Livingston Reporting - page 190

Comparing Medigap Plans in Tennessee

Posted on by Creative Programs and Systems

With a per capita income of $19,993 and an average cost of $20,000 for Medicare plans that unfortunately do not have a wide enough coverage for all circumstances, the average Tennessee resident is clearly not getting a good deal for his money. That’s why we have Medigap in the picture.

Medigap is an alternative health policy offered by private companies to cover for the lapses of the government established Medicare. Basically, what Medigap does is to cover for those things that Medicare does not cater for, such as co-payments, deductibles, and health expenses incurred outside the USA.

To apply for Medigap coverage, you must be covered by Medicare Plan A or B. The Medigap is sold by underwriters licensed to do so. A Medigap policy covers just one person; no group packages. It also does not cover some aspects of healthcare such as eyeglasses, hearing aids, dental care, private duty nursing and long term care. Medigap is available to persons above 65, young persons who have been eligible for social security for at least 2 years, and persons suffering from terminal renal disease.

Borrowing from Medicare’s lingo, Medigap has 10 plans, namely, A, B, C, D, F, G, K, L, M, and N. Each plan comes with unique offers to fit the needs of different persons. The offers range thus:

  • Medicare Part A Coinsurance
  • Medicare Part B Coinsurance
  • Medicare Part A Deductible
  • Medicare Part B Deductible
  • Skilled Nursing Care Coinsurance
  • Copayment
  • Charges for the First 3 pints of blood
  • Medicare Part B excess charges
  • Foreign Travel Exchange

For instance, if you subscribe for Medigap Plan B in Tennessee, you get coinsurance for Medicare Part A and B for up to a year after Medicare benefits are finished, skilled nursing facility care coinsurance, and first 3 pints of blood, amongst other things. Other plans also vary in what they offer, thus ensuring that you the subscriber, gets a package that is exactly what you need, nothing more, nothing less. But it should be noted that the Plans are universal across all states, since they are still regulated by federal and state laws. However, we offer the best prices on Medigap insurance policies.

As a Tennessee resident, you are eligible for Medigap if you are registered for Medicare Part A and B, and also 65 and above. Medigap plans are available in over 99 counties of Tennessee namely Van Buren, Jackson, Coffee, Bedford, Sumner, Houston, Rutherford, and Cheatham, just to name a few.

Already, there are over a 160,000 Tennessee residents enrolled for Medigap, and joining their swelling ranks is a piece of cake. The best time to apply is before you turn 65. This way you have guaranteed pick from the 10 available Medigap plans. The application process is also much easier. Anything later than this might result in fewer options and you might be stuck with a plan that doesn’t exactly suit you.

Learn more about Medigap plans & rates in Tennessee at http://emedigap-plans.com/tennessee-medicare-supplement-plans.  Our Tennessee Medigap Insurance brokers will help you compare Medigap Insurance rates and plans in Tennessee today.  To talk to an expert in Tennessee Medigap coverage call toll free 888.404.5049 today!

Medigap TN

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Comparing Medigap Plans in Arizona

Posted on by Creative Programs and Systems

You’ve given your best days to making something out of your life, for your family, and the nation, and now it’s time to lounge on your favorite reclining chair, while grandkids romp all about. But all this can easily be snatched away when there is a lack of access to good health care plans that cater for all the uncertainties of old age.

If you reside in Arizona, worry no more, because Medigap is here to fill in the void created by conventional healthcare plans. Now you probably wondering, what is Medigap? What happened to Medicare?

According to Medicare.gov, Medicare is the federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD). It comes in 4 parts (A-D)  that cover Hospital Insurance, Medical Insurance, Medicare Advantage, and Prescription Drug Coverage respectively.

Medigap is a supplementary health insurance offered by private companies like us to cover the costs overlooked by Medicare, such as co-payments, deductibles and healthcare outside the US. Medigap policies are available at a monthly premium and come in categories A, B, C, D, F, G, K, L, M and N. But as a precondition, you must be subscribed to either Medicare Part A or Part B.

