Maintaining a healthy lifestyle is important from the time you first learn to feed yourself until your last years on earth. No matter what your financial situation may be, where you're living, or how big your family is, you will always need to focus on your health.
As you grow older, however, your health becomes the single most important aspect of your entire life, and you should treat it as such. Not only do you need to do everything you can to maintain a happy and healthy lifestyle, but you need quality health insurance policies and life insurance policies as well.
Here are some tips to maintain that happy lifestyle well into your old age.
It is recommended that you consume at least one and a half to two servings of fruit a day and two to two and a half cups of vegetables every day. If you want to live a strong and healthy life in your elderly years, you're going to have to get serious about your diet. Not only do you need to eat a healthy dosage of good foods, but you also need to completely cut out unhealthy foods from your diet. Just because you eat the recommended amounts of fruits and veggies doesn't mean you're allowed to stuff your face with cake, candy, and fast food all day. Develop a healthy and realistic diet and stick to it, no matter what, because your health depends on it.
Get Rid of All Your Bad Habits
If you're still smoking, it's time to stop. You know how dangerous it is and even this late in life, if you fully quit smoking, you'll feel more energized than ever and much healthier. In addition to quitting smoking, try your hardest to change any other unhealthy habit that you've developed over the last few years. If you spend all day sitting on the couch in front of the TV, consider getting outside a bit more.
Get Plenty of Sleep
Your body needs to regenerate each night and getting enough sleep is essential in doing so. If you really want to stay healthy, you have to do everything together. You can't just exercise, sleep right, and eat right but still smoke a pack a day. You have to get a decent amount of rest each night, stop smoking and doing all your bad habits, and eat right every single day to ensure a happy and healthy lifestyle.
It's so easy to let the feelings of laziness overcome you as you grow older. You have to give yourself a fighting chance to have a happy and healthy life for as long as you possibly can. Don't think for a second that just because you're not as young as you used to be that you can't improve your health. Talk to a professional and determine and individualized diet that you'll be able to stick to, put an end to all your unhealthy habits, and get plenty of sleep. You're going to need all that rest, too -- you have a lot of life left to live.
Health insurance and life insurance are essential aspects of life. A common misconception around the elderly population is that once a person grows older, they no longer have any responsibilities. That is simply not true. Although an elderly person might not have as many responsibilities as they did when they were in their 40s and 50s, they still have plenty of major responsibilities, they are just different responsibilities.
Living a healthy lifestyle, for instance, becomes the most important aspect of life as you grow older. Obviously, living a healthy lifestyle is important for people of all ages, but younger people can bounce back a little bit more easily compared to their elderly counterparts. Wholly 84% of the population of people 65 years and older die from heart disease.
In addition to focusing on living the most healthy lifestyle possible, another important responsibility you have to consider is what health insurance policies you're dealing with.
"Medicare is a great program but understanding options and choices is definitely not simple," said Jesse Slome, director of the American Association for Medicare Supplement Insurance (AAMSI). "Comparing options, plans, and some of the free perks insurers now include to benefit seniors can help reduce costs, secure care choices, and even offer no-cost bonuses.
Medicare supplemental insurance is becoming a popular option for seniors who are considering health and life insurance policies. In 2013, 39.7 million Americans were enrolled in Medicare. By 2015, that number reached over 55.7 million and experts predict that there could be 81 million enrollees by 2030.
According to Yahoo Finance, every single day in the U.S., 10,000 people turn 65, which is why it's so important for the elderly to start planning their insurance coverage policies as early as possible.
"Choosing the right Medicare insurance coverage at the beginning can be the most important financial and healthcare decision made before or during retirement," added Slome.
Just because you've reached your old age, doesn't mean you don't have a future to look forward to and plan. It's time to start taking your health insurance seriously and begin planning for the most important aspects of your future. If you want to learn more about Medicare supplemental insurance, contact Bankers Fidelity today.
If you're a senior, it's important to have comprehensive medical insurance coverage. But with so many options available to you, it's hard to know if you're making the right choice. Since around 10,000 Americans over the age of 65 enroll in Medicare for the first time every single day, it's important to be armed with accurate information about these plans. Otherwise, you could be stuck with an expensive plan that doesn't cover what you really need.
For many folks, Medicare supplement insurance is a must. Also referred to as Medigap insurance, there are several Medicare supplement insurance options available to you. But whether you go with an original Medicare plan or choose to work with a supplement insurance company in addition to your base policy, there are certain mistakes you need to avoid making. Here are just three of them:
Not understanding the differences between plans
If you're new to Medicare, grasping the differences between certain types of plans can be a challenge. But original Medicare is quite a bit different from a Medicare Advantage plan. With an original Medicare plan, you'll be signing up for a fee-for-service type of policy. Some seniors will cover the gaps in this type of plan with a Medicare Advantage or Medicare supplement insurance plan. Original Medicare plans will allow you to visit any doctor who takes this type of insurance, but a Medicare Advantage plan will typically let you visit only a certain network of doctors. The Medicare website is a very helpful source in dissecting the differences between the plans available to you.
Picking a random plan out of frustration
Granted, picking a medical insurance plan can be overwhelming. But the last thing you want to do is choose a plan at random just to get the process over with. Make sure you give yourself enough time to really compare plans and choose one that makes the most sense for your needs. If you're too hasty in choosing a plan (or choose one just based on cost), you'll likely end up paying more and won't have the coverage you really need. To reduce stress, start the process early and ask for assistance if you need it.
Assuming you're covered
Medicare plans may cover a lot of services, but they may not cover exactly what your specific circumstances require. The majority of original Medicare plans won't cover dental or vision, and long-term care and assisted living expenses aren't usually covered either. To fill in the gaps, most people find it worthwhile to get a Medicare supplement insurance plan, which can be particularly helpful for copayments and deductibles. Be sure to do your research and know exactly what your plan covers (and what it doesn't). Otherwise, you may be stuck with medical bills that are higher than they need to be.
If you're a senior or soon-to-be senior in need of supplemental Medicare insurance plans, Bankers Fidelity is here to help. We can help you choose a supplement plan that works for your financial and wellness needs. For more information, contact us today.
Grandparents.com, via Huffington Post
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Neither Bankers Fidelity Life Insurance Company® nor its Medicare Supplement policies are affiliated with or endorsed by the U.S. Government, the federal Medicare program, or the Centers for Medicare and Medicaid Services. This is a solicitation of Medicare Supplement insurance and an independent agent may call on you. The Medicare Supplement products issued by the Company are insurance policies. Policy form series B 21092 is issued by Bankers Fidelity Life Insurance Company®, Atlanta, GA; policy form series B 21492 is issued by Bankers Fidelity Assurance CompanyTM, Atlanta, GA. Limitations and exclusions apply; actual policy provisions control. Rates subject to change on a class basis. Individually underwritten; application to determine eligibility required.
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