Livingston Reporting - page 120

Home Renovation Preparation

Posted on by Creative Programs and Systems

DIY home improvements always have the chance to go terribly wrong because most of us are not professional contractors and therefore really have no idea what they are doing.  In this installment we are going to prepare the average homeowner for what they can expect during the home renovation process.  Whether you hire a professional contractor or attempt renovations around your home there are a few things you will need to do to prepare.

Preparing for Your Homes Renovations

Budget

It is crucial to have a realistic budget when it comes to any home improvement project.  Take time to research the average cost of the budget you are interested in.  Once you know about how much you will need you can start to allocate funds accordingly.

Larger home renovation projects require you to have a substantial amount of money on hand.  If your remodel is not something you wish to cover with cash out of pocket, you can look into a home equity loan or line of credit.  The benefit of borrowing against your home’s equity is that often the interest that you are paying on the loan can be deducted off of your taxes each year, up to $750,000 dollars.  Other options for funding a renovation include a reverse mortgage and contractor financing.

Scope

The scope of your project is another element to consider.  It is necessary to take into consideration your budget and what you want to see completed during your renovation.  Are you considering a complete overhaul of your 1980’s kitchen and hoping to create an open concept where it opens into the living area?  Or are you thinking that a fresh look could be achieved with some freshly painted cabinets with updated hardware?

Your budget needs to be comparative with the tasks that you want to accomplish.  It is important that you work with your contractor to make sure that between the materials and labor your budget is large enough to cover your renovation while having a reserve just in case some aspect of the project doesn’t go exactly as planned.

Materials

Sometimes the materials that you choose are simply out of necessity and exactly what you need to accomplish within a limited budget.  For years you may have dreamed of installing granite throughout your home but as the time approaches the realization of just how much more the cost of the renovation will be with granite vs engineered quartz hits.  You suddenly realize that engineered quartz is quite elegant and helps you get more out of your limited budget.

As a full-service home improvement contractor servicing all Southeast Michigan, Kearns Brothers, Inc. offers clients a wide range of services to meet their construction needs including: roofing, siding, window, masonry, chimneys, gutters, and insulation services.  More information can be found at www.kearnsbrothers.com.

 

Kearns Brothers

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Managing Spare Parts in Manufacturing Settings

Posted on by Creative Programs and Systems

When it comes to maintaining an inventory of spare parts on hand many companies are reluctant.   There are quite a few in management that wonder if it is counter intuitive while trying to control operating costs.  The goal of all businesses, not just manufacturing, is to reduce expenses while increasing efficiency and many don’t see how keeping spare electrical components on hand helps achieve this goal.  In this installment we will look into how having an inventory of parts on hand eliminates downtime and increases overall effectiveness without extra expense to the company.

Inventory Management

By incorporating spare part management into plant operations managers can successfully create an environment where downtime, caused by machine failure, is practically eliminated.  The biggest struggle in spare part management is creating an inventory.  In order to do this effectively, it is crucial that the maintenance records of machinery are thoroughly gone over, and critical part breakdowns are identified.  Once this has been completed there you will be left with an idea of what spare parts are needed to comprise a complete operational spare part inventory.

Don’t forget when creating an inventory list to check into refurbished parts and components.  Many older pieces of equipment have become obsolete however this doesn’t mean that you can’t find parts to repair them.  Many times, obsolete equipment can be repaired using parts that can be found through companies specializing in obsolete refurbished electrical components, such as J & P Electrical Company, https://www.jpelectricalcompany.com.

Strategy of Operations

Determining whether you will function as a predictive or reactive position plays a large role in the replacement part stock that you will keep on hand.  Most manufacturers are historically known for being reactive to events like equipment failure.  In order to successfully create a functional spare part inventory, facilities must turn their focus on a more predictive approach to machine maintenance and failure. Successful predictive spare part management will include the collection and analysis of data, the ability for managers to see the operation as hole in which they foresee underlying problems and find solutions.

Inventory Control

Don’t think that your spare part inventory has to be all-encompassing to be effective. In reality that is an unrealistic goal to achieve.  Instead develop an inventory that is categorized by priority.  Recognize parts that can be used for more than one purpose, those that are critical to your operation, and those critical to a specific piece of machinery.  This needs to be revaluated on a regular basis to make sure that as new machinery is introduced they aren’t forgotten.

