Medicare Inpatient vs. Outpatient: Why It’s Important to Know the Difference
Do you know the differences between inpatients and outpatients? The lines can get blurry, but the differences are important for your Medicare plan. Your classification as an inpatient or outpatient determines the coverage you get from Medicare.
Medicare Inpatient vs. Outpatient Coverage
In some cases, an overnight hospital stay does not automatically make you an inpatient. It is easy to assume that you are an “admitted” patient and receiving inpatient services if you are brought to a private or semi-private room, but that may not be the case. You may just be under observation and considered an outpatient.
If you’re getting emergency care, same-day surgery, x-rays, or lab tests, you may be under observation if you stay overnight. You aren’t considered an inpatient until a doctor admits you to the hospital.
Original Medicare Coverage for Inpatient and Outpatient Stays
You may notice that your Medicare card has two different dates for starting coverage: one for Part A, and one for Part B.
Medicare Part A is hospital insurance. Covered services include:
Difference Between Medicare Observation Status and Admission Status
For inpatient classification, a doctor has to purposely keep you at the hospital overnight and then formally admit you as such. Once you’re admitted, you have “admission status.”
A doctor may keep you for several hours under observation before deciding to admit you. During those hours, you have “observation status,” and you’re considered an outpatient. Any approved services during that time will be covered under your Part B.
Medicare Part A covers inpatient hospital stays, but Part B covers outpatient stays. If you need more care after leaving the hospital, you must have been an inpatient for at least three days for Medicare to cover a skilled nursing facility.
How much does Medicare hospital coverage cost?
Generally, as an inpatient you’ll only need to pay a one-time Medicare Part A deductible, then you’re covered for 60 hospital days. The Part A deductible is $1,408 in 2020.
You will owe $352 per day from days 61 to 90 in 2020. You will owe $704 per day for each additional day after day 90, provided you have lifetime reserve days. You must be out of the hospital for 60 consecutive days before your hospital coverage “renews.” According to the Medicare Rights Center, you get 60 lifetime reserve days, and once you run out, you are responsible for paying the full amount of your hospital expenses.
With Medicare Part B, you may need to pay 20 percent of the approved doctor services you receive in relation to that hospital inpatient stay. For outpatient services, you’ll pay a copayment or coinsurance for all services you receive. The rest is covered by Part B.
Medicare Prescription Drug Coverage
In most cases, prescription drugs that are part of your hospital visit will not be covered under your Part A or Part B. Medicare may cover prescription drugs as part of procedures, like anesthesia for knee replacement surgery, for example.
For the most part, you’ll need either a standalone Medicare Part D (prescription drug plan) or a Medicare Advantage plan if you want coverage for prescription drugs.
Medigap & Medicare Advantage Inpatient and Outpatient Benefits
Medigap (Medicare Supplement) plans are private insurance plans that cover the same services as Original Medicare. Your monthly premium covers financial items such as coinsurance and copays.
In 2020, there are eight different “letters” of Medicare Supplement plan. Each letter offers a different level of benefits. For example, Plan A covers Part A coinsurance and hospital costs, Part B coinsurance and copayments, blood work copays up to three pints, and hospice coinsurance and copayments.
2020 Medicare Supplement Comparison Chart
Medicare Advantage plans are different. It’s important to know the distinction between the two because you cannot have both a Medigap plan and a Medicare Advantage plan.
Medicare Supplement plans only cover financial items, but Medicare Advantage plans can cover additional healthcare benefits such as meal delivery, non-emergency medical transportation, and even fitness classes! Medicare Advantage plans can also cover additional home health care services.
Get the Medicare Coverage You Need
The difference between Medicare inpatient and outpatient care may seem confusing. A licensed agent with Medicare Plan Finder may be able to help you find the right plan to cover your needs.
Our agents are highly trained and they can assess your needs and see if plans in your area can meet them. If you have questions and would like to speak to one of our licensed agents, please call 1-844-431-1832 or contact us here to arrange a no-cost, no-obligation appointment today.
This post was originally published on July 13, 2017, by Anastasia Iliou. The latest update was on January 2, 2020, by Troy Frink.
5 Common Types of Mental Illness In The Elderly
Most of today’s senior citizens grew up in a time when mental illness was almost never discussed in public. Over the years though, the stigma around mental health has largely eroded and conversations about mental health often dominate the national discourse.
As mental illness becomes less taboo, its far-reaching impact on society is coming more into focus. For example, the effects of mental illness in seniors are studied much more closely than ever before.
Common Types of Mental Illness In Seniors
With this more extensive research, it’s easier to see what mental health issues are common in the elderly population. The most prominent issues in senior mental health are:
1. Depression
Depression is often cited as the most endemic mental illness in the elderly population today. Many older adults may shrug depression symptoms off as simply “feeling down,” meaning it often goes undiagnosed and may be even more pervasive than the research suggests.
There are many risk factors that specifically contribute to depression in the elderly. Retiring from work can cause strong feelings of boredom or listlessness, and the death or illness of a spouse can leave many stressed and sorrowful.
Not only can depression exacerbate the symptoms of other chronic health issues, it is also noted as a symptom of more severe mental disorders like dementia. This means seniors and their loved ones must be vigilant in watching for these depression symptoms:
Feelings of sadness, hopelessness, or emptiness
Lack of motivation or interest in previously enjoyed activities
Trouble concentrating and decision making
Thoughts of suicide or self-harm
2. Anxiety
Anxiety disorders can take many different forms, such as obsessive-compulsive disorder (OCD), panic disorder, or generalized anxiety disorder. These are usually characterized by intense fear or nervousness over issues most would consider normal, routine aspects of everyday life – locking doors or finding a parking spot, for example.
Like depression, anxiety in older adults is extraordinarily common and is often underdiagnosed. Older adults are especially prone to ignoring this illness, perhaps because the conventional medical wisdom of previous decades downplayed psychiatric symptoms if no physical issues existed.
It is important to note however, that some physical symptoms such as restlessness or fatigue may accompany anxiety, further confusing a potential diagnosis. Be on the lookout for these symptoms of anxiety in the elderly:
Irrational, obsessive, or catastrophic thoughts
Isolating behavior and withdrawal from others
Irritability or agitated moods
Fatigue and muscle soreness
3. Bipolar Disorder
Bipolar disorder is usually diagnosed in younger people, whose moods can swing quickly from elation to depression. If this diagnosis is made when the person is an older adult, it is referred to as late onset bipolar disorder and it is more likely to manifest as agitation.
Diagnosing bipolar disorder in seniors is made even more difficult by the misinterpretation of symptoms. Many of the warning signs of late onset bipolar disorder might be dismissed as simply the natural effects of aging. Furthermore, some symptoms may resemble the side effects of certain medications, like antidepressants and corticosteroids.
As the population steadily increases, the number of cases of late onset bipolar disorder is expected to rise along with it. Professional help should thus be sought if you or those close to you observe any of these bipolar symptoms in adults:
Agitation and irritability
Hyperactivity or distractibility
Loss of memory, judgment, or perception
4. Schizophrenia
Similar to bipolar disorder, schizophrenia is a condition usually diagnosed in younger individuals. Late onset schizophrenia is the terminology used when this disorder is observed in patients over the age of 45.
Schizophrenia is characterized by a broad range of symptoms, from the so-called “negative” symptoms, like loss of interest or enthusiasm in activities, all the way to delusions and hallucinations. While late onset schizophrenia is less common than the early onset variety, older sufferers are more likely to experience these severe symptoms.
Currently, doctors are unsure what causes late onset schizophrenia and why it is different from its other forms. Some have theorized that it is a subtype of the disorder which is triggered by life events. Regardless, it is vitally important that seniors and their loved ones keep an eye out for these late onset schizophrenia symptoms:
Delusions or hallucinations
Disorganized speech or behavior
“Negative” symptoms (absence or lack of interest in normal behaviors)
5. Dementia
Though it is classified separately from mental illnesses by the medical community, dementia is still a disorder that severely affects mental health. There are many different stages and forms of dementia but the most common incarnation is Alzheimer’s disease, which affects around 3 million people over age 65.
Alzheimer’s and other forms of dementia can develop from the natural cognitive decline that happens as we age, drawing a startling link between aging and mental health. All demographics should make mental health a priority but seniors especially should watch for these dementia symptoms:
Disorientation or confusion (forgetting dates, years etc.)
Decrease in memory
Decline in ability to communicate
Mood swings and emotional issues
Treatment & Medication
Mental illness treatment can involve inpatient or outpatient care.