We understand that one size can’t fit everyone. That’s why each of Arizona’s 10 Medigap plans comes with unique offers to fit everyone. That way, you don’t get stuck with more or less insurance cover than necessary. For instance, Arizona‘s Medigap Plan A covers the cost of coinsurance and co-payment for Medicare Part A and B for up to a year,  even after Medicare benefits have been used up. What about Plan N?  It covers everything Plan A does, goes further to offer skilled nursing facility care coinsurance, and foots 80% of healthcare expenses incurred outside the US, subject to plan limits, and that’s just 2 plans. There are 8 more in between. With Medigap, you cannot be stuck for choice.

And that’s where we come in.  Our seasoned insurance brokers are ever on hand to guide you through the process of choosing the plan that suits you perfectly with a series of tested and trusted questions. Another thing you should know- it doesn’t matter who you buy the Medigap policy in Arizona, as your insurance policy is identical across board, but we can help to get the best price!

It is noteworthy that Medigap plans operate per person. So in the event you want to purchase a family plan, you’ll have to purchase one per head. Medigap also does not cover eyeglasses/eye care, hearing aids, private duty nursing and long term care.  Eligibility is also restricted to persons above 65, and young persons eligible for Social Security for more than 2 years and patients with end stage renal disease.

But on a final note- it would be advisable to apply for Medigap within the 6 months window for enrolment, that is, first 6 months after turning 65. Not only will your application be promptly accepted without extra consideration of your health history or condition, you also have a greater chance of getting the plan that suits you the most. Unlike late application that might limit your choices and thus, prevent you from getting the package that fits you.

Learn more about Medigap plans & rates in Arizona at http://emedigap-plans.com/arizona-medicare-supplement-plans.  Our Arizona Medigap Insurance brokers will help you compare Medigap Insurance rates and plans in Arizona today.  To talk to an expert in Arizona Medigap coverage call toll free 888.404.5049 today!

Medigap AZ

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Best Methods of Collecting Animal Biological Products for Research

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Animal biologicals include whole blood, plasma, serum, hormones, body fluid, glands, and tissues. The objective of collecting the biologicals is to ensure that they are free of every form of contamination. The principles that determine the collection of high-quality animal biologicals are determined by the animal source, the collection process and the storage of the products.

The animals in question should be antibiotic and anti-parasitic-free. The feed and water given to the animals must be certified to be free of any form of contamination. The animals should be healthy in every ramification, without merely the absence of disease. Sick or diseased animals should not be used as sources of biologicals. Any antibiotics to be administered to any animal should be certified by a veterinarian and must be given at least 21 days before the biologicals are collected. Antibiotic contamination limits the use of the biologicals and skews results. Parasitic contamination affects the integrity of tissue samples.

The samples should be collected when the animals are least stressful, as stress affects the quality of the samples. Sometimes, the biologicals have to be collected from genetically modified and pregnant animals for specific studies of such diseases as endocrine disease, diabetes, cancer and Alzheimer’s. The samples should be collected in the least painful manner. The conditions for the collection process must be aseptic in line with regulations for research. These regulations guide the restraint of the animals, the disinfection of the collection site, and the use of proper equipment. Collection sites should be shaved, and disinfected with 70% alcohol before and after the collection of blood.  New syringes should be used for each animal, and used syringes should be disposed immediately and appropriately. Biological products may be collected at abattoirs pre-slaughter or from donor animals on farms.

Blood is collected though a vacutainer and then transferred into vials, bottles or bags. It is more preferable to use a vacutainer instead of a syringe. To collect sera for serological analysis, no anti-coagulants are used. The blood sample should be made to stand at ambient temperatures for 1-2 hours. If the collection of whole blood is the goal, then the collecting receptacle would contain one of the following anti-coagulants: Sodium Heparin, Alsevers Solution, Sodium EDTA, or Sodium Citrate. The different anticoagulants have different properties and are suitable for different laboratory procedures. Whole blood samples should be transported to the laboratory at 40C and not frozen.

Blood collection without fluid replacement is restricted to 10% of the total blood volume on a single occasion. Where blood collection would be regularly repeated, a canula may be used to reduce stress. At least 2.5ml and at most 10ml of blood should be collected per animal for an analysis.

