Cost of Medicare supplemental insurance plans for seniors
Cost of Medicare supplemental insurance plans for seniors

The cost of Medicare supplemental insurance plans for senior citizens depends on what each is looking for whether supplemental health insurance plans for seniors or Medicare supplement plans. Although they are very similar in terminology, they are both very different.

Supplemental health plans designed specifically for the needs of seniors are known as senior supplements. Dental, life insurance, and vision are some of the products included in the supplementary health insurance. These plans are not at all related to Medicare are sold by other private health insurance companies. An individual can purchase them at any time.

Medicare supplemental plans are related to Medicare with each plan letter offering a different benefit that comes along with a different premium amount. Expenses left out by original Medicare coverage is what Medicare supplemental plans take care of. Medigap plans, however, do not include dental, vision or any other supplemental health insurance benefits.

Getting to the cost supplemental health insurance for seniors depends on the health insurance company, the type of plan and benefit level that each opts for. These amounts vary with each person but to get a rough idea seniors can purchase plans between the ranges listed below.

  • Dental – $21 to $43
  • Vision – $10 to $18
  • Fixed Indemnity – $27 to $ 427

The cost of Medigap or Medicare insurance is generally more complicated to find as health insurance companies price Medigap based on three ways. These may either be community-rated where premiums aren’t rated based on age; issue-age rated where the age when you purchase the policy will dictate the monthly premium that you pay; attained-age rated where premiums directly increase with your age. Each Medigap plan’s cost varies with each health insurance company. The cost of these programs may range anywhere between $75 to $425. But before you jump to any conclusions and settle down with a Medicare plan, make sure that you compare benefits offered by other programs as well, as you can only never tell what would be the best for you.

  • 3 primary things to keep in mind when buying dining chairs

    The dining room forms an integral part of your home, as it is an area your family comes together to eat and spend quality time together. So it becomes a priority to decorate the dining area in such a manner, that it looks comforting and inviting. Choosing the right dining chairs and table is the first on the list of things to be done.

    New ways to decorate your home
    Modern chic and artsy abstract are themes that are increasingly becoming popular for homes. Having different sets of furniture designs is a fresh interior decorating style in the past few years. Keeping this in mind, your dining chairs and table need not belong to the same set. Though the theme of your home remains the same, there is scope to mix and match for adding a personal touch to your dining room.

    Make the right choice
    Choosing a table may not be that difficult and can be done based on the number of family members and the size of the dining area. But they are some essential rules you need to keep in mind when choosing the dining chairs.

    • Theme or color code: Remember the theme you have set for your home. Understanding the color combinations that need to be kept uniform will ensure the dining chairs don’t create any imbalance in the aesthetics of the area.
    • Material: Choose what kind of material you wish the dining chairs to be made of based on factors such as durability. These chairs should not get easily damaged even with repeated use over a period.
    • Comfort: Measure your dining area and table to determine what size of dining chairs, you need to buy. The height of the chairs is vital to ensure your family and guests are able to dine at the table whilst being comfortably seated. Armrests and seat cushioning of the dining chairs would provide additional support for your loved ones.

    Now that you know what you are looking for, finding the right dining chairs should be simple.

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  • 4 luxury car upgrades that are worth the money

    Luxury cars generally have the latest and most advanced safety and comfort features. If your luxury car is a couple of years old, you may want to upgrade it with technologies that are being added to new launches. You do not need to sell your car and buy a new one, but only pay a fee for the modifications. Here are four upgrades that can increase the value of your luxury car.

    Four-zone climate control system
    A climate control system helps maintain a comfortable and pleasant cabin environment. It regulates internal temperature by automatically adjusting the speed and amount of cold or hot air. Unlike a regular climate control system, a four-zone package splits the car’s temperature for each of the four main seats. So, you can individually regulate the climate for the driver and every passenger in the front and back seats. Older luxury cars may have dual-zone climate control, one for the front and the other for the back. If you have an older model of a luxury car with dual-zone climate control, you can upgrade it to the four-zone system. 

