Livingston Reporting - page 120

Motivations in Home Improvement

Posted on by Creative Programs and Systems

It doesn’t matter if you have lived in your current home for 15 years or just purchased your first home, a fixer-upper, there is a great chance that some home improvement projects are in your future.  From small renovations such as the installation of a new front door or something major like a complete kitchen remodel you will most likely turn to a company that specializes in home construction.

Updates can be something as simple as changing the way a room looks or updating the function a space serves or as grand as a adding an addition or modification to an existing room that is not being properly utilized.  The reasons for renovations to your home vary a great deal, the one thing that doesn’t is the need to ensure you and your family are prepared for the renovations.

Remodeling: Know Why

It is important to understand why you are taking on any renovation project before getting started.  If you are adding an addition or gutting your kitchen in favor of a newly designed space, it is crucial to know why you are doing it.  Does the plumbing and electricity need to be updated?  Do you need a space that is more practical or a more usable floor plan? Are you just bored? No matter why it is important to get a hold of the motivation for the project as it will better help you to budget and prioritize.

Maintenance

It doesn’t matter if you have a new construction home or a historical home, maintenance is required to ensure that the everything needed to keep the home up and running is working smoothly.  Homes that are over a decade old must have regular inspections on electrical, plumbing, and structural elements in order to keep your home safe for your family.

Renovations driven based solely by maintenance will often mean that the budget for the renovation will mostly go towards hiring professional licensed contractor specializing in services like plumbing and electrical.  More often than not this type of work will require permits and inspections.

Updates

The plumbing and electrical in the home may be up to date however, the rooms may not function as you need them too or may just be an eyesore.  Plenty of times renovation are done just to bring a space up to date.  If this is the reason for renovations you will see a difference in your budget allocation as more of your budget will go to design elements, state of the art appliances, and trending home improvement materials.

Improving Efficiency

Other renovations are done just to improve the efficiency of the home. New windows, doors, siding, chimney updates, and insulation are all renovations that are completed to shrink energy waste and decrease their utility bills.  Other renovations may include new thermostats and solar panels.

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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Medicare Supplemental Insurance Plans: Read This Before Enrolling in Medicare Coverage

Posted on by Creative Programs and Systems

What is Medicare Supplemental Insurance, Medigap?

Once you have enrolled in both parts of Original Medicare, Part A and B, you will be eligible to purchase insurance that supplements your health insurance coverage that fills insurance gaps left by Part A and Part B.  The supplemental insurance plans are known as Medigap or Medicare Supplemental Insurance.

Why do you need Medicare Supplemental Insurance Plans?

There are a couple of reasons you may need to purchase Medigap including filling in the gaps left from what Medicare Part A and Part B don’t cover and for assistance with costs that are not covered by Medicare.

How does Medicare Supplemental Insurance Plans work?

There are ten different supplemental plans that are regulated by Medicare and our federal government.  Medigap plans are labeled Plan A through Plan N alphabetically.  Only certain plans are available depending on where you live in the United States.  The plans are all standardized and offer the same benefits no matter where they are purchased, meaning Plan A in Michigan offers the same coverage as Plan A in Texas.  There are changes however in the premiums paid and the insurance companies that are permitted to sell them.

Things you should know about Medicare Supplemental Insurance:

Qualify:  If you are over 65 years of age, are enrolled in Medicare Part A and Part B, are 6 months from the first day of the month you apply for Medigap your acceptance in Medigap is guaranteed.  If you enroll in Medigap during this period, open enrollment, of time then there is no need to have a medical examination to obtain coverage.

Coverage: Original Medicare Part A, Part B, and Medigap coverage applies to only one person.  Your spouse will need to have their own policy, separate from yours.

Purchase: Medigap participants may purchase plans from any private insurance company that is licensed in your state.

Payment: The monthly premium that you pay for Medigap is paid directly to the private insurance company.  The payment is in addition to any premium that you are required to pay for Medicare part B.  The payment for Medicare part B is paid directly to Medicare.

Not Covered: There are certain things that Medigap doesn’t cover such as: long-term care, vision, dental care, hearing aids, eyeglasses, or private-duty nursing.