J & P Electrical Company is a full-service electrical company that supplies contractors, end users, and supply houses with new surplus, quality reconditioned, and obsolete electrical equipment. We purchase a wide range of electrical equipment such as bus plugs, bud ducts, panel switches, substations, and transformers.  More information can be found at https://www.jpelectricalcompany.com

J & P Electrical Company

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The Importance of Keeping Your Home Up to Date

Posted on by Creative Programs and Systems

Pure Coziness

As a homeowner we often overlook our own comfort which is a huge mistake when renovating your home.  Before you begin construction on your home ask yourself if this is what you want your home to look like for the next few years.  If the answer is not an immediate YES then it may be time to rethink the current renovation idea.

The remodeling that you have done around your home should not be done solely because you want to increase the value of your home.  If this is the sole reason for renovating, then you will be stuck living in a show piece that you aren’t enjoying, and it will not feel like a home at all.  Home renovations should not be done based only on how the renovation affects the things around you but instead on a combination of things including your comfort and enjoyment of the space.

Update the Outdated

When homeowners fail to renovate their homes, they can quickly become outdated and less appealing.  It is important to keep your home up to date but to do so in a timeless, classic manner that is not based on what is trending at the time.  Trends tend to go out of style as fast as they come in.  Just as a classic black suit or simple black dress never fades out of style, renovations around your home can be the same.  A perfect example of this is the installation of hard wood flooring.

Affordable Financing

Sometimes people fail to keep up on maintenance and renovations due in part because they don’t have liquid cash to do so.  Homeowners may need to rely on financing options to ensure their homes stay up to date.  Borrowing against your home’s equity is a fairly common practice especially when using the money for renovations that will help increase the value and equity in their home.

Enhanced ROI

Home renovations completed by a professional contractor may return a greater return on your investment when you go to sell or rent out your house.  When renovating a rental home, it is important that then renovations are done with the greater appeal in mind.  The home improvements that are done should be focused on drawing tenants in.  Improvements in rentals that draw tenants are private laundry facilities, increased storage, and open spaces. When renovating to increase the value of your home it is important to concentrate remodeling efforts on big ticket areas such as curb appeal, kitchen remodeling, and updated bathrooms.

Renovations allow homeowners to keep their homes up to date and well maintained.  This all works to increase the value of your property while making sure that your home is ready when you choose to move on.

JFC Remodeling is a full-service licensed contractor out of Howell, Michigan.  Specializing in kitchen and bathroom renovations, flooring upgrades, and home remodeling services.  More information can be found online at https://jfcremodeling.com/.

Jason Foldenauer Construction

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Caring for Your Aluminum Fence in the Winter

Posted on by Creative Programs and Systems

It’s evident that winter is coming.  The temperatures have dropped from the high seventies to the low fifties in just a week.  Colder temperatures along with the extreme weather that winters here in Michigan bring can do some serious damage to the maintenance of your home and property, including the aluminum fence that encloses the perimeter of your home.  During winter, perception is known to come down in multiple forms including rain, snow, sleet, and hail.  We have been known to have a complete thaw one day and freezing ice and snow the next.  Winters in Michigan can do some serious damage to your fence.  To avoid this there are a number of precautions that can be taken to prevent damage to the fence come spring.

Landscaping around the fence is one of the best things that you can do for your fence.  Proper landscaping prevents the full weight of the snow from leaning up against the panels.  It is also important that trees that overhang the fence are properly trimmed back.  This helps to prevent tree limbs from falling on the aluminum fence.  Snow and ice are heavy and can potentially fall on the fence and damage the panels.  Properly trimming trees prevents this from occurring.

Snow should never be allowed to pile up around the fence.  One way to help prevent this is by removing the build up of leaves and debris from around the fencing panels in the fall.  Without the leaves sitting up against the fence collecting moisture, going through the freeze thaw process, the fence should stay in good condition.  Leaves lock in moisture which causes fence damage, warping, and rust.

Maintenance throughout the winter is always necessary as snow should always be moved away from the fence using a rake or shovel.  Without the snow built up around the fence it can evenly melt and allow the fence to uniformly dry out.