    Biometric car entry
    Fingerprint security can protect your vehicle from being driven by unauthorized persons. It is a useful anti-theft feature for luxury cars and can be integrated with your vehicle’s CAN bus data network. Most systems can store about ten fingerprints and will not allow the vehicle to start unless it recognizes at least one of them. You can customize the system to send alerts if there is an attempt to start the vehicle by an unauthorized person. Advanced biometric systems can remain hidden and untraceable by strangers.

    Ceramic brakes
    Most brake pads in the country are made with a combination of rubber and fiberglass, while some automakers use metallic pads. Ceramic pads are made from pottery ceramic that is denser and long-lasting. They do not cause any noise when applying the brakes suddenly, and there is less wear and tear residue. It is best suited for locations that have extreme weather conditions. Many luxury brands use ceramic brake pads. If your car has organic or metallic ones, you can consider upgrading them.

    Touchscreen GPS with geofencing
    The primary function of a vehicle’s GPS is to track its position when moving or parked in a particular place. Since luxury cars are common targets for theft, fixing a GPS tracker can help you find the vehicle if it goes missing. A good GPS also enables you to navigate from one location to another without hassle, which can be helpful in an unfamiliar city. Further, you can set alerts for location and overspeeding if you hire a driver and want to monitor their driving habits. Some GPS systems support geofencing. It allows you to mark a geographical zone for your vehicle. If your car leaves the marked area, you get an alert on your cell phone. This upgrade is necessary if your loved ones are using the luxury car, as you can monitor their movement for safety. 

    Some luxury car makers offer upgrades as a part of customer service. If not, you can reach out to private vendors who are experts in car makeovers. While some upgrades can be costly, they are more affordable than investing in a new luxury car altogether. So, many people prefer this option.

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  • 10 unmissable Black Friday 2022 vacuums deals

    After the long days of spring cleaning are over, your home always deserves TLC for it to look beautiful. This is especially important if you have an active household with kids and pets. That’s where a good quality vacuum cleaner comes in. We have selected some of the top vacuum deals that were available on Black Friday last year. Look out for them this year, and make your house sparkly clean while saving some serious bucks.

    Shark ICZ300UKT

    This is one of the best vacuums to buy this Black Friday. It is a powerful machine that comes with a capacity of 0.6 liters. Moreover, it is cordless and upright, which makes it quite simple and convenient to use, especially for your stairs and upholstery. On Black Friday, this vacuum could be available at just $349.99 instead of the original price of $529.99.

    Hoover Pet Max Complete Vacuum

    Worried about all the pet hair on your furniture and carpets? Not anymore! This vacuum comes with Allergenblock technology that captures almost 97% of pet dander, dust, and even pollen. It comes fitted with a filter that can be rinsed, a pet turbo tool, a crevice tool, and pivoting dusting brush. This Black Friday, you could get this machine at $125 instead of $190.

    Samsung Jet 75 Stick Vacuum

    This cordless stick vacuum is the one to watch out for this Black Friday. This machine comes with 200 air watts of power that gives you almost 60-minutes of battery life. The vacuum is lightweight at 6-pound. This sale season, you could get the vacuum at $319 instead of $499.

    VAX One power Blade 4

    One of the best value-for-money vacuums in the market, the Vax One power Blade 4 is a cordless stick machine. It is a bagless vacuum that is extremely light and easy to move around. It works on all kinds of floors, especially those surfaces that have pet dander. During the Black Friday sales, you could get it at $159 instead of its original price of $259.

    Dyson V15 Detect

    Dyson V15 Detect, one of the most-efficient vacuums for a sparkling and spotless home, is a cordless and bagless vacuum. One of the best features of this machine is its Piezo sensor that tells you exactly where dust particles are collected. The vacuum also has a green laser that illuminates the dust and pollen on hard surfaces.

    Henry HVR160

    A great buy for all those who want to keep their home clean without spending a bomb on a new vacuum cleaner. This machine is surprisingly powerful and can clean for hours, as it gives your house a deep cleaning. Pick the Henry HVR160 while you shop during the Black Friday sale, as it might be available for $439 instead of its original price of $599.

