Livingston Reporting - page 123

5 Questions You Want to Ask Your Kitchen Contractor Before Your Kitchen Renovation

Posted on by Creative Programs and Systems

When it comes to renovations the kitchen is a complex home improvement projects you can get involved in.  As a homeowner you must make all decisions throughout the renovation project.  The kitchen has changed from a place of simple food preparation to an open area, multi-functional space that is the soul of your home.

No matter what size, the kitchen is a big part of every modern household.  Kitchen design contractors consider several elements including the size of the space, the desired style, trends, and the best use of space when preparing for each unique kitchen renovation.  This installment will help offer you suggestions on the working with your contractor on planning for your new kitchen.  Your contractor will go over elements such as appliances, cabinetry, surfaces, and finishes as well as material to use and extras that you desire.

Soon your dream kitchen visions will become a reality.  Before you sign on the dotted line and hire a contractor there are a few questions to ask that will help you make sure you know exactly what you are getting yourself into.  These questions will help ensure you stay within your given budget, your home is secured while contractors are working on the home and that you get your kitchen put back together in a timely manner.

  1. How will you itemize your bid breakdown?

Tell the contractor to itemize the bid by breaking down the bid into stages, this will give you a better understanding of what you are been charged. Some contractors will supply you with an overall quote, but that’s not the best way to go if you want to make sure your contractor isn’t overcharging.

  1. What are the extra costs outside the original quote?

Before your final deal signed with the contractor, make sure he or she isn’t going to add on extra fees without asking you first. This you make clear to him/her during the process of deal negotiations, that you will not bear or accommodate addition fees which are outside the real deal. Some contractors charge for things such as demolition, junk removal, painting, and other tasks. In some cases, you may be able to handle these things yourself to avoid extra charges.

  1. Who are the members of your team that will be working on the renovation?

Security of your home matters, and it is foremost in a situation like this. Depending on the size of the contracting company, there might be few or many workers deployed to your home on daily basis during the period of the renovation, if you have children, pets or other valuable, it’s important that you get to know your contracting team before allowing them to enter your home. Once hired, you want to secure a plan with the team to make sure they’re properly locking doors, securing pets and keeping materials out of harm’s way.

  1. What is the time frame on our kitchen remodeling?

Naturally, the duration of the project should be well spelled out; this will enable you to have proper time planning during the project execution having known the start and end date. It’s only natural to want a detailed timeline of your cabinet installation. Time contractors take in your home is time spent away from your kitchen, and it can be hard to spend several weeks eating out. You may even consider setting parameters for your contractor and asking for discounts and other incentives if work isn’t completed in the time frame you’ve agreed upon, and this will also propel the contractor to work hard to enable him to meet the time frame.

  1. Can you provide references? Do you offer a warranty on your work?

You might meet contractors that will play down on you with the pretense of giving you the best of renovation job, as such you need more assurance that you are dealing with the right contractor, and you do this by looking for contractors that will guarantee their work with written warranties. If they don’t offer one at the outset, make sure you request one to protect your kitchen from sub-par workmanship or low-quality materials.

Also, if the potential contractor wasn’t recommended to you by someone you trust, or even if they were, it’s perfectly acceptable to do a little reference work yourself. If your contractor is happy to supply references, give past clients a call and gauge their overall feelings on the completed work he has done for them before now.

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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The Basics in Wiring Electrical Disconnect Switches

Posted on by Creative Programs and Systems

Understanding how the electrical system works in your manufacturing facility is not as difficult as you may think. While it may seem like magic how the lights turn on or how the power gets to your stuff that you plug into the wall outlet. However, it is far from magical and in fact it is quite simple really. It is not a very complex system when explained.

 

There are several parts that make up your electrical service, one of the most important parts being the disconnect switch. This device is designed to instantly shut off the power to your facilities main power panel. This device is a very important part of your manufacturing electrical system and should only be used in extreme conditions.

 

How does an electrical disconnect switch work?

The basic operation of an electrical disconnect switch is simple in that it truly has only one purpose and that is to kill the power to the main power panel for your facility. All the facilities wiring goes into the main power panel and is connected to breakers that control the power inside the building. The disconnect switch sits in line between your facilities electrical meter and main power panel.

