Before jumping into Medicare supplemental insurance, you many need a little bit of background on Original medicare and the four main part of Medicare. Medicare has several parts to consider when you make your health care insurance choices and having better understanding of all of the parts of Medicare will allow you to choose the very best health insurance plan that fits all of your insurance needs.
There four main parts of Medicare are: Medicare Part A, Medicare Part B, Medicare Part C, and Medicare Part D. Keep in ind that in order to qualify for any of these Medicare parts, you have to be at least the age of 65. If you are under the age of 65, you can qualify for Medicare if you have a disability or End Stage Renal Disease.
Medicare Part A: Medicare Part A is your basic hospitalization insurance. Medicare Part A helps cover services like: Hospital care, skilled nursing facility care, nursing home care, hospice care, and home health services. Medicare Part A however, does not cover everything or the total cost of all of your insurance bills. The most amount of coverage Medicare covers is up to 80 percent, leaving you to pay the remaining 20 percent. In some cases, Medicare Part A may even be free to you. This is called ‘Premium-free Part A’. You will qualify for Premium free part A if you or your spouse paid Medicare taxes while working. If you or your spouse did not pay Medicare taxes, you still may be able to buy Medicare Part A.
Medicare Part B: Medicare Part B is your basic medical insurance. The coverages include medically necessary doctor’s services, outpatient care, and most of the there services that Medicare Part A does not cover like: physical or occupational therapies and even some home health care services. Medicare Part B is also known to cover preventative services. With Medicare Part B, you will probably need to pay a monthly premium (As most people do). However, if you are not able to afford the Medicare Part B premium, you may want to check to see if you are qualified to receive help from your state to pay for the premiums or deductibles that come with Medicare Part B. If you don’t qualify, your Medicare Part B premium is usually deducted from you Social Security or Railroad Retirement check. You have a few options when paying for Medicare Part B. You can choose to pay monthly, quarterly, through the electronic payment option, or even through the Medicare Easy Pay. The standard monthly premium amount in 2012 was about 99 dollars per month. Although many services are covered under Medicare Part B, you may want to keep in mind that not all services are covered and you will never be 100 percent covered. Why? Because like Medicare Part A, you are only able to be covered up to 80 percent. Therefore, you are forced to cover the remaining 20 percent out of your own pocket.
Medicare Part C: Medicare Part C is more commonly known as a Medicare Advantage Plan. Medicare Advantage plans combine your Medicare Part A and Medicare Part B into one plan. However, this plan is not offered by Medicare. In actuality, this plan is offered by private insurance companies that are in contract with Medicare. In some cases, private insurance companies may even add Medicare Part D into this plan. Therefore, you would have a plan with: Medicare Part A, Medicare Part B, and Medicare Part D. Usually Medicare Advantage plans may even offer extra benefits such as: vision, hearing, and dental for extra cost. However, with Medicare Part C, or a Medicare Advantage Plan, comes with an insurance network. An insurance network means that you have to use certain doctors and hospitals that belong to that specific plan. This can be a major downfall if your usual doctor is not in your network. Also, If you join Part C, you will still be in the Medicare Program and will have complete Part A and B coverage. There are a few different Medicare Advantage plans available and they are: Medicare Preferred Provider organization (PPO), Medicare Health Maintenance Organization (HMO), Medicare Private Fee for Services (PFFS), Medicare Special Needs, and Medicare Medical Savings Account (MSA). To decide what plan best fits you depends on the amount of coverage and benefits you would like. You may want to call and speak with a local agent so that you can receive their expert opinion on which Medicare Advantage Plan best suits you.
