Welcome to the Medicare Plan Finder Healthy Living Challenge. As you age, it can become easier and easier to form unhealthy habits. We’re here to help you break those habits and live your best life!
In this 28 day health challenge, you can turn your life around and start a new healthy lifestyle. Making healthy choices should not be one-time decisions. Start by making small changes (like following this calendar), then look for other ways to live healthier.
28-Day Healthy Living Challenge | Calendar | MedicarePlanFinder.com
Set your health goals
Cut out a bad habit
Invest in a reusable water bottle
Join a gym or create a workout space in your home
Eat a healthy breakfast
Pick an inspiring book to read
Develop a healthy eating shopping list
Try a new healthy recipe
Invest in a multivitamin
Schedule your annual wellness visit
Go for a walk
Try something new
Practice good posture
Get screened for genetic health conditions
Work on your morning routine
Get out of the house
Start journaling to reduce stress
Drink only water
Practice deep breathing and meditation
Start cutting out caffeine
Splurge on a spa day or massage
Read the labels on the food in your pantry
Declutter and deep clean your home
Brush your teeth for a full two minutes, and make it a habit
Wash your hands for a full 20 seconds, and make it a habit
Spend time outside, but don’t forget the sunscreen
Schedule your regular dental and vision appointments
Reflect on the Healthy Living Challenge and assess your health goal progress
Day One: Set Realistic Health Goals
Start the Healthy Living Challenge by talking to your doctor or taking the time to sit and think about your health. What can you improve on? What needs to change? Think about your weight, your diet, your blood test results, your daily habits, etc.
Remember that to start a new healthy lifestyle is to do more than eat your vegetables and exercise – you also have to keep a rounded diet, exercise safely, engage in social activities, reduce stress, drink plenty of water, and more. Set goals like getting your cholesterol back to a healthy level, losing a few pounds, or drinking eight glasses of water per day.
S.M.A.R.T stands for Specific, Measurable, Attainable, Relevant, and Timely.
Day Two: Cut out a bad Habit
On the second day, think about your daily routine, and cut out a bad habit. It can take a full 28 days to break a habit, so it’s a good idea to think about this early.
The habit could be anything from sitting on the couch for too long to overworking yourself. Or, it could be something like eating too much sugar or staying up too late.
Cutting out your bad habit can be one of your S.M.A.R.T health goals. Take day two of this Healthy Living Challenge to really focus in on that one bad habit and think about how you can put an end to it.
Everyone’s water needs can be different, so be sure to check with your doctor before taking our medical advice. The amount of water you need each day can depend on your individual healthcare needs.
Day Four: Join a gym or Create a Home Exercise Space
Creating a home exercise space can be as simple as buying a yoga mat and a few ten-pound weights, or as complicated as investing in equipment such as a treadmill. Alternatively, join a gym! If you have a Medicare Advantage or Medicare Supplement plan, you may be eligible for a Medicare fitness program, such as SilverSneakers® or Silver and Fit®.
Day Five: Cook a Healthy Breakfast
Too many of us eat unhealthy breakfasts or skip the meal altogether. It’s easy to eat unhealthy, especially in the morning, when you’re tired and rushing to get on with your day. However, sometimes preparing a healthy meal is just as easy as pouring a bowl of sugary cereal.
Consider focusing on superfoods in the morning, like a handful of blueberries coupled with a kale and tomato omelet. Or, start by making small changes like reaching for less sugary cereals in the grocery aisle and replacing your white bread toast with whole wheat.
Day Six: Pick an Inspiring Book to Read
Sometimes all that you need to take charge and start a new healthy lifestyle is a motivating book. We found the following healthy aging books available on Amazon:
Build a grocery list that you can take with you every time you visit the grocery store. This grocery list can help you stay on track and prevent you from grabbing unnecessary items like sugary desserts. Add items like 2% milk instead of whole milk, lean chicken breasts instead of fatty steaks, and wheat bread instead of white bread.
Click to download the list that we’ve started for you. Use the blank spaces to fill in the other items that you need.