 

By turning this switch off you will instantly disconnect all power going into your location, this does not however, have any effect on your electrical service. You will continue to have power at the meter and on the feeder side of disconnect switch.  It is important to know where your electrical disconnect switch is, which is also referred to as the electrical service disconnect switch.

 

When repairs or replacement is needed it is important to find the right parts.

Due to the seriousness of the functionality of the electrical disconnect switch only trained professionals should ever open up the disconnect switch box. This is because the feeder lines going into the switch have 240v running through them and that is enough to kill a person if you are in direct contact with it. When repairs are needed, and it becomes necessary to replace the electrical disconnect switch there are several options that will be recommended.  One of the more common options in manufacturing is budget friendly reconditioned disconnect options.

 

When parts are needed you can insist on using reconditioned equipment.  Often reconditioned electrical components like the disconnect are preferred as they not only save you money but most often all the bugs that are found in new OEM parts have been worked out and fixed.

 

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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Caring for Your Aluminum Fence

Posted on by Creative Programs and Systems

Unlike traditional wood gates and fences, aluminum fences and gate do not need regular maintenance.  However, to preserve the beauty and to ensure the prolonged existence of your aluminum fencing and aluminum gates, an annual schedule for maintenance should be planned.

Cleaning and Caring for Your Aluminum Fence

Spray your aluminum fencing regularly with water using your garden hose. This helps to eradicate fertilizer chemicals, dirt, and grass clippings thus, keeping it looking as good as new. In coastal areas, frequent spraying of your aluminum fence panels with water is advised to reduce the buildup of dirt and salt.

Light Cleaning

Rinse your aluminum fencing with water from top to bottom and then back up. This cleans the surface and prevents streaking as well as the gathering of dirty “run-down”. After rinsing, wipe the fence with a lint-free, soft cloth or better still, air dry.

Thorough Cleaning

For more filthy parts of your fence, first rinse the surface of the aluminum fencing with clean water and then wash with a sponge and mild dish soap mixed with water. Make sure not to allow soap to collect on the surface and, rinse any “run-down” immediately. Once washing is done, rinse the whole section with water. Dish soap must not dry on the surface! Air dry or wipe with lint-free, soft cloth. Carry out these steps repeatedly to get rid of water soluble debris.

Make Use of Cleaning Products

Degreasers and cleaners can also help with stain removal especially for stubborn stains. Simple stains can be cleaned by applying a degreaser which must be rinsed after applying. For stubborn or hard water stains, cleaner such as CLS.  It can come in handy to remove stains. It should also be rinsed after use.

However, adequate care should be taken when making use cleaning products for your aluminum fence as some abrasive agents, household cleaners, steel wool or cleaners with solvents contain harsh chemicals which could cause discoloration and damage to your fence.

Maintaining Your Aluminum Fence
  • Adjust the aluminum fencing panels every spring. This is a normal maintenance activity that must be performed by the homeowner.
  • Always keep your aluminum gate secured to prevent it from swinging in the wind.
  • Make sure to tighten the screws on your aluminum posts and panels at least once a year.
  • Carry out frequent inspections to check for any loose aluminum fence post and once you find any, simply re-tamp & realign.
  • Avoid mounting or stacking any materials or objects beside your fence.
  • Make sure not to make use of weed trimmer at the bottom of the aluminum fence panel

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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Reliable, Reputable Roofing

Posted on by Creative Programs and Systems

A roof is one of the most important and essential construction properties of a house. In fact, the cost of roofing a house is almost the same as, if not more then, the cost of erecting the structural building from scratch. Also, the roof of a building determines about 60% of the overall beauty of a house. Therefore, you need the service of professional roofers for perfection.

Whether it is a roof installation, repair, or any other related work, you need the service of a reliable and reputable company that can carry out this task effectively. Here are some ways to insure you are hiring a professional roofing contractor when your roof needs servicing.

Research Options Available in Your Area:

The first step to take when hiring a commercial roofing company is to perform background research on the various options available. The essence of this research is to find out about the companies in the area with impeccable track record of success. Also, you also use your research to find out a company that is certified and has experienced workers that can successfully undertake your project. Generally, the best idea is to choose a trustworthy and reliable company with high-quality service for a long-lasting and effective roof installation, repair, and maintenance.