    Hoover H-Free 500 PETS Cordless Vacuum Cleaner

    This vacuum cleaner could be available at a 31% discount this Black Friday. It is a lightweight cleaner that weighs just 2.2 kgs. Its power capacity is great and is pretty flexible. It is especially suitable for suctioning up pet hair off your carpets and cushions.

    Eufy by Anker HomeVac S11 Cordless Vacuum Cleaner

    This lightweight vacuum is perfect for maneuvering into tight corners. It has different settings for different kinds of mess. The vacuum comes with a floor brush, AC charger, metal hose, and mini-motorized brush. This Black Friday, you could save almost 52% on this cleaner.

    Halo Capsule Lightweight Cordless Stick Vacuum Cleaner

    Though it’s a capsule cleaner, it has the capacity and power of a full-size vacuum. It comes with 26 dust pouches and offers powerful cleaning in the smallest nooks and corners of your home. This Black Friday, you could save 40% on it.

    Miele Triflex HX1 Cordless Vacuum Cleaner

    Available at $399 instead of $479, this is perfect for households with pets. It comes in a 3-in-1 design with flexible cleaning options. It is fitted with the award-winning Vortex technology that gives amazing results.

    As much as holidays are fun, cleaning the mess the day after is quite a chore. That’s why you need to review these Black Friday deals on vacuums that were available last year and look for deals this year, too. These would make cleaning a breeze. Just make sure that you consider your budget, home surface, and the size of your home before selecting a vacuum.

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  • Factors to Consider Before Buying a Flat Screen TV

    Tired of fixing the problems of your old television set and want to gift yourself a new flat screen TV set this season? Flat screen television sets have become quite popular these days and a large number of people in the country are replacing their existing televisions with the newer models. New television sets are not just preferred for the better viewing experience, these are also in demand for giving the living room a complete makeover. However, with so many choices available in the market, it will not be very difficult for you to find a piece that suits your home decor theme. Yet, making the selection just based on the designs and looks will not be enough. You need to take note of a few other factors as well.

    Area of your living room
    There are several factors to be taken into account when you are purchasing television sets for your home. One of the most important is the size of the room where it will be installed. The size of the television should be compatible with the area room area. While 32 inches is considered to be a standard size and can be viewed from a distance of 4 feet, 55 inches wide screen televisions should be installed only when the size of your living room is 10 feet or more. TCL S305 series Roku TV (2017) has received excellent reviews among the viewers and you can check certainly opt for it.

    Go for full HD
    When you are purchasing a new television set, it is quite obvious that you will not be interested in getting something that will need replacement in a couple of years. Therefore, you should always search for a full HD television set instead of an HD ready set with 720p. It is always better to go for televisions with 4k resolution. In case, you cannot afford the price of these television sets in your budget, you should at least opt for 1080p models. Purchasing a new television is not a tough job these days, as you can shop it online from Amazon.

    A content source is important
    Picture and sound quality are definitely among the most important features of television sets. However, you should not undermine the content source. Opting for a standard television set is ideal for those who will stream the content from a set-top box. In case, you want to stream the content from a flash drive or any other device, you need to find models, which support all popular formats. Also, it will be ideal for you to get a TV set with HDMI port. When searching for new television sets, you should refrain from falling for televisions, which promises smart features. Not all television sets offer smart technology and for the best deal, it will be ideal for you to read every intricate feature before making the purchase.

    Do not go for cheap deals
    With several new companies manufacturing television sets these days, you can easily find cheap deals on the web. However, if you want to get the best value for your money, you should not rely on the cheap deals. TV sets, which are available at a cheaper price, might not offer you the desired picture quality or sound quality. It might also need frequent repairing. Yet, you can always search for the discount deals that are offered from time to time. Special discounts, which are offered during the holiday seasons or in the year-end can help you in getting high-end models like LG Electronics 65UJ6300 65-Inch 4K Ultra HD Smart LED TV in your budget.

    Whether you are buying a flat screen TV set for the first time or not, it is better for you to avoid confusing yourself with the specification list. Shop in a smart way and check reviews to know the best piece for your home. Also, give importance to the guarantee or warranty features to get the best value for your money.