Mental illness treatment can be a tricky process and it begins with a proper diagnosis of the condition’s type and cause. To do this, your doctor may administer several different types of tests, from cognitive and psychiatric evaluations to brain scans and lab tests.
Several different mental conditions have symptoms that overlap and make them difficult to diagnose without extensive medical experience. Once the condition is properly diagnosed, a doctor may suggest one of these common forms of mental illness treatment.
Outpatient Care
The most common forms of outpatient mental illness treatment are based around medication or psychotherapy, often used in conjunction. The efficacy of these treatments varies from person to person and sometimes multiple treatment options must be attempted before an effective one is found.
For depression and anxiety disorders, pharmacological methods of treatment usually utilize antidepressants. These can be prescribed in addition or as an alternative to psychotherapeutic approaches like “talk therapy.” The Anxiety and Depression Association of America (ADAA) also suggestsregular exercise and a balanced diet as ways of staving off these common mental illnesses, stressing the link between brain and gut health.
The primary medications used in treating bipolar disorder and schizophrenia in seniors are classified as antipsychotics, usually prescribed at a lower dosage than people diagnosed at a younger age. For non-drug treatments of more severe cases, inpatient care is often required for proper rehabilitation.
For the treatment of dementia in the elderly, no cure is currently known. But the symptoms can be managed and the Alzheimer’s Association recommends a non-drug approach before attempting medication. These can begin with something as simple as changing the environment of those with dementia to remove obstacles and promote a general ease of mind.
If these non-drug approaches are not effective, certain types of medications like cholinesterase inhibitors and memantine may be prescribed to temporarily relieve some symptoms. Other approaches may include the use of antidepressants or anxiolytics, depending on the specific behaviors and symptoms that manifest.
Inpatient Care
With the more serious mental illnesses widely seen among seniors, outpatient care may not be an option. Those suffering from bipolar disorder or dementia may not be able to maintain their daily functions on their own and must turn to medical services that can attend to their needs 24 hours a day.
For example, the most common form of therapy for conditions like schizophrenia is a psychosocial approach, where a team of doctors, nurses, social workers and other professionals work in close contact with the patient to monitor their symptoms, both mental and physical, and help them maintain social skills and daily activities.
In these severe cases of mental illness, the accessibility of quality inpatient care has been shown to be a determining factor in recovery. The psychosocial interactions common in inpatient care are now considered to play a necessary role in a comprehensive intervention plan, as isolation can intensify many of the symptoms of these conditions.
What mental health services does Medicare cover?
Medicare can help pay for your mental health care.
When faced with one of these potentially life-changing illnesses, it is important to know what exactly is covered by your health insurance. Depending on the condition and its severity, some patients may need an extended stay in a hospital, which can quickly skyrocket the cost of care. Fortunately, Medicare covers many mental health services.
Medicare Part A Coverage
The types of mental health coverage offered differ depending on which elements of Medicare you are covered by. Medicare Part A covers inpatient care, or the medical services you receive while staying in a hospital. The out-of-pocket costs not covered are the same regardless of the type of hospital, general or psychiatric.
Medicare measures your use of hospital facilities using benefit periods. These benefit periods are tallied in increments of 60 days, beginning on the day you’re admitted to a hospital and ending when you haven’t used any hospital services for 60 consecutive days.
If your stay is in a general hospital, there is no limit to the amount of benefit periods Medicare will cover. In a specialized psychiatric facility though, Part A will only pay for up to 190 days of inpatient care during your lifetime.
For further information on how the co-payments break down, check out this handy graphic or see our more in-depth article here.
2020 Medicare Part A Copayments
Medicare Part B Coverage
Medicare Part B will cover most of the cost associated with outpatient mental healthcare. This primarily includes any doctor visits that may relate to your mental health, including appointments with psychiatrists, psychologists, nurses, and social workers.
Therapy and counseling may or may not be covered depending on if the doctor accepts Medicare assignment. Finding a therapist who takes Medicare is now easier than ever, using tailored search tools like the one developed by Psychology Today, available here.
After you meet your Part B deductible, Medicare will cover 80% of their approved amount to the doctor or therapist. This leaves a 20% copay that will have to be paid out-of-pocket. For some, this may still be too expensive and that’s where Medicare Advantage, Supplement, and Part D plans can help!
Medicare Advantage, Supplement & Part D Coverage
There are several types of supplemental coverage that can help pay for Medicare mental health benefits.
Part D plans, for example, offer coverage for prescription drugs which are not covered by original Medicare. For the year of 2020, these plans will have an annual deductible of $435 but, since they are provided by private insurance, there is some variation in the deductible, which may be waived, reduced, or charged upfront.
Medicare Advantage plans, also referred to as Part C, can offer far more benefits than parts A and B alone, including prescription drugs, dental and vision coverage, and group fitness classes tailored to seniors.
Medicare Advantage | Medicare Plan Finder
Alternately, you may choose to apply for a Medicare Supplement plan, which provides additional financial benefits to help with mental health-related costs like copayments and deductibles. There are up to ten distinct types of Medicare Supplement plans (designated alphabetically from A – N). Each plan may differ in coverage and price.
Medicare Supplements | Medicare Plan Finder
Whatever supplemental coverage you are looking for, it is best to seek the help of a licensed agent who can fully explain the details of each plan and find one that works best for you or your loved one. To contact one of these professionals directly for free, no-strings-attached information, fill out this form or give us a call at 844-431-1832 and get covered today!
Does Medicare Cover Weight Loss Programs [2020]?
Did you know that you can use your Medicare coverage to fight obesity? Medicare coverage for weight loss can include obesity screenings, obesity counseling sessions, nutritionists, and qualified dietitians. It may even include gym membership discounts. If you think eating well and exercising is too expensive, think again: your Medicare plan can cover it!
Medicare Part B Weight Management Services
Medicare Weight Loss Programs | Medicare Plan Finder
Since obesity is classified as a disease, Medicare Part B covers it like any other ailment. It all starts with your “Welcome to Medicare” annual wellness visit when you first enroll, and it continues with your yearly wellness visits. At your appointments, your doctor should check your height, weight, blood pressure, and BMI – all things that can help your doctor diagnose you with obesity and provide proper treatment. These appointments do not require cost-sharing.
If your doctor considers you at risk for obesity, you may be eligible for preventative counseling and even appointments with a nutritionist. Medicare Part B can cover medically necessary obesity counseling and nutrition therapy.
Obesity commonly leads to heart disease. Medicare Part B covers cardiac rehabilitation (exercise, education, and counseling) for those who have had a heart attack, heart failure, or a related surgery.
Nutritionists & Dietitians
Your doctor may recommend that you see a nutritionist or dietician.
Be careful when choosing a nutritionist or dietitian, because Medicare does not cover all of them. For Part B to cover this service, you must medically require it, and the nutritionist or dietitian must accept Medicare assignment. Medicare only covers trained nutritionists under Part B as MNT (medical nutrition therapy). Any patient who has diabetes, kidney disease, or has had a kidney transplant is eligible based on medical need.
As long as you have Medicare Part B and have a BMI (body mass index) of 30 or higher, you are eligible for obesity screenings and counseling. The National Heart, Lung, and Blood Institute has a free BMI calculator on its website, but a doctor’s screening will be much more accurate. Your BMI is the percentage of your bodyweight that is made up of fat. Remember that some fat is healthy – you are not aiming for a BMI of zero. A healthy BMI is between 18 and 25. Lower than 18 is too little, 25-30 is a bit high, and above 30 is obese.
When you do get your free obesity screening, you might consider behavioral counseling for body fat loss. Your primary physician should offer their own obesity counseling. If not, they might recommend another Medicare-covered service.
The only true “Medicare weight loss programs” are fitness programs.
Original Medicare (Part A and Part B) does not cover gym memberships or fitness programs, but private plans may include a gym membership or fitness center discounts. These are usually offered through major Medicare fitness programs such as SilverSneakers® and Silver & Fit®.
Plans with these benefits are not available in every county. Look over your plan or speak with your agent if you aren’t sure about fitness coverage in your Medicare plan.
Obesity Is a Disease
In 2013, the American Medical Association officially started recognizing obesity as a disease. As such, with a BMI of 30 or higher, you can qualify for “obesity behavioral therapy.