Ask About Specialization:

Some local roofing contractors have an area of specialization. For instance, a company can specialize in roof installation only while another can specialize in roof repair or some specialize in metal roof installation over asphalt shingling.  It is a wise idea to go for roof installation professionals if you just want to install a new roof. The same is true if want to repair/replace your existing roof although some general roofing contractors offer roofing services it is always best to stick with a contractor specializing in roofing.

Ask About Options in Roofing Materials:

Your potential roofing company must be ready and willing to suggest the different roofing options available, such as slate, metal, shingle, flat roofing, asphalt, and so on. The quality of the material to be used must not be compromised on if you want a sturdy and long-lasting roof.

Referrals, Referrals, Referrals: For any material you choose, your potential roofing contractor must provide you with several patterns, styles, and design options available. This is another important tip that will help you choose the best professional roofers. Ask for referrals of jobs in which the material you are considering was used.  Seeing for yourself the quality and craftsmanship they offer.

Budgeting:

Lastly, your potential roofing company needs to be willing to work with your budget by offering affordable cost of roofing services, free estimation, and special financing. More so, the company must offer an emergency and support services especially after a few weeks of installation, repair or maintenance should in case an emergency occurs, or you have roof-related issues.

Hiring professional roofers is essential in ensuring that your roof is properly installed and well maintained for longevity and effectiveness. There are many local roofing contractors out there and choosing a reputable roofer can seem difficult. The above tips will assist you in choosing the right roofing company for your next roofing installation, repair, and maintenance project.

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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Planning A Milestone Birthday

Posted on by Creative Programs and Systems

As adults we don’t tend to make a big deal about our birthday each and every year however the game changes when it comes when we reach major milestones.  Planning a special event can take a lot of time and planning which is something most of us don’t have extra of when we are reaching the 40, 50, and 60-year marks.  Thankfully this is where event planners come into the picture.

 

An event planner helps to take your vision and turn it into reality without much more than your input.  It is important to work with a professional in planning larger milestone celebrations to truly take the time to enjoy it rather than stressing about the details weeks.  A party planner takes charge from the inception of the idea until the last guest leaves allowing you to be the social butterfly you want to be when celebrating a major milestone in your life.

 

Below you will find a short list of some of the things that an event coordinator will take care of for you so that you can sit back and enjoy the event.

Invitations:

Your invitation will set the tone for the entire event and allows you to make a first impression to remember. The part of invitations that is tedious and not fun to deal with however, is the addressing them, sending them out, and responding to R.S.V.P.’s or worse yet those guests who never respond at all.  As an event coordinator it is our responsibility to track down your guests, make sure counts are accurate, and that everyone is knowledgeable of the day’s events.

Decorations/Colors:

Since most people don’t specialize in planning for an event, if left to their own accord often end up choosing from themes and colors commonly found at the local party store.  This is not the case when you hire a professional. Just because you are turning 50 and heading “over the hill” as it is often coined doesn’t mean you have to have an event themed around growing older.  Instead we help you to build an event around what makes you unique.  We create the day around you.

Attention Grabbing:

It is important to make sure that guests feel included in the event to ensure that they enjoy themselves and help to create the atmosphere you are looking for in your event. It is our job to grab their attention and guide them towards the theme.  Chilled events with wine and cheese trays are much different than those with themed adult beverages and photo booths with props.  The tone is set by planners who are guided by your direction. It is also important for you as the party’s guest of honor are recognized and readily available to mingle with guests.

Activities:

No one wants bored party guests. It is important to have things for guests to do as they arrive at the event all the way up until they leave.  Whether it is hiring live entertainment or offering interactive group games via smartphones it is crucial to keep events moving forward.  As a part of the party you don’t want to be worried about if people are having a good time, that is our job.

Presents/Parting Gifts:

Even when invitations specifically say not to bring a gift you can be assured no one will listen. We prepare for the unexpected and make sure that you come prepared as well.  Every detail, down to the partying memory you give guests to take with them is planned for you around your ideas without any actual leg work needing to be done on your part.

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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Custom Mobile App Development vs Template Designs

Posted on by Creative Programs and Systems

A single mobile app concept can literally change the way we operate in the world today. App ideas like Facebook, Uber, and Pinterest are extremely popular today, not because they have been initiated by famous people but rather the innovative approach of these mobile applications that has surprised the technological world.