Tissue harvest should be started immediately after euthanasia to prevent bacterial contamination through intestinal seepage. Organs should be observed in situ before tissue samples are removed. Tissues may be immediately fixed to prevent decay, autolysis and putrefaction, and thus preserve cells for examination. 10% buffered formalin is best for fixing tissues. The downside to preserving tissue with formalin is that it ruins the examination of the tissue for certain tests, such as microbial examination.  Alternatively, tissue may be refrigerated at 40C for short periods or frozen at -100C for longer periods.

Learn more about Innovative Research and our high quality research materials including human, plant, and animal biological, ELISA & Assay Kits, proteins, antibodies, cell cultures, blood, serum, plasma, and more.  More information can be found at https://www.innov-research.com/ or by calling 248.896.0145.

Innov-Research

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Aluminum Driveway Gates and Fencing Increase Home Safety

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Aluminum is a lightweight and versatile metal that has been incorporated for security purposes in many residential and commercial properties. From pool barricades to aluminum driveway gates and fencing increase home safety with quality and professional design solutions. Understanding the features offered with such creations will encourage a flexible, functional and appealing construction that lasts.

Aluminum is a popular choice of material in the production of fences and secure barriers because of its exceptional properties. For homes looking to improve its safety and security, the installation of a durable yet simple to maintain fence can provide lasting value.

Whether an aluminum fence is used to secure a pool, as a driveway gate or a security fence for a perimeter, it provides a neat and aesthetic appeal. While it does not offer a great deal of privacy, these constructions can transform the appearance of any house from outdated and unkept to modern and well organized.

Security has become a major concern for many homeowners. With intruders constantly looking for ways to gain ease of access, improving safety with durable fencing can help protect you and your loved ones. Grade aluminum fences are the best options to secure your property.

Aluminum driveway gates are constructed to last and include automated function owing to the lighter weight of this metal compared to steel and wrought iron. Not only is electronic operation easy and efficient, but safer. Rather than get out of your car late at night to unlock your gate, automated features help you open the fence without having to climb out of your vehicle. It provides greater control for the home including access control for improved safety measure. Incorporating these types of electronic solutions can assist in delivering an exceptional and reliable result against would be intruders.

Automated fences can swing open provided there are no obstructions or slide along a track. Manually operated driveway gates are slid open and closed. The flexibility of this material makes it easy to operate on a lock and slide mechanism, but automated functionality is best for higher levels of security. To enhance the safety of your home, connect a sensor to the entry gate. It will prevent breaking of locks to gain entrance and makes it easier to manage accessibility.

The aluminum fence is a highly durable construction. Adding sturdy fencing as a perimeter around the front of your house can deter would be criminals. The exceptional strength of this metal combined with spikes and decorative spokes on the top line can help prevent intruders from making their way onto your property.

While aluminum fencing costs more than regular wood, it will not tarnish and does not require maintenance. Security fences are designed with an above average height or the addition of spokes and pickets. These features aim to safeguard your home and provide residential owners with peace of mind that they have made the right security investment decision. The wide range of designs, colors and construction to select, makes such enhancements an invaluable choice for any property.

Learn more about iFence USA and their vast line of custom aluminum fencing options with various grades of aluminum fence to choose from including: Commercial Grade Aluminum Fencing, Residential Grade Aluminum Fencing, Pool Grade Aluminum Fencing, and Industrial Aluminum Fencing at http://ifenceusa.com/residential.php.  To contact one of our aluminum fence experts call toll free 800.762.2907 or via email at info@ifenceusa.com.

iFenceUSA

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Do Custom Labels Increase Product Sales?

Posted on by Creative Programs and Systems

If you are looking to increase productivity and profits, something as simple as a customized label can help transform the way you do business. From professional product packaging to design efficiency, these modern prints can prove an exceptional marketing measure. To answer the question, do custom labels increase product sales a closer look at the promotional power it can provide for companies of all sizes and operations is required.

Why do customized labels increase sales?

In a competitive market, businesses need to remain a step ahead of the game. Industry growth and brand expansion rely on innovation and adapting to change to meet consumer interests. If your brand is not properly labelled, it can create a poor consumer impression and fail to appeal to their buying requirements.

A well-designed product label depicts the branding of the product and company accurately. Packaging created with expert measures taken will avoid any business branding confusion and help better sell products and services. Deviating from traditional styles of labelling and creating signature identification with bold logos and catchy phrases will capture the attention of customers and improve sales.

Modern labels work.

