If you are like many Americans and counting on Medicare to cover your medical expenses after you retire, then you need to take a more in-depth look at this program. This simplified overview will give you some of the benefits and some things that are not covered. Then, you can draw your conclusions about other types of coverage that you might want to consider.
Medicare covers a good number of things. The services it covers will prove useful as you grow older. It covers inpatient hospital care, stays in a skilled nursing facility, hospice services, lab tests, surgery, and some home health care. It also includes doctors' and other providers' fees within a set limit. Some durable medical supplies are covered along with some preventive services and screenings.
What It Doesn’t Cover
There are unfortunately many things that Medicare does not cover. You can only receive services in your home if your doctor deems them medically necessary. Even that is limited. Generally, Medicare does not cover 24 hour care in home. Most dental procedures, including dentures, are not paid for by Medicare. Additionally, prescription glasses and hearing aids are not covered in most circumstances. Many types of alternative health care, like acupuncture, are not included. Medicare will also not pay to have meals delivered to your home. Routine foot care is also not paid for by Medicare.
Medicare vs. Medicare Advantage Plans
You also need to be aware that there is a vast difference between Medicare and Medicare Advantage Plans. Under Medicare, you can go to almost any doctor that you choose. Under Medicare Advantage, you will be assigned a network of doctors. You may be limited to using doctors in the network or have to pay extra when you use an out-of-network doctor. You may have additional coverage under Medicare Advantage for vision and dental needs. If you want to see a therapist in your home, such as a physical, speech, or occupational therapist, then you are allowed many more visits under Medicare than Medicare Advantage plans.
This simple overview allows you to understand the basics of what Medicare will and will not pay for when you become eligible. It is your choice to obtain additional coverage if you find it wise. You may also want to decide if Medicare or a Medicare Advantage plan is the right choice for you. Taking a look at what is available before you retire helps you prepare for the future wisely.
You might also like this article: Common Retirement Expenses Every Senior Should Plan For
If you’re among the millions of people in the United States who suffer from a chronic illness, you may use “sharps” to manage your medical condition at home or on the go. Consider this information about sharps and steps for safe and proper disposal. Read the full Medium article here.
Even a mild case of the flu or a powerful cold can leave you feeling run down and out of sorts for days or even weeks. While many ailments must simply run their course, there are many steps you can take to fight your way back to good health. Learn how to beat back a cold or the flu by reading the full Medium article here.
Before you reach into that jar of CBD gummies, or add some CBD oil to your bath, proceed carefully. Do you really know what’s in that “miracle cure” that you purchased online or at the health store for anxiety or your aching back? Learn more by reading the full Medium article here.
Could you have a heart attack? Reduce your odds through these tips. Read the full story here.
Age-related Macular Degeneration (AMD) is a leading cause of vision loss for people age 50 and older, and an estimated 16 million Americans are living with AMD. While an AMD diagnosis can be a scary thought, there are things people can do to help reduce the risk of progression of the disease. Here’s what you need to know.
(BPT) - The ability to see the people, places and things in front of you is one of life’s most precious gifts. Imagine a life without the ability to see these things clearly — what steps would you then take to protect your vision? Life with Age-related Macular Degeneration, or AMD, can potentially lead to vision loss or blindness. While an AMD diagnosis can be a scary thought, there are things people can do to help reduce the risk of progression of the disease. Here’s what you need to know.
What is AMD?
AMD is a leading cause of vision loss for people age 50 and older, and an estimated 16 million Americans are living with AMD. AMD affects the macula, the part of the eye that supports sharp, central vision needed for seeing objects clearly. The condition is progressive, which means that central vision can ultimately become impaired, which may cause difficulty keeping up with daily activities like driving, reading or recognizing the faces of loved ones. While there is no cure for AMD, there are steps patients can take to help reduce the risk of progression.
Tips for taking action
In addition, people diagnosed with AMD should talk to their doctor about taking a vitamin based on the AREDS2 study. PreserVision® AREDS 2 formula vitamins contain the exact nutrient formula recommended by the National Eye Institute to help reduce the risk of moderate to advanced AMD progression.
Get the facts and find support
Patients are often learning about AMD for the first time as they’re being diagnosed, which can be overwhelming. While the Internet is a great resource for patients, medical literature about AMD is often dense and difficult to follow. That’s why Bausch + Lomb developed SightMatters.com, an online resource to provide AMD patients with personalized tips and tools, along with a support system and network, to help each patient better navigate their life living with AMD no matter where they are on that journey.