What is the difference between custom-built apps and template-based apps? In nutshell, an application programmer for mobile devices creates a custom application from scratch, to fit perfectly to your specific needs, by writing the code for each function. And they will create new codes to give your application the unique features that you and your team recognize are appropriate to meet the goals of your own application.

On the other hand, a template-based mobile application is when a designer uses existing models as the basic framework on which to import and “copy-and-paste” their designs. What are the practical disadvantages of template-based applications?

  1. Custom apps are tailored to your specific needs

Template-based applications are limited in terms of functionality, both now and in the future. Basically, what you get with a template is limited to the features that come with it.

However, with a custom built application you can edit, refine and modify according to your needs, where you only pay for “adding” or “remodeling” without having to eliminate everything.

  1. Custom app development is unique and authentic

Unlike Custom-built, application templates are not originally designed to attract many end-users. They, therefore, combine several characteristics recognized by designers to attract a general market instead of adapting to the unique nature and needs of their specific features.

  1. Templates are outdated

Template-based mobile apps are usually based on older code designs because they were developed a long time before you realized them: Therefore, might not conform with the latest running OS on the IOS or Android.

  1. Troubleshooting

Using Android as an example. There are thousands of different Android smart devices. with varying sizes of screens, operating platforms, and manufacturers. Proper coding of an application to run on so many devices is a very complex task, requiring a high level of experience that only the best code developers have. No mobile app template can guarantee the possibility of creating an application compatible with all available Android devices.  Therefore, the average mobile app template normally works properly between 3% and 8% of Android devices. On the contrary.

  1. Templates are not usually optimized for search engines

A major disadvantage of a mobile app designed with a template is that they cannot normally be “SEO” (search engine optimization, also known as “app discovery”). Without proper SEO, search engines do not place the app in the appropriate categories. So, when you look at different categories of applications, you will see that many applications appear that have nothing to do with your searched results, even when you do a search with the app name.

You must evaluate the costs and benefits of each type of application. If you do not understand what is needed it is easy to end up with an app that doesn’t meet your need.  A personalized, custom designed mobile app, with appropriate “SEO”, is one of the best commercial tools and/or marketing investment that any company can achieve. It is an investment that will yield desired results over and over. Whereas a template-based designed app will offer a much lower return on investment.

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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Buying and Selling a House at the Same Time

Posted on by Creative Programs and Systems

The process of buying and selling a home can be very stressful especially if you find yourself in a situation where you are doing both at the same time.  Depending on the housing market in your area it can be tricky for to juggle both process at the same time.  It becomes incredibly important to rely on a reputable, local realtor to facilitate.

 

In this installment, we will provide valuable tips and recommendations to educate homeowners in the process of achieving what may seem like an impossible task, to sell their current home while purchasing a new dream home.

 

Understand the Housing Market

Before you jump right in and look to buy and sell a home, you want to be sure that you find out about the housing market. If you are looking to buy a new home in the same market that you currently live it should be slightly easier than if you were leaving the area for whatever reason.

 

Create a Plan of Action

One of the best ways to ensure that you will be more likely to be successful in buying and selling a house at the same time is to plan. This plan should be as realistic as possible, make all your goals actionable and attainable. There is no sense making a goal that is not achievable, that would be one sure fire way to be unsuccessful. Including a professional real estate company in the process is a must.

 

Don’t Rely on Timing

When buying and selling at the same time there are so many things that can go wrong and timing may seem right, but it could easily change when the buyer of your home runs into problems during closing. It could also happen to you when you are set to close on purchasing your new home and then something sneaks up and throws a monkey wrench into the works and you are stuck. Sometimes even the best plans can go awry, and you will have to go back to the drawing board to salvage your overall goal.

 

Align Your Finances

One way to make buying and selling houses simultaneous much less stressful is that if you are able to work with a new lender that is willing to work with you to establish your new mortgage and discuss the possible need for a bridge loan to help with paying both mortgages until you can sell your home. You can also request a contract contingency option which means that your home purchase is contingent on the sale of your home. This may or may not be a viable option in all circumstances.