Maintenance is a key element in keeping your home in top shape.  The same is true of your aluminum fence.  If you begin to notice small damage to the fence be sure it is quickly taken care to prevent further, bigger issues down the road.  If there is damage to the posts they can quickly become weakened and may not withstand the shrinking and expansion that comes with the freeze and melt of the winter weather.  Repairs and maintenance need to be kept up on to prevent small repairs from becoming major problems down the road.

iFenceUSA is an online distributor of wholesale aluminum fences and gates for residential, resort, commercial, and industrial installation.  As an industry leader in maintenance-free aluminum fencing products we have all your aluminum fence and gate needs covered.  More information can be found online at https://ifenceusa.com/.

iFenceUSA

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Caring for Your Homes Roof Throughout the Winter

Posted on by Creative Programs and Systems

The leaves are changing, the temps are dropping, and some of us are even turning on our furnaces… Winter’s here!  There are a variety of attitudes that people here in Michigan have when it comes to winter, are you a homeowner that is chilled just thinking about winter or are you tuning up your snowmobile as I type?

The maintenance of your homes roof throughout the long winter season does not have to be stressful.  With some simple tips you can stop worrying about your roof this winter and start to focus on the season of wonder & delight, and snowflakes & Santa.

Simple Winter Roof Maintenance

Get Rid of Snow Build-Up

Your homes roof has been designed with the elements in mind.  It is constructed specifically to handle the harsh winter weather elements including snow, ice, and rain, along with the freeze, thaw cycle that us Michiganders have come to anticipate.  However, even the most well-designed roof can experience potential issues from snow and ice buildup.

The best way to prevent your roof from having issues that come from snow build up is to eliminate the buildup of snow on your roof to begin with.  There are a number of items available on the market today that help homeowners achieve this including roof rakes.  A snow rake is a simplistic tool that helps to eliminate snow from accumulating on your roof while you are safely on the ground.

Snow rakes are used by slowly and carefully pulling the rake down towards the ground.   Proceed carefully to stand out of the way of any falling snow or debris.  Be careful not to push or pull the snow across the roof as this action can cause the shingles to tear away causing damage.  This simple act can save thousands of dollars in damage to your homes roof.  During heavy snow you will want to use the snow rake multiple times a day to prevent build-up.

Eliminate Ice Build-Up

Homeowners should be as concerned with ice as they are snow.  If ice is allowed to accumulate it can be dangerous especially when ice accumulates in the gutters.  Icicles make look pretty however they are a threat to your roof and can cause water to backup under the shingles.  Roofing contractors recommend that homeowners work to prevent icicles from forming with proper roofing ventilation and insulation.  If prevention is not possible they can easily be knocked down with an extended pole or broom.  Use caution when knowing down icicles as not only is it dangerous you can potentially cause damage or known down gutters if not careful.  Gutters are important in the winter because they help prevent ice dams in the winter.

Ice Dams

Ice dams are dangerous in the winter, they don’t only have the potential to damage your roof and gutters but also the interior of your home.  If you see an ice dam forming it is important to fix the issue immediately.  An ice dam is a large clump of ice on the edge of your roof.  If they are left untreated an ice dam can freeze up the gutters and block the snow from falling off your homes roof.

Preventing ice dams is the best way to protect your homes roof.  Stay on top of the snow, ice, and icicle build-ups.  If you do find ice dams forming use chemical deicer to ensure that water can flow freely through the gutters as the ice melts.  Homeowners can also gently chip away at the ice dams and slowly remove them.

Home Pro Roofing of Michigan offers professional roofing services including new roof installation and roof repair services using shingling and metal roofing materials.  The roofing contractors of Home Pro Roofing service Kalamazoo, Brighton, Lansing, and the surrounding areas.  More information can be found online at https://homeproroofingmi.com.

 

Home Pro Roofing MI

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Wedding Fights to Avoid as An Engaged Couple

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Every couple wants the wedding of their dreams without the expense of their relationship.  Here are common but avoidable fights couples often experiencing when planning a wedding and how they can be handled.

Different Sized Guest Lists and Unequal Family Contributions

There are a number of solutions to help avoid the issue of uncontrolled guest lists and unequal family contributions.  This like many other times finances and family will be involved must be met as you would any business situation.  One approach is to set boundaries immediately with the number of guests each family can invite and how much they will be required to contribute to cover the cost.

Another approach, especially if the bride and groom are paying for the wedding together is to break it down, “This is the cost of your guest list, this is the cost of my guest list.  It seems as if there is an imbalance, can you address this with your family to see if they are willing to chip in and if they are not able to then how can we make the wedding more affordable, so everyone can come or how can we trim down your families guest list to fit within our budget.”   Compromising in financial situation is something that will be required throughout marriage.  Learning how to properly handle financial issues now will help prevent a lot of headaches down the road.