The disease affects approximately ⅓ of Americans, and this recognition allows it to be taken more seriously in the medical community and increase research funding. The classification also helps decrease the stigma involved with obesity. It is a commonplace lie that obesity is merely the result of overeating and a lack of exercise. Some people lack the mental strength to control their eating habits and others are incapable of exercising for one reason or another. Saying that obesity is a disease opens the door for obesity counseling and physical therapy as a form of treatment.
Obesity is a common disease in the senior citizen community due to a reduction in physical activity and a lack of access to good nutrition. Additionally, other common senior conditions like heart disease, diabetes, and physical impairments can make it harder to focus on nutrition and exercise. That’s why it’s so important to use your Medicare coverage for healthy eating, exercise, and weight loss.
Does Medicare Cover Weight Loss Surgery/Bariatric Surgery?
Medicare Part B covers bariatric surgeries such as gastric bypass surgery and laparoscopic banding surgery (LAP-BAND). However, you must meet certain criteria. For example, your doctor must determine that Medicare weight-loss surgery is necessary.
Bariatric surgery is a procedure that reduces the amount of food the stomach can hold, effectively forcing you to eat less. However, it is invasive and not recommended for everyone.
Medicare does NOT cover cosmetic surgeries, such as excess skin removal for weight loss surgery.
Types of Bariatric/Weight-Loss Surgeries
The most common bariatric surgeries are a gastric bypass, a sleeve gastrectomy, an adjustable gastric band, and a biliopancreatic diversion with duodenal switch.
Generally, bariatric surgery is recommended for people with:
A gastric bypass is a weight-loss surgery that has been performed for over 50 years, making it the most experienced bariatric operation. In this procedure, a large section of the stomach is stapled off, creating a pouch that connects to the small intestine. The pouch can only hold a few ounces of food, so patients are unable to eat as much as they used to (and won’t feel as hungry).
This procedure requires that patients make major dietary changes. Protein, vitamin B12, iron, and calcium become increasingly important. Sweet and fatty foods must be avoided.
Sleeve Gastrectomy
A sleeve gastrectomy is performed laparoscopically. About 75% of the stomach is removed, causing it to form a “sleeve” shape. This procedure is used for people with a BMI over 40. It often results in 60% weight loss.
A sleeve gastrectomy cannot be reversed. It typically does not have an effect on diet (except for during recovery time).
Adjustable Gastric Band
A laparoscopic gastric banding procedure is the least invasive. A soft, silicone ring with an expandable balloon is implanted at the top of the stomach. It basically creates two compartments for the stomach. The patient will only eat enough food to fill the top part. Over time, the food will pass through into the second (original) compartment of the stomach and will be digested.
This surgery is newer and was not approved until 2001. There may be some long-term complications with this surgery, such as frequent vomiting, implant malposition, erosion, or weight loss failure.
Biliopancreatic Diversion with Duodenal Switch
The duodenal switch procedure starts with a sleeve gastrectomy. Then, the lower intestine is divided, leaving only a few feet of intestine connected to the digestive tract.
This procedure usually results in the greatest weight loss, but patients will likely have frequent and loose bowel movements and gas. Patients will also need to be closely monitored for healthy vitamin, mineral, and protein levels.
In some cases, a doctor or surgeon may recommend that you undergo the sleeve gastrectomy first, then revisit the duodenal switch in 9-12 months.
The duodenal switch often results in 60-80 percent excess weight loss within two years.
Finding a Doctor for Obesity Treatment
Your primary physician can at least help you get started on your obesity treatment but might refer you to a nutritionist or other specialist if necessary.
Be sure to check with your plan network to make sure your doctors and specialists are covered. You can use Medicare.gov’s Physician Finder to find out if a doctor accepts Medicare, and visit your private plan’s website to find out if your doctor or specialist is in your plan’s network.
Are There any Medicare-approved Weight Loss Programs?
Medicare has not formally approved any weight loss programs or fad diets. Speak to your doctor before joining a new program. Here is some information about popular weight loss programs.
Recently, private Medicare Advantage plans have been given the ability to cover more benefits, and dietary programs like this could be one of them. However, it is more common to find Medicare Advantage plans that cover Medicare fitness programs and nutritionists.
Optifast
Optifast is advertised as a “medically-supervised” and “science-based program that delivers weight loss for health gains.” On average, Optifast users ave lost 30 pounds over 26 weeks (which is a healthy ratio). They’ve also seen decreases in blood glucose levels, blood pressure, and cholesterol.
The program provides meal replacements that include 100% of the recommended daily value of 24 different vitamins and minerals. There are five daily servings. Optifast comes in shake mix, bars, soups, and chewable vitamins.
The Jenny Craig plan includes a variety of foods and a personal consultant that you can connect with weekly. The meal plans ask you to eat every two to three hours and allow you to mix in your own fresh fruits, vegetables, and dairy. Three entrees and two snacks cost less than $25 per day.
In some areas, you’ll be able to visit and pick up your food from a local weight loss center. Otherwise, you can join Jenny Craig online.
Weight Watchers
Weight Watchers revolutionized fad dieting with their point system.
Each Weight Watchers user will have a unique amount of “points” they are able to use each day. Every piece of food is awarded a point value (though some may be worth 0 points). Your daily point budget is based on your age, height, weight, and sex. Technically, you can eat whatever you want as long as you don’t go above your daily points budget.
Weight Watchers is not very expensive, starting at $3.07 per week for the digital-only plan. You can download the Weight Watchers app and do it all yourself!
What’s nice about the Weight Watchers diet is that you don’t have to eat frozen foods shipped to you, you can keep buying your own groceries and cooking healthy meals. You may even be able to keep enjoying some of your favorite foods, as long as you enjoy them in moderation.
Medicare for Diabetes and Weight Loss
Obesity can put you at a higher risk of developing diabetes. You can use your Medicare coverage to help prevent both obesity AND diabetes.
Medicare Part B covers diabetes self-management training (DSMT), blood sugar monitors, blood test strips, lancets devices, lancets, therapeutic shoes or inserts, and external insulin pumps.*
Additionally, Medicare can cover your participation in the 16-session Diabetes Prevention Program if you:
Have a BMI over 25 (23 if you are Asian)
Have never been diagnosed with either diabetes or ESRD
Have not participated in this program before
Have a hemoglobin A1c test result of 5.7-6.4%, a fasting plasma glucose result of 110-125 mg/dL, or a two-hour plasma glucose result of 140-199 mg/dL (test results must be from the past 12 months)
Medicare Part A covers hospital stays, and Medicare Part B covers physician services. If you are over the age of 65, you automatically qualify for Medicare coverage. You can also qualify by receiving SSDI (Social Security Disability Income) for 25 months or more or by being diagnosed with either ALS (Lou Gehrig’s Disease) or ESRD. Most people will get premium-free Part A but will have to pay a monthly premium for Part B.
To add more to your Medicare plan, the best option is to enroll in a MAPD, or Medicare Advantage Prescription Drug plan. These plans include everything that Part A and Part B covers plus prescription drug coverage and other benefits like dental, vision, and fitness programs like SilverSneakers® and Silver & Fit®.
We have benefits advisors in 38 states that can help you select the best Medicare Advantage Prescription Drug plan for your needs. Some people may even be able to get a MAPD plan with a $0 premium! To find out more, chat with us, send us a message, or give us a call at 844-431-1832.
This post was originally posted on June 22, 2017, and was last updated on December 3, 2019.
Is UnitedHealthcare Dropping SilverSneakers in 2020?
As of January 1, 2019, UHC no longer offers SilverSneakers® with Medicare Advantage plans in 11 states:
California
Connecticut
Illinois
Indiana
Iowa
Kansas
Missouri
Nebraska
Nevada
North Carolina
Utah
Along with Medicare Supplement (Medigap) plans in nine states:
Arizona
California
Connecticut
Illinois
Indiana
North Carolina
Ohio
Utah
Wisconsin
Why Did UHC and SilverSneakers® Part Ways?
According to Sam Warner, who leads UHC’s Medicare Advantage product team, the company’s move away from SilverSneakers® is to “reach a broader portion of our membership” with a “wider variety of fitness resources.” Warner noted that “over 90 percent of policyholders who are eligible for SilverSneakers® “never step foot in a gym.”
Will UnitedHealthcare offer any fitness benefit in 2020?
Fitness Benefit | Medicare Plan Finder
Yes. Starting in 2020, UHC will offer new fitness benefits* with some plans. As plans can vary in every zip code, ask your licensed agent whether or not this benefit can apply to you!