 

Don’t Let Fear Make Your Decision

When it comes trying to buy a new home and sell your existing home at the same time it can be a bit unnerving. The likelihood that you could be stuck carrying two mortgages for a brief or not so brief amount of time is fairly high. However, you must at all cost not allow yourself to let the fear of not being able to afford the two mortgages at the same time to make a bad decision that could end up costing you a lot of extra money.

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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Predictive Maintenance: A Strong Strategy for The Longevity of LINAC Systems

Posted on by Creative Programs and Systems

If you are responsible for the operation of the linear accelerator equipment at your facility than you already know that to keep the machine running as accurately as possible it has to be maintained properly. Whether you are talking about some scheduled outage so that you can run all the necessary tests, do diagnostic and replace parts that have shown that they are in need of replacement before they go out.

 

Establishing a good Predictive Maintenance Schedule

 

One of the best ways to ensure that your Linear Accelerator equipment will be ready to go if it is necessary to be used for treating a patient. One of the ways to ensure that your equipment is running properly is to be sure that all the linear accelerator components are running correctly. Having a good maintenance schedule requires you to have linear accelerator replacements parts to be able to complete certain types of maintenance.

 

Benefits of Predictive Maintenance

 

Dramatically reduce equipment downtime – By being able to identify potential problems before they rise to the level of affecting the proper operation of the linear accelerator equipment. This makes it highly likely that your machine will be available when the need arises for the machine. This also means that you can make plans to have specific linear accelerator replacements parts on hand when they would be needed to be replaced.

 

Diagnostic equipment is considerably cheaper – The latest technology being used in today’s diagnostic equipment and the software that they use to run are cheaper to acquire and this makes them considerably cheaper to use.  When you have the right equipment to do the job, you are far more likely to be able to keep your equipment running properly.

 

It can be used effectively for any size company – The linear accelerator equipment typically uses sensors that make it possible to check the proper operation of the machine. However, this does not offer real-time data, so it is not the most effective method. This is where the diagnostic equipment used in predictive maintenance is far more effective. This makes it possible for more companies to be able to use predictive maintenance, even if they are a smaller size company.

 

Real-time data makes catching potential problems much more likely – When it comes to detecting potential issues having real-time data is the best way to. This is one of biggest advantages to having the diagnostic equipment in the hands of your maintenance personnel to be able to schedule them to proactively check all the components of the machine to ensure that they are working properly.

 

It is the most proactive form of equipment maintenance – There are three distinct forms of equipment maintenance that a company can use to keep its equipment running and reducing downtime. The three types of maintenance are reactive, preventative and proactive maintenance. Each one has its own set of advantages and disadvantages when it comes to which one is the better however when patient care is the most important factor, as it in the treatment of cancer, predictive maintenance allows planned downtime instead of emergent care.

 

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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How Simple Chimney Maintenance Improves Its Lifespan

Posted on by Creative Programs and Systems

The chimney or fireplace is a beautiful and important part of the home. However, this part of the house can be potentially dangerous if it is not properly cleaned and maintained. Hiring a professional chimney repair contractor can keep your family safe and improve the lifespan of your fireplace. Chimney repair and maintenance contractors can visit your home regularly for routine maintenance and repairs.

Chimney Hazards

As easy as simple chimney maintenance can be, it can save you a lot of potential chimney hazards. One common problem of traditional chimneys is the accumulation of creosote. Creosote is a substance produced by burning coal and wood in fireplaces and is highly flammable. This substance is usually dark brown in appearance and can appear tar-like and sticky, dry and flaky, or shine and hard depending on the type of fuel you burn and the rate of condensation inside your chimney.

Dangerous chimney fire if you allow creosote to build up inside your chimney. These can be slow-burning fires that cause severe damages to the internal structures of your chimney. A popular sign of creosote buildup and slow-burning fires is low rumbling sound. This issue, if not immediately attended to, can escalate into explosive fires that your neighbors will see and hear.

In fact, modern chimneys that do not use either wood or coal for fuel have their own shortcomings too. They can become rust, corroded or wear away. These natural deteriorations can still have a dangerous effect on your house.

Likewise, old chimneys made of bricks and stones also require rebuilding or reinforcement. Remember that brinks can become weak over time and may crumble during earthquakes or erosion. All these effects can reduce the effectiveness of your chimney and ultimately shorten its lifespan.