Day Eight: Try a new Healthy Recipe
Now that you have a start to your grocery list, take a look at some healthy recipes that you can make with your healthy ingredients (you may need to add a few items to your list). We found these cookbooks on Amazon:
If you’ve had a blood test recently, talk to your doctor about your results and find out if you lack any crucial vitamins. Then, ask your doctor if you should be taking any supplements or multivitamins. You can usually get multivitamins over the counter at any pharmacy or grocery store. Taking a multivitamin is an easy positive step you can take towards better health.
Day Ten: Schedule Your Annual Wellness Visit
Have you been attending your annual wellness visits with your doctor? Medicare covers an annual wellness visit for all beneficiaries. This visit is your chance to ask your doctor about any possible health concerns you have, and to request tests and screenings for various illnesses that you’re worried about. Remember, it’s always best to get ahead of your health and start healing before your symptoms worsen.
Day Eleven: Go for a Walk
Getting your daily exercise does not necessarily have to mean an intense cardio workout. Especially as you’re getting older, you have to be careful about over-exerting yourself and getting hurt. Today, go for a walk around your neighborhood or at a local park. Even a one-mile leisurely walk can lift your spirits and boost your metabolism. Consider taking your grandkids to the park for even more fun!
Day 11: Go for a walk!
Day Twelve: Try Something new!
Trying something new, no matter what it is, can positively alter your mood and motivate you to make the most of your days. While there is certainly value in having a daily routine, think about new things that you’ve always wanted to try. It can be a physical, mental, emotional, or social task! Consider trying yoga for the first time, taking yourself out to a new restaurant, or taking a painting class.
Day Thirteen: Practice Good Posture Today
You could be hurting your back every day without even knowing it. Pay extra attention today to the way you sit, stand, and bend over to pick things up. Practice always bending with your knees instead of your whole back, and practice straightening your shoulders as you sit and stand.
If you notice pain or discomfort, consider visiting a chiropractor. Medicare covers spinal manipulation when necessary, and some Medicare Advantage plans may cover other chiropractic services.
Day Fourteen: Get Screened for Genetic Health Conditions
If you didn’t already talk to your doctor about this, think about getting some genetic tests for familial health conditions. About one in every three people develop some form of cancer, and some of those cases are hereditary. The best way to beat cancer is to stop it before it develops and spreads.
A genetic test is the first step in determining whether or not you might need to prepare. The new myPath melanoma test is a popular one that your Medicare plan may cover.
Day Fifteen: Work on your Morning Routine
While it may seem small, your morning routine can impact your entire day. If you’re someone who has “bad” morning habits like sleeping in too late or skipping breakfast, use today to come up with a plan to adjust your routine and develop healthy habits. Try things like starting a morning workout regimen or opening the blinds before you go to bed so that the sun gets you out of bed earlier.
Day 15: Work on Your Morning Routine
Day Sixteen: Get out of the House Today – Go Shopping or see a Friend
A lot of adults can get into the habit of getting home from work and sitting on the couch for hours. Retired adults sometimes go a full day or longer without even leaving the house!
If that sounds like you, make an extra effort today to leave your house and do something. Your effort can be as small as going to the grocery store and running errands, or as large as spending all day with a friend. Figure out what works for you and make it happen today.
Day Seventeen: Start Journaling to Reduce Stress
If you’ve been feeling stressed or depressed lately, one great way to lift your spirits is to start journaling regularly. If you don’t have one, buy a journal or a notebook today and jot down notes about how you’re feeling, why you’re feeling that way, and what you’re going to do to try to fix it. Some people find happiness in just writing about what they did throughout the day!
If journaling is not helping or if you have a more serious mental health issue, please know that you CAN get the care you need. If you have Medicare, many of your treatments and appointments may be covered.
If this is an emergency, please call the Suicide Prevention Hotline at 1-800-273-8255.
Day 17: Start journaling
Day Eighteen: Drink Only Water Today
Did you buy that water bottle on day three? Today, focus not only on drinking at least eight glasses of water but also not drinking anything else. That means no juices, no alcoholic beverages, no coffee – none of it.