Medicare beneficiaries with certain UHC Medigap plans may feature a fitness benefit that includes gym membership discounts and phone access to wellness coaches along with other health resources.
Medicare Advantage policyholders may be able to join a program called Renew Active™, which will replace SilverSneakers® in January 2020. The Renew Active™ benefit may include access to fitness centers, classes, and group activities along with tools to exercise your brain health.
*Always check with your doctor before starting any fitness program to make sure the program suits your individual needs.
How Does Renew Active™ Work?
The new Renew Active™ program includes a gym membership, an online “brain health program,” and access to local events. You can use the Renew Active™ website to find a facility close to you that participates in the program. Renew Active™ works with popular gym chains and local gyms. It may include some Planet Fitness locations, YMCAs, and more.
At no additional cost, Renew Active™ also comes with a personalized fitness plan. You’ll get an introductory one-on-one personal training session to set your initial goals and then you’ll be able to meet with your trainer at least yearly.
You’ll be able to work on strength, aquatic exercises, cardio, mind & body, and other specialty activities (like self-defense or Zumba®).
Renew Active™ can also coordinate with your Fitbit as well as your AARP® Staying Sharp program.
You can get Renew Active ™ if your UHC/AARP ™ Medicare plan supports it.
When Can I Enroll in a Medicare Advantage or Medicare Supplement Plan?
The Annual Enrollment Period (AEP) is from October 15 – December 7, which is the time of year many Medicare beneficiaries can enroll in new plans or make changes to existing ones.
Some members qualify for a Special Enrollment Period (SEP). Depending on your eligibility, you may have a lifelong SEP, which allows you to make one change per quarter for the first three quarters of the year — instead of only during AEP. Some people may only be eligible for a temporary SEP due to a life change, like moving to a new service area.
If you have just become eligible for Medicare for the first time, you can enroll in Medicare Advantage during your Initial Enrollment Period (IEP).
When You Can Enroll in Medicare Supplement Plans
You can enroll in a Medicare Supplement plan at any time during the year as long as you meet the requirements for Original Medicare (Part A and Part B).
Note: Don’t wait too long to enroll in Original Medicare because once you’re out of your IEP you may require underwriting, because insurance carriers aren’t required to honor your “Guaranteed Issue Rights”.
Tennessee YMCA Locations Breaks Partnership With SilverSneakers ®
In related news, the Tennessee State Alliance of YMCAs decided to leave the SilverSneakers® network. The change is effective January 1, 2020.
The two organizations parting ways means that you must find different coverage if you want to continue exercising at Tennessee YMCA locations.
Tennessee YMCA locations still accept Silver & Fit®, and you may be able to use Renew Fit.
Other Supplemental Benefits With Medicare Advantage Plans
Along with fitness benefits, some Medicare Advantage plans can offer coverage for vision, dental, and hearing services. Other supplemental benefits include meal delivery, non-emergency medical transportation, and drug coverage (prescription and over-the-counter).
Find Medicare Plans With a Fitness Benefit
If you want a Medicare plan with a fitness benefit or any other supplemental benefit, one of our licensed agents may be able to help. Our agents are highly trained and they can help you sort through the plans available in your location. To set up a no-cost, no-obligation appointment, call 844-431-1832 or contact us here today!
This blog was originally published on October 1, 2019. The latest update was on November 26, 2019.
Why Vitamin C is Important for Seniors
Vitamin C is an essential vitamin with several health benefits, but the body does not produce it naturally. As you age, it becomes more and more important to keep up with your diet and make sure you’re getting enough vitamins and nutrients.
The recommended daily vitamin C intake is 75mg for women and 90mg for men. That might sound like a lot, but one orange can get you at least halfway there. There are several ways to incorporate vitamin C into your diet and to make sure you’re getting enough. No excuses!
What is Vitamin C?
Vitamin C (L-ascorbic acid) is a water-soluble vitamin, meaning that it dissolves quickly in the body. While animals can “make their own” vitamin C, humans cannot produce it. Since it dissolves so quickly, it’s important to intake vitamin C every single day.
Vitamin C is necessary for the “biosynthesis of collagen, L-carnitine, and certain neurotransmitters,” and is “involved in protein metabolism,” according to the National Institutes of Health. Biosynthesis is the process of creating complex molecules that are essential for survival.
In layman’s terms, Vitamin C and biosynthesis are necessary for healing and healthy body functions.
Vitamin C Benefits: What is Vitamin C Good For?
Aside from assisting in the body’s natural biosynthesis process, vitamin C is a:
Antioxidant – Vitamin C is a strong antioxidant, meaning it helps defend the body against harmful diseases. It can also improve white blood cell function, making it an all-around fantastic immunity booster.
Blood Pressure Reducer – Studies have shown that Vitamin C can help relax the blood vessels, resulting in reduced blood pressure.
Heart Disease Preventative – Vitamin C has been shown to lower the risk of heart disease, especially when taken naturally as part of a diet instead of through supplements.
Gout Preventative – Vitamin C may reduce uric acid in the blood, helping to prevent gout, a painful form of arthritis.
Iron Absorber – Vitamin C can help the body absorb iron properly, making it extremely useful for vegetarians and those who don’t eat enough red meat or who are anemic.
Memory Enhancer – Studies have shown that people with dementia had low levels of vitamin C, and low levels have overall been linked to forgetfulness.
Eye & Tooth Booster – The American Optometric Association cites vitamin C as an important vitamin for vision and dental health.
Couple enjoying a picnic
Vitamin C Side Effects
It is unlikely that you can have a vitamin C overdose, though it is recommended that you don’t take in more than 2,000mg per day. If you get all your vitamin C from food, it can be very hard to have that much in one day. However, it is possible to have 2,000mg or more in one day if you get your vitamin C from supplements.
It is unlikely to overdose and experience vitamin C side effects, but it can cause:
Diarrhea
Nausea/vomiting
Heartburn
Abdominal cramps
Headaches
Insomnia
Redness/flushing
Lightheadedness
The Dangers of a Vitamin C Deficiency (Scurvy)
Scurvy is the body’s response to a lack of vitamin C. A vitamin C deficiency can cause:
Anemia
Dry hair and skin
Easy bruising, bleeding gums, and nosebleeds
Weakened tooth enamel
Weight gain
Swollen joints
Decreased ability to fight infection
Scurvy is a severe form a vitamin C deficiency, and it mostly affects older and malnourished adults.
How to Get The Right Vitamin C Dosage
The easiest and healthiest way to make sure you’re getting enough vitamin C each day is to incorporate it into your diet. Most foods that have good amounts of vitamin C have other important nutrients in them as well. For example, oranges and orange juice are well known for being a good source of vitamin C, but they also have plenty of potassium, folate (vitamin B9), and thiamine (vitamin B1).
Couple enjoying a healthy breakfast
Vitamin C Foods
Many fruits and vegetables are high in vitamin C, including:
Guavas
Bell peppers
Kiwi
Strawberries
Oranges
Papayas
Broccoli
Tomatoes
Kale
Snow peas
Vitamin C Drinks
If you prefer, fruit drinks can have a lot of the same value as pieces of fruit. However, be aware that many fruit juices are full of added sugars and may not be a healthy long-term solution. If you have the ability to make your own fresh-squeezed orange juice, that can be a great healthy alternative. An eight-ounce glass of fresh-squeezed orange juice can contain 125mg of vitamin C, more than the recommended daily amount!
Grapefruit juice, cranberry juice, pineapple juice, and prune juice can also provide great vitamin C value.
Vitamin C Supplements
You can find vitamin C supplements in various forms, like serums, powders, tablets, gels, and gummies!
Vitamin C Tablets, Pills, and Gummies
You can find most any supplement you’re looking for in tablet, pill, or gummy form from your local pharmacy or grocery store. Consider these examples (which can also be purchased from Amazon):
Generics: Many drugstores will have generic versions of these supplements which may be cheaper than their brand-name counterparts (but usually include the same important ingredients).
Vitamin C Serum
Vitamin C serums are usually meant to be used on the skin, so it’s a good idea to consult with your doctor or dermatologist before using a product. This example we found from InstaNatural is designed to be an anti-aging and blemish defense as well as a hydrating serum.
Vitamin C Powder
If you don’t want to take a pill but you need another form of a vitamin C supplement, you might want to try a vitamin C powder. Powders like this one from Nature’s Way are meant to be stirred into an eight ounce glass of water. You can also mix it into a smoothie or juice! This powder contains 500mg of vitamin C and only has 15 calories in it.