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  • Overview and specs of the Apple iPhone 12 Pro Max

    Apple has introduced its latest product, the iPhone 12 Pro Max with 5G, and it won’t be a stretch to call it an epitome of innovation. It is powered by a high-quality A14 Bionic chip that enhances your iPhone’s performance and provides you with an experience like never before. With advanced, cutting-edge technology and the newest of wireless standards in your hands, you will be set to create and achieve wonders effortlessly. Sporting a sleek, stainless steel finish, the new iPhone 12 Pro Max is available in four colors; graphite, silver, gold, and pacific blue.

    Key specifications

    • Superfast 5G: The iPhone 12 Pro Max is designed to deliver an enhanced, ultra-fast 5G experience. With high coverage and data speed up to 4GBPS, you can now engage in faster streaming, quicker downloads, and a more realistic gaming experience. It is also equipped with a Smart Data feature that assesses your 5G needs and helps you extend your battery life, and balance your data usage.
    • Ingenious design and display: The all-new iPhone is built using a Ceramic Shield front cover and a stainless steel band + matte glass back to improve the drop performance by 4x.^². It features a large, Super Retina XDR display, enabling you to view the world in high resolution. It can withstand water up to 6 meters for approximately 30 minutes if submerged and can tackle any of your everyday spills.
    • The A14 Bionic chip: Engineered by pushing the boundaries of advanced machine learning, Apple’s iPhone 12 Pro Max consists of an A14 Bionic chip featuring a 16-Core Neural Engine. It conducts up to 11 trillion operations per second, delivering high-quality performance, prolonged battery life, and an enhanced photography and gaming experience.
    • Innovative AR and Camera: The new Apple iPhone 12 Pro Max comes equipped with high-quality lens to provide an enriched photography experience. With great improvements in camera features like Night mode, and Deep Fusion, and the Telephoto camera, you can click the most fascinating photos ever and create HDR, cinema-grade videos using only your iPhone. It also comes with a LiDAR Scanner that allows AR and further camera benefits.
    • The all-new iOS 14: The new iOS 14 has a whole array of features that simply re-defines the entire Apple experience for you. With new and improved transparency and privacy features, redesigned widgets, and the all-new App Library feature, you are more in control of your device.
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  • The most expensive motorhomes and their features

    If you are a travel freak and are on wheels mostly, then you must not think twice before owning a nice motor home. The luxury of having your own vehicle with a bathroom, a kitchen, and all the other amenities is just priceless. It gives a lifetime experience and makes traveling all the more joyful. Some of the motorhomes are even more expensive than an SUV or an average apartment at the beach. It could cost you all your life’s savings to buy one of the luxurious RV motorhomes but it would be worth every penny.

    In the recent years, there has been an increase in the bus-converted luxury RV motorhomes. They initially started with converting buses into mansions on wheels. This can be the most prized possession of a person. This can only be bought if you are ready to shell out millions in order to buy it. Everyone who loves to travel on open roads will indulge in this extravaganza. The most expensive motorhome in the market is worth $3 million. According to a study, it was found that most people who bought RV motorhomes were not only celebrities but also semi-retired people. But one of the ten most expensive RV motorhomes includes Marchi Mobile Elemment Palazzo. It has features of both aviation and sports. The second most expensive vehicle worth 2.5 million dollars is Featherlite Vantare Plantium plus. Other vehicles to make it to the list are 2015 Prevost H3-45 VIP of $1,60,000, 2015 Foretravel IH-45 Luxury Motor Coach also makes it to the list worth 1,300,000 dollars. Other vehicles include 2014 Country Coach Prevost, 2015 Newmar King Aire, 2015 Monaco Dynasty 45 P, UNICAT Amerigo International, Country Coach Magna 630 and 2015 Entegra Coach Cornerstone 45DLQ. All these vehicles start from half a million. Special features like walk in closet, solar panel, dinette booth, touch screen technology, LED ceiling, walk in bathroom, steel constructed cockpit, generators, heaters, different types of floors such as wooden and porcelain and advanced technology is what makes it worth millions. These vehicles are popular in both national and international markets.