If you’re worried about cutting out caffeine, you may be surprised to find that the effects of drinking all that water can eliminate your caffeine withdrawal. Sticking to only water can also help you lose weight, reduce your appetite, and even increase your focus.
Day Nineteen: Practice Deep Breathing and Meditation
In this crazy world, it’s easy to get caught up in the stressful moments and forget to sit back and breathe. Spend some time today sitting and reflecting. Turn off your phone and the TV, find a comfortable place in your home, and allow yourself to reflect on whatever is stressing you out.
Practice deep breathing exercises and meditation. If you don’t care for yourself emotionally, you run the risk of your health declining physically.
Day Twenty: Start Cutting out Caffeine
Whether coffee, tea, soda, or something else is your caffeinated guilty pleasure, it might be time to cut back. Coffee and tea are healthy in small doses, but too much can lead to anxiety, insomnia, digestive problems, and high blood pressure.
If you drink more than one cup of a caffeinated beverage per day, or even if you only drink one but want to cut back, make today your first step. Drink one cup instead of two, or switch to decaf in the afternoon.
You may have learned from day 13 that posture is incredibly important, and you might not even realize that you hurt your posture. Use day 21 of this Healthy Living Challenge as an excuse to treat yourself to a nice massage or a day at the spa. Alternatively, schedule an appointment with your chiropractor!
Day Twenty-two: Read the Labels on the Food in Your Pantry
Common pantry items like canned soup and vegetables and pastas are often diet staples, but they could be doing more harm than you think. Canned soups are a great example. On the basic level, they are healthy…but they contain more sodium than you could even imagine! Use today to read the labels on the food items in your pantry and recognize what you could be putting into your body. You may decide to think twice the next time you’re shopping for those items!
Day Twenty-three: Declutter and Deep Clean Your Home
Whether you’re too busy, too tired, or just don’t feel like doing it, chances are there is at least one room in your home that could use some tidying. You probably haven’t thought of cleaning as a health-conscious activity, but decluttering and cleaning can prevent trips and falls, can improve the air quality in your home, and might even uncover some items you can sell for extra cash. If you can’t do it yourself, ask family for help or pay a cleaning service to come in and help you out.
Day 23: Deep Clean Your Home
Day Twenty-four: Brush your Teeth for a Full two Minutes
Dentists recommend that you brush your teeth for a full two minutes, twice per day. How long do you brush your teeth, and are you reaching every tooth? Some electric toothbrushes come with built-in timers, or you can put a kitchen timer in your bathroom to keep yourself honest. Healthy teeth lead to improved overall health, so this is crucial.
Day Twenty-five: Practice Really Washing your Hands for a Full 20 Seconds
People make the same mistake with hand washing as with teeth brushing. Every time you wash your hands – whether it’s after using the bathroom or before you eat – the CDC recommends that you wash thoroughly for at least 20 seconds. Be sure to lather every part of your hands with antibacterial soap before you rinse.
Day 25: Wash your hands for 20 seconds
Day Twenty-six: Spend Time Outside Today – Don’t forget the Sunscreen!
Spending time outside increases your Vitamin D intake, elevates your mood, improves your concentration, and can even help you sleep at night. However, even if it’s winter and you don’t feel the sun, you are still exposed to it and should wear sunscreen. Wearing sunscreen isn’t only about protection from burns; it also protects you from general sun exposure that leads to wrinkles and discoloration.
Plus, sunburn does more than just make your skin red and itchy – it can lead to skin cancer! Protecting your skin from the sun is more than just a good idea, it’s necessary for your health. Be sure to apply sunscreen every time you expect to be outside for more than a few minutes.
Day Twenty-seven: Schedule your Dental and Vision Appointments
Dental and vision appointments tend to feel less important than general doctor visits, because you may not notice that you are developing cavities or that your eyesight is worsening. Be sure to keep up with your annual (or bi-annual) dental and vision appointments.
