Medicare is a government-run health insurance program that provides coverage for Americans who are 65 and older or have a disability. While Medicare covers a lot of medical expenses, there are certain things that it doesn’t cover—like cosmetic procedures, outpatient prescription drugs, and many new treatments and alternative treatments for chronic conditions, like cancer. Here are seven things that Medicare doesn’t cover:
1. Routine eye exams
Medicare doesn’t cover routine eye exams unless you have diabetes or are at high risk for glaucoma. However, if you need surgery to correct your vision, Medicare will cover it. If you want routine eye exams, you can purchase additional coverage through a Medicare Advantage plan or a private insurer like Kaiser Permanente, Blue Cross Blue Shield, Aetna, Humana, or Cigna.
2. Hearing aids
Medicare doesn’t cover hearing aids, exams for fitting hearing aids, or exams for hearing problems. However, Medicare will cover diagnostic hearing and balance exams if your doctor thinks you need them. You can purchase additional coverage for hearing aids through a Medicare Advantage plan or a private insurer.
3. Routine dental exams
Medicare doesn’t cover routine dental exams, cleanings, fillings, or extractions. However, Medicare will cover dental services if they are necessary for a covered medical procedure, such as jaw reconstruction after an accident. You can purchase additional coverage for routine dental care through a Medicare Advantage plan or a private insurer.
4. Deductibles and coinsurance
Medicare has deductibles and coinsurance that you are responsible for paying. For example, in 2023, the Part A deductible will be $1,572, and the Part B deductible will be $233. You can purchase a Medicare Supplement insurance plan (also known as Medigap) to help cover these costs.
5. Long-term care
Medicare doesn’t cover long-term care, such as assisted living or nursing home care. However, Medicare will cover short-term care in a skilled nursing facility if it’s medically necessary after a hospital stay. If you want coverage for long-term care, you can purchase a long-term care insurance policy from a private insurer.
6. Prescription drugs
Medicare Part A and Part B don’t cover most prescription drugs. However, you can purchase a Medicare Part D prescription drug plan or a Medicare Advantage plan that includes prescription drug coverage.
7. Overseas health care
Medicare doesn’t cover health care outside of the United States, except in limited situations (such as emergencies on a cruise ship). If you’re traveling abroad and want coverage for medical expenses, you can purchase a travel insurance policy that includes medical coverage.
It’s important to understand what Medicare does and doesn’t cover, so you can plan for your medical expenses and make informed decisions about additional coverage. While Medicare doesn’t cover things like routine dental exams or hearing aids, you can purchase additional coverage from a private insurer. And while Medicare may not cover new treatments or cosmetic procedures, it does provide coverage for many medically necessary services. If you have questions about what Medicare covers, talk to your doctor or a Medicare specialist.
If you suffer from addiction, living a sober lifestyle is a lifelong journey. For many, the first step is admitting there’s a problem and voluntarily entering a 28 or 60 day alcohol and drug treatment rehabilitation program. Many individuals enter inpatient rehab centers by their own accord, but with a lot of feelings of anger, shame, fear, animosity, and guilt. Inpatient rehabilitation centers differ greatly,. Some offer spa like settings, while other offer residents the opportunity to get in touch with nature. Additionally, each patient’s rehabilitation process is very personal with a treatment plan that aims to focus on their addiction and unique needs. However, the greater goal of all drug and alcohol addiction centers is to offer a 24-hour support network to give patients the skills needed to live a sober lifestyle once they leave rehab using these techniques:
1. Treatment intake or initiation process
When a patient enters a professional alcohol and drug rehab program, they begin the recovery journey. Treatment intake marks their introduction to a professional treatment program, where they’re met by a certified counselor who may ask them the following questions to get an understanding of their addiction and unique needs:
2. Detoxification process
An addiction is the body’s dependence (both mentally and physically) on drugs or alcohol. This is why rehabilitation centers put residents through a monitored inpatient detox in order to safely oversee physical withdrawal. The detox process can last anywhere between a few days to a week with the most severe symptoms occurring within the first 24 to 48 hours. Side effects of detox are painful and can be life-threatening, which is why detox can include giving the patient supervised substances and medications to make the process safe as possible while continuously monitoring physical and mental health.