Return Policy: You have the right to cancel your Medigap insurance policy without penalty within 30 days of purchase.

Renewable Plans:  Medigap insurance policies are guaranteed even if you have health problems during the period in which you were covered.  This means insurance companies are not able to terminate your Medigap policy as long as you continue to make the monthly payment for the premium.

Preventative Maintenance:  Medicare pays for the entire proposed medical service if it is deemed it will help avoid future health issues.  If the doctor you are seeing accepts the amount that Medicare approves for the service, you will not have to pay a penny for the preventive services.

Prescription Drug Coverage:  Up until 2006 many Medigap plans covered prescriptions however, as of January 1, 2006 Medigap plans are no longer allowed to offer prescription drug coverage.  If you want prescription drug coverage you will need to purchase Medigap Part D, which offers this coverage at an additional premium.

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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How Do I Know If I Need A Water Softener?

Posted on by Creative Programs and Systems

Are you experiencing any of the following?

Dry skin?

Yellowing clothes?

Stained bathtubs?

Non-stop issue with plumbing?

Spotted dishes?

Scale build up?

The above is commonly caused by the hard water in your home.  The good news is that each and every problem you are experiencing with your homes hard water can be fixed by having the correct water treatment system installed.  In order to determine what option is best for your homes water an analysis will need to be run to determine what type of hard water your home has.  From whole house iron water filters, reverse osmosis systems, and water softeners there is a solution for your problematic water.

Water softeners are the most commonly used appliance to assist homeowners in the removal of hard water and the issues it presents.  Not only does hard water have an effect on your skin and hair it can wreak havoc to the plumbing throughout your home which can become quite costly to repair.

As mentioned above, each and every household’s water contains more than just water.  The quality of water differs from each home and where your water source is delivered from: a private well, a city source, or private municipality.  All water contains minerals, which ones your water has will determine the level of hardness in your water. Calcium and magnesium are commonly found in water.  If a water softener is installed in your home, it will remove the hard minerals through a process of ion exchange.  This will make it easier to keep your home cleaner, your skin and hair healthier, and prolong your plumbing and household appliances.

What Happens During the Ion Exchange?

Water softeners remove minerals such as calcium, magnesium, iron, and manganese, replacing them with sodium ions through a process known as an ion exchange.  Ions carry a positive or negative charge due to an imbalance of electrons and protons.

The hard minerals are trapped by resin beads or zeolite crystals during the exchange.  Resin and zeolite are negatively charged and has space that holds on to positive ions.  The weaker sodium ions are held onto as the hard water passes through the water softener tank.  The calcium and magnesium minerals are stronger and pulled to the media as a type of magnet.  With the hard minerals having a higher positive charge than sodium they know them off and take over their place.  The hard minerals will stay trapped in the tank and the water with a little sodium will be dispersed for use as the homes water supply.

The experts at Reynolds Water Conditioning have a solution to your homes unique water quality needs including: arsenic, bacteria, chlorine, rotten egg smell, fluoride, hard water, iron, lead, acid, tannins, radon, and more.  More information on our water treatment solutions including water softeners and conditioners, water filtration and purification, reverse osmosis drinking water, and iron & odor removal can be found online at https://reynoldswater.com.

 

Reynolds Water

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External Radiotherapy: Beating Cancer with Radiation

Posted on by Creative Programs and Systems

One of the most popular options in treating cancerous tumors is with the use of external radiotherapy.  There are several types of external radiotherapy options for doctors to choose from when treating each unique patient needs with the overall principal of the therapy being the same.  Radiation is delivered to the source of the cancer using a high-powered beam.

Linear accelerators are one type of machine that can deliver radiation to the source without causing severe damage to the healthy tissues surrounding the area. External radiotherapy is used to destroy cancerous cells and is administer by LINAC systems that deliver high energy x-ray beams known as photon beams.  Other systems deliver radiotherapy through particle beams, such as protons and electrons.  The principle is similar in both as the beam of radiation is aimed at an internal cancer source as treatment.