Medicare Part D: Medicare Part D is also know as your prescription drug coverage plan. Like Medicare Advantage plans, Medicare prescription drug coverage, or Medicare part D, is offered by private insurance companies that are in contract with Medicare. Too keep from pay a late penalty fee, you will need to enroll in Medicare prescription drug coverage when you first become eligible. Medicare Part D’s number one goal is to help people with Medicare to lower their prescription drug costs and to protect them from high costs in the future. Not to mention, that Medicare Part D will allow you to have greater access to medically necessary drugs as well. If you are looking to join a Medicare prescription drug coverage plan, there are two ways you can enroll. This first way is by simply adding Medicare Part D to your original Medicare plan. The second way you are able to get Medicare prescription drug coverage is through a HMO or PPO Medicare Advantage plan that includes Medicare Part D coverage. You will usually be required to pay a monthly premium, but price varies depending on the plan.
If you are in the insurance market, you will hear the term ‘Original Medicare’ often. Original Medicare is a plan that includes both Medicare Part A and Medicare Part B (see the different parts of Medicare mentioned above for more details on Medicare Part A and Medicare Part B). Unfortunately however, with Original Medicare you are not 100 percent covered. Actually, with original Medicare, you are only 80 percent covered. Therefore, you will be required to pay for the left over 20 percent. This can be a major problem for seniors. Why? Because the majority of seniors are no longer working and therefore are on a fixed budget. Therefore, most senior citizens are not able to afford the 20 percent of high hospital and medical bills. You may be reading this article and thinking that 80 percent coverage is a large amount and it is a large amount if you have a low hospital or medical bills, but what happens if your bill isn’t that low of an amount? For example, hip replacement surgeries and knee replacement surgeries cost a small fortune. In fact, they usually cost around 10,000 dollars. 20 percent of 10,000 dollars will still leave you having to pay a large amount of money. In fact, it’s a large amount of money that most seniors are not able to afford. You may think that you may never need a hip replacement surgery or knee replacement surgery and you may not. But, what if you do? As seniors, it is no surprise that we become more vulnerable to illnesses, diseases, and surgeries as we continue to age. This is exactly why you may want to consider enrolling in a Medicare Supplemental insurance. By enrolling with Medicare supplemental insurance, you are guaranteed to be 100 percent covered. Thus, protecting you from outrageous high bills that you may not be able to afford on a budget or fixed income.
Medicare Supplemental Insurance
Medicare Supplemental Insurance, also known as Medigap Insurance or Medigap Policies, is offered by private insurance, that are in contract with Medicare. These private insurance companies offer Medicare supplemental insurance plans that help seniors with health insurance costs that are not covered by Original Medicare insurance. Original Medicare insurance is a combination of Medicare Part A and Medicare Part B. Medicare Part A is known as your basic hospital insurance while Medicare Part B is known as your basic medical insurance. You are eligible to enroll with Original Medicare once you reach the age of 65 although most seniors are automatically enrolled into Original Medicare by Medicare. You are able to find great deal of information and guides online through Medicare.gov and places like this site.
In this article we will help seniors with Medicare or seniors considering enrolling in Medicare supplemental insurance get a better understanding of the ‘ins’ and ‘outs’ of Medicare Supplements. As we mentioned previously, Medicare Supplemental insurance, or Medigap insurance or Medigap Supplemental insurance, is a type of private insurance plan that can be purchased through a private company that is approved by Medicare. Therefore, the plans that these private insurance companies offer are approved by Medicare as well. Keep in mind that it is by law that all Medicare Supplemental insurance plans, regardless of what private insurance companies is offering the plan, has to provide the same basic coverage. Why? Because all of the Medicare supplemental insurance plans are standardized. This means that regardless of where you find a Medicare Supplemental insurance plan, it offers the same exact coverage as anywhere else where you would find a Medicare Supplemental insurance plan. However, costs of the Medicare supplemental insurance plan can vary from one company to another. Therefore, shopping around for the best Medicare supplement rates is super smart and super important when it comes to Medicare Gap Insurance and finding the best plan for the best price.