3. Rehabilitation and recovery process
Substance abuse rehabilitation programs offer a closely followed schedule that provides patients structure while aiming to alter abusive-behaviors. For instance, patients are required to wake up at the same time every day, eat balanced meals, and participate in counselling, group therapy, 12-step programs, and other therapies (i.e., exercise, art, music, etc.). This supportive, therapeutic atmosphere challenge their addiction honestly and realistically by identifying toxic patterns, behaviors, and relationships while providing skills and education to help them return to sober, post-rehab life.
The recovery doesn’t end after the patient’s time in inpatient rehab has completed. However, the skills and techniques learned in rehab aim to help the patient live a sober lifestyle. Patients leaving rehab may return to stressful environments (i.e., work, social lives, and family) that may threaten their sobriety by triggering addictive behaviors, which is why rehab will set the stage for long-term support outside of the facility—including daily or weekly check-ins, Alcoholics Anonymous meetings, support groups, and ongoing counselling with a substance abuse professional.
Myelodysplastic syndromes, or MDS, are a group of disorders caused by poorly formed blood cells or ones that don’t work properly. The MDS life expectancy varies greatly from patient to patient, depending on several factors, including age, overall health, and how well the disease responds to treatment. One of the major complications of MDS is that it can cause anemia, a condition characterized by a lack of red blood cells. It’s important to recognize the warning signs of MDS to seek early treatment. Here are ten signs that may indicate the presence of this disease.
1. Fatigue
One of the most common symptoms of MDS is fatigue. This is primarily due to anemia, which can make you feel tired and weak. If you’re feeling unusually fatigued, it might be worth discussing with your doctor.
2. Shortness of breath
Another sign of MDS can be shortness of breath, especially during physical activities. This symptom is also related to anemia, as your body isn’t getting enough oxygen due to a lack of red blood cells.
3. Frequent infections
MDS can cause your white blood cell count to drop, making you more susceptible to infections. If you find that you’re getting sick more often than usual, it could be a sign of MDS.
4. Easy bruising or bleeding
If you notice that you’re bruising easily or bleeding more than usual, it could be a sign of MDS. This is because MDS can affect your platelet count, which is responsible for blood clotting.
5. Skin paleness
Anemia, a common complication of MDS, can cause your skin to look paler than usual. This is due to the lack of red blood cells, which give your skin its color.
Now that we’ve covered the warning signs, let’s look at some FDA-approved treatments for MDS.
6. Blood transfusions
Blood transfusions are often used to treat anemia in people with MDS. This involves receiving healthy blood from a donor to increase your red blood cell count.
7. Medications
Several medications can be used to treat MDS, including growth factors to stimulate your body to make more blood cells, and immunosuppressive drugs to help your body accept these new cells.
8. Chemotherapy
Chemotherapy is often used to kill off abnormal cells in your bone marrow. This can help to slow the progression of MDS and alleviate some symptoms.
9. Stem cell transplant
A stem cell transplant involves replacing your diseased bone marrow with healthy marrow from a donor. This can potentially cure MDS, but it’s a complex procedure with significant risks.
10. Supportive care
Supportive care involves managing the symptoms of MDS, such as fatigue and shortness of breath. This can include medications, physical therapy, and lifestyle changes.
In conclusion, it’s important to recognize the warning signs of MDS and seek treatment early. With the right care, it’s possible to manage this disease and maintain a good quality of life.
Life insurance is a critical safety net for many individuals, especially those over 50 or seniors who want to ensure their loved ones are financially secure after they’re gone. But it’s essential to understand that not all situations are covered by life insurance policies. Here are seven things that life insurance does not typically cover.
1. Fraudulent information
One of the key aspects insurance companies look at when underwriting a policy is the honesty of the information provided. If you have lied or omitted important information on your application, your insurer can deny your beneficiaries’ claim. Always be honest and thorough when applying for life insurance.
2. Suicide within the exclusion period
Most life insurance policies include a clause that excludes coverage for suicide within the first two years of the policy. This period may vary depending on the insurance company and the specific policy, but it’s a standard exclusion across the industry.
3. Death from risky activities
If you regularly engage in high-risk activities such as skydiving, mountain climbing, or extreme sports, your life insurance policy may not cover death resulting from these activities. It’s crucial to disclose these hobbies when applying for insurance, as failing to do so could result in a denied claim.