The DNA in cancerous cells is damaged through external radiotherapy.  DNA is either damaged directly or through particles called free radicals that damage them. This keeps the cancerous cells from growing or kills.  When the cells die they are broken down by the body and removed as waste.  Normal healthy cells surrounding the cancerous tumor are damaged slightly however they can usually repair themselves over time.

Treatment is not started until you have spoken to your doctor about possible short- and long-term side effects.  Most often side effects can be controlled with medication and are temporary.  The treatment is planned based off of the images that have been taken of the cancer via x-ray, CT scans, MRI’s, and/or PET scans.  The plan will ensure a higher dose of treatment to the cancerous tumor.  Treatment is given in the radiotherapy department of the hospital.  Machines in the radiotherapy department such as linear accelerators, are very big and can be a bit scary.

LINAC machines use electricity to create the beams of radiation that are delivered to the cancer.  During treatment the machine never actually touches you and nothing is felt during treatment.  There may be some side effects of discomfort and pain that can be managed with medication.  For the treatment to work well, the radiotherapy needs to cover all of the cancer and the border around it using the lowest dose possible to reduce any side effects.

When choosing the treatment that you will need your radiotherapy doctor will consider the following:

  • The type of cancer you have
  • The position of the cancer within your body
  • Treatments that you have had in the past, are currently having, and that are planned
  • Your general wellness, health, and fitness levels

Your external radiotherapy treatment is individualized to each and every patient.

The entire course of treatment can last anywhere between one to six weeks but can be longer.  This is determined by your doctor and how well you are responding to treatment.  The treatment that is put in place will be based on a personal routine that you can easily follow.

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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Considerations When Buying Aluminum Fencing Online

Posted on by Creative Programs and Systems

The convenience of shopping online has left many of us wondering why we ever subjected ourselves to the hassle found with going to the store. Getting what you want, when you want it, all at the click of a button has changed the way consumers shop.  Consumers can shop for almost anything online including fencing.  In fact, now-a-days purchasing a fence the old fashion way may even be harder than it is online.

Not only do you not have to leave the comfort of your own home, online fencing companies are offering additional services to ease the process from the initial planning to the final installation.  As with any online purchase it is important to understand the process involved with getting exactly what you want.

A Guide to Purchasing Aluminum Fencing Online

It is Important to Know What You Want

If you have not chosen a type of fencing your first step is to figure out what you want.  Many online fencing companies will send free fence samples to allow customers the chance to see and feel exactly what they are buying.  With fencing you get to sample different grades and colors, so you can feel the weight and see the color; this way you know exactly what you are getting and aren’t surprised when your order arrives.

A popular preference for homeowners is aluminum as previously mentioned.  Black aluminum fencing being the most sought-after material and color.  If you don’t have any idea of what you want it is a good idea to get samples of several different materials, colors, and grades from online fencing manufacturers.  The visual element of a sample can really help solidify your choice.

It is Important to Measure Your Yard

Another matter that is important when ordering a fence online is that homeowners order exactly what they need for their space, not more, not less.   When you are in the planning phase it is crucial to get an exact measurement of the yard perimeter where the fence will be installed.  This measurement, along with a detailed sketch can be sent to online fencing specialists to help them assess your need as well.  Double and triple checking measurements prior to placing your online fence order will save you time, money, and a whole lot of aggravation.

Once homeowners have an idea of how much fence is needed (total linear footage) they will divide that by the length of the aluminum fence panels, most common sizes being 6- and 8-foot sections.  Some homeowners will need to customize some of the fencing panels as adjustments are needed for landscaping but overall most of the fence panels either 6- or 8- feet.

It is Important to Know the Reputation of the Retailer and Fees Related to Delivery

More often than not people are hesitant make a purchase online because they are unfamiliar with the reputation of the seller.  When you are looking to make a purchase online it is important to check out the reputation of the seller specifically:

  • How many years has the company been in business online?
  • Read online reviews and look into customer feedback.
  • Review their shipping and delivery terms and fees.
  • Work with a retailer that offers a warranty

 

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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A Mobile CRM Benefits Your Business

Posted on by Creative Programs and Systems

The term CRM, Customer Relationship Management, is a newly coined term used to describe a system that allows companies to access and manage key elements of their business.  A mobile CRM is one that delivers the experience to users of smartphones, tablets, and other mobile internet-enabled devices.  Right away you can see the benefits a mobile CRM would have in the growth and development of any business big or small.  A custom CRM system, designed specifically for your business, employees and customers, will take you to the next level.

