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Enriching your life; informing your health. Life insurance, and other topics.


How Seniors Can Stay Healthy While Traveling: Part 2
How Seniors Can Stay Healthy While Traveling: Part 2

Ready for your big trip? Traveling is a wonderful way to enrich your mind and body, as long as you take measures to stay healthy. In this part of our travel wellness series, we will outline tips to prioritize wellness during your travels. Once you and your travel partner go over your health insurance policieshealth concerns and other needs you read in Part 1, you are ready to set off.

Part 2: During Your Travels
These tips can help you stay healthy while you are enjoying your trip.

Take Time to Rest
While traveling, it can be tempting to be on the go all of the time - but that is how you can wear yourself down. It's important that you enjoy the essential health benefits of getting enough rest. Then you can feel ready to enjoy the next activity.

Eat Balanced Meals
You likely want to enjoy all of the local cuisine that you can, but be sure this involves some fruits and vegetables. According to the American Heart Association, the general recommendation for this is consuming at least 4-5 servings of fruit and 4-5 servings of vegetables every day.  (http://www.heart.org/HEARTORG/HealthyLiving/HealthyEating/HealthyDietGoals/Suggested-Servings-from-Each-Food-Group_UCM_318186_Article.jsp#)

Catch Enough Z's
Sleep is always important, but it can be tricky to get restorative sleep while you travel. Do what you need to do to make your accommodations comfortable. This way, you can have an escape from the hustle and bustle of the day.

Move Your Body
Walk as much as you can during your trip. This is not only a great way to see a new place, but will also help you sneak in some exercise. By moving your legs, you will maintain your circulation and respiratory health.

Stay Hydrated
Carry a bottle of water at all times to keep yourself hydrated, especially if you are traveling in a hot climate. This can help you feel better.

Wash Your Hands
Not all countries prioritize sanitation in the same way, but find opportunities to wash your hands often. You may also consider carrying a bottle of hand sanitizer with you.

Remember: Talk to your insurance provider about insurance options and how your plan will function internationally. With this preparation, you can have a vacation full of wellness and joy.


Get Moving: An Older Adult's Guide To Exercise, Part 1
Get Moving: An Older Adult's Guide To Exercise, Part 1

Movement and exercise are key to a happy mind and healthy body, especially for older adults. In addition to maintaining heart health, a fitness routine can help circulation, mental health, lung health, bone density, muscle mass, and many other factors.

Even if you know the benefits of staying active, it can be difficult to get started. This two-part series will explore how to find the right fitness routine for you and how to safely exercise as an older adult.

Finding The Right Fitness Routine For You
Every body is different, and this means not everyone will benefit from the same types of exercises. Whether you are just getting started or are trying to get back into working out, there are ways to find both motivation and exercises that you enjoy.

How can I find motivation to exercise?
One of the best ways to find motivation to get moving is to find a fitness class or routine that you love. Whether walking through the park with a friend, attending yoga classes, or swimming laps, find what makes you happy and stick with it. And when you are dragging your feet, remember how wonderful you will feel after.

What are some exercise options?
The following are some suggestions of types of fitness exercises that could work for older adults:

  • Swimming
  • Indoor and outdoor cycling
  • Yoga
  • Group fitness classes
  • Low-impact weight lifting
  • Cardio and aerobics
  • Hiking

If you are not sure which fitness is best for you, work with your doctor and a trainer to find your ideal program.

How can I plan for specific health concerns?
The best part about personal fitness is that it lives up to its name. It's totally personal. If you have a specific health condition, you don't need to let it hold you back. You just need to learn to work around it. Talk to your doctor about modifying your fitness routine to accommodate for your condition.

Quality health insurance policies and preventative care measures can help older adults live vibrant lives for many years to come. In the next part of this series, we will explore ways to make your workouts as safe as possible.


Get Moving: An Older Adult's Guide To Exercise, Part 2
Get Moving: An Older Adult's Guide To Exercise, Part 2

Once you find a few exercises that you love, you can take control of your health. Your commitment to a healthy lifestyle will help you live a life as vibrant as you are.

Now that you have committed to your fitness routine, it's important to learn how to exercise safely. In the second part of this two-part series, we will explore some simple ways to protect your body while you enjoy your fitness routine of choice.

Staying Safe While Exercising
For people of all ages, knowing your limits is the key to safe exercise. Many injuries happen when people overexert themselves or use improper form. Fortunately, there are ways to learn about your body and know how to exercise without injury.

How can I learn to exercise in a healthy way?
There are several ways that you can learn more about exercise and how to protect yourself.

  • Work with a personal trainer
    A few sessions with a personal trainer can help you learn specific exercises the right way. This professional will help you determine which muscles you need to strengthen and find ways to safely reach your goals.
  • Strengthen your muscles
    As you improve your muscle tone, you will be able to better support your body. This can help with back pain as well as various strains.
  • Learn when to stop
    Again, know your limits. If you feel lightheaded, dizzy, or are in pain, it's time to take a break or stop exercising and rest.

