The real meaning of retirement has never sunk in the minds of people, and they believe stopping to involve themselves in the ordinary productive work life and rest.

Most often retirees switch off from the regular day’s life and start thinking of their final days to leave instead of engaging in productive work. This need to be addressed to ensure that the retiree remains relevant in the society.

Some of the issues that need to be addressed are:

  1. Believing that this is a consumption stage- The think that the retiree has worked the entire years and time has come when they need to eat up from the savings should be reversed. This is because the savings can be used to start up profitable businesses meant to help future generations.

The retirement savings eventually get finished and marks the beginning of stress, and this is a good reason to say a “no” to retirement.

  1. Retirement is signing a death certificate.

Retired people who remain inactive after retirement become miserable and wish that they would die. The thoughts of death should be addressed early enough by engaging in other activities which will ensure that the mind remains busy and away from such thoughts.

  1. Stop believing in the traditional sources of income

The conventional sources of income include the pension, Social security find and the like which numb the mind of the retirees that they will have enough. This should be suppressed, and they need to be educated that life continues after they retire and should have different sources of income to supplement the monthly salary.

Don’t forget insurance.  Medicare Supplement plans 2019 may be something you qualify for.  Find out how at

What is the answer to retirement?

Retirement does not mean the end of life, and when one retires, they should actively engage in development projects which will support themselves and the children who are not capable of meeting their financial needs.

However, they can be exempted from work if they have permanently been disabled and are not able to hold any office,

Otherwise, if they are strong and have the energy to keep moving, they should keep working and remain relevant and productive members of the society.


The best advice for retirees is to keep working even after retirement to support themselves until old age. They may not work for the entire day but should either work on a part-time basis by giving advice to the younger generation or even becoming a manager in an enterprise where they do not have to report to work on a daily basis. This will help them say a big “NO” to retir

How Medicare Supplement Plan N Can Save You Money

Have you been frustrated about all the additional health care costs you need to pay for? Medicare original will in most cases leave you adding to the bill out of your own pocket to be able to cover it. Depending on your health state and history, your expenses might have been very limited up until now and your pocket might not have been affected by this yet. However, one should always be prepared or at least try to prepare as much as possible for what the future might hold. Even if you are taking the best care of yourself and your health, there are many conditions we cannot prevent. Health emergencies are also known to be the most expensive ones and having to pay a part of this bill can even financially destroy you. Especially as we age, we are prone to needing some type of medical care more and more often. For those who are tired of worrying and want to get some type of stability, adding a health care supplement plan is a good way to go! Supplement plans are offered by private health insurances and are mostly payed monthly. The monthly premium rate depends on the company as well as the plan you choose. These plans can also be payed annually, however they are more expensive, because the insurance company prefers their members to pay month by month. There are 10 supplement plans available. These are: A, B, C, D, F, G, M, N, K and L. If you have been considering getting the Medicare Plan N, here is what you need to know:

What it covers-Find this out and more at

Medicare Plan N is a plan that has been standardized and covers the same benefits in every state of the US. Almost, all states that is, because three of 47 stats have their own supplement plan standardization. These states are: Wisconsin, Massachusetts and Minnesota. The cost for the premium rate can vary between health insurance companies, as these are allowed to set their prices freely. Medicare plan N in the 47 states, contains the following benefits:

  • Coverage of part A hospital coinsurance expenses and other hospital costs
  • Coverage of part A copayments or coinsurance hospice care
  • Coverage of part A deductible expenses
  • Coverage of part B costs for coinsurance
  • Coverage of costs for the first three pints of blood
  • Coverage of costs for nursing facility coinsurance

What it doesn´t cover

Medicare Plan N does not cover for the Medicare part B deductible, which is 183$ annually and any part B excess charges. Excess charges are costs, that your provider might charge you for a particular procedure, that is above the Medicare limit. Medicare sets a limit for procedures, which most health providers accept to and promise to not charge over this limit. This is what´s other known as Medicare assignment. In fact, up to 90% of doctors are part of Medicare assignment. Therefore, by visiting these health care procedures, you can make sure to avoid these additional excess charges.


Are you a citizen of the US? These Medicare supplement plans offer national coverage!