The new styles of labels seen on store shelves and online marketing are unique, bright and include quality print and production. Businesses have moved away from regular branding and incorporated more creative strategy to help their products stand out from their competitors. Statistics have shown that consumers are drawn towards a product line with bold labels that best depict the quality of the brand. Customers should be able to quickly and easily identify a brand by looking at the label. Investing in a high standard of clever and creative design can deliver the best outcome.

Labels represent the brand. Ensure that your products include flexible packaging. Discussing package details with a reputable print and design service company ensure the quality depiction of the range.

A modern type of packaging includes shrink sleeves. These versatile labels are exposed to heat to shrink around a container or jar with perfection and seamless results. Such easy fit seals can provide quick identification and include clear PET or a PVC film.

A bold and innovative label can help stand out from competitors and appeal to markets. Customers should feel compelled to choose your range over alternatives. Logos, catch phrases and brief descriptions will further educate customers on what the business is all about.

Why technology matters.

Most people use their mobile devices and go online to make purchases or learn about a brand. Incorporating the technologies such as QR codes into the labels can help customers obtain important information from simple scanning procedure. This creates positive impressions and assures your target market that your business is prepared to invest in convenience and efficiency for its customers.

The many benefits of customized and professional labels

A custom label creates ease of identification. Bold colours, phrases and unique image appeal make it simpler and faster to identify a brand and its offerings. Lasting customer impressions result from packaging and labelling that are unique and innovatively produced. Investing in smart and effective technology in combination with engaging content can help produce an exceptional business result and improve sales.

Learn more about Anchor Printing and their vast line of custom product label & packaging options including: Shrink Sleeve Labels, Flexible Packaging, Roll-Fed Labeling, Pressure Sensitive and Cut & Stack Labels at www.anchorprinting.com.  To contact one of our label specialists call toll free at 800.748.0209 or via email at info@anchorprinting.com.

 

Anchor Printing

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What To Look For With Refurbsihed LINAC Systems

Posted on by Creative Programs and Systems - Updated

Radiotherapy works by targeting high-energy ray electron beam onto cancer cells, which are more prone to radiation damage than the normal tissues. Linear accelerators are usually multi-modality ionizing radiation generators with associated imaging devices, currently used for delivery of external beam radiotherapy.

2010 Siemens Artiste Linear Accelerator
2010 Siemens Artiste Linear Accelerator

 

The contemporary linear accelerator provides either 6 MeV photons in the “little energy” range machines, or dual/triple photon energy and several electron energies.

The following systems are incorporated into the linear accelerators: multileaf col-limator (MLC) for beam shaping, the capability to deliver intensity modulated radio-therapy (IMRT) and a 3D imaging treatment beams.

Other additional features may be incorporated into the linear accelerators, such as arc-based IMRT delivery, total body irradiation, high-dose rate electrons, etc.
Despite the high capital cost of purchasing them, their high patient through put over a long lifespan makes them extremely cost-effective compared with the other treatment options.

The operation of linear accelerators should be according to the existing standards and regulations which include: IEC standards, radiation, guidelines for radio therapy room design, ETC.

Technical Considerations:
The technology used in conventional linear accelerators is essentially the same for all linear accelerates. The high-energy generation can be achieved either by implementing the “travelling waveguide technology” or by applying the “standing waveguide technology”. The first approach is simpler and very reliable, while the second method features a more stable treatment beam. The generated radiation beam is flattened and shaped using collimation devices to form a beam matching the shape of the tumour. The wave guide, the filters and the collimator are mounted on a gantry which rotates around the patient, allowing the tumour to be irradiated from multiple directions. There is a linear accelerator patient coach primarily designed to allow irradiation of the patient from multiple addresses.

Modern linear accelerators are designed to enable intensity – modulated radiotherapy (IMRT). This is a dynamic radiation delivery method which allows real control over the three-dimensional dose distribution: the delivered beam instead of being flat changed the intensity at different points within the beam.
There are different types of linear accelerator IMRT delivery methods:
Step and shoot method: this method consists of delivering a series of different shape fields formed by the MLC to build up a variable intensity pattern. The irradiation is stopped between each area.
Dynamic MLC methods: in which the radiation runs constant, while the MLC leaves move across the field at variable speeds.
Arc therapy methods: in which the radiation runs continuously, and the gantry collimators and MLC leavers are all running (always). The dose rate also varies during the delivery. Treatments are delivered in an arc (or sometimes in two arcs). This is probably the best choice for IMRT.
The multileaf collimator is a delicate computer-controlled mechanism. The performance of the collimator depends on its resolution, the leakage radiation and the system penumbra.