Emergen-C has a similar product, but it contains other nutrients as well. This one produces an orange fizzy beverage which includes vitamin C, thiamin, riboflavin, niacin, vitamin B6, folate, and vitamin B12.
Emergen-C
We couldn’t go without mentioning the other host of products that Emergen-C offers (and no, they are not sponsoring this post)! Aside from vitamin C and adult immune health support, Emergen-C also has energizing products, sleep aids, and kids immune support!
Orange Juice
Emergen-C Ingredients
Each Emergen-C product has slightly different ingredients, but we wanted to look at the Emergen-C Probiotics Plus product designed for daily immune health support. This product has an orange flavor and will provide 250mg of vitamin C (less than other products but still more than your daily recommended intake), and 110mg of potassium. It also lists out fructose, citric acid, maltodextrin, and malic acid.
While those extra ingredients can seem a bit scary, a lot of them are found naturally in the foods we eat. For example, malic acid is what contributes to the sour taste of many fruits. Additionally, nutritionfacts.org said that by weight, citrus fruits are about 10$ citric acid. So, you might be getting these ingredients in your daily diet anyway.
Still, taking supplements does not mean that you can always eat unhealthy foods. These supplements are meant to literally supplement your diet, meaning you should still focus on eating healthy.
Emergen-C vs Airborne
Airborne is another great product that advertises a “blast of vitamin C.” Both products contain very similar ingredients but come in different forms and flavors. For example, this product from Airborne has a “Very Berry” flavor and comes in the form of a tablet that will dissolve in a glass of water.
Yummy Vitamin C-Filled Meal Ideas
If you have a hard time incorporating vitamin C-filled fruit and vegetables into your diet, consider these sneaky tricks:
Add sliced strawberries to your morning cereal or oatmeal
Freeze fresh fruit juices in a popsicle mold for a natural alternative to the sweet treat
Include leafy greens in your sandwiches and burgers
Use berries instead of chocolate chips in your pancakes and muffins
When in doubt, always ask your doctor about your diet. If you’re really struggling, your doctor might refer you to a nutritionist who can put together a concrete dietary plan designed just for you.
Winter Wellness Tips for Seniors and Medicare Eligibles
Winter often consists of lower temperatures, less sunlight, and more time indoors. The same weather that is bothersome to most can prove to be dangerous for others.
Winter Safety Tips for the Elderly
love, winter holidays and people concept – happy senior couple with takeaway coffee at christmas market on town hall square in tallinn, estonia
Seniors and Medicare eligibles face several dangers including falling on ice or snow, frostbite, and hypothermia. Use these winter wellness tips to help ensure you are healthy, safe, and able to enjoy the holidays with your friends and family.
Falling on Ice or Snow
According to the Centers for Disease Control and Prevention, falls are the leading cause of injury and death in older adults. Fall prevention is important outside and in your home, but snow and ice can easily blindside you. Tips to protect yourself from falling on ice or snow include:
Understand the side effects of your medications. Some medicines can cause dizziness or vision issues, so be cautious when leaving your home.
Wear weather-appropriate shoes. Make sure your shoes are the right size and have good traction.
Allow extra time when commuting to your destination. Don’t rush when you’re walking and take small deliberate steps.
Use sand or cat litter on sidewalks or walkways.
When going inside, wipe your feet off before you enter. Wet shoes can cause you to slip on dry surfaces.
Keep your hands free whenever possible. If you are carrying bags, take several trips so you do not overload yourself. Always ask for help if possible.
Have emergency numbers stored in your phone. Take your phone whenever you leave the house, even on short trips to your car or mailbox. If you fall, you can easily access your phone and call for help.
Frostbite and Hypothermia in the Elderly
As temperatures drop, there is an increased risk of frostbite and hypothermia in the elderly. Frostbite and hypothermia are a result of cold weather and can be difficult to notice. Understanding the differences, warning signs, and symptoms are important when practicing winter wellness.
Frostbite occurs when your skin is exposed during extreme winter conditions. The cold weather causes your tissues underneath your skin to freeze. Frostbite causes you to lose feeling in the exposed area, which is commonly your fingers, toes, nose, ears, cheeks, and chin. If your skin turns white or a grayish-yellow color, or feels firm or waxy, seek medical care immediately.
Hypothermia occurs when your body’s core temperature becomes abnormally low. Hypothermia in the elderly is more likely due to a decreased production of body heat.
Warning signs of hypothermia include shivering, exhaustion, confusion, memory loss, slurred speech, and drowsiness. If you are experiencing these warning signs, take your temperature if possible. If your temperature is below 95 degrees, seek medical health immediately.
Prevention is key to protect yourself from frostbite and hypothermia. Make sure your home is well heated and insulated and be sure to eat healthy foods to fuel your body.
If you need to go outside or travel for any given reason, check the weather, and if possible, avoid extremely low temperatures. However, if you must venture out, wear plenty of weather-appropriate clothing.
Senior Isolation in the Winter
Many seniors and Medicare eligibles may be unable to leave their home in the winter. This can lead to a lack of social interaction. Feeling isolated can disrupt sleep, raise blood pressure, increase the risk of depression, and lower your overall well-being. Tips to prevent isolation include:
Call, email, or FaceTime friends and family regularly.
Consider getting your meals delivered to encourage a healthy diet. Programs like Meals on Wheels are great options.
Reach out to friends, family, and neighbors.
If you really struggle with isolation, consider moving into an assisted living facility.
Fire Hazards
Home fires can start at any time but are more common in the colder months. It’s important to practice fire safety and have an emergency action plan in place. Here’s what you should remember:
Make sure you have smoke alarms in the appropriate areas of your home, especially near any sleeping areas. Test alarms regularly and have spare batteries on hand.
Never walk away from a room when cooking. Plus, you should always have a fire extinguisher handy.
Keep curtains and drapes away from any heat source.
Never leave a burning candle unattended.
If you have a fireplace, get it inspected annually.
Place space heaters in an area that is open and clear.
If you smoke, avoid smoking indoors and around oxygen tanks.
Seasonal Affective Disorder (SAD)
Seasonal affective disorder (SAD) is a type of depression that’s associated with changes in seasons. The disorder begins and ends at about the same time every year, with symptoms starting in autumn and continuing until spring.
Symptoms of SAD
SAD symptoms may include:
Feeling depressed most of the day almost every day
Loss of interest in activities you’d normally enjoy
Low energy
Having problems falling or staying sleeping asleep (or sleeping too much)
Changes in your appetite or weight
Feeling sluggish or irritable
Difficulty concentrating
Feeling hopeless, worthless or guilty
Frequent thoughts of death or suicide*
*If you or someone you love experiences thoughts of suicide, please call the National Suicide Prevention Lifeline at 1-800-273-8255.
Combat SAD With a Winter Fitness Plan for Retirees
Retirees and Medicare eligibles can fight SAD with a great fitness plan. According to Harvard Medical School, fitness is as effective as antidepressants in some cases. Although a gym membership with fitness classes may help, you can get a great workout at home. All you need is some dumbbells, resistance bands, or even a chair.
In some locations, going for a walk outside isn’t an option due to weather concerns. Have you considered going for a walk at the mall? Many indoor shopping centers open their doors to “mall walkers” before the stores open.
Winter Wellness and Medicare
Winter wellness is important in maintaining a healthy lifestyle through the holidays and into spring. However, it’s important to focus on your wellness year around. Medicare Advantage plans have additional benefits and coverage that can help you become the healthiest version of you!
Many plans offer hearing, dental, and vision coverage. Plus, some even offer fitness classes like through SilverSneakers®! If you’re interested in hearing more about these additional benefits or have any questions regarding your Medicare coverage, call us at 844-431-1832 or fill out this form to get in contact with a licensed agent.
This post was originally published on December 11, 2018, and updated on November 22, 2019.
5 Daily Posture Exercises for Seniors
According to Harvard Medical School, America has a posture problem. It may be from looking at your smartphone or sitting on your couch for long periods of time. No matter what the cause is, poor posture affects people of all ages.
Why is good posture so important? As we age, poor posture can lead to back pain, spinal dysfunction, and joint degeneration. Luckily, you may be able to curb some of that damage by practicing good habits and doing these five daily posture exercises for seniors.
How to Improve Posture With Posture Exercises for Seniors
It doesn’t matter when you do these exercises, whether it’s when you first wake up, after you eat lunch, or right before you go to bed. The important thing is that you’re consistent and you do them every day.