US Citizens know that with Medicare Part A or B, many of the health care expenses necessary inside the United States aren´t covered. These costs would be long-term care, dental care, eye exams required due to prescribing glasses, acupuncture, cosmetic surgery, hearing aids, routine foot care and more. Additionally, there are many services that aren´t fully covered by Medicare, such as, in an emergency, the three pints of blood. There are copayments to pay, deductibles, coinsurance and excess charges. If health care is required often throughout the year, it can get very expensive very fast. Especially, if you need to have surgery and are admitted into hospital. For people who are restless worrying where to find the money to pay for all these additional costs, supplement plans are the best available option out there. Supplement plans are offered by health insurance companies to help fill out and cover for all possible expenses, that Medicare won´t cover. This gains you financial security and control, as you know that if anything should happen, you have already been paying for it monthly by paying your supplement plan premium rate.

Supplement Plans for 2019

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Those, who are planning to leave the country for any reason, need to get informed about the costs that are covered when they are not in the US. Health emergencies can happen anytime and anywhere, which is why it is most important to be covered at all times. While there are many travelers who take the risk on their holiday trip and stay uninsured, believing and hoping nothing would happen, others simply can´t imagine finding themselves in the situation of needing medical health care abroad and having to pay for it out of their own pocket. It is better to be safe than sorry. There are some limited cases, in which Medicare original does cover for expenses, even when you´re not in the U.S. These cases are:

  • Emergencies in Canada, traveling a direct route to Alaska or another state, that can be treated in Canada only due to the closeness to the hospital
  • Being on a cruise ship, that is on US waters, which translates to six hours away from U.S. port
  • When while living near a boarder, such as Mexico and Canada, the closest hospital is found in the neighbor country

As these cases are all very limited, their coverage won´t be enough for most people. These supplement plans will cover for 80% of your emergency expenses abroad: Plan C, Plan D, Plan F, Plan G, Plan M and Plan N.  These plans cover different other benefits and you can choose between them by looking at what other benefits they cover and which ones you would additionally need as well. Some of these plans are less expensive than others, and it is up to the individual and one’s unique needs to decide with of these benefits are important. Plan F is a plan that is known to be the most expensive, but also the only one that covers all expenses.

Why are Medicare Supplement Insurance Plans Different in These Three States?

There are 10 different Medicare supplement plans that citizens of the United States can choose from, to supplement their basic, original Medicare Part A and B. These supplement plans are there to cover costs that the original Medicare Part won´t. The 10 different plans are divided by the letters A, B, C, D, F, G, K, L, M, N. They all have similarities and differences between them, based on which costs they cover and how much the plan premium costs. However, all these plans and the costs they cover are the same from state to state. What a plan A covers in New York, it will also cover in California. Out of the fifty states, three of them don´t follow this standardization and the Medicare Supplement plan there is standardized differently. The states affected are: Massachusetts, Minnesota and Wisconsin.

Basic knowledge you need to know about Medicare Plans in These Three States-find out more at

The main difference of the standardization in these states, is that the Medicare options and what they cover are divided and set differently than in the other 47 states.

In Massachusetts, members can enroll to a basic plan of their choice and one additional, supplementary plan. You can either only have the basic plan or get the basic plan and one supplemental plan additionally. There are different kinds of basic plans and supplemental plans to choose from.

In Minnesota, it is divided similarly, into a basic plan and plans you can get supplementary, with a limit of up to 4 supplement plans you can add to your basic one.

In Wisconsin, the basic plan already has many benefits, that in other states would only be covered by a supplementary one. There are also cost-sharing plans available, with an out-of-pocket coverage of either 50% or 25%. In addition to these options, in Wisconsin you can also choose a high –deductible plan. It covers almost all expenses that Medicare part A and B cover and some supplement plans, after having paid a set amount for health care annually. This amount that would need to be paid out of one´s pocket first adds up to 2,070$ per year. As it covers, after reaching this limit, almost all other medical expenses, it is a good option for patients who require medical care throughout the year very frequently and know, that an amount of 2,070$ per year is still saving them tons on the long-run for the health care they are requiring.

In general, the biggest difference of these plans from the Medicare Part A and Part B, is that in these states the basic plan covers for expenses that on Medicare get covered by supplement plans, such as first three pints of blood, home health care visits (in Massachusetts up to 40 visits a year are covered by the basic plan), anesthetics for dental care and ambulatory surgeries. Some of these basic plans also include preventive measurements such as regular check-ups, immunizations and health screenings throughout the year.


When one becomes a Medicare beneficiary, it does not mean that all the costs will be automatically met. Senior citizens need the prescription services now and then since their bodies are also becoming weak as age trickles.

The Congress created Medicare part d program in 2003 to be able to support the Medicare beneficiaries to have access to prescriptions without so much of strain.

This program is voluntary, and one still has to pay for Copay though the benefits are far much better than staying without having the plan.