The electronic portal imaging device allows verification of patient position on orthogonal two-dimensional images produced by the high-energy treatment beam. The detection used for the portal imaging consists of an amorphous silicon indirect detection flat panel imager.
The image systems differ in the degree of complexity of software provided, as well as the ease of use.

The linear accelerators three-dimensional imaging systems can be materialized in three different ways:

1. Applying diagnostic X-rat cone beam, in plain or orthogonal to the linear accelerators high enery beam.
2. Using the high-energy treatment cone beam of the linear accelerator
3. Using a CT machine combined with the linear accelerator.
Photons and Electron Energies
Typically, X-ray energies of 6 MeV are used for head and neck, breast and lung radiation. Abdominal treatments usually utilize 10 MeV X-ray. Large patients may require higher X-ray energies.
Electrons are usually required in the 6-15 MeV range. The total electron treatments require 4 MeV electrons.

Record and Verify systems
In modern radiotherapy departments, the linear accelerators are operated using record and verify systems, which deliver the treatments, as well as make a record of them.

These systems are usually connected to the general information network, which allows an extended functionality, including booking and scheduling, recoding of patients notes, recording costs, image handling, etc.

Acceletronics is an independent service company dedicated to delivering the best equipment performance and service reliability from linear accelerators and CT scanners across all major breands and models. Learn more about acceletronics and their selection of new and refurbished linear accelerators and CT scanners today at www.acceletronics.com. To Contact one of our LINAC experts call 610-524-3300

Acceletronics

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Comparing Medigap Plans in Michigan

Posted on by Creative Programs and Systems

As old age beckons, we embrace it by ensuring that we have access to the best medical care available in order to stay healthy and happy. The sad truth is that the best medical care does not come cheap. It is very expensive and without planning, you might end up spending your entire retirement nest egg on frequent trips in and out of the hospital.

For people who live with this constant fear in Michigan, you can take advantage of comparing Michigan Medigap quotes and rates so you can get that retirement you truly deserve.

The government’s answer to the plight of countless seniors who just want a retirement in good health is Medicare. Medicare is a federally funded program which channels taxpayers’ money into an insurance plan that provides health coverage for specified individuals. Medicare is an insurance plan that provides seniors over 65, younger people with disabilities and people with End-Stage Renal Disease (ESRD) a platform where they can access healthcare for their needs.

Medicare provides a lot of benefits and helps to take off the immediate burden on the people covered by the program. However, it runs on a limited scope which means people might find themselves paying out of their pockets for additional expenses that are not covered by the Medicare program.

When you access Medicare, you either choose Medicare Part A and /or Medicare Part B and Medical Advantage which comes along with HMO and PPO plans. Seniors who pick any of these options in Michigan soon have to face the reality that all their medical expenses will not be covered.

To help solve this problem, certain Medicare supplemental plans or Medigap as it is more commonly referred to have been introduced. There are 10 Medigap plans to choose from in order to cover all the gaps left by Medicare. These plans are standardized meaning that their content is the same across all the states.

They basically cover nine gaps which are outlined below:

Medicare part A Coinsurance

Medicare Part A Deductible

Medicare Part B Coinsurance

Medicare Part B Deductible

Skilled Nursing Care Coinsurance

Hospice/ Care Coinsurance / Co payment

Charges for First Three Pints of Blood

Medicare Part B excess charges

Foreign travel exchange

However different Michigan insurance providers offer different quotes or rates for these plans. We help you compare MI Medigap plans on offer and find the one that is most suited to your health needs. The most important tool why considering which plan to pick is information. First you must first be aware of which gaps you must absolutely fill to give you the best health care possible. This means you must know what each supplementary plan guarantees.

You also have to find a reputable insurance provider. We do not just compare Michigan Medigap quotes and rates but help you choose a solid company that will not go bankrupt, leaving you stranded.