Let’s face the facts; we are not a generation filled with patience.  No longer is using a desktop to gain information good enough for us, we want information at the touch of a button anytime we want it.  Mobile device use went from .7% in 2009 to just under 53% in 2017, with numbers that will only continue to grow. Your business must have software to match.  Users of mobile CRM systems are able to access important business data no matter when they want it or where they are.

Mobile CRM systems are important to employees as they are no longer tied to a desk to work.  Employees are literally able to work no matter where they are when using a mobile CRM.  They can access vital information when meeting with prospects, allowing immediate decision to be made.  We all know how important an immediate decision is when closing a deal.  Custom CRM systems allow this to occur.

Jobs that were once considered “office jobs” where employees physical presence was thought to be required have since gone remote because of systems such as a CRM, leading to higher overall productivity.  With access via mobile technology, employers actually gain higher results from their employees. A recent study boosts that most mobile employees work an extra 240 hours annually.

Mobile smart devices give employees a freedom that is not experienced when tied to a desk.  Employees and employers alike benefit from having access whether they are in the same building or half way across the world.  Tying a workforce together with real-time, shared information allows data to be shared regardless of software compatibility, which leads to a more collective work atmosphere.

If you have questions on how a CRM platform can help you grow your company and improve the efficiency of your workforce, it is important to schedule an appointment today with a developer who is versed in both iPhone and Android app development.  They can assist in developing the right CRM system that will continue to develop and adapt to your ever growing company climate and personalized needs.

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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Water Softeners: Maintenance Made Easy for Homeowners

Posted on by Creative Programs and Systems

Water softeners are just one of the many appliances that make our lives better.   Once the softener has been installed there is little that needs to be done for it to do its job effectively day in and day out.  Once the initial water hardness level has been set, regeneration parameters are set, and the salt is filled (or potassium) the softener will run as intended without a lot of attending too.  Even though they are low maintenance appliance within the home they do require general maintenance to increase longevity and effectiveness, as do most appliances around your home.

Tips for Maintaining Your Water Softener

Keep an Eye Out for Salt Bridges

Salt bridges can occur in the water softeners brine tank when the salt hardens, creating an empty space between the water and salt which then stops the salt from dissolving and making the brine.  If the brine is not created, then the resin beads that are used to soften your water will not work as intended.  Most often a salt bridge occurs if the salt used in the tank is the wrong kind, in areas with high humidity, or when the water softener is stored in a location where the temperature varies.  The best way to treat a salt bridge is to use a long piece of wood to carefully push down on the top of the solidified salt.  This should, without a lot of force, break the bridge that was created in the salt free.

Watch for Salt Sludge

Salt sludge is a more severe issue that a salt bridge.  When the salt dissolves and recrystallizes, a mush is created on the bottom of the brine tank.  This layer of salt on the bottom of the tank keeps the system from regenerating properly which will leave a blockage in the tank that doesn’t allow the water to properly soften.  The only way in which to solve the problem of salt sludge is to completely clean out the brine tank by digging out the used salt and adding fresh salt.

The best way to avoid salt bridges and salt sludges are to use the highest quality salt pellets available.   Also, avoid putting too much salt in the brine tank, overfilling the tank will decrease the quality of the water that is produced.  It is also crucial that the humidity and temperature in the space where the water softener is kept.

Water Softener Salt Choices

When it comes to maintaining your homes water softener, as mentioned above, it is critical that you choose the right type of salt.  There are three basic types of salt you can purchase for your water softening system including: rock salt, solar salt, and evaporated salt.

Rock Salt: This is the least expensive of the options thus contains increased levels of impurities.  This can result in a sludgy tank overtime which we know decreases the effectiveness of the system.  Rock salt also leaves the most impurities in the water.

Solar Salt: This type of salt dissolves more easily then rock salt.  Solar salt can be found in pellets and crystals and is obtained by the evaporation of seawater.