The below factors are valid reasons as to why one should enroll in the program.

1 The premiums are affordable- Since this plan have different tiers, one can be able to make a firm decision on which tier to subscribe for according to the pocket size of the senior.  They also have coverage which contributes positively to the annual spending because it limits the money you can pay through the pocket.

  1. As soon as you turn 65 one should immediately enroll for the program because if you plan to enroll later, there are penalties associated with late payment. Again you must wait until the next election period when the next group of seniors will be picked. Therefore when enrolling for Medicare, ensure that you also subscribe to Medicare Part D plans.
  2. For late enrollment, one is charged a % of the national average figure which is a lot of money. Therefore it is important to enroll early enough since once you make late enrollments, the rare of paying the penalty will be charged on a monthly basis unless there is a proof that the employer has any plan for the prescriptions that he caters for.
  3. Take a look into Medicare supplement plans 2019 by visiting

What will the premium be for the Medicare part d- Normally, premiums are paid annually. So the amount of premium is determined at the onset of the calendar year.

The income that one earns sometimes affects the cost of premium that one is expected to pay depending on the level of income during a particular fiscal year.

Drugs also vary depending on the premiums that one pays plus the deductibles which include the copay which varies depending on the type of insurance company that you enroll with.


When determining the cost and benefits of Medicare part d drug plans, always make various comparisons with the companies that offer the services within your area.




The first and foremost issue is that as we grow older, the more the need for medical care in our lives. This is because more illnesses tend to take advantage especially for the seniors who are over 65 years of age.

At this level, the Senior happens to spend more money for medical aid than before, and the need for Medicare insurance comes knocking at the door.

If we take the issue of a disease like Cancer which strikes without knowing for people who are of that age, there are those preventive measures that one keeps on seeking to ensure that there will be minimal infections.

However, illness will still strike even after a lot of protection. And the expenses that are healthily related must be incurred and thus the need for Medicare insurance.

When you purpose to take medicare insurance, then it is critical to understand the following;

  1. Have enough information of how Medicare works; The fact that Medicare is divided into 4, Part A, B, C, and D each of them have their roles which are not supplemented by the others. For instance, part A and B are meant for the standard medical care and nursing care whereas Medicare part D is intended only to cater for the prescription drugs.
  2. Would you like to learn more about Humana Medicare Advantage Plans 2019?  Visit

Humana Medicare Advantage Plans 2019

But since everyone in America who is 65 years old and above qualifies for insurance, then there is no need to worry because like Part A is an automatic qualification to all.

  1. Ensure that your health is a priority-This will help reduce doctors visits now and then if your purpose to have a healthy lifestyle. Keeping your body active even after retirement so that the muscles and the brain can remain focused will also help one to save on the medical costs because exercise will help the body to stay healthy.
  2. Have some funds set aside for Medicare insurance– When setting up the plan for the retirement strategy, it is essential to set aside the budget which will cater for Medicare insurance to avoid struggling financially once you retire and there are no available options than to pay for the medical care.

Otherwise, it may become a nightmare to take charge of the expenses without the insurance bearing in mind that as age sets in, the body becomes prone to infections and need for medication automatically arises.


For a smooth flow of Medicare insurance, ensure that once you turn 65 and become eligible you sign up for the insurance to avoid any further penalties which are also an additional cost that may have been avoided if one signs up immediately.



Most of the time. It becomes a challenge to understand why one would never consider himself to have earned enough even after retirement. This question should not become a bother since you cannot change the situation.

After analyzing the amount of money available to you after retirement, it’s important to know how this money will be used during retirement.

The questions that should come to mind and have ready answers from oneself include:

  1. What are the sources of income?

The sources need to be listed down to be able to know the overall savings that one has made during work life. They include;

  1. The savings put aside for retirement- This can be through a separate bank account savings account which was solely opened for personal retirement savings.
  2. Pension- A reputable employer will always have a saving scheme which helps a person to save and at the same time gain benefit from the employer with the additional saving as defined by the state.
  3. Social security savings- The government has a way of saving for every employed individual and pays out after retirement the saved amount.
  4. Post-retirement- Usually people engage in different income generating activities after retirement like in the case for baby boomers who are actively involved in economic growth which automatically becomes an additional income for the rest of the life he may live.
  5. Analyze expenses- This should be analyzed on a monthly basis to ascertain if one can be sustained for the lifespan that is left. This includes healthcare, food, transport, and others including relocation expenses should a person wish to transfer to a different city of residence.
  6. Estimation of unknown occurrences- The economy may be frustrating at times and inflation may strike which would mean automatic change of the cost of living.
  7. Insurance- Medicare Supplement Plans 2019 information can be found at

Others would include the investment returns which would either decrease or increase depending on the nature of the economy.