1. Spine Extensions
Spine extensions help correct poor posture by putting the spine in a neutral position with the shoulders and chin back. This exercise helps with chest flexibility, which improves breathing and lung function.
To do the exercise,sit with your arms at your sides. Then, sit as tall as you can while inhaling slowly. After that, exhale and relax. Repeat spine extensions 10 times.
2. Wall Tilts
Wall tilts help with lower back posture.
First, stand with your back against a wall. Your feet should be shoulder-width apart with your knees unlocked. Then, place one hand behind your back. Flatten your lower back to place pressure on your hand. Relax, and repeat the exercise 10 times.
3. Arm Raises
Arm raises help improve your rib flexibility to help you breathe easier. By doing the exercise, you increase your ability to lift your ribcage and return your shoulders to the proper position as you breathe.
To perform the exercise, sit or stand with your arms at your side with a neutral spine. Then raise your elbows so that they’re parallel to the floor. As you raise your arms, you should bring your shoulder blades together and slowly inhale. Do 10 arm raise repetitions.
4. Shoulder Blade Squeezes
Shoulder blade squeezes help you keep your spine in a comfortable neutral position. The exercise helps correct poor posture by putting your shoulders below your ears.
Start the exercise by standing with your arms at your sides. Find a neutral position for your spine and pelvis. Then bring your shoulders back and squeeze your shoulder blades together. Relax, and return to your starting position. Repeat the exercise 10 times.
5. Shoulder Circles
Shoulder circles help improve your shoulder and rib cage flexibility. The exercise helps bring your spine into a straight, neutral position.
To do the exercise, sit in a chair with your back straight. Then, slowly raise your shoulders as if you were trying to touch your ears with them. Then lower your shoulders. Do 10 repetitions of shoulder circles.
Good Posture Habits and Posture Correction Reminders
As much as possible, you should practice good posture whether you’re standing, sitting, or lying down.
Good Posture Habits While Lying Down
Try to sleep on your back or side to put less pressure on your spine. Sleeping on your back may be helpful for some people with sleep apnea.
Sleeping on your stomach keeps your head turned to one direction, which can cause neck pain. It also extends your neck backward, which compresses your spine. That can constrict your blood flow and compress your nerves.
Correct Posture While Sitting
Sit with your feet flat on the floor and sit back in the chair. Sit with your chest up and your spine in a neutral position. To find the right posture, try shifting your hips forward and backward until you find a comfortable position.
How to Stand With Good Posture
Stand with your feet shoulder-width apart with your knees unlocked and your arms relaxed at your sides. Then tilt your pelvis forward until you reach a comfortable position Then alternate between arching (stretching backward) and rounding (stretching forward) until you find a comfortable “middle ground.” Then, bring your chin forward until your position feels natural. Your head should feel balanced on your shoulders.
A note about texting and using your tablet: you place a lot of pressure on your neck by looking down at your devices. Try holding your phone or tablet up a bit higher to keep correct posture.
Other Ways to Improve Posture
Along with doing the five daily posture exercises for seniors listed above, you can also look into physical therapy or chiropractic care.
Another great way to improve your posture is yoga, which has many other health and fitness benefits as well. Plus, certain Medicare Advantage plans cover fitness programs that include yoga classes just for seniors!
Get Medicare Coverage
At Medicare Plan Finder, our goal is to help you find health insurance that meets all of your medical needs. Certain Medicare Advantage plans can help cover fitness programs, chiropractic care, physical therapy, and even yoga! If you want to learn more, one of our highly trained, licensed agents may be able to help. To set up a no-cost, no-obligation appointment, call us at 1-844-431-1832 or contact us here today.
OTC Essentials You Need in Your Medicine Cabinet
Millions of people use over-the-counter (OTC) products to help ease back pain, fight the common cold, and reduce fevers every day. Many healthcare providers trust OTC medications as a first treatment option for some conditions.
Most people think of medications such as pain relievers and cold medicines when they think of OTC essentials, but they may not think of items such as pill splitters and sunscreen. All of the above can be considered essential OTC items that you should keep in your medicine cabinet at all times.
Remember to speak to your doctor about possible side effects, and keep in mind that not all of these products will work for every person.
What OTC Essentials Should Go in My Medicine Cabinet?
OTC Essentials | Medicare Plan Finder
Stock your medicine cabinet with products that can help treat a variety of ailments. You should be able to reach into your medicine cabinet and find something to relieve your symptoms rather than have to run to the pharmacy every time you have an ache or pain.
Always check with your doctor or pharmacist before buying an OTC product. Certain products may interact with your current prescription drugs, and you could end up harming yourself.
Pain Relievers and Fever Reducers
Pain relievers are among the most-purchased OTC products. They can help lower your body temperature if you have a fever and reduce inflammation.
Aspirin: This effective pain reliever and fever reducer has been popular for over a century. Aspirin is a non-steroidal anti-inflammatory drug (NSAID). Some people may find that it irritates their stomach, so many doctors recommend that you take it with food. Even though aspirin is a great addition to your medicine cabinet, it can interfere with blood clotting. If you take blood thinners or you’re about to have surgery, you should avoid aspirin.
Acetaminophen (Tylenol): This pain reliever works differently than NSAIDs. Acetaminophen does not affect inflammation. If you want or need to avoid aspirin, acetaminophen may be a better choice. Ask your doctor how much to take because you can damage your liver if your dosage is too high. Many cold and cough medicines also contain acetaminophen, so if you’re in doubt, check in with your doctor or pharmacist.
Ibuprofen (Advil and Motrin) or Naproxen Sodium (Aleve): These pain relievers are also NSAIDs. They are great for reducing inflammation-related pains such as headaches, arthritis-related joint pain, and muscle pains. Some doctors even prescribe these NSAIDs as post-surgery painkillers. These drugs can also help reduce fevers, making them an important addition to any medicine cabinet.
Cold and Cough Medicine
Colds and coughs are among the most common winter weather illnesses, and they’re highly contagious. If you stock your medicine cabinet with effective cold and cough medicine, you not only help yourself, but you help everyone around you.
Decongestants: These medicines are OTC essentials that can help you breathe easier. Pseudoephedrine (Sudafed) or phenylephrine (Dristan Cold Multi-Symptom and Rynatan) can help clear your airways while your immune system fights off your cold. Note that federal law limits how much pseudoephedrine you can buy per month.
Cough Medicine: You need different cough medicines depending on your type of cough. A dry, hacking cough is best suppressed with dextromethorphan. Robitussin Maximum Strength Cough and Pertussin both contain this cough suppressant.
If you have a mucusy cough, use an expectorant such as guaifenesin to loosen secretions. Brand name products that have guaifenesin include Robitussin PE and Benylin Expectorant Formula.
Rx Discount Card | Medicare Plan Finder
Allergy Medicines
OTC Essentials | Medicare Plan Finder
These medications are great to have on hand during your allergy season, whether it be spring, summer or fall. If you have allergies, many OTC products can help relieve the most common allergy symptoms.
Antihistamines: Diphenhydramine (in Benadryl), chlorpheniramine (in Chlor-Trimeton), and clemastine (in Tavist Allergy 12 Hour Relief) all help relieve sneezing and runny noses. Be cautious with these medications because they all can cause sleepiness. If you need to be alert, look for products with loratadine such as Claritin, because they are not sedating.
Eyedrops: Drops that contain an antihistamine and a decongestant, such as Naphcon A and Opcon-A, can help soothe watery and itchy eyes.
Digestive Aids
Pink Bismuth: You can relieve a multitude of digestive issues such as nausea, indigestion, and diarrhea with pink bismuth (Pepto Bismol).
Calcium carbonate tablets: Tums and Rolaids can both relieve heartburn, which is when stomach acid backs up and irritates your throat. They work by temporarily neutralizing stomach acid. As a bonus, they provide supplemental calcium, which may be deficient in many people’s diets.
Maalox or Mylanta: Are heartburn relief products that may be longer-lasting than calcium carbonate tablets.
Fiber-Based Products for Constipation: OTC essentials such as Metamucil can help treat constipation. Your body is much less likely to become dependent on fiber-based products than laxatives such as Miralax. If you do use laxatives, be sure to only use them on rare occasions.
Topical Products for Your Skin
These items can help make your life easier, safer, or both. You can purchase them at any major drug store.