SightMatters.com aims to help patients understand what AMD is, and how they can manage it. It also allows patients the opportunity to create a personalized action plan, which they can use to discuss with their doctor so they can start taking charge of their condition and continue to see what they love each day. Visit SightMatters.com to begin taking action today.
PreserVision is a trademark of Bausch & Lomb Incorporated or its affiliates.
AREDS2 is a registered trademark of the U.S. Department of Health and Human Services (HHS).
© 2020 Bausch & Lomb Incorporated or its affiliates.
After a heart attack, as many as 1 in 4 survivors will have another one. Lifestyle changes and working closely with your doctor to manage your health can help minimize the risk of a repeat event. Talk to your doctor about a secondary prevention plan, and consider other steps like these.
How to Reduce Your Risk for Another Heart Attack
(Family Features) After a heart attack, as many as 1 in 4 survivors will have another one. Lifestyle changes and working closely with your doctor to manage your health can help minimize the risk of a repeat event.
“A heart attack is a life-changing event,” said Nieca Goldberg, MD, American Heart Association volunteer and medical director of NYU Women’s Heart Program. “What many people don’t realize is the hidden risks that led to your first heart attack can be managed and, by doing this, you may reduce your risk of having another one.”
Because up to 80% of heart attacks are preventable, it’s important to follow your doctor’s recommendations for reducing your risk. Talk to your doctor about a secondary prevention plan, and consider other steps like these from the American Heart Association’s secondary prevention program, nationally sponsored by Bayer:
Take your medications as prescribed. Certain medicines can lower your risk of another cardiac event. That’s why it’s important to understand your medications and take them correctly. Taking aspirin as recommended by a doctor is one way to help prevent another attack. No one should start, stop or modify an aspirin regimen without first speaking with their doctor. Aspirin is not appropriate for everyone, so be sure to talk to your doctor before you begin an aspirin regimen.
Manage your risk factors. After a heart attack, it’s important to manage risk factors such as high blood pressure, high cholesterol and diabetes by taking medications as prescribed, quitting smoking, eating healthier and getting active.
Attend your follow-up appointments. Attending your follow-up appointments helps your doctors keep track of your condition and recovery. You can make the most of your time with your doctor by preparing a list of questions and concerns along with a list of all medications, vitamins and supplements. Bringing a trusted friend or family member may help as well.
Participate in a cardiac rehabilitation program. Cardiac rehabilitation is a medically supervised program designed to help you recover after a heart attack. You should have received a referral to cardiac rehab when you were discharged from the hospital; if you didn’t, ask your doctor if this program is right for you.
Get support. It’s normal to feel scared, overwhelmed or confused after a heart attack. Getting support from loved ones or people who have also experienced a heart attack can help you cope. Connect with other heart attack survivors and caregivers through local support groups or the American Heart Association’s free online Support Network.
Take Charge of Your Heart Health
Heart disease is the No. 1 cause of death in the United States, but your lifestyle can be your best defense.
Stop smoking. If you smoke, quit. If someone in your household smokes, encourage him or her to quit. It may not be easy, but it’s even harder to live with chronic heart disease or recover from a heart attack.
Choose good nutrition. A healthy diet is one of the best weapons for fighting cardiovascular disease. Research shows eating 4-5 servings of fruits and vegetables each day may lower blood pressure over time.
Lower cholesterol. Fat lodged in your arteries can trigger a heart attack or stroke. Reduce your intake of saturated fat, trans fat and cholesterol, and get moving. If diet and physical activity alone don’t get those numbers down, then medication may be the key.
Lower blood pressure. Shake that salt habit, take your medications as recommended by your doctor and get moving. An optimal blood pressure reading is less than 120/80 mmHg (millimeters of mercury).
Be physically active. Research has shown that at least 150 minutes per week of moderate-intensity physical activity can help lower blood pressure and cholesterol and keep your weight at a healthy level.
Reduce stress. Some studies have noted a relationship between coronary heart disease risk and stress. This may affect the risk factors for heart disease and stroke. For example, people under stress may overeat, start smoking or smoke more than they otherwise would.
Learn more about ways you can thrive after a heart attack at heart.org/oneisenough.
Content courtesy of the American Heart Association’s secondary prevention initiative.
Photo courtesy of Getty ImagesSOURCE:
American Heart Association
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