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  • 4 signs that reveal the need for vehicle alignment

    Misaligned wheels result in the uneven wear and tear of the wheels. It ends up bringing discomfort when driving and poor fuel efficiency. Alignment coupons seem the best way to deal with the costs of alignment service. It is advisable to contact a reputable vehicle manufacturer who provides you with an efficient alignment service.

    Indications that show your vehicle needs alignment:

    • Uneven tyre wear: Bad alignment of tyres places them at incorrect angles. Even though the difference may be minimal yet they can cause your tyres to wear off unevenly. Check the tyres of your vehicle. If both the tyres look the same, things are fine. However, if one tyre has worn out more than the other one, it’s time to consider alignment.
    • Automobiles pull to either side: If your vehicle pulls to left or right, your vehicle may probably need an alignment. If you find it difficult to steer your vehicle to keep it straight, it’s time to get an alignment. Wheel alignment can be very expensive. Thus, it is advisable if you can get your hands on alignment coupons, this would reduce the cost of repairs dramatically.
    • Tip: If you want to check your vehicle’s alignment, drive it in a straight path and drop the control of the steering for few seconds. If your vehicle has an alignment problem, your vehicle will slightly shift to the left or right. It is imperative that you perform this test in spaces where there is less traffic. Ideal places could be parking lots and obstruction-free spaces.
    • Steering vibration: The misalignment of the steering wheel results in the vibration of the steering wheel. At times the vibration could be less or more based on the intensity of the vehicle misalignment. Irrespective of the intensity of the vibration, it is advisable to rectify the wheel alignment.
    • Crooked steering wheel: While driving along straight roads, if you observe that the steering wheel is crooked it probably the right time to consider an alignment.

    Wheel alignment has several benefits. It enhances the fuel efficiency and prolongs the life duration of the wheels. A firm control over the steering wheel reduces the discomfort faced by the driver during driving. Safety and protection of vehicle and passengers are the biggest benefits. Avail the advantages of alignment coupons to reduce the investments incurred for alignment.

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  • IBS and abdominal pain

    A common digestive problem, irritable bowel syndrome (IBS) can produce distressing symptoms. IBS refers to various intestinal symptoms, which usually occur at the same time. These symptoms can range from mild to severe abdominal pain, bloating, gas, cramps, constipation, and diarrhea.

    If you experience persistent IBS symptoms especially severe bellyache, seek medical attention without delay.

    About IBS Pain
    The bellyache from IBS is not typical. It can be a stabbing pain or cause spasms. The ache can be due to stomach tenderness or can manifest itself in the form of excruciating cramps. The abdominal pain from IBS can come and go or remain present for a long time.

    Pain location and characteristics
    Pain from IBS can occur anywhere in the abdomen region.

    • Pain in the lower abdomen often goes away after a bowel movement.
    • Pain in the upper abdomen region is often accompanied by bloating.
    • Cramps usually originate in the middle abdomen area.

    IBS Pain Management
    Abdominal pain from IBS can occur due to constant diarrhea or constipation. Bloating can make you feel like your abdomen is about to burst open and cause mild to severe ache. Indigestion or other digestive problems can worsen IBS symptoms and any accompanying pain.

    • For managing abdominal pain, it is important to treat other problems that could be causing the IBS symptoms. If you have chronic constipation or diarrhea, treating these problems can also provide relief from any pain.
    • If your IBS is due to food intolerances, eliminating those triggers can help manage any bellyache. For instance, if your body can’t tolerate gluten (a protein found in wheat), removing it from your diet can treat your IBS.
    • If your diet is lacking in fiber and high in fats and spices, it is time to change it. Add fiber-rich foods like whole grains, beans, lentils, vegetables and fruits in your daily diet. Avoid excessive consumption of fried foods. Drink plenty of plain water.
    • Do mild to intense physical activity daily.
    • Reduce stress in your life.

    For persistent IBS pain, consult your doctor for treatment options and prevention tips. Chronic pain and discomfort can be a sign of a serious illness.

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