Evaporated Salt:  Acquired through a mixture of mining and evaporation, this is the purest form of salt weighing in at 99.99% sodium chloride.

The purer the salt that you put into your water softener the less residue that will be left within the tank.  This leads to fewer salt bridges and less salt sludge thus less maintenance to your water softener.

Flushing the Resin Bed

Resin beads are recharged by salt on a regular basis but even though this occurs it doesn’t hurt to fully flush the resin bed with a special water softening cleanser, which will help to keep it in top form.  To prevent ineffective resin, cleanser can be poured into the brine well and the system manually regenerated.  The system with normally discharge the cleanser during the cycle performed by the water softener.  This process will help to keep the resin functioning effectively.

Regular maintenance helps to keep all appliances running smoother and the same is true of your homes water treatment systems.

The experts at Reynolds Water Conditioning have a solution to your homes unique water quality needs including: arsenic, bacteria, chlorine, rotten egg smell, fluoride, hard water, iron, lead, acid, tannins, radon, and more.  More information on our water treatment solutions including water softeners and conditioners, water filtration and purification, reverse osmosis drinking water, and iron & odor removal can be found online at https://reynoldswater.com.

Reynolds Water

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The Perfect Backyard Enhancement: A Gunite Swimming Pool

Posted on by Creative Programs and Systems

Gunite swimming pools are one of the most popular options for homeowners.  Building a Gunite pool requires a crew to dig a hole in the desired shape, the installation of plumbing, and a rebar grid that is the framework of the structure.  The steel rebar frame is secured in place using wire.  Once this has been done a heavy coat of Gunite, a mixture of concrete and sand, is sprayed in between the rebar.

The unit that is used to spray in the Gunite mixes it with water just before it is sprayed which produces a wet concrete material.  It is then smoothed out and left to dry.  The Gunite drying process can take upwards of two weeks.  When the mixture dries it will be rough.  The smooth finish that we are used to comes from plaster that is installed over the rough concrete.  Although plaster is the most popular option in pool finishes, some homeowners choose to use tile, exposed aggregate, and pebble applications.

There are many advantages that come with having a concrete pool installed over other options available to homeowners.  It is not only an incredibly durable method of constructing a pool, it is also respected as one of the highest quality swimming pool construction materials.

Gunite is used more than any other material in both residential and commercial pools.  One reason that the combination of Gunite and plaster is so popular is because of its durability.  It is a material that hold up well in a number of different environments and is able to withstand high usage.

There are endless design options when you are using Gunite and plaster in creating a new pool, unlike fiberglass pools which are prefabricated.  The sturdiness of these pools comes not only from the concrete base and plaster coating but also the usage of rebar in the base structure.  Gunite pools are meant to last forever even if the plaster layer may need to be redone overtime.

There are many options to choose from when picking out plaster for your pool from traditional white plaster to quartz aggregate, there is a finish that will enhance your pool landscape.  Choose a plaster for your pool that takes your ordinary backyard pool and transforms it into something spectacular.  Colored plaster is a perfect option especially when the features surrounding the pool are not able to be updated and you need the pool to be the focal point.

Learn more about Pound Pool Plastering and their numerous pool plastering options including: pool resurfacing, plaster surfacing, commercial pool plaster, residential pool plaster, plastering swimming pools, tiling swimming pools, coping swimming pools, and more at www.pound-pool-plastering.com.  To contact our pool plastering specialists call 248.476.4544 today.

Pound Pool Plastering

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The Many Reasons You Should Use A Broker When Signing Up for Medigap

Posted on by Creative Programs and Systems

The road to finding the perfect fit from a Medigap policy is long and hard.  With all the decisions that need to be made it is advisable for seniors to meet with a Medigap broker before choosing a plan to accompany your Medicare Part A and Part B insurance.  Below we have listed the top reasons that it is necessary to use a Medigap broker when looking for supplemental insurance.

  • A Medigap Broker Offers a Centralized Location to Compare All Available Plans

With more than 30 private insurance companies offering Medigap’s 10 available plans there is a lot to consider.  To make an educated decision a Medigap broker supplies you with a full list of plans and providers in your area and will help advise you based on price, customer ratings, the company’s reputation, and forecast for the future.