You do not have to lose your entire savings in search of quality healthcare. Let us compare MI Medigap plans that are available and provide the perfect fit for you and your budget.

Learn more about Medigap plans & rates in Michigan at http://emedigap-plans.com/michigan-medicare-supplement-plans.  Our Michigan Medigap Insurance brokers will help you compare Medigap Insurance rates and plans in Michigan today.  To talk to an expert in Michigan Medigap coverage call toll free 888.404.5049 today!

Medigap MI

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4 Things to Look For In Texas Medicare Supplemental Plans

Posted on by Creative Programs and Systems - Updated

Texas Medicare Supplemental policies cover medical procedures that are approved by Medicare provided by Medicare approved providers.   Below you will find the top four things participants in the Texas Medicare Supplemental Insurance Program should be aware of when buying their plan.

1) Medicare policies in Texas are only available to individuals who are already enrolled in Medicare Part A, hospital services and Part B, doctor’s services. Each plan covers one individual.  This means that you and your spouse will each have to purchase separate policies.

2) The Medicare Supplemental Insurance Plans that are offered are lettered Plan A through N.  Each supplemental plan offers a different package of benefits with its own premium.  Although each insurance company sells the exact same policies, they offer the same benefits.  Not all of the policies will be available in Texas.

3) It is pertinent to save on premiums that you purchase your Medicare Supplemental Insurance Plan during your six month enrollment period.  This period begins on the start of the first day of the month in which you turn 65 and are enrolled in Medicare Part B.

During this time period insurance companies cannot use medical underwriting to deny your policy or raise your premiums due to your health nor may they apply a waiting period.  If you want to get Medicare Supplemental coverage after your open enrollment period there is no guarantee that you will be able to get coverage.  In certain cases you will get coverage but at a higher premium, if you do have a preexisting condition.

4)  In order to have a Medicare Supplemental Plan to cover gaps in your Original Medicare plan you are required to pay a monthly premium to the insurance company that is providing your insurance policy along with paying your Medicare Part B premium.  The cost of your policy is determined by the following:

–  Community-rated polices charge the same premium to everyone within the same are regardless of age.

–  Premiums that are issued based on the age you first bought them do not increase automatically as you age.

–  Attained age rates policies are less expensive at 65 but their rates increase automatically as you age.

Generally, Medicare Supplemental Insurance in Texas companies establishes their own prices and eligibility regulations.  Working with a Medicare Supplemental Insurance Broker allows you to compare different supplemental plans and their costs through a variety of providers.

Learn more about Texas Medicare Supplemental Insurance rates, plans, and more at http://www.emedicare-supplemental-insurance.com/medicare-supplement-plans-texas  Our Texas Medicare Supplemental Insurance brokers will help you compare Medicare Supplemental Insurance rates and plans in Texas.  To talk to an expert in Texas Medicare coverage toll free 888.404.5049 today!

Medicare Supplemental Insurance- Texas

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Medigap and Medicare Supplemental Insurance – Are They the Same Thing?

Posted on by Creative Programs and Systems - Updated

Medigap is synonymous with Medicare Supplemental Insurance.  The term refers to the exact same thing; insurance that is purchased in addition to the Original Medicare Part A and Part B.   When you first become eligible for Medicare you should be excited and relieved that you will have some credible health insurance that will not break the bank.  Medicare however is not free and a share of the cost for Medicare is up to you.

To help control some of the extra expenses, Medicare offers supplemental insurance to help offset those costs.  Medicare Supplemental Insurance, Medigap, ensures that the gaps left by Medicare Part A and Part B are covered.

Medigap, Medicare Supplemental Insurance, us named so because it is purchased to fill in some of the gaps left in Original Medicare.  Some initial confusion comes as a result of not knowing what gaps are covered and which ones are not.  The gaps filled are not gaps in covered services but rather expenses that are the participant’s responsibility. These policies pay a share of the expenses left by Original Medicare.

It is also important to note that the Medicare Advantage Plan is not Medicare Supplemental Insurance Plan.  They are two very distinct types of plans.

Medicare Supplemental Insurance Facts

It is crucial to understand how Medicare Supplemental Insurance works.  It is the first step in determining what Medicare Supplemental Plan is right for you.  Become familiar with the facts below before you shop as it will help you compare the Medicare Supplemental Insurance Plans that are available.