4. Death in a war zone
Many life insurance policies exclude coverage for death occurring in a war zone. If you are a military personnel or a civilian working in a conflict area, you may need to seek a special policy or rider to cover this risk.
5. Illegal activities
If the policyholder dies while committing an illegal activity, the life insurance claim will likely be denied. This can include anything from driving under the influence to participating in criminal activities.
6. Certain health conditions
While life insurance for over 50 and life insurance for seniors are generally available, certain health conditions may not be covered. This is especially true for policies with a graded death benefit, which only pays out the full benefit if the policyholder lives a certain number of years after purchasing the policy.
7. Acts of God
Some life insurance policies may not cover deaths caused by acts of God, such as natural disasters. However, this exclusion is less common than others and can vary significantly between insurance companies and policies.
Now that you know what life insurance typically does not cover, it’s important to find a reliable provider. Some of the top companies that provide life insurance include New York Life, MetLife, Prudential Financial, and State Farm. These companies offer a variety of policies, including term life, whole life, and universal life insurance.
Remember, life insurance is a crucial part of financial planning, especially for those over 50 or seniors. Make sure to thoroughly read and understand your policy, and don’t hesitate to ask your insurance agent or company any questions you may have. It’s always better to be safe than sorry when it comes to protecting your loved ones’ financial future.
Embarking on home improvement projects is a rewarding journey that can elevate your living space and enhance its functionality. From addressing water damage with companies that clean up water in the basement to upgrading roofing and gutters, and even considering Anderson window replacement, these hacks are designed to transform your home seamlessly. In this article, we explore seven ingenious home improvement hacks that will breathe new life into your living space.
1. Water damage prevention and cleanup
Companies that specialize in cleaning up water in the basement play a crucial role in preventing and addressing water damage. Protect your home from potential disasters by addressing leaks, floods, or excess moisture promptly. Investing in professional services ensures a thorough cleanup and mitigation of water-related issues, preserving the structural integrity of your home.
2. Roofing and gutters upgrade
Upgrading your roofing and gutters is a fundamental home improvement hack that protects your property from the elements. Consider durable roofing materials such as asphalt shingles, metal, or architectural tiles. Additionally, ensure your gutters are clean and well-maintained to prevent water damage and potential leaks. Regular inspections and prompt repairs contribute to the longevity of your roof and the overall health of your home.
3. Anderson window replacement
Enhance your home’s aesthetic appeal and energy efficiency with Anderson window replacement. Anderson windows are renowned for their quality and durability. Upgrading to energy-efficient windows not only improves insulation but also adds a timeless and elegant touch to your interior and exterior spaces. The investment in high-quality windows pays off in energy savings and increased home value.
4. Creative storage solutions
Maximize your living space by incorporating creative storage solutions. Utilize under-the-stair storage, built-in shelving, or multifunctional furniture to optimize every square foot. These solutions not only declutter your home but also add a touch of innovation to your decor, making your living space both functional and stylish.
5. Smart home technology integration
Embrace the future of home living by integrating smart home technology. From smart thermostats and lighting to security systems, these technologies enhance convenience, energy efficiency, and security. Smart home devices can be easily controlled through mobile apps, providing remote access and customization options to suit your lifestyle.
6. DIY painting projects
A fresh coat of paint is one of the most transformative and cost-effective home improvement hacks. Whether it’s an accent wall, a room makeover, or refreshing exterior surfaces, painting projects can instantly breathe new life into your home. Experiment with different colors and finishes to create a personalized and updated look.
7. Energy-efficient lighting upgrades
Switching to energy-efficient lighting options is not only environmentally conscious but also financially savvy. Replace outdated incandescent bulbs with LED or CFL alternatives to reduce energy consumption and lower utility bills. Additionally, consider installing motion sensor lights in outdoor areas for enhanced security and energy efficiency.
Embarking on home improvement projects is an exciting endeavor that allows you to tailor your living space to your preferences and needs. From addressing water damage with professional cleanup services to upgrading roofing and gutters, considering Anderson window replacement, and embracing creative storage solutions, these home improvement hacks offer practical and innovative ways to transform your home. Whether you’re looking to enhance aesthetics, increase energy efficiency, or optimize functionality, these hacks provide a roadmap for a more comfortable and stylish living environment.