First Aid Supplies: Your medicine cabinet should include bandages, gauze, and medical tape. These items will keep dirt, dust, and debris from hindering your body’s ability to heal minor cuts and scrapes.
Pill Splitter: Sometimes you need to cut OTC or prescription drugs in half, and a pill splitter is an easy-to-use tool that can help. Whether your pill is too big for you to take or your doctor recommends splitting your dose, your pill splitter will be a welcomed addition to your medicine cabinet.
Pill Organizer: It can be difficult to remember when to take your pills, or if you’ve already taken them. A pill organizer is a handy tool that can separate your pills by when you should take them. Pill organizers usually have different compartments labeled with each day of the week. This makes it easy to know when to take your prescriptions, especially if you’re supposed to take them on a specific day of the week, or every other day, for example.
Textured Bath Mat: Many slips, trips, and falls happen in the bathroom every year. It’s understandable: the floors can be slippery. Use a bath mat with a textured grip to help you get a secure footing and reduce your chance of injury.
Medicine Cabinet Checklist
Use this medicine cabinet checklist as an inventory starting point when stocking essential OTC items. The checklist should only be a guide. Always ask your doctor before you purchase any new OTC medications.
Medicine Cabinet Checklist | Medicare Plan Finder
Where to Purchase Over-the-Counter Essentials
You can find many of the over-the-counter essentials for your medicine cabinet at the following stores?
Many of the stores listed above have a mail-order feature so you don’t have to leave your house when you need OTC products. You may be able to find your favorite OTC items at the following online pharmacies*:
*This is not a complete list of online pharmacies.
A Medicare Advantage Plan With OTC Coverage Can Help Pay for Your OTC Essentials
If you’re eligible for Medicare, you may wonder, “Does Medicare cover OTC drugs?” Original Medicare does not cover OTC drugs. However, certain private insurance plans called Medicare Advantage (MA) plans can offer OTC coverage. Some MA plans offer other additional services such as vision, dental, hearing, and even fitness classes!
A licensed agent with Medicare Plan Finder can help find the right MA plan for your budget and lifestyle. Call 844-431-1832 or contact us here to learn more.
Contact Us | Medicare Plan Finder
This post was originally published on July 26, 2019, and updated on November 19, 2019.
The Ultimate Guide to Medicare Coverage for Arthritis
Arthritis is an inflammation of the joints. The condition can affect one or more joints, and it can cause pain and stiffness. According to the Centers for Disease Control and Prevention (CDC), approximately 54.4 million adults 18 and older have diagnosed arthritis, and the “prevalence of arthritis increases with age.”
Some types of arthritis may be preventable and the symptoms may be manageable. Medicare may cover different treatments and services for arthritis.
Common Types of Arthritis
There are more than 100 types of arthritis, but the most common types are:
Rheumatoid arthritis is an autoimmune condition in which the immune system attacks your joints and organs. Rheumatoid arthritis has no known cause. According to the Mayo Clinic, your primary care provider may refer you to a rheumatologist if you have the following symptoms:
Tender, warm, and/or swollen joints
Stiff joints that are worse in the morning or periods of inactivity
Inflammation tests such as erythrocyte sedimentation rate (ESR)
Rheumatoid Factor (RF) tests to look for antibodies that indicate rheumatoid arthritis
Imaging tests such as X-Ray, MRI, and Ultrasound to examine joints
Medicare Coverage for Rheumatoid Arthritis
Original Medicare helps cover doctor-recommended diagnostic testing for RA, doctor’s appointments, and some doctor-administered drugs such as disease-modifying antirheumatic drugs (DMARDs). Other covered treatments can include physical therapy, over-the-counter (OTC) drugs such as ibuprofen, and corticosteroids (inflammation relief drugs) such as prednisone. In rare circumstances, your doctor may recommend surgery.
Original Medicare does not cover prescription drugs that you take at home, but Medicare Part D or certain Medicare Advantage plans might.
Medicare Advantage plans are private insurance plans that can cover benefits Original Medicare does not such as meal delivery, OTC drugs, and non-emergency medical transportation.
Osteoarthritis
According to the National Institute of Arthritis and Musculoskeletal and Skin Diseases (NIAMS), osteoarthritis is the most common type of arthritis. The disease causes damage to a joint’s protective cartilage, which wears down over time. Osteoarthritis can affect any joint, but it most commonly occurs in the hands, knees, hips, and spine.
Joint stress caused by repetitive physical activity (sports, active jobs, etc.)
Osteoarthritis can have the following symptoms:
Joint stiffness, especially after sitting for long periods of time
Swelling or tenderness in one or more joints
The feeling of bone on bone, or a “crunching” feeling
Osteoarthritis Treatment and Medicare Coverage
Treatment for osteoarthritis includes over-the-counter drugs such as Tylenol and ibuprofen. Prescription-drug treatment can include antidepressants such as Cymbalta, which can ease arthritis-related pain if OTC drugs don’t work. Medicare Part D and certain Medicare Advantage (MA) plans can cover prescription drugs, and some MA plans may cover OTC drugs.
Non-medication treatments can include physical therapy, occupational therapy, and if the condition becomes severe, surgery such as osteotomy and joint replacement.
Psoriatic Arthritis
Psoriatic arthritis is an autoimmune condition like rheumatoid arthritis. Like rheumatoid arthritis, psoriatic arthritis can cause joint stiffness and pain. According to the Arthritis Foundation, about 30 percent of people who have the skin condition psoriasis also get psoriatic arthritis.
Symptoms of psoriatic arthritis include:
Joint pain and stiffness
Tendon or ligament pain
Rashes or changes to fingernails and toenails
Fatigue
Limited range of motion
Vision problems
Psoriatic arthritis is also linked with irritable bowel syndrome (IBS), Crohn’s disease, and other digestive issues such as diarrhea.
Medicare Coverage for Psoriatic Arthritis
Psoriatic arthritis treatment includes prescription drugs such as DMARDs and corticosteroid injections, and topical treatments such as calcipotriene. Over-the-counter treatments include topical treatments such as salicylic acid gel and NSAIDs.
Fibromyalgia is a condition that causes chronic pain, fatigue, memory problems, and changes in mood. It is not one disease, but a collection of manageable symptoms. The cause is unknown. Symptoms include:
Pain: The most common fibromyalgia symptom is widespread pain in the joints, bones, and muscles.
Fatigue: Many people with fibromyalgia experience exhaustion, flu-like fatigue, and/or disturbances to sleep.
Problems with concentration and mood: Depression is a common symptom of fibromyalgia, along with difficulty concentrating or performing simple mental tasks. Stressful times often exacerbate these symptoms.
Headaches: People with fibromyalgia often experience tension headaches and/or migraines.
Fibromyalgia Treatment
Treatment for fibromyalgia does not cure the condition, but it helps manage symptoms.
According to the Arthritis Foundation, “There are currently three FDA-approved medications for fibromyalgia –– pregabalin, duloxetine and milnacipran.” Some Medicare Part D and Medicare Advantage plans may cover those drugs.
Other treatments can include exercise, acupuncture, and biofeedback, which teaches people how to change physiological functions such as slowing a rapid heart rate.
Gout
According to the Arthritis Foundation, “Gout is a form of inflammatory arthritis that develops in some people who have high levels of uric acid in the blood.” Gout usually starts in the big toe or a joint in the lower body. Gout usually starts after an illness, injury, or infection, and it affects one joint at a time.
Gout Treatment
According to the Arthritis Foundation, gout treatment includes medication and “lifestyle changes.”
Prescription drugs to treat pain and inflammation include colchicine and corticosteroid injections. Drugs to reduce uric acid include Zyloprim and Uloric. OTC medications include NSAIDs.
If you have a gout flare-up, you should take anti-inflammatory medication, ice and elevate the joint, stay hydrated (but not with sugary soda), relax, and ask for help to perform daily tasks.
Get Medicare Coverage for Arthritis Today
If you need help getting Medicare coverage for arthritis, an agent with Medicare Plan Finder can help. Our agents can help determine your budget, lifestyle, and medical needs, and search for a plan in your area that suits you. To set up a no-cost, no-obligation appointment with a licensed agent, call 1-844-431-1832 or contact us here today.
Yoga for Seniors and Medicare Eligibles
Yoga for seniors and Medicare eligibles is an effective way to improve your mental and physical wellness. When some people think of yoga, they may picture complex poses with intricate twists. That image of an unattainable exercise may make the ancient practice seem intimidating.
However, yoga doesn’t have to be intimidating or unattainable. Yoga has many health benefits, and it can even be included in certain Medicare plans.