Lack of Interest in Wedding Planning

Many brides are so excited to plan for their wedding day.  It is a day they have thought about forever and are anxious to be detailing each and every intricacy of the day. The problem arises when brides see that their grooms are lacking their enthusiasm.

It is crucial that brides remember that although they have been thinking about this day since they were a little girl most grooms haven’t thought about it even once.  Most grooms don’t really want to be involved in each and every decision and are happy as long as their bride is happy.  What brides need to do to combat what they see as a lack of interest on the groom’s part is to get them involved in areas of the wedding that actually matter to them.  If they are into music hand that over to them.  If you have a foodie on your hands invite them to take charge of the menu.  It is important to be honest with your soon to be spouse and to speak honestly about a division of labor and where interests lay.

Allocation of Wedding Funds

When planning a wedding most often the first thing that is discussed is the budget.  Problems can arise quickly if a detailed allocation of funds has not been agreed upon.  Are you eyeing a four-thousand-dollar dress?  Does your spouse have their heart set on a two week, all inclusive honeymoon?  You can instantly see how problems can occur.

Unfortunately, when you are working with a large sum of money it is crucial that the two of you meet in the middle with how and on what the money will be spent.  This may require some give and take but, in the end, it is important to recognize the end goal, a happy life spent together.  After much thought you may see how a four-thousand-dollar dress you will wear one night is slightly impractical when you can spend two solid weeks together away from the stresses of the real world to enjoy your new husband and wife status.

As wedding consultants, we have seen some of the littlest arguments turn into something ugly, fast.  It is important to remember that although you want this day to be as magical as you always dreamed, it is in fact just that, one day.  Make sure that the small loop holes you are experiencing before the walk down the aisle are not bigger hidden issues looming in the dark.  Work together to make sure that a mole hill isn’t turned into a mountain.  At the end of the day what really matters is that you are marrying the individual you will spend the rest of your life with even if they don’t care about the pink napkins or choose invitations fit for a kids fifth birthday party.

Event Planning DC provides full event planning, partial event planning, month-of (day-of) event coordination, event styling/design and decorating services throughout DC, Maryland, and Virginia, with access to local and national vendors who may provide additional services suitable for your event and budget.  We pride ourselves on providing only the highest quality event coordination, giving you and your guests the perfect day, no matter what the occasion including exclusive corporate and non-profit events, weddings, Bar & Bat Mitzvahs, community events and milestone celebrations.  More information can be found online at http://www.eventplanningdc.com.

Event Planning DC

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Problems and Solutions to Common Issues in Real Estate

Posted on by Creative Programs and Systems

If you want a job in an industry where everyday is different and no two transaction are ever the same, you into real estate.  A boring day just doesn’t happen when you are working daily with a wide variety of people and personalities.  As much fun as it is to work with several different types of people on a regular basis, there are some challenges that can arise when working to find a buyer their dream home or a seller who is selling more than just a home, but an abundance of memories as well.

Common Real Estate Problems and Solutions

  1. Market Conditions That Are Not Ideal

Realtors do not have control over local real estate markets.  It is inevitable that local real estate markets will have ups and downs that need to be dealt with.  The longer you are in real estate the more you will see the market conditions fluctuate. The market conditions will play a huge role in if a home sells or not and if it sells at, below, or above the average market value. Realtors must understand and recognize if they are currently dealing with a sellers or buyers’ market.  The advice that you offer to your clients will make a huge difference in their perception and the outcome of the transaction.

  1. Emotional Sellers

Many times, the sale of a home can be quite emotional.  Real estate agents will get the full brunt of the emotion’s sellers are feeling during this process.  A wide range of emotion is felt from sadness, stress, excitement, uncertainty, and nervousness.  Selling a home is a time of mixed emotions for homeowners and you as their agent will need to help them overcome the feelings that they are having to get to the point of sale.  It will be important to remind the sellers of their initial motivation to sell, the benefits that come from the sale of a home, and how these play into their situation.  It is important not to become invested emotionally yourself in the sale of any home so that you can remain impartial throughout the process.

  1. Listing Price

There are many sellers and buyers out there that will take your recommendation when it comes to putting an offer in on a home or listing their home for sale.  However, there are times when people will feel like their home is worth more than it is or that a lower offer is better for later negotiations.  Price points are the biggest challenge most realtors will face with their clients. It is important that you as the realtor educate your clients with concrete evidence and current stats to validate your reasoning.   Point out how long comparable houses have stayed on the market and the difference in pricing points.