Expected Lifespan- It is of importance to estimate your lifespan to check if the saving can sustain you to the end. This helps to prevent early deaths due to financial constraints that may lead to heart attacks out of worry and fear.


Retirees need to ensure that they have a plan instead of getting caught up unprepared when age catches up with them.



A sales job is a job like any other that pays well. Without a good knowledge of sales, one may not make a lucrative income even if it is the primary source of income.

To be a successful salesperson, there are some do’ and don’ts of the Medicare plans as you climb the ladder to sell and have a pool of clients successfully. For every 100 people. Only 10 of them become successful in Medicare business. This is due to lack of perseverance, patience, and faith.

The below points can help to determine how successful one will be.

  1. License- One must obtain an Insurance license for operations I the state that you will work for. The E and O insurance license is also an additional requirement whose pricing was better.
  2. Appointment, for a successful salesperson, he needs to be appointed to sell to at least two companies which offer Medicare supplement plans and also Medicare Advantage plans.

As you continue selling, you will be in a position to be appointed by more companies.

  1. Good knowledge of Medicare products. Before you start selling, ensure that you understand all the products which include Medicare A and B to gain confidence in explaining to the customer what each one of them covers.

The best advice for this is to ensure that you have a copy detailing all that is required of the Medicare so that in case of anything you can refer.  To find out more about Cigna Medicare Supplement visit the following

Without proper education, and with the competitors outside there, you may never make.

  1. Use of the Internet. Research from the internet about the competitors in the field and work on their weaknesses for your self-interest. Upgrade the products using better information that will convince the clients to buy the Medicare.
  2. Use wholesalers who have multiple contracts with insurance companies because they will be able to give more orders which will help to meet the target.
  3. Understand the target market- Since Medicare is for the senior citizens, there is need to get to know the population of the seniors within the area of operations to ensure that it will be a successful engagement once you start selling.

cigna medicare supplement


To gain the competitive advantage with the competitors, the minute you start selling Medicare, maintain good customer relations. Use the insurance department to get better rates for the customers without being biased.

Lastly, give the best information to the clients so that you can become a reference point to other seniors who will be willing to buy the Medicare products.

Myths about Senior Living Communities

Choosing an elderly living community can be challenging and complex process. The more information we have, the better decisions we can make. On that note, it is important to emphasize that there many misleading information and beliefs about the assisted senior living community. That is why, it is important to clear out some fears and set the record straight about what senior living communities can offer to their future residents.

Cigna Medicare Supplement

A Cigna Medicare Supplement may help with the costs of long term care medical bills.  Visit

The first major myth about the assisted living communities is that life in those centers in depressing. The general perception is that the living centers are in dark, disinfectant-smelling nursing institutions. Also they are often seen as cramped, small rooms in overcrowded apartment towers. However, that is not the case today as many living options include single-residence homes, apartments and condos that have broad amenities and plenty of space. Moreover, there are options for interior customization and the options to have pets.

The second major belief is that the senior living communities are expensive. Many get this impression from the broad spectrum of benefits and amenities that these homes can offer.  However, the independent living or assisted living community, seniors can enjoy in their private space in either a single-residence, such as a house or condo, or apartment-style living. Through the concept of assisted living, seniors can be relieved from the obligations and costs for home maintenance, meals and medical care.

Another myth that is common is that many seniors believe that moving into a senior community means losing their independence.  However, research studies have shown that older adults who live in senior living communities have a happier and healthier life compared to those who don’t. There are a variety of senior living community types out there offering a range of lifestyles and living accommodations. Senior living communities offer various recreation and social activities on and off the site.

Moreover, seniors in independent living and assisted living communities have a lot more time more time to socialize and enjoy themselves. In the same time, home maintenance, housekeeping, and meals are all handled by specifically trained staff which can have a great effect on their health.

Another misleading information is that seniors can not see their family and relatives. However, the truth is that independent living offer space for the residents to host friends and family and to house guests overnight. Moreover, social events and gatherings with friends are also encouraged. Seniors have unique have access to common areas and meeting rooms. They can host birthday parties, anniversaries and so on.

On a final note, residents of senior communities are always encouraged fulfill their lives with activities and fun. The residents of these unique homes are also encouraged to keep their independent lifestyle, combined with the various recreation and leisure events at the community.