Medicare Decisions Now!

Are you ready for Medicare?  The minute you turn 65 years old you have to make a decision for Medicare.  What decisions do you have to make?

Some people and companies try to make your decision to start Medicare very complicated.  But, really it is not because Medicare covers 80 % of your medical bills once you turn 65 years old.

You have two decisions to make.  The very first one is to sign up for your Social Security.  You can start getting your social security benefits and your monthly check when you turn 62 years old.  You don’t have to do that if you are still working.  But, in order to be on Medicare (which is your medical benefits ) you have to be at least 65 years old.
Over 64? Click here for Medicare Plans!

The second decision you have to make is to enroll with Medicare.  What you have to understand is being on Medicare there is a cost for those medical benefits and that comes right out  of your social security check before you receive it.

Remember that Medicare will cover 80% of your medical bills.  That is why there is a cost involved.  The cost of your Medicare depends on how much income you made when you were working.  The average cost will be at least $110.00 monthly for each person 65 years old in the family.  So, if it is you and your mate then each would pay the cost of Medicare.  This is called Part B.

When you enroll in Medicare then you will receive your Medicare Card and also your Medicare Handbook every year.  They make it easy on you because they will calculate your individual cost for Medicare every year and you will receive a statement to show your Medicare Benefits that you will receive during the year.

A word of caution,  the Medicare Card that you receive is for one time unless you loose it.  So, take care of it and put it in a safe place.  When I received my Medicare Card I went and got it laminated where they make photo copies.  That will protect it for you through the years.

In the back of your Medicare Handbook you will notice all of the different Medicare Advantage Plans that are also available to you in the state that you live in.

If you remember, I said that Medicare covers 80 % of your medical bills.  Some people just choose to accept what Medicare covers.  They treat it as a catastrophic plan and feel they would rather pay that 20 % out of their own pocket and savings.  This way some feel that they would keep their medical cost way down especially if they are healthy.  When their health starts to change the older they get then that is when they will pick a Medicare Advantage Plan.

Now, when you look in the back of your Medicare Handbook you will notice many different Medicare Advantage Plans.  Pick a few different ones and compare all of their benefits and also the  monthly cost that they will charge you for their plan.  Be careful because some of the plans do not include a Prescription Plan and others do include it.

You will notice the cost of the different plans may fluctuate according to what is included in their plans.  More plans are becoming available that have a zero premium.  That means that they will not charge you a monthly premium for their plan.

But, there are always co-pays for the plan you decide to pick.  The plans that have a zero premium normally have some higher co-pays.  if you don’t want higher co-pays then don’t pick a zero premium Medicare Advantage Plan.

By this time you are probably saying that this seems like it is as clear as mud.  It isn’t to bad for me because I have sold Medicare Supplements in the past and I understand them pretty good.  But, one thing is constant and that is change.  Medicare does make changes almost every year.

There are insurance brokers that can try to make it simpler for you to understand.   Yet, the decision on Medicare is still yours to make.

I am including some online Medicare Information to make to easier for you to make an educated decision.  This is Free and there is No charge for this information.
Over 64? Click here for Medicare Plans!

You will receive Medicare information in the mail before you turn 65 years old.  So, please for your benefit check out this information on Medicare and Medicare Advantage Plans.


By doing your homework now, you will be able to make proper                 Medicare Decisions when the time comes!

Thank you,







Guardian Go Bags!

Guardian Go Bags, do you have yours?

When you think of insurance for you, one thing that should come into your mind is your Guardian Go Bag!

This may be one of the best insurance policies that you could have.  In the light of all the natural disasters and tragedies worldwide you owe it to yourself and your family to buy one today.

About two weeks before I wrote this blog there was Hurricane Harvey that devastated Houston, Texas and the surrounding areas,  also parts of Louisiana where flooded badly.  At this writing there were at least 60 deaths and estimated well over 75 billion dollars in damage.

There are over 30,000 people that will need temporary shelter because of losing everything but the clothes on their backs.  Sometimes we don’t worry about these disasters until it touches home.  We might say it could never happen to me where we live.

A very good friend of one of my sons , lost their house and their two cars.  They were sent to temporary housing and do not actually know where they are staying.

I cannot imagine how devastating this would be.  As a matter of fact, I like many of you have put off buying a Go Bag until now.  I purchased one this week.  If you have one, you are to be commended for planning ahead.

But, it is not to late to order a Guardian Go Bag.  As the expression goes, it is better late than never.

As I am writing this blog there are horrible fires in the western part of the USA.  Also, another hurricane, Hurricane Irma is in the Caribbean going forwards Puerto Rico and Cuba.  Hurricane Irma according to the weather channel should hit the Florida Coast in a few days.

