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What is Medicare, what can it do for me and why is it so complicated?

(Short answer to the last part: because the Government runs it!)

For most people, Medicare with a good supplement can take care of the healthy senior. For folks with a more complicated medical history or looking at long term care for you or your family we recommend you enlist the help of a professional to navigate the Medicare Maze.

You may be eligible for more Medicare benefits, paid co-pays or assistance with the cost of your medication. Click on the button below to find out:

More Medicare Benefits?

Medicare is a health insurance program for:
  • people age 65 or older,
  • people under age 65 with certain disabilities, and
  • people of all ages with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a kidney transplant).

Medicare has:

Part A Hospital Insurance - Most people don't pay a premium for Part A because they or a spouse already paid for it through their payroll taxes while working. Medicare Part A (Hospital Insurance) helps cover inpatient care in hospitals, including critical access hospitals, and skilled nursing facilities (not custodial or long-term care). It also helps cover hospice care and some home health care. Beneficiaries must meet certain conditions to get these benefits.

Part B Medical Insurance
- Most people pay a monthly premium for Part B. Medicare Part B (Medical Insurance) helps cover doctors' services and outpatient care. It also covers some other medical services that Part A doesn't cover, such as some of the services of physical and occupational therapists, and some home health care. Part B helps pay for these covered services and supplies when they are medically necessary.

Prescription Drug Coverage - Most people will pay a monthly premium for this coverage. Starting January 1, 2006, new Medicare prescription drug coverage will be available to everyone with Medicare. Everyone with Medicare can get this coverage that may help lower prescription drug costs and help protect against higher costs in the future. Medicare Prescription Drug Coverage is insurance. Private companies provide the coverage. Beneficiaries choose the drug plan and pay a monthly premium. Like other insurance, if a beneficiary decides not to enroll in a drug plan when they are first eligible, they may pay a penalty if they choose to join later.

Read More:

US Department of Health & Human Services/ Medicare
 

In The News
Feeling tired all the time?  You’re not alone.  In fact, fatigue is one of the most common complaints that bring adults to doctors’ offices. Numerous studies indicate that people who see their doctor about fatigue have generally experienced it for a considerable length of time — anywhere from six months to several years!

Fatigue can be due to numerous causes, such as medical conditions like congestive heart failure, hypothyroidism or diabetes. It can also be a result of sleep disturbances brought on by menopause, or by physical changes that accompany aging. But while fatigue may be an inescapable part of life, there’s no need to take it lying down. Your body is geared toward generating energy as well as expending it. And there are numerous strategies to help regain the physical and mental energy needed to enjoy life to its fullest.

Eat for energy

The tried-and-true advice for healthful eating also applies to keeping your energy level high:

• Eat a balanced diet that includes a variety of carbohydrates, proteins, and fats with an emphasis on vegetables, whole grains, and healthy oils. Taking a daily multivitamin will ensure that you get the vitamins and minerals you need, but taking extra amounts of individual nutrients won’t give you more energy.

• Eating certain types of foods in particular amounts can help prevent fatigue. Because different kinds of foods are converted to energy at different rates, some — such as candy and other simple sugars — can give you a quick lift, while others — such as whole grains and healthy unsaturated fats — supply the reserves you’ll need to draw on throughout the day.

• Eat small, frequent meals. Where energy is the issue, it’s better to eat small meals and snacks every few hours than three large meals a day. This approach can reduce your perception of fatigue because your brain, which has very few energy reserves of its own, needs a steady supply.

Reduce stress

The most common cause of persistent fatigue is stress and the emotional response to it. People who feel fatigued most of the time don’t necessarily have more stress in their lives than other people, but they may be more sensitive to its effects. Stress-induced emotions consume huge amounts of energy. Relaxation therapy can be an effective tool for reducing stress and naturally boosting your energy, particularly when used in combination with cognitive behavioral therapy. Meditation, self-hypnosis, yoga, and tai chi are all relaxation techniques. One of the easiest techniques to use is progressive muscle relaxation, which involves systematically tightening and releasing sets of muscles, beginning with your toes and progressing up your legs, torso, hands, and arms. You might also consider other relaxation therapies, including aromatherapy and massage.

No matter what age you are, there are things that you can do to feel more energetic. Harvard Health Publications’ Boosting Your Energy report will help you take the first steps toward discovering the causes of your fatigue. This Special Health Report provides you with the latest information about fatigue and offers strategies to help you regain your physical and mental energy. The report discusses medical conditions that may be the cause of your fatigue as well as ways to naturally boost your energy.

Reprinted from Boosting Your Energy — A Special Health Report from Harvard Medical School, Copyright © 2007 by the President and Fellows of Harvard College. All rights reserved.

 
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Last Modified : 12/11/07 02:59 PM