So, we know now that Medicare Gap Insurance, or Medicare supplemental insurance, is designed to supplement Original Medicare that is offered through United States Government. This means that Medigap insurance helps to pay some of the “gaps” or health costs that Original Medicare does not cover, such as co payments, deductibles and coinsurance. Therefore, if you have Original Medicare and Medicare supplemental insurance, Medicare will first pay its’ approved cost and then your Medigap Policy will pay the rest that your Original Medicare did not pay for. In conclusion, you will be guaranteed to be 100 percent covered. When your Original Medicare and your Medicare supplement policy work together to allow you to be 100 percent covered, it is ofter referred as ‘ cost sharing’. If you are enrolled with a Medigap Plan, you will be required to pay a low monthly premium in return for being 100 percent covered. By being 100 percent covered, you will no longer have to feel stress regarding high hospital and medical bills that you are not able to afford because all bills will be eliminated as you will be fully covered.
It is important to know that Medicare Gap Insurance is different than Medicare Advantage Plans. A Medicare Advantage Plan is a combination of Medicare Part A, Medicare Part B, and in some cases Medicare Part D (depending on where you currently live and the Medicare Advantage Plan that you choose). A Medicare Advantage Plan is just another way to get your Medicare Plans bundled, while a Medicare Supplemental Insurance plan helps pay what Medicare does not. And Medicare does not pay any of the cost of a Medicare Gap Policy. You pay for it out of your pocket. Your Medicare Supplemental insurance policy is offered by a private insurance that you choose to purchase. However, if you purchase a Medicare Gap policy during the Medicare enrollment period you are guaranteed full coverage. They can not exclude a condition, deny you coverage, or rate you up for a specific condition as long as you purchase it during your Medicare Enrollment period. Otherwise you will be subject to underwriting just like anyone else. So be ready for the open enrollment period– It comes once a year at the end of the year (from October through December).
Medicare Supplemental Insurance Cost
Did you know that Medicare Supplemental insurance cost varies by company to company? There are 10 different Medicare supplemental insurance plans available: A, B, C, D, F, G, K, L, M, and N. As we mentioned previously, all of these plans cover Medicare co payments, deductibles, and additional services that are not covered by original Medicare. However, the cost of the Medicare supplemental insurance plan that you choose depends on the amount of coverage that that particular plan provides. For example, Plan F (which we will go into more detail later), provides that most amount of coverage. Thus, plan F carries high premium that plans that offer less coverage. You can always expect the plans that offer more coverage to be more expensive than the plans that offer less coverage. Unfortunately enough, no exact prices are available because each price of the plan depends solely on the private insurance provider offering the plan. This is why it is so imperative to do your own research and shop around when you are considering to enroll in a Medicare Supplemental Insurance Plan.
There are however, certain factors that can affect the cost of you Medicare supplement, or Medigap, plan. Your monthly premium will depend on several factors including, but not limited to: your age, why you currently reside, your gender, your marital status, whether you smoke, your insurance provider, and of course the specific policy itself. Keep in mind however, different companies are able to set their monthly premiums differently. For example, different policies can and may be: issue age related, community rated, etc. Also, the area where you live may affect your Medicare supplemental insurance plan and the price. You see, in some locations, private insurance companies may be require to price policies a certain way, but in other areas some companies may be able to set premiums bases on the method they choose. Regardless, shopping around and getting free Medicare supplement quotes and rates will certainly help you get a better understanding of the price range of the plan that you seek.
Medicare Supplement Open Eligibility and Enrollment.
In order to be eligible for Medicare Supplemental insurance you have to: be a current resident in the state which the policy is offered and be enrolled in Medicare Part A and Medicare Part B. If you are under the age of 65 however, you may still qualify for Medicare supplemental insurance if you have a disability or end stage renal disease.
When is the best time to buy a Medicare Supplement plan?
If you are currently searching for a Medicare supplemental insurance plan, you have probably heard of the open enrollment period. You Medicare supplemental insurance open enrollment period last six months and starts on the first of the month in which you turn 65 years old and enrolled with Medicare insurance Part B. During this open enrollment period, private insurance companies must allow you to buy a of the Medicare supplement plans, or Medigap plans, that they offer. You also have open enrollment rights. These rights allow you to change your mind. For example, if you choose a Medicare supplemental insurance plan during your open enrollment period and do not like it after a few days, or even months, you are able to change that plan as long as you are still in the open enrollment six month period. However, it is important to keep in mind that once you Medicare supplement open enrollment period begins, it can not be changed!