Health Benefits of Yoga for Seniors
Yoga combines physical movements, breathing, and meditation into one exercise. If you struggle with joint pain, balance issues, body stiffness, sleep issues, stress, or anxiety, yoga may be able to help! The health benefits of yoga for seniors and Medicare eligibles are as follows:
Balance and Stability
As you age, your risk of falling increases. Yoga focuses on slow and measured movements and the strengthening of your muscles. These exercises can help keep you upright and strong to avoid tripping or falling. Your focus, strength, and body alignment can all improve with yoga and increase your balance and stability.
Flexibility
At any age, stretching is important. Simple tasks, like tying your shoes, can quickly become difficult without proper daily stretching. Yoga allows you to increase your flexibility through each exercise.
Breathing
Respiratory limitations can be developed when our oxygen level begins to deplete. Studies have shown that after twelve weeks of yoga, many seniors and Medicare eligibles have seen significant respiratory improvement. Plus, the deep breathing exercises that encompass basic yoga sequences and poses can improve overall lung function in a low-impact environment.
Stress and Anxiety
Yoga for seniors and Medicare beneficiaries can help reduce stress and promotes mental clarity. Yoga is so much more than just “stretching.” It is a practice that requires both the mind and body. Meditation and relaxation are heavily incorporated. These exercises can help you be more mindful and aware of the present moment in time.
Yoga for Obese Seniors
According to the Mayo Clinic, yoga may be a “useful addition to an overall weight-loss plan.” You may not burn as many calories with yoga as you do with aerobic exercise, but it can help improve your self-esteem and overall mood.
Obesity can put excess stress on your joints, and yoga may be a safe form of exercise that may not cause additional pain.
If you want to do yoga, it may be a great addition to a comprehensive fitness program that includes aerobic activity such as cycling or walking.
Beginning Yoga for Seniors and Medicare Eligibles
Yoga doesn’t have to be intimidating. There are gentle yoga poses for seniors and Medicare eligibles and some poses incorporate chairs to help aid any balance or stability issues.
Gentle Yoga Poses for Seniors and Medicare Eligibles
Simple yoga for seniors and Medicare eligibles is generally low-impact and great for beginners. There are numerous gentle yoga poses for seniors and Medicare eligibles that are available, but the most popular are as follows:
Seated Forward Bend: Sit on the floor and keep your legs straight in front of you. Inhale and lean forward as far as you can. To avoid potential injuries, never force or push your body. This pose can calm the brain and help relieve stress. It stretches the spine, shoulders, and hamstrings and stimulates your liver and kidneys.
Legs Up The Wall: Find a sturdy wall and bring your tailbone as close as possible and raise your legs. Stay in this position for 10-15 minutes and focus on your breathing. This pose reduces gravity on your body and helps calm the nervous system.
Easy Pose: This yoga pose has been depicted as far as 2,000 years ago. Keep your back straight and cross your legs. This pose is great for meditation and breathing exercises. This pose comes naturally to children, but as you age, it may become more difficult. With practice, you can open your hips and help your spine return to proper alignment.
Corpse Pose: Lie flat on your back with your feet spread shoulder-width apart. Have your palms facing upwards. This pose is usually done at the end of your yoga practice and is more than just laying down. It relaxes your whole body and can release any stress, fatigue, or tension you may have.
Gentle Yoga Poses for Seniors and Medicare Eligibles | Medicare Plan Finder
Chair Yoga Poses for Seniors and Medicare Eligibles
If the balancing aspect of yoga intimidates you – good news, a chair can help! Many yoga poses can be modified to incorporate a chair. There are still significant benefits to this type of yoga, and it is very popular among people who have balancing issues. The following are chair yoga poses for seniors and Medicare eligibles:
Forward Fold: Sit in a chair and bend forward. When you inhale, raise your arms over your head and reach as far as possible. This yoga pose stretches your hips, hamstrings, and calves. This pose calms the brain and relieves stress. Plus, it stimulates your livers and kidneys and improves digestion.
Spinal Twist: When you are sitting on a chair, reach back as far as you can and twist your torso. It’s important to keep a good posture while twisting. This can lengthen, relax, and align your spine. Plus, it stretches your entire upper body. This can prevent your spine from becoming stiff and can help you maintain a normal spinal rotation.
Pigeon: The normal Pigeon pose can be quite difficult for seniors to do, so a chair can help tremendously! Sit up straight in your chair and keep your feet shoulder-width apart. Bring your right or left leg onto the other knee. Push the knee downward, and if possible, pull your foot up slightly. Repeat this 3-5 times and then switch to the other leg. Pigeon pose helps open your hip joints and helps lengthen your hip flexors. It can also help prevent or relieve sciatica pain.
Cat and Cow: Keep your feet flat on the floor and keep your back straight. When you inhale, arch your spine and roll your shoulders back. When you exhale, arch your spine the other way and drop your chin to your chest. This is great for breathing exercises. This stretches the lungs and chest, which makes breathing easier. This also stretches the hips, back, and abdomen.
Chest Expansion: Sit as straight as possible and reach your hands to the back of your chair. Lift your chest and take a deep breath. Do this for 3-5 breaths and then repeat. This strengthens your hand, arm, shoulder, and back muscles.
Chair Yoga for Seniors | Medicare Plan Finder
For more yoga poses for seniors, check out this video “Yoga for Seniors” by Yoga With Adriene:
Does Medicare Cover Yoga?
Original Medicare does not cover yoga or any other fitness classes. However, certain private insurance plans called Medicare Advantage cover the same benefits as Original Medicare (Part A and B) and can cover additional benefits such as vision, dental, and hearing coverage along with coverage for fitness classes.
These plans are growing in popularity. According to the Henry J Kaiser Family Foundation, enrollment has tripled to 19 million beneficiaries since 2003.
SilverSneakers ® Yoga Classes
Medicare SilverSneakers® is a fitness benefit found in many Medicare Advantage plans. SilverSneakers® hosts fitness programs for seniors that focus on general fitness, strength, flexibility, and walking ability for seniors and Medicare eligibles just like you. Medicare SilverSneakers® fitness events can also help seniors find new friends who also want to pursue an active lifestyle.
SilverSneakers® yoga classes provide a unique opportunity for seniors and Medicare eligibles to practice yoga in a judgment-free, inclusive group. These classes often incorporate chair yoga poses for seniors and Medicare eligibles.
More than 65% of leading Medicare Advantage plans include Medicare SilverSneakers.® This is generally provided at no cost.
Plus, there are over 11,000 locations across the US that offer SilverSneakers® yoga classes. Once you are enrolled in a Medicare Advantage plan that includes SilverSneakers® yoga, you will have access to any participating facility.
How to Find SilverSneakers ® Yoga Classes Near You
The SilverSneakers® website has a location finder so you can find participating gyms with classes near you. To get started, click here. You’ll come to the SilverSneakers® homepage, which looks like this. Click on the magnifying glass with the word “Locations” under it.
How to Find SilverSneakers ® Yoga Near You Step 1 | Medicare Plan Finder
That will lead you to the location finder tool. Enter your zip code in the search bar as shown in red. We chose 37209, which is the zip code for our corporate offices in Nashville, TN. Then click the carrot shown in green. After you do that, select SilverSneakers® as shown in blue. The final part of this step is clicking the magnifying glass shown in yellow.
How to Find SilverSneakers Yoga Near You Step 2 | Medicare Plan Finder
The next page lists the SilverSneakers® partners in your area. Clicking the listed gym names will show you the amenities at each location. We only clicked on the first location for demonstration purposes.
How to Find SilverSneakers ® Yoga Near You Step 3| Medicare Plan Finder
Here, you can see that the Gordon Jewish Community Center offers SilverSneakers® yoga classes in red. Use the contact information shown in blue to learn how to get started.
How to Find SilverSneakers Yoga Near You Step 4| Medicare Plan Finder
Enroll in Medicare Advantage
If SilverSneakers® yoga is something you’re interested in, then you should consider enrolling in a Medicare Advantage plan.
If you interested in enrolling in the best MA plan for your needs and budget, fill out this form or call us at 844-431-1832 to speak with a licensed agent. These appointments are no-cost to you and obligation-free. Our licensed agents can answer any questions you may have, and best of all, make sure you get SilverSneakers® yoga.
This post was originally published on October 25, 2018, by Kelsey Davis and was updated on November 18, 2019, by Troy Frink.