The Florida Keys and the Miami Area are in the direct path of Hurricane Irma.  Then from there going up the coast.  Irma right now is a Category 5 Hurricane with winds up to 185 MPH.  It is the strongest hurricane that has ever been in the Atlantic Ocean until now.

I am not trying to scare anybody just to forewarn and be prepared for what may come your way.

When you stop and think of all the so called natural disasters worldwide it should make us really concerned and want to be ready at a moments notice to leave and have preparedness to take care of our families.

There are not only hurricanes but also, tornados, earthquakes, fires and tsunami’s in different parts of the world.  That is why I decided to write this blog and encouraging everybody to plan ahead and purchase a Go Bag.

If nothing else, at least check them out from Amazon because they have the best prices that I have seen and shipping is included.

Good Health to you,


Department Of Aging Benefits!

We will compare Medicare Supplement Insurance.

Every state in the USA and I am sure most countries have Benefits for The Aging!  The question they all want is know is,  When Can I Get Medicare?

The Department of Aging benefits is over and above Social Security and Medicare  but is normally designed for Seniors with infirmities and disabilities. The Aging Program helps to provide needs for ones who cannot take care of themselves in different areas of their life.
To keep residents in their homes for as long as possible, residents who are 60 years of age or older may be eligible for in home services including but not limited to:
•Adult Day Care
•Home-Delivered Meals
•Personal Assistance and Care Services
•Home Modifications
•Care Management
•Home Health Care
•Respite (break from caregiving)

Has anybody had any experience with The Aging in your area?

The World’s Older Population is continuing to grow at an unprecedented rate. Today, 8.5 percent of people worldwide (617 million) are aged 65 and over. At this rate it is projected to jump to nearly 17 percent of the world’s population by 2050 (1.6 billion).

I won’t have to worry about this in the year 2050 but, many of you youngsters will be oldsters by than.

You will want to know, “ When Can I Start Medicare?”

This is something to think about, Kids!


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The History of Healthcare!

There are so many problems with the Healthcare today, I thought it would be good to look at some of healthcare history.

In 1883 one of the first healthcare systems was in Germany. Many other countries including Britain and France had healthcare programs by 1912. Most of these healthcare programs were formed by the workers themselves.

Between the 1800’s and 1912 in the USA the government took no action to subsidize the healthcare. Hmm, seems like today!

It is interesting during the time that Theodore Roosevelt was President of the US, the years 1901 to 1909, he felt that No Country could to strong if their people were sick.

In 1912 they had a health conference in which they decided to have healthcare insurance for all individuals who made less than $1,200.00 annually. This also included their dependents. It included doctors, hospitals and even maternity benefits.

By 1945 to 1953, Truman became President. Healthcare became a major concern for the government. President Truman wanted a National Healthcare System. He had opposition from the Congress because they didn’t want national healthcare. In 1946, the Republicans took control of Congress and they had no interest in starting National Health Insurance. Isn’t it something how history repeats itself?

After WWII, from the 1950’s to 1960’s, the Unions became very prominent in providing healthcare benefits to their workers and families.

In 1958, Medicare for seniors on Social Security was proposed but it wasn’t until

1965 that President Johnson signed it as law along with Medicaid.

In recent years since then we have had Obama Care and now Trump Care.

In The Future What Kind Of Healthcare?



Today July 7th in Medicine!

I have enjoyed the Sherlock Holmes series and also the movies about him.
This Day in 1852 was the birthday of Sherlock Holmes’ sidekick, Dr. Watson
Dr. John H. Watson is his proper name.
The man that was noted for writing these stories was Conan Doyle was born in Scotland in 1859 and he studied medicine at the University of Edinburgh. One of his professors he studied under had extraordinary deductive powers and this inspired him in the character Sherlock Holmes.

On this Day in 1942 during World War II Heinrich Himmler who was the architect of Hitler’s extermination of the Jews and also many Jehovah’s Witnesses began medical experiments on prisoners at Auschwitz.
He used physicians to experiment on women in the Auschwitz concentration camps and to extend this investigation on males.
These experiments would take the form of sterilization by using large doses of radiation injections. They also decided using X rays to see how they would castrate men and used this on male prisoners. Adolf Hitler was the mastermind behind all this and he endorsed this plan on the condition that it remained top secret. He was a very sick individual!

I wanted to include this information on Dementia because my father-in-law is suffering from this disease at the age of 90. This information is about Dementia trends in England and Wales. It is estimated that there would be a dramatic increase in the number of people with dementia by 2040.
Because the most prominent risk factor for dementia is aging, the urgent need to address the public health challenges of dementia is heightened worldwide. In 2015, nearly 47 million people around the world had dementia. If age and sex specific prevalence of dementia stays constant over time, there will be 130 million cases by 2050.