You do have certain rights to buy a Medicare supplement policy outside of your open enrollment period. This is called Guaranteed Issue. If you are 65 years or older, the guaranteed issue right applies to Medigap Plans: A, B, C, F, K, and L. If you are under the age of 65 however, the guaranteed issue right applies on the Medigap Plan A. This guaranteed issue right is for 63 days from the date coverage ends or from the date of notice that coverage will end. Companies may not place any restrictions, such as preexisting condition waiting periods or exclusions, on these policies. However, in order to qualify for guaranteed issue, you must provide proof that you lost your health care coverage.
Why It Is Important To Apply For Medicare As Soon As Possible
Let’s face it, we aren’t getting any younger and for many of us, even in retirement, our lives are busier than ever. With visiting family, going to watch your grandsons soccer game, you are probably a lot busier in your retirement years than you expected to be. Being so busy may make it difficult to remember to enroll or apply with Medicare. Even though it probably isn’t at the top of your ‘to do list’, it still is very important. Putting of your application for enrolling in Medicare can bring lots of consequences and regret.
If you are reaching the age of 65, or if you have become recently disabled, you need to start the Medicare process. After all, you could even be too late right now. You see, the window for applying for Medicare is a small window and many people procrastinate for so long that they aren’t even able to claim the benefits that you so severely need and deserve. The time frame in which you are given to sign up for Medicare insurance is only six months. This six month period is broke down by three months before you are eligible to enroll and 3 months after you are eligible. May people take these 6 months as a lot of time, but in actuality it isn’t at all. Over 6 months, we get caught up in our own lives and forget about the important role of Medicare. If you are 65 and still working, you may still be on your employer’s health insurance. If this is the case for you, then your window of eligibility would start as soon as you leave that particular job. If you are planning on leaving your job, it would be best to apply for your Medicare insurance one month before you are officially of your employer’s health care benefits. Therefore, you will still have healthcare insurance while you wait for your Medicare insurance application to be processed.
Regardless if you are about to be 65 or if you are still working, you still have a small window to apply for Medicare insurance. So, why wait so long to apply? You don’t want to miss the opportunities of applying for Medicare or any other type of Medicare plan like Medicare supplemental insurance. Having to pay late penalty fees can be costly and get stay with you for a long period of time. So, start your enrollment process as soon as your eligible. That way you won’t have to worry about late penalty fees, not having insurance and instead your only problem with be Where to travel to next?
Compare Medicare Supplemental Insurance and Medicare Supplemental Comparison Charts
One of the most important things for someone who is retired his cost-saving, planning a budget in being able to manage a budget and still live a great quality of life. Most people who retire to realize that a lifestyle change is in order when they retire. Not just for the reduction in income but for the time that you have. But let’s concentrate on the topic of reduced income. There are several ways that a retiree can reduce some of their cost to better manage a budget for themselves. One of the biggest ways and sometimes some of the biggest savings can come from your health insurance. When you turn 65 you’re automatically eligible for Medicare. Medicare Part A is provided at no cost to most seniors over the age of 65. This is known as ‘Premium Free Part A’. Medicare Part B is also available, but there is a small cost for this particular benefit. Many seniors tend to add a Medicare supplemental insurance plan to what original Medicare provides. This way you have both original Medicare and Medicare supplemental insurance and therefore will be guaranteed to be 100 percent covered. If you are considering enrolling in a Medicare supplemental insurance plan, you should know that the best way to save money on a Medicare supplement plan is to compare the different Medicare supplements that are available to you from various private insurance companies. Why? Because each plan offered by these private insurance companies are exactly same, but they only different is the price!