  • There are ten standard Medicare Supplemental Insurance Plans to choose from
  • In Tennessee the best time to purchase Medicare Supplemental Insurance Plans is during open enrollment
  • If you have “guaranteed issue rights” then medical underwriting is not used
  • Medical underwriting does however apply at other times
  • Participants are not subject to an annual enrollment period
  • Medicare Plan D is not included within other Medicare Supplemental Insurance Plans
  • Medicare Supplemental Insurance Plan premiums can vary widely between companies for the exact same plan
  • Enrollees cannot have their insurance canceled for any other reason than non payment

Medicare Supplemental plans are standardized which allows you to choose a policy that fits your medical needs as well as your budget.  The expenses that are covered by the plan will determine the premium.   If participants enroll outside of open enrollment and do not have guaranteed issue rights there are many other outside factors that may influence your premium.  These factors may include: where you live, your age, gender, use of tobacco products and overall health.

The best time to purchase Medicare Supplemental Insurance in Tennessee is during your open enrollment period which begins when you are first eligible for Medicare and six months after.  This is the time in which private insurance companies cannot deny you coverage, make you wait for coverage, or charge you more because of a pre-existing condition.

Learn more about Tennessee Medicare Supplemental Insurance rates, plans, and more at http://www.emedicare-supplemental-insurance.com/Tennessee.  Our Tennessee Medicare Supplemental Insurance brokers will help you compare Medicare Supplemental Insurance rates and plans in Tennessee.  To talk to an expert in Tennessee Medicare coverage toll free 888.404.5049 today!

Medicare Supplemental Insurance- Tennessee

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Lasik Eye Surgery Over 40

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The laser assisted in situ keratomileusis surgery, also known as LASIK surgery is a laser eye surgery employed in the treatment of astigmatism (blurred vision), hyperopia (farsightedness) and myopia (nearsightedness)

It is a type of refractive surgery and the procedure entails the reshaping of the cornea with a laser or microkeratome for better positioning. This ensures that light entering the eye correctly focuses on the retina and the result is an improved and clearer vision. It is an outpatient procedure that takes about 10 minutes for each eye. Results are often visible within the next 24 hours after surgery while vision takes between few days and several weeks to stabilize.

LASIK is much preferred because it reduces and in many cases eliminates the need for glasses or contact lenses. But, the LASIK eye surgery is not for everyone. Your optometrist will examine you and decide this based on certain factors that will determine if you are a good candidate or not.

A lasik candidate needs to be at least 18 or 21 years old, depending on the laser to be used. The age limit is a necessary precaution because for candidates younger than 18 years of age, growth is still occurring in different parts of the body as well as the eye. It is only in extreme cases that candidates below 18 are considered for the lasik eye surgery. This rarely occurs though as there is an increasing necessity for this surgery by candidates aged 40 years and above due to eye-related problems associated with middle age or developments due to lifestyle.

The older a patient is with any of the listed eye problems, particularly farsightedness, the higher the tendency for worsening if nothing is done about it. Lasik eye surgery offers men and women over 40, a chance to see better without having to depend on contact lens or glasses for their daily activities.

In fact, once you are over 40, you need to see your doctor for periodic tests as some of the considerations for the surgery, such as presbyopia, hyperopia and myopia, crop up with age and are true even for those who have had seemingly perfect vision all their life.

This is to be expected though because certain features of the eye such as the lens, change with age and cannot be expected to function optimally as in the past.

The lasik eye surgery is a painless and safe procedure with immediate results. It is a selective procedure and may not be the go to option if you have any eye defect other than loss of reading and distance vision

It is however prospect to be expected and okay to consider it as a better option and permanent solution than glasses and contact lens once you’re over 40. You however need to see your doctor first or a Lasik surgeon before you decide and once you reach a decision, go through the options and processes available for you together.

Thanks to an advance research and technology, high tech lasik technology is in use today with remarkable results to show for it.

Learn more about laser vision surgery from our professional ophthalmologists including correction for glaucoma, cataracts, astigmatism, dry eyes, and more.  To contact an eye doctor near you to discuss corrective eye surgery visit our website at http://www.michiganlasik.com/ or call us to make an appointment at 877.579.0202.

Michigan Lasik

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