus.


Purchasing Medicare Supplemental Insurance is now and again an issue for individuals since they don’t completely comprehend where to go. If you have had medicinal insurance by methods for another supplier before, at that point you may need to ask them what sort of projects they have, yet you likewise need to search around. If you have an insurance specialist, they can support you with this, or you can locate some great data and certainties on the web. It is likewise vital to hold up under as a main priority that there are methods for making the insurance significantly less expensive, for example, raising your duty deductible or co-pay amounts, and that could have a big effect.


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This is certainly the kind of insurance that you shouldn’t need to hold up to purchase. Acquire it while you are more youthful and healthy and you may spare cash not far off. Likewise, on the grounds that you know you are safeguarded, you will be more adept to get in contact for restorative care when you require it as opposed to holding up until the point that a little issue turns into a noteworthy one.

Get enrolled in Medicare Supplement Plans to get good benefits

Are you someone who is above the age of 65? If that is the case, then you must already be aware of the Medicare plans which are available for the purpose of taking care of you. The Medicare Supplement Plans combine to the already existing plans in order to give you better facilities.

Simple Medicare plans will give you simple care only

The Medicare B and A plans which are available already will be giving you a maximum of the benefits, but they will not be covering all your expenses. These plans will be covering most of the costs of your visit to the doctor, the prescribed drugs you will have to take as well the visits to the hospital you will be taking, but they will not necessarily pay for anything and everything.

This is why you will need the supplement plans so badly. They will cover the rest of the things, things which are not being covered by the Medicare plans. They fill in all the gaps such as the coinsurance, the deductible, the co-pay and all other excess charges as not filled in by the Medicare plans themselves.

Medicare Supplement Plans gives you lots of benefits

Even after reading about all the added benefits, people still do not understand the need or the significance of these best Medicare Supplement Plans, and hence they do not go for it. The best part about these plans is that all those people who are a part of these plans can very easily visit any of the doctors they wish to go for.

However, the only single problem with these plans is that all those companies who will be providing you with these Medicare Supplement Plans have some guidelines which are designed so as to make the process of qualifying into th3ese plans quite a difficult job.

However, if you purchase these plans by following the guidelines thoroughly, you will find that it will be making a huge difference in the type or quality of the care that you will be getting from them and the expenses which you will have to support will also be taken care by the supplement plans.

These Medicare Supplement Plans also provide you with a lot of cover charges, and there are several seniors who have been greatly assisted or helped by these plans. Seniors having purchased these plans have got a lot of help and guaranteed advantages from them.

Confused about which Medicare Advantage Plan to choose for 2019?

You will need to consult the doctors thrice a year, but you have a long list of prescribed drugs that you have to continue for long. You have applied for a Medicare Advantage Plan but still, the costs are high. Is it that your Medicare Advantage Plan is covering the doctor charges and other services that you do not require for the time being? Maybe you haven’t chosen you Medicare advantage Plan properly. But there is still time before 2019 starts applying for a more useful plan.


First of all, know what a Medicare Advantage Plan before is getting one for 2019


Medicare Part C is widely known as Medicare Advantage Plan which is a combination of Medicare Part A and Medicare Part B. Medicare Part A acts as the Hospital Insurance and Medicare Part B acts as Prescribed Medicine Insurance.

Medicare Advantage Plan help with Hospital cost, Doctors’ visit and other Medical services that you will get with Original Medicare. There’s more. They can also cover prescribed drug coverage as well as coverage for vision and hearing and can even cover gym and health club membership. But everything will depend on the plan you choose.


Final things to check before choosing any Medicare Advantage Plan for 2019


When you choose a Medicare Advantage Plan for 2019 make sure you read all the plans that are available and select among them the ones that will be benefiting you the most. Why not, after all, you will be paying some of hard earned for getting the benefits in the future.  Read all the details of each of the Medicare Advantage Plan for 2019 thoroughly. Read carefully the fine print, compare the different plans that are available, the cost structure and the rules and guidelines including the restrictions of each plan before applying for one.

In any case, you want to refer a specific doctor for your treatment. Then make sure to check the policies that offer the benefits from that desired doctor who is in their network.

Another fact, there are many people who want to choose a Medicare Advantage Plan that would cover their Prescribed Medicine cost. Then, choosing a Medicare Advantage Plan that covers the whole specified need rather than choosing a plan which covers a part only. Also, there is various plan offering the same benefits. In that case, compare and choose a plan according to the cost-sharing.

There are many Medicare Advantage Plans available. So make sure going through all of them before choosing for one.