Let me break down the health insurance coverage so that you can better understand it. As mentioned previously, Medicare Part A is typically at no cost. Now, that does not mean that you do not share any cost with the coverage! It just means you are not required to pay a monthly premium. What it means is that Medicare Part A is going to cover Medicare approved hospitalization costs such as; hospital stays, skilled nursing facilities, hospice, home healthcare and in some cases nursing home care. But before Medicare will share these cost they will expect you to pay a deductible each year in addition to co insurance being involved as well. These will all be out of pocket costs to you. However, keep in mind that you have other options like Medicare supplements. If you choose to do a Medicare supplemental comparison, you will be able to purchase an affordable plan that will cover these out of pocket costs that was mentioned above with Medicare Part A.
Now with Medicare Part B, you will receive your medical care that you need such as preventative healthcare, health screenings and doctor visits. As with Medicare part A, you will have some responsibility and be required to share some of the cost in the way of co-pays, deductibles and co insurance. Medicare part B will also help with equipment and services that are necessary to treat an illness or condition and are approved by Medicare. It’s always a good idea to check with your doctor and make sure that the services or the equipment that you’re being provided will be covered by Medicare. And once again, if you compare Medicare supplement plans and you purchase one it will further help with out-of-pocket expense you incur for Medicare part B.
Medicare supplemental insurance comparison is easier now than ever before! Why? Because many top insurance providers offer a Medicare Supplemental insurance chart comparison. A Medicare Supplemental insurance chart comparison is a way to compare and contrast all of the plans offered by the specific private insurance provider you are currently viewing. With a Medicare supplemental comparison chart you will be able to see what each plan covers, what it does not cover, and how much it is going to cost you. This is much easier than having to do the comparing on your own. Before the Medicare supplemental insurance comparison chart, many seniors how to do the researching on their own which, as you can imagine, took tons of time and energy. So, now if you are looking to view all of your Medicare supplement options from a private insurance companies, it would be very beneficial for you ask the insurance provider for a Medicare Supplemental comparison chart if they do not already have one visible on their website. If the private insurance provider does not have a Medicare supplemental insurance comparison chart, do not be in fear. You can always call these insurance providers so they can do the comparing for you. Not only that, but most insurance agents are experts when it comes to Medicare Supplement insurance. They will probably be able to tell you all of your options and what Medicare supplement option would be best for you and your budget.
Medicare Supplement Plan F
As you probably know by now, Medicare has many plan options when it comes to Medicare Supplemental insurance plans. However, the top Medicare Supplemental Insurance plan that we are going to discuss is the one plan that could yield you the biggest savings of money. Medicare Supplement Plan F, or Medigap Plan F, can help you budget and manage your health care costs. It is many seniors first choice in Medicare Supplemental insurance coverage. How does Medicare Supplement Plan F help you save? Well, it is easy. Here are the basics: Original Medicare pays 80 percent of the costs incurred in hospital or doctors office depending on if you have Medicare Part A or both Medicare Part A and Medicare Part B. Then, your Medicare supplemental insurance plan F picks up the 20% that is left behind, thus giving you 100% coverage. If it was not for this Medicare Supplemental insurance plan you would be responsible for covering the remaining 20 percent out of your own pocket. Now, keep in mind that Medicare Supplement F does not cover all costs if they are not Medicare approved as well, but when it is approved it does cover deductibles and co insurance and co payments.
So what is co insurance? Co insurance is the amount the insurance company, in this case Medicare, expects you to pay out of your pocket. You see, Medicare expects you to share the cost even though they pay a larger portion. In Medicare your co insurance limits are 80/20 which means Medicare will pay 80% of approved costs and you are expected to pay the remaining 20%. It’s Pretty simple and straight forward.
All of the above is what makes Medicare Plan F the most popular with consumers. They like paying one amount each month and knowing they will not have to incur additional costs. It makes it easier to manage a budget and If you are like most seniors and are on a fixed income, that has to be very important to you.
Although the Medicare Plan F is standard wherever you go, each carrier has different premiums so it is always good to find the best rates. And that is very easy, there are many options readily available and ready to give quotes in seconds right her on the internet. So, do not hesitate get the information you need today and start saving.
