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Now have Medicare and need to manage your Diabetes?

Now have Medicare and need to manage your Diabetes?

Now have Medicare and need to manage your Diabetes? Here is a helpful start.

In 2017 Medicare covered 58 million Americans, and to a lot of us, it can seem like a complicated labyrinth.  For those over 65 years of age, it is essential health coverage administered by the United States government.  It’s a daunting task to understand it right away, but here is some information to mitigate the steep learning curve.

Medicare, being such a massive program, is broken up into four sections.

  • Part A covers hospital stays, nursing facility care, hospices, and health care.
  • Part B covers doctor visits, outpatient care, medical devices, and requires a monthly premium.
  • Part C let’s people enroll in private insurance plans while still receiving benefits from parts A & B.
  • Part D covers prescription drugs.

Part A solely covers care at home and medical facilities, but medicare can cover diabetic supplies such as medication, monitoring equipment, insulin delivery products, and therapeutic aids.  These supplies are usually covered in Parts B & D which also include things like meter strips, lancets, insulin, insulin pumps, and Continuous Glucose Metering devices.

Regular screenings such as the fasting blood glucose test are covered under part B.  Over time, poor blood circulation can cause complications such as foot disease, and as such, foot exams, therapeutic footwear, and shoe inserts all fall under part B of the Medicare program.  Nutrition therapy and training for newly diagnosed diabetics are also covered as to provide guidance for those beginning to deal with or struggling in controlling their Diabetes.

Part D involves outpatient prescription drug benefit, which requires a monthly premium based on your level of income.  Various plans fall under Part D, but it all depends on your individual drug needs (click here to find your plan).

 

Read more here.

Common Health Issues for Seniors Over 65

Common Health Issues for Seniors Over 65

Common Health Issues for Seniors Over 65

With today’s higher life expectancy, 65 years of age can now mean looking forward to a meaningful rest of your life, given that you manage your health closely to avoid health risks associated with older age.  According to the Centers for Disease Control and Prevention (CDC) 41% of people over 65 say their health is great, but for the remaining 59% these health concerns can be a challenge.

The obvious health choices such as keeping a healthy diet, physical activity, avoiding alcohol and tobacco come to mind,  but acute awareness of some of these common chronic illnesses is key.

1. Arthritis

Affects 49.7 percent of all adults over 65 and causes not only joint pain but can lower quality of life by discouraging physical activity. Read more.

2. Heart Disease

The leading killer of adults over age 65, and responsible for almost half a million deaths in 2014.  Chronic heart disease affects 37% of men and 26% of women 65 and older. Read more.

3. Cancer

The second leading cause of death among adults over age 65, with 413,885 deaths in 2014, according to the CDC. If caught early, many types of cancer are treatable. Read more.

4. Respiratory Diseases

Third most common cause of death among people 65 and older, with 124,693 deaths in 2014, according to the CDC.  Increases vulnerability to infections while reducing quality of life. Read more.

5. Alzheimer’s Disease

Responsible  for 92,604 deaths of people over age 65 in 2014.  Impacts issues from self-care safety to the cost of professional care, either at home or at a residential facility. Read more.

6. Osteoporosis

Estimates put 54 million Americans over age of 50 affected by low bone mass or osteoporosis. This raises risk for a fracture or break that could lead to poor senior health and reduced quality of life. Read more.

7. Diabetes

Affects 25 percent of people ages 65 and older. It has caused 54,161 deaths among adults over age 65 in 2014. Can be diagnosed and addressed early with simple blood tests for blood sugar levels. Read more.

8. Influenza and Pneumonia

Although not chronic conditions, these infections are among the top eight causes of death in people over age 65.  Seniors are more vulnerable to these diseases and less able to fight them off. Read more.

9. Obesity

As body weight increases, so does the risk for disease. Adults between 65 and 74, 36.2 percent of men and 40.7 percent of women are obese. Read more.

10. Shingles

Chicken pox can come back as shingles in your adult life.  One in three people over 60 will get shingles, and 50 percent of all Americans will experience it before they’re 80. Read more.

More Boomers want to keep working

More Boomers want to keep working

More Boomers want to keep working

It’s about more than money

At age 70,  businessman, author and speaker George Fraser is not retired and he has no intention of retiring…ever! Fraser is one of a growing number of aging Baby Boomers who are continuing to work well into traditional retirement age.

Robert Levinson is another example. He’s 89 years old and recently finished his fifth book, Management Savvy. He says, “I live in a retirement community. Three-fourths of the guys I’ve asked said, “I retired too early, and I’m sorry I did.”

According to USA Today, in 1991 the Employee Benefits Research Institute said 11 percent of workers expected to retire later than age 65. That number was 33 percent last year. And 10 percent didn’t plan to retire at all.

Larry Rosenthal, president of Rosenthal Wealth Management Group in Manassas, Va., says making the choice to retire or continue working is turning into a lifestyle choice. At age 60, some people say they can’t stand the pressure and they’re tired of working. They are not fully funded for retirement but want out of a high-stress job.

One employer asked a pre-retiree to stay on as a part-time contract employee and he’s loving that.

Levinson contends that there’s far too much emphasis placed on the financial aspect of retiring. More emphasis needs to be on the psychological aspect. At the same time, only 27 percent of workers say  they expect to be able to retire at age 65.

One financial advisor knows his clients are working because they want to. But the future expense for health care is a huge unknown for everyone. The costs are difficult to anticipate and most folks are wisely being cautious.

George Fraser has another view. “I’m 70. The average black man lives to 72.  I’m not wasting a minute of time doing what I don’t enjoy doing. If I’m lucky, I’ll live until I’m 80.”

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