I was watching 60 minutes about a month ago and they had a group of people in Ecuador, South America that had early dementia that started in their 40’s. The doctors went back in their ancestry all the way to the 1800’s. When checking they found out that over 60% of their family line end up with Early Dementia.
The dementia is caused by a deformed gene. Whoever has that deformed gene will get early demenia in their 40’s. What the doctors decided whether right or wrong is that when testing all the individuals in that family if they had the deformed gene they would not tell them.

Would you want to know? I know that I would so that you could make an educated decision on whether to get married and or to even have children. Because I wouldn’t want to pass the possibility of having the deformed gene on to my children.
This is alot to think about.

Thank you,

Today July 6th. in Medicine!

July 6, 1885: French microbiologist Louis Pasteur successfully gave the first anti-rabies vaccination to nine-year-old Joseph Meister. The young boy was bit by a dog that had rabies. Louis Pasteur first tested his vaccines on dogs. He also invented many vaccines for different infectious diseases.

I had to list this medicine even though it was not invented on July the 6st. It was invented on March 6, 1899 : This medicine has been classed as possibly the greatest product in medicine of all time. A German pharmaceutical company by the name of Bayer evented the Aspirin.

The month of July in general is note worthy in Medicine

Alois Alzheimers in July 1917 through all of his research in psychiatry and neuropathy he was credited with the disease that was named after him. His second wife had many of the symptoms of the disease. When she died he was allowed to due research of her brain which led to future discoveries in the Alzheimer Disease.

Clara Barton became the founder and the first President of the American Red Cross.

Thomas Edison had over 1200 patents. One of his workers a man by the name Clarence Madison Dally was responsible for inventing the X-Ray. He made an x-ray of his own wife’s hand and it even showed her wedding ring. Edison was astounded and did other research in 1896 using many chemicals to make sharper images. Edison and Dally continued their research together. Dally become the first person to get radiation poisoning and he died in 1904.



This Day July 5th, in Medical History!

This first one was on the 4th of July and I thought it was interesting.

7/04/1854 there was a Romanian physician, bacteriologist Victor Babeș born. He was best known for his work with bacteria and he had a great influence on infectious diseases. He also studied tuberculosis, rabies, and leprosy.

7/05/1780 there was a French physician François Carlo Antommarchi born. He was famously known for being Napoleon’s physician from 1818 to 1821, and he came to the conclusion that his death was because of stomach cancer.

7/05/1860 there was a French physician Mathieu Jaboulay born. He was best known for his first attempts at performing kidney transplants in humans suffering from chronic kidney failure. To do this he used kidneys from goats and pigs.

7/05/1862 there was an American-British bacteriologist George Nuttall born. He was best known for his investigations between mosquitoes and what is now known as malaria.

Let us try to be healthy.


Disability Insurance

Disability is an impairment that may be cognitive, developmental, intellectual, mental, physical, sensory, or some combination of these.  It substantially affects a person’s life activities and may be present from birth or occur during a person’s lifetime.

Amazon is a good place where you can buy Disability Products that will aid you.

An impairment is a problem in body function or structure; an activity limitation is a difficulty encountered by an individual in executing a task or action; while a participation restriction is a problem experienced by an individual in involvement in life situations

Do you need a Social Security Disability Case Review?

According to the Social Security Administration (SSA)
They have a physical or mental condition that prevents them from engaging in any "substantial gainful activity" ("SGA"), and the condition is expected to last at least 12 months or result in death,
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Medicare FAQ’s

What Is Medicare?  Medicare Donut Hole?

Compare Medicare supplement insurance?
Verify Medicare eligibility?
Medicare supplemental plan when can you get Medicare?
Best Medicare supplement insurance?
Best Medicare supplement plans?
Find Medicare plan?

When Can You Get Medicare?  Compare Medicare Supplement Insurance?  Medicare Sign Up?  Medicare Application Form?   Medicare Enrollment Form?

 In the United States, Medicare is a single-payer, national social insurance program administered by the US federal government since 1966, currently using about 30–50 private insurance companies across the United States under contract for administration.

For your information Amazon is a great one stop shop for Medicare Products and information that you need and will benefit you.

United States Medicare is funded by a payroll tax, premiums and surtaxes from beneficiaries, and general revenue.  It provides health insurance for Americans aged 65 and older who have worked and paid into the system through the payroll tax.  It also provides health insurance to younger people with some disabilities status as determined by the Social Security Administration, as well as people with end stage renal disease and amyotrophic lateral sclerosis.

Over 64? Click here for Medicare Plans!

Continue reading “Medicare FAQ’s”