Drug Coverage and Medicare
Prescription drug coverage is the one component of health care asked the most about when someone is transitioning from modern health insurance to Medicare Insurance. There happen to be several ways you can get prescription coverage once you enter the realm of Medicare. These include a supplemental plan like Part D Medicare, Medicare Advantage Plans and private sources.
If you have both Medicare Part A and Medicare Part b you can chose to purchaseMedicare Part D coverage as well. This is your Medicare drug coverage plan. It is offered by private insurance companies and you must purchase as an individual. Medicare approves the plans, but costs vary depending on which private company you sign up with. When you join a Part d plan you typically pay a monthly premium as well has having deductibles and co-pays.
Another option for Drug coverage through Medicare is purchasing a Medicare Advantage plan. Most Medicare Advantage plans offer some type of prescription drug coverage. If your Medicare advantage plan offers drug coverage this is how you would be covered, but if not you can still purchase a Part D plan to supplement. Just remember if you add it after enrollment period you are likely to pay a penalty. So it is important to think about not only what prescriptions you have now, but also what you may need in the future as you age. A Part D late enrollment penalty is added to your premium every month. It is not a one-time cost.
The only way to avoid the late penalty is to join a Part D plan as soon as you become eligible for Medicare. Also be sure not to go more than 63 days without creditable coverage, this is another way to avoid the fee. If you have private insurance through employer never let it lapse more than 63 days before gettingMedicare Part D or any Medicare coverage. You r penalty is calculated by how long you have been without coverage. The way this is figured currently for a penalty is by multiplying 1% of the “national base beneficiary premium “by the number of full, uncovered months you were eligible but did not join Medicare and had no other credible health coverage. That amount is then rounded and added to your monthly premium and you may the penalty for as long as you have the coverage.
Texas Medicare Supplement Insurance
Texas Medicare supplement insurance is available to those who have both Medicare part a and Medicare part B health care coverage. It is available for private insurance companies that are approved by Medicare. All the plans must meet the basic Medicare approved benefits is another company. The best way to find Texas Medicare supplement insurance is by going online and shopping are finding an agent that can help you explore the different options with all of the different private insurance companies. Although all the plants will be the same the rates will differ from one company to another making it essential to find the best rate for your budget.
Many people over the age of 65 especially baby boomers that are now becoming 65 are financially at risk. For starters when they retire they will be living on a fixed income. Most of the time this income is significantly less than their working income wise. So making changes in finding ways to save money is important. One of the ways that seniors find to save money is the Medicare supplements this is why Texas Medicare supplement insurance is so important to the needs of those retiring.
Here are some basics about Medicare. Original Medicare which is called Medicare part A gives you hospitalization coverage. Now it doesn’t cover all of your charges that she would incur, but it does share the cost of much of it. You still should expect some out-of-pocket costs for co-pays, deductibles and coinsurance. As well as some cost that you may incur that Medicare does not approve. One way to avoid those charges is to talk with your doctor and providers about the services you will receive and make sure that they will be covered by Medicare. Medicare part B is medical coverage. This is the covers that most people are used to having it covers her doctors visits, preventative services and screenings; as well as equipment that is medically necessary to treat an illness or condition. Keep in mind that all charges must be Medicare approved before Medicare will pay otherwise you’ll incur the cost completely of the service or the equipment that they did not approve.
Medicare part B is not free, there is a monthly premium involved. But in order to get a Medicare supplement insurance you must have Medicare part a and Medicare part B coverage.
AARP Medicare Supplemental Insurance
If you are in the market for a Medicare supplement you should check out the competitive rates with AARP Medicare Supplement . Medicare supplemental plans must be approved by Medicare and they are all standard plans, meaning every Plan is the same no matter which carrier you buy from. So the smart thing to so is shop around. With AARP Medicare Supplement plans you can count on not only affordable and fair rates, but outstanding Customer Service, 24/7. They are always available to answer questions and trained to the specific needs of the over 65 consumers.