Most of the time real estate professionals can work out issues with their clients by listening to them and providing concrete information to reassure them.  Proper wording and empathy can often overcome any challenge that arises to help facilitate a compromise.

C21 Lady of the Lakes is a full-service realtor serving Livingston County and the surrounding areas with all their real estate needs.  More information can be found at http://www.ladyofthelakes.com/.

C21 Lady of the Lakes

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Creating Website Content That Is Ready for Voice Search

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One of the most important aspects of creating a new website is making sure that your target traffic can easily locate you.  The planning process involved requires business owners to consider what keywords and keyword phrases people will type into search engines in order to find them.  Content is then created around these searches to maximize ranking results.  That has worked well in the past but with new technology and voice search now is the time to reconsider website content.

Voice Search Technology

Voice search technology is when people use their voice to ask devices such as computers, phones, Alexa, Google Home, and such devices to aide in their search of the internet vs sitting at a device and typing the search into a search engine.  More than half of all internet searches are said to come from voice activated technologies by the year 2020.  Each year the number of voice-activated speakers purchased increases ten-fold.  It’s pretty obvious to us that in order to continue to be successful websites need to be adjusted to accommodate for both voice and type searching.

People are using voice search technology mainly because it is so fast and easy to use.  You can search using your phones while on the go.  Information is easily received whether you are in the car, at a restaurant, or sitting in your front room, no matter where you are at voice search technology allows you to easily access information.

What Does This Mean for Your Business?

There are a number of things voice search technology changes when it comes to search engines and optimizing your website to meet the needs of your customers.  One thing this means is longer search phrases. When people speak they tend to talk in complete sentences whereas when typing the phrases are shorter and more to the point using basic keywords.

Voice Search vs Traditional Typing

Voice Search: Clients are more likely to ask a question such as: “What are the voice search statistics for 2018?”

Traditional Search: Clients are more likely to input a keyword or phrase without adding to it: “voice search” or “voice search stats 2018”.

Voice activated applications have been programmed to understand our natural speech patterns.  They will understand longer text phrases and questions.  When planning to optimize your website for search engines it will be important to take this new information into consideration.  Keyword optimization will no longer only revolve around simple keywords and long-tailed keyword phrases it should now include answers to questions and longer phrases.

The Future of SEO

With voice search technology becoming more and more common, optimization for search engines is going to focus more on the long-tailed keyword, a keyword that is more than three to five words.  Whereas previously websites would have been optimized for “kitchen remodeling” with voice search optimization should include “kitchen remodeling trends for 2018” or “local contractors specializing in kitchen remodeling 2018”.

Websites that are designed with voice search technology in mind will have a huge advantage over older website designs that do not redesign their sites to include optimization for the new technology.  Long tailed keywords and phrases are less competitive and therefore easier to rank for.  Designing a website around this now will ensure you are prepared as voice searching becomes more and more common.

What Can You Do Today?

Currently the most common voice search is your business’s phone number and address.  Don’t hide that information on your site within an image or logo.  The phone number and address need to be easily found and recognized.  Your companies Google business listing should include an up to date address, phone number, and website address should be easily available if a client does a quick search of your company’s name.

If you are looking for local customers include phrases such as, “near me”, “local”, or “close by”.  The popularity of keywords that include these phrases has increased over 500% in part due to voice searching.

Content should be structured for the intent of your users.  What are your users looking for?  What information are they trying to find from your site?  Optimizing for Google means that your sites content gives answers to the user’s questions.  Blogs or a blog series should be written in a manner that also answers your customers questions.  Posts should specifically address questions that will be asked.

Creative Programs and Systems, CPS, is an all-inclusive IT solutions company offering a variety of services including: managed IT services, IT consulting, residential computer services, custom programming, website design, iphone & android app development, and more.  More information can be found at https://cpsmi.com.

Creative Programs and Systems

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Radiation Therapy: Goals and Understanding

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High-energy x-rays or particles used to destroy cancerous tumors and cells is known as radiation therapy.  A number of doctors specialize in treating cancer.  A radiation oncologist is the specialist that is trained to deliver radiation therapy to treat cancer.  The team of cancer specialists treating you and your cancer will develop a radiation schedule that delivers radiation at consistent intervals over the course of a set time period.