Preventing Chimney Problems

A simple chimney maintenance and instant repair of structural problems as soon as they start developing are two key ways of preventing chimney fires and improving chimneys lifespan. Chimney cleaning is not as easy as you might think. You need some gadget and equipment to effectively clean a chimney. Therefore, you require the assistance of chimney repair contractor to keep every part of your chimney in a good shape.

Usually, the companies that offer chimney cleaning services also offer chimney repair services. Therefore, in case your chimney needs to be repaired, the contractor will also handle the process for you. Furthermore, chimney inspection comes in three levels.

  • Level 1 chimney cleaning is for standard annual inspections
  • Level 2 chimney cleaning is for more in-depth inspections of the chimney and the rooms closer to it.
  • Level 3 chimney cleaning is for thorough inspection when level 1 or 2 has revealed a possible problem with your chimney. A simple chimney cleaning can reveal the areas that need repair and the types of repair that are needed.

Finding Professional Cleaners

If you have a chimney, you need the services of a chimney repair contractor to inspect your chimney, perform simple cleaning, and make necessary repairs. This will prevent your home from any potential hazard and likewise improve the overall lifespan of the chimney. When was the last time you cleaned your chimney? Do you need a chimney cleaning contractor right now? Contact us today!

Learn more about Kearns Brothers, a full-service home improvement contractor servicing all Southeast Michigan’s construction needs by visiting their website at www.kearnsbrothers.com or contact a remodeling expert at 888.355.6700.

 

Kearns Brothers

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What Is Medigap Insurance and Why is It Useful?

Posted on by Creative Programs and Systems

Medicare is a good basic health coverage program for the elderly, which helps eliminate some of the high cost of medical care. However, while Medicare covers a lot of the health care costs it does not cover all the costs which is where the Medigap insurance comes in.

What is Medigap Insurance?

Medigap insurance is insurance you buy from a private insurance company that is licensed to carry this type of insurance. Like other types of insurance, you pay monthly premiums to the insurance company for this additional insurance.

In order to get Medigap insurance you must have both Medicare part A and part B but cannot have a Medicare Advantage policy or have a Medicare Medical Savings Account Plan. Your Medigap insurance premium must be paid in addition to the premium you pay for your Medicare part B. In addition, Medigap insurance only covers one person, so if both you and your spouse have Medicare and want Medigap insurance, you both must carry a policy, and both have to pay premiums for the coverage.

Why Is Medigap Insurance Useful?

Medicare pays 80% of your medical bills after you have paid the Medicare part B deductible. That means 20% of your medical bills need to be paid by you. Medigap insurance helps cover the other 20% of the health care costs that is not covered by your Medicare insurance including those co-pays and deductibles and health care you receive when you are visiting outside the United States.

There are some things that Medigap insurance won’t cover including:

  • Prescription Medication- (since 2006)
  • Vision care
  • Dental care
  • Hearing aids
  • Eye glasses
  • Private Duty Nursing care

Medigap Insurance is Renewed Even if Your Health Deteriorates

As long as you continue to pay your Medigap insurance on time every month, your Medigap insurance can’t be denied even if your health deteriorates and your medical bills rise. This gives you a feeling of security when seeking health care.

Additional Information Regarding Medigap Insurance

There is some additional information regarding Medigap insurance you should be aware of if you are considering getting a Medigap insurance policy. Any Insurance company that sells you a Medigap insurance policy must clearly identify the policy as Medicare supplement insurance.

There are several Medigap insurance policies available and all Medigap insurance policies must offer the same basic benefits, but some policies offer additional benefits along with the basic benefits.

In addition, any insurance company that sells Medigap insurance must offer Plan A and either Plan C or plan F. However, they do have to offer every Medigap plan that is available, so you need to learn about the various plans so that you choose the plan that is right for needs.

Medigap insurance can help you offset the rising costs of medical care as you grow older. While you do have to pay monthly premiums for your Medigap insurance the cost of these premiums may be offset by the amount of money you save in medical bills. Only you can decide if Medigap insurance is right for and which policy will best meet your needs.

 

Learn more about Medigap plans and rates at http://emedigap-plans.com.  Medigap Insurance brokers will help you compare Medigap Insurance rates and plans.  To talk to an expert in Medigap coverage call toll free 888-452-7949!

Medigap Insurance Plans

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