AARP Medicare Supplement plans cover some of the costs not covered by Medicare Parts A and B, such as deductibles and co payments, depending on the plan you decide to buy. You get to keep the same doctors you use on Medicare Parts A and B and you are protected by the same rights as with Medicare.
The options in most States are Plans labeled A through N and are standardized. All the basic coverage is the same, but plans may have additional coverage’s. Medicare Plans A though G provide for benefits at a higher premium but have limited out of pocket costs, where Plans k though N are cost sharing plans with lower premiums and higher out of pocket costs. Lets talk about the basic benefits that all the plans will have. Plans A –G have moderate premiums and lower out of pocket costs. Plans K and L have lower premiums and higher out of pocket cost, but subject to out of pocket annual limits. Plan N has even lower premiums and only moderate out of pocket costs such as office and ER co-pays. High Deductible Plan F has the lowest premiums and highest out of pocket.
Enrollment in these plans are guaranteed if you meet certain criteria. You may apply for AARP Medicare Supplement if you are a resident of the United States where the policy is offered. You must be enrolled in Medicare Parts A and Part B. You must be age 65 or over or under age 65 with a disability or end stage renal disease. Keeping in mind plan offerings and eligibility can vary by state. Plus if you enroll during an open enrollment period you are guaranteed issue into available plans.
Medicare and Diabetes
Many people who are looking for Medicare insurance, or any of the plans that come with Medicare, may have a certain condition. You condition should not keep you from enrolling in a Medicare Plan.If you are diabetic you know that everyone has a different level of the disease and it can change from time to time and your medical needs may change from one year to another. So if you have Medicare it is wise to know the ins and outs of how Medicare helps to cover diabetic supplies and needs. A lot depends on your coverage, whether you have Part A, Part B and other Medicare supplemental coverage.
No matter the type of diabetes you have the ultimate goal is to stabilize your glucose levels. Yes that is correct, if you are not familiar with the disease it is not just high blood sugar, you can also drop so low it can cause major damages to your body and even death. So monitoring the glucose levels is key.
Type 1 is typically treated with a healthy diet, monitoring and insulin injections or insulin pump to be used as needed to stabilize glucose levels.
Type 2 starts with changes in diet, weight loss, exercise and if these factors do not control levels medicine is used.
Diet is always a big factor when trying to control diabetes. It is so important Guidelines have been established through the ADA (American Diabetes Association). The diet is balanced with low fats and low cholesterol foods and simple sugars. Simple sugars are acceptable with a well-balanced diet.
Weight loss increases the body’s sensitivity to glucose, making weight loss a key factor in control. So normal weight and ample exercise will decrease your glucose levels.
It is important to test your glucose to maintain the disease and know what you need. No matter your treatment, monitoring is an essential part of treating the disease. Use a monitor or meter to test your levels, this not only lets you know what they are but works as a way to know if your diet and habits are working for or against the disease. Typically your glucose levels are taken before a meal, bedtime and in the morning. If you are insulin dependent you may need to check your levels more often.
Your doctor will talk with you about goals. Where your levels should be and what to work towards on the road to maintaining diabetes. Some doctors have you not only test your glucose, but keystones in your urine as well. There are many ways your doctor may have you manage the disease.
Shop, Shop, Shop!
It’s so very important to shop around if you are looking for Medicare supplemental insurance if you wish to get the most amount of coverage for the best price. But, if you are doing the shopping around, it can be overwhelming and even stressful. That is why you and medicare has professional insurance agents available seven days a week! Sometimes, talking to an expert in the field of Medicare can be very beneficial. You can tell them your budget, what kind of coverage you looking for and they can bring the options to you! If you insist on shopping on your own, many private insurance providers like you and medicare offer free quotes. All you have to do is put in a little bit of personal information like your age, and location (because plans vary from state to state). Regardless of how you choose to shop for plans, you should remember the these Medicare supplemental insurance plans provide you with the protection you deserve. To get started on finding the right plan for you or to get free Medicare supplemental quotes, call 1-800-MEDIGAP.