  • Medigap Brokers Loyalty Lies with You, Their Customer Not the Insurance Provider

Medigap brokers are only paid when you sign up for a plan.  No matter what insurance provider they choose, they will get compensated.  Their allegiance is with you their customer, they want to ensure that you are completely satisfied with your insurance.  If you are not happy with the company that is providing you with insurance, it is then the brokers job to mediate the situation.

  • A Medigap Broker Is Your Direct Representative to Call with Concerns

Although there are often very few issues that arise once you have picked a Medigap plan occasionally a problem may arise.  When they do, you have a direct contact to solve them.  A Medigap broker has a direct financial interest in making sure you are completely satisfied.

  • Medigap Brokers Complete Most of the Enrollment Work for You

Seriously, have you looked at the enrollment form you are required to fill out to enroll in Medigap coverage?  Yep, it can vary between ten and fifteen pages!  No one has the time for that.  A Broker helps complete the application with minimal work needing to be done directly by you.

  • A Medigap Broker Adds Valuable Services

Once again, Medigap Brokers only get paid when they keep providing you services, so they are going to do what ever it takes to keep you informed and happy with the services they are providing.  This means that when annual reviews are needed it is not on you to remember; brokers contact you and make sure that are informed of all the latest news and updates within the Medicare arena.

  • Medigap Brokers Are Free to You

The best part of using a Medigap Broker is that their services do not cost you any additional money.  Medigap enrollees do not directly pay you for your services.  Instead a portion of the premiums that are paid to enroll in Medigap is allotted to cover their services.  Why not use a service that is being paid from your premiums whether you use them or not?

The experts at eMedigap Plans, powered by Omega, have all the answers you are looking for when it comes to your Medigap Supplemental Insurance needs.  More information can be found at http://emedigap-plans.com.

Medigap Insurance Plans

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Avoiding the Medicare Late Enrollment Penalty

Posted on by Creative Programs and Systems

Three months before you turn 65 you should receive a packet of information that tells you exactly what you need to do during Medicare open enrollment to insure coverage.  Open enrollment only lasts for three months before the month you are set to turn 65 and for three months after.  If you choose to enroll in Medicare outside this period, you will be subject to a late enrollment penalty.

Late Enrollment Penalty

There are four different parts of Medicare which each have their own penalty for late enrollment.  These four parts are: Medicare Part A, Medicare Part B, Medicare Advantage, and Medicare Plan D.  There are penalties for each separate part of Medicare if you choose to enroll late.

Medicare Part A

Most likely you will automatically qualify for Medicare Part A when you turn 65.  If you do automatically qualify, often there is not premium.   Automatic coverage occurs for recipients who have, or who have a spouse who has, worked at least forty quarters in the United States.  This equates to ten years of employment in the U.S.

If you have not met this qualification, then when eligible you will be required to pay for premium for Medicare Part A.  If you choose not to at the time, waiting until a later date, your premium will increase monthly by 10%.  The increased premium will need to be paid for double the number of years you could have had Medicare Part A but did not choose to sign up.

Medicare Part B

Medicare Part B is like Medicare Part A in that your enrollment in benefits are automatic.  Like Medicare Part A, if you are not enrolled automatically you will need to enroll in Medicare Part B when you become eligible.  If you choose not to enroll in Part B when you are first eligible you will be charged a late enrollment penalty for the entirety of your coverage. The penalty has the potential to increase by 10% for every year you did not sign up but were eligible to do so.

Medicare Plan D

Medicare Plan D, also known as prescription drug coverage, is one plan that you will not automatically be enrolled in.  It is encouraged that you enroll in prescription drug coverage with in the enrollment period.  If you do not and you are not enrolled in any other prescription coverage the penalty you pay multiplies 1% of the “national base beneficiary premium” times the number of months that you have not had prescription drug coverage.   The premium is rounded to the nearest ten cents.

Exceptions

If you qualify for a Special Enrollment Period, you may avoid the late penalty for Medicare Part A and B.  This special enrollment period occurs when seniors are still working at 65 and delay enrolling in coverage.  The same is true as well if you are covered under your spouse’s medical insurance.

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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