For any query related to Medicare and Medicare Advantage Plan, you can check the official website-


Best Places to travel for Retired Seniors

The best part of retirement is having the freedom to travel without worrying about getting back to work after a few days. All you need is money and a list of places you want to visit. Most young people love to travel but when it comes to spending money on vacations, retirees contribute a great share. After leaving the working phase of their lives behind, retirees deserve relaxation to start a new part of their lives with a vacation trip. What can be more soothing than enjoying vacations on a beach, a lake, an island, a hill station or at a place with natural beauty? Here are some of the best vacation destinations that should be in your list.



Hawaii is a perfect destination for vacations as it is easily reachable for North Americans. The semi tropical weather of Hawaii is remarkable for a tranquil and peaceful vacation. The exquisite combination of culture, the multicolor long shoreline, the volcanoes and scuba diving in the depths of oceans is all one can ask for. You can opt for cruise as most Hawaiian cruise deals are not very expensive and you can enjoy five to six nights in reasonable prices.


Retirees who are looking for an adventurous travel destination within America should definitely consider Alaska. Just imagine witnessing the beautiful waterfalls and the glaciers sailing all around you, it is an experience of a life time. A cruise ship is the best option for senior citizens to travel to Alaska. Try Alaska as your next vacation destination and opt for an Alaskan cruise to have a memorable experience. If an individual is looking for some fun activities, Alaska has a lot of sight-seeing tours and outdoor activities for tourists.

Caribbean cruise

A Caribbean vacation is a popular choice among most people. I you want to spend the vacations relaxing at beautiful white-sand beaches, you can always count on the Caribbean. The beautiful blue waters and nice beaches make Caribbean a peaceful and perfect place to relax for retired seniors. However, it can be very crowded in the summers so you should try booking your Caribbean cruise in May or April and it is always recommended to book early to avoid last minute hassles.


Do you want to experience the historical places and Mediterranean weather on the islands? then travel to Italy which is one of the most beautiful travel destinations in Europe. If you’re a retiree wanting to visit Italy than Tuscany should be on top of your list. For foodies, Italy is known as heaven on earth as they can enjoy wine tasting, caponata, and the famous Italian Pizza. Sisley is also a great choice to explore in Italy, it is a beautiful Island in the Mediterranean Sea with breath-taking views. You can also book a tour for seniors explore Sisley.



South-east Asia has so much to offer but not much people explore it. There are many amazing tourist destinations in south east Asia such as Thailand. The capital of Thailand Bangkok never sleeps and will always have a fun activity to offer around the clock. This fascinating city is the center of attention of all the travelers traveling to Thailand. You can enjoy the ride of sky train, visit temples, grand palace and the view of historical statue of reclining Buddha. Pattaya is also an excellent place to visit and enjoy beautiful quite beaches while staying in resorts for very reasonable prices.

So, dust off your bags now and explore the world. Try seeing new places but always plan your vacation wisely to avoid high prices and chose places which offer good weathers and less crowds.

Make sure before you go that your Medical insurance has Foreign travel.  Find out what plans have foreign travel medical coverage here

Don’t Worry with Emerging Health Issue if you have Medicare Supplement Plans

All the Medicare Supplement plans enrolled after 1992 come under guaranteed renewable obligation which means that except for a certain number of limited circumstances, no insurance company can terminate your policy. This is more appropriate for those who enroll to a supplement plan during the six months of Open Enrolment period, since the benefit in this time is that no insurance company can deny you a supplement coverage plan for your pre existing health problems. However, you also need to know the particular circumstances when an insurance company can subject your policy under termination and this includes the following circumstantial reasons

  • If you do not pay your premiums
  • If the insurance company becomes insolvent or bankrupt
  • If the insurance company finds that you were untruthful in your enrolment application

However, out of these circumstances, if the reason surfaces to be the bankruptcy of the insurer company, then in generally the beneficiary or policy holder is offered with the issue right to select and buy a new plan. Again, while you are still within your guaranteed issue period, after your Medicare enrollment, no insurance company can ask for a medical underwriting and deny you from applying and enrolling for a plan.

Can You Get Medigap against a Lost Medicare Coverage?

It might happen that you may lose your Medicare policy papers, or you might have dropped your Medicare advantage plan or your Medicare, but even under such circumstances you are rightful of enrolling for a Medigap with your guaranteed issue right. However, in such cases you will do require few copies of your original policy papers in order to show your valid point while you apply for Medicare supplement plans. These essential documental records include:

  • A copy of letters, denials or even or even notices of your Medicare coverage with your name on it to prove your coverage
  • You can even take the postmarked envelope in which the Medicare documents had arrived to you as a mark of proof

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Under such cases it is recommended that you apply for a Medigap policy after your current health care coverage has ended. But you can also start a Medigap while you are still continuing your current Medicare coverage and choose to start your Medicare supplement plans after your current health care coverage ends, so that you can essentially avoid breaks in your health policy coverage. The Medicare rights under the guaranteed issue rights are under the Federal law; however there are many states which offer over the top additional Medigap facilities.