Radiation Therapy Goals

The goals of treatment using radiation is to slow the growth of cancerous tumors and destroy cancer cells without causing permanent damage to the surrounding healthy tissues and cells.  Most often doctors will recommend radiation therapy as the first line of treating cancer.  It can also be given with great results after surgery or chemotherapy.  When this is done it is known as adjuvant therapy.  This targets the “leftovers”, the cells containing cancer after the initial treatment.

Sometimes it is not possible to destroy all of the cancer.  If this is the case with your cancer specialists will use radiation to shrink the tumor to relieve the symptoms.  This is known as palliative radiation therapy.  In palliative therapy treatment is done to reduce the pressure, pain, and symptoms of cancer.  It is done to create a better quality of life for the patient.  If palliative therapy is done it is not done necessarily to cure the cancer but instead to increase the quality of life after diagnosis.

If you are diagnosed with cancer there is more than a fifty percent chance that you will receive a form of radiation therapy in treating your cancer.  Many forms of cancer react better with a combination of treatments such as radiation therapy with surgery, chemotherapy, or immunotherapy.

Using a Linear Accelerator

The most common delivery of radiation therapy is external-beam.  This consists of radiation being delivered to the patient using a machine known as a linear accelerator from the outside of the body. This machine creates a beam of radiation that is delivered through the skin directly to the cancerous tumor.   Specialized computer software is used in conjunction with LINAC to adjust the size and shape of the radiation beam specific to each patient’s tumor.  Targeting the exact shape and size of the tumor and cancer cells allows radiation oncologists to avoid healthy tissues that sit near the cancerous cells.

Treatment is normally given every day, Monday – Friday, for several weeks.  If treatment is to be given to the head, neck or brain, a form-fitting support or plastic mesh mask is used to prevent the patient from moving during radiation therapy.

As an independent LINAC service company, Acceletronics is dedicated to delivering the best equipment performance and services for linear accelerators and CT scanners across all major brands and models, as well as new and refurbished LINAC systems for sale.  More information can be found online at https://www.acceletronics.com/.

 

Acceletronics

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The Pros to Medicare Supplemental Insurance Plans

Posted on by Creative Programs and Systems

Protection from Astronomical Medical Bills

Health coverage through Medicare only covers 80% of the total costs which leaves you to cover, out of pocket 20%.  In order for Medicare Part B to begin paying it’s 80% you must reach the yearly deductible.  Depending on the Medicare Supplemental Insurance Plan you choose the extra 20% will be partially covered.

Coverage When Visiting Outside the United States

Some Medicare Supplement Plans offer coverage outside of the U.S. in case of an accident or unexpected illness.  If you find that you travel outside of the United State on a regular basis it is important to purchase a Medigap plan that covers your health care needs outside of the country.

During Open-Enrollment – Guaranteed Acceptance

If you apply for Medigap within your open enrollment period (six months after the 1st of the month in which you turn 65) coverage and rates are guaranteed.  This means that it doesn’t matter what illness you bring to the table, Medicare and Medicare Supplemental Plans are guaranteed to accept you for coverage.  This is just one of the reasons it is important to enroll during the open enrollment period.  After this time, insurance companies can deny you coverage or increase your rates, on top of a late enrollment penalty that you will be responsible for.

Renewable Policies

No matter what health problems arise, all standard Medigap plans are assured to be renewable to you.  This means that no matter what you are diagnosed with insurance companies cannot deny you plan coverage as long as you make the premium payments.  Your policy renews automatically each year.

Choice of Medicare Doctors

When you purchase Medicare Supplemental Insurance you will be covered when you visit doctors that participate with Medicare.  The only exception is Medicare SELECT.  This is a type of Medicare Supplemental Insurance that requires use of select medical providers and hospitals within the network.

Multiple Plans to Choose From

Medigap offers 10 different plans to choose from to help Medicare enrollees pay for expenses not covered by Original Medicare costs.  Medigap plans that offer the most coverage also have the highest monthly premiums whereas the opposite is true with lower premium Medigap policies.

Standard Policies

There are ten different Medigap policies.  The plans are standard throughout the U.S. and are regulated by the law.  Plan benefits are the same from state to state meaning that the Medigap Plan F coverage in Michigan is the same as Medigap Plan F coverage in Texas.  In Massachusetts, Minnesota, and Wisconsin standardized plans are a bit different.

The experts at eMedicare Supplemental Insurance, powered by Omega, have all the answers you are looking for when it comes to your Medicare Supplemental Insurance needs.  More information can be found at http://emedicare-supplemental-insurance.com/.

 

 

 

Medicare Supplemental Insurance Plans

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