By taking these steps, you can form an exercise routine that both protects and strengthens your muscles and bones.

What if I get injured?
If you think you injured yourself during exercise, it's important to stop your fitness routine and see a doctor. Exercising with an injury can be harmful and can cause further damage. Your medical professional can diagnose your injury and create a rehabilitation plan. This will get you back to your regimen as soon as possible.

A healthy lifestyle and preventative health services, including exercise, can help prevent or control these illnesses and help you live a fuller life.


How You Can Stay Healthy While Traveling: Part 1
How You Can Stay Healthy While Traveling: Part 1

Travel is a fulfilling addition to a vibrant life, especially during retirement. It can be a wonderful time to experience all of your adventurous dreams. Whether you are hiking in Peru or sipping cappuccinos in Italy, you will return home with rich memories and a broader perspective.

To get the most out of this experience, it's important to take steps to take care of yourself while you are trekking around the world. Through a combination of preventative health services and healthy habits, you can help keep yourself well during your travels. This two-part series will provide tips for prioritizing your health while traveling.

Part 1: Before Your Trip
Prior to departure, take the following steps to prepare for a healthy lifestyle while traveling.

Visit Your Doctor
Make an appointment with your doctor a month or so before your trip to notify them of your travels. Depending on your destination, you might need certain vaccinations or medications.

Plan with Your Travel Partner
Whether traveling with a friend, partner, or family member, it's important to know each other's health concerns. If you have any allergies or specific health conditions, make sure that your travel buddy is aware. If you plan to travel with a tour group, make sure the company knows, as well.

Pack a Basic First Aid Kit
Either purchase a small first aid kit or make your own. This will keep you prepared during minor medical situations. Your doctor might have specific suggestions for what to put in there.

Have an Emergency Plan
It is important to be prepared. When you book your accommodations, locate the nearest medical clinic or hospital.

Remember Your Medications
In the frenzy of packing, it's easy to forget your medication bottles. Pack ahead of time and make a checklist so nothing falls through the cracks. In addition, certain medications need to be kept on your person or carry-on luggage whenever traveling, so talk to your physician about any special measures you need to take. Unfortunately, this is a common mistake that many travelers make.

By taking advantage of preventative health services and planning ahead, you can set yourself up for a healthy trip. In the next part of this series, you will find tips on how to stay healthy during your trip. Bon voyage!

Remember: Talk to your insurance provider about insurance options and how your plan will function internationally. With this preparation, you can have a vacation full of wellness and joy.

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Diabetes and Medicare Deep Dive: Part 2
Diabetes and Medicare Deep Dive: Part 2

Diabetes is a serious and pervasive disease in the United States. With around 9% of the population suffering from this disease, it is among one of the most common chronic diseases faced in our country -- especially among the elderly. According to National Diabetes Statistics Report, 2017, the percentage of adults 65 and older living with diabetes has increased to 25.2% (U.S. Centers for Disease Control and Prevention, National Diabetes Statistics Report, 2017).

In this three-part series, we are taking a closer look at this disease and its effects on Americans. In this second installment, we will be examining the way that diabetes affects the elderly, especially those on Medicare.

Diabetes Prevention and Medicare

The increased emphasis on offering preventative health services through Medicare has meant that there are now more resources available to help those who are at risk of developing diabetes. Medicare beneficiaries can now be diagnosed and receive medical advice that may help prevent the disease from fully developing.

Diabetes and Original Medicare

When it comes to diabetes care, Medicare Part B is probably the most relevant portion of what is traditionally considered Original Medicare (Part A and Part B). Part B covers many important outpatient services, medication, and supplies for diabetes care. Some (but not all) examples of what is included:

·         Blood Glucose Strips

·         Lancet devices

·         Glucose Control Solutions

·         Insulin Pumps and Pump Supplies

·         Obesity Screening

·         Glaucoma

While Original Medicare does cover a wide range of diabetes medical treatments, you will be required to pay a monthly premium. You will still be responsible for a deductible on many of your medical expenses. Typically, that deductible will be 20% of the Medicare-approved cost. Medicare Supplement insurance may cover those gaps in which Original Medicare does not cover.

Diabetes and Medicare Part D

Part D is an important plan to consider if you suffer from diabetes. That is because Part D allows you to choose a prescription drug program. While Original Medicare generally only covers insulin that is used in a pump, Part D allows you more flexibility. In addition, you could have more access to other drugs that can be helpful in combating diabetes.

Medicare Part D will cost an additional premium and requires a copay or deductible depending on the specific plan you choose. Additionally, you will need to pay attention to the coverage gap. This temporarily increases the copay on prescriptions after a certain amount has been spent (this “amount” is not enough to qualify for emergency coverage, though).

Medicare may be very beneficial for people with diabetes. Still, you will need to carefully weigh the benefits of different Medicare plans to find what is right for you.

In the third portion of this series we will examine the way that diabetes can affect life insurance.