Day Twenty-eight: Reflect on the Healthy Living Challenge and Assess your Goal Progress
Congratulations! You’ve made it through our 28-day Healthy Living Challenge. Moving forward, your goal should be to turn everything you did this past month into long-term habits. Drink eight glasses of water every day, get outside as much as possible, go for walks, and eat healthily. Find creative ways to reduce stress, declutter, and socialize with your friends, family, and neighbors.
For day 28, think about the S.M.A.R.T goals that you started with. Did you meet your goals, or at least make progress? What do you need to do next? If you need to follow up with a doctor, but you don’t have the coverage you need, maybe your next step needs to be reaching out to an insurance agent.
Do you qualify for Medicare? You can try to get a Medicare plan by yourself, but it doesn’t cost anything to meet with an agent, and there is never any obligation to buy. Your agent can help you assess your needs and pick the plan that works best out of all your available options. Just call 844-431-1832 to schedule your appointment.
This is only the beginning. Congrats on starting the path to a healthier you!
Silver and Fit® vs Silver Sneakers® Medicare Fitness Programs
Wishing you could afford a gym membership or a yoga class? You might be able to get the coverage you need with a Medicare fitness program.
As you age, regular exercise and healthy habits become more and more important. In fact, a regular exercise program can help prevent everything from falls around the home to diabetes!
Thousands of gyms across the country offer a Silver & Fit® or SilverSneakers® Medicare fitness program, and several Medicare Advantage plans actually include those programs as benefits (at no extra cost)! Maintaining a healthy lifestyle just got that much easier!
Are SilverSneakers ® and Silver and Fit ® the Same?
SilverSneakers® and Silver and Fit® are both Medicare fitness programs, but they are not the same. They are two separate companies offering similar benefits.
Both companies offer group fitness classes and exercise opportunities, and both companies partner with Medicare Advantage and Medicare Supplement plans to provide their benefit.
SilverSneakers ® vs Silver and Fit ®
Silver and Fit ® vs. SilverSneakers ® | Infographic | Medicare Plan Finder
The main differences between the two programs are the locations, the types of classes, and the availability of home fitness. Silver and Fit® eligibility and SilverSneakers® eligibility are generally the same.
Each program partners with a number of different gyms and wellness centers across the country. It is possible that you may have access to more gyms with one program than the other, so it’s a good idea to check for locations in your area before making a decision (scroll down to see our location lists for each program).
Silver and Fit® offers “home fitness kits” for people who do not have a gym in their area or are not able to get to a gym for any reason. On the other hand, SilverSneakers® offers a broader range of group fitness classes.
If you have access to both programs, picking the best one for you may require that you decide if you prefer group fitness classes or home fitness kits. Read on for a more in-depth view of each program.
Compare Plans from All Carriers in 1 Minute!
SilverSneakers ® Medicare Fitness
In a nutshell, SilverSneakers® is a fun exercise program for seniors. It is a fitness benefit found in many leading Medicare insurance plans that help provide guidance and convenient group exercises to improve general fitness, strength, flexibility, and walking ability. These classes can also help seniors and Medicare eligibles find new friends who also want to pursue an active lifestyle.
How do you get a Medicare Fitness Program like SilverSneakers ®?
This fitness service is not covered by Original Medicare (Part A and B). If you are interested in enrolling in a Medicare fitness program, you will need to be enrolled in a Medicare Advantage or Medicare Supplement plan that supports it.
Fitness programs are not included in every Medicare Advantage or Medicare Supplement plan, so it’s important to discuss your coverage options with a licensed agent. They can help you purchase a plan that fits your needs and budget and includes a fitness program.
SilverSneakers ® and Silver and Fit ® Insurance Providers
While we can’t list out the current SilverSneakers® and Silver and Fit® insurance providers (they are always changing), we can tell you that many of the “major” carriers that you’ve heard of offer these programs as a part of their Medicare Advantage plans.
If you’re interested, we can set you up to chat with a licensed agent who knows everything about what plans are available in your area today. Just call 800-531-3748 or click here.
SilverSneakers ® Eligibility
To meet SilverSneakers® eligibility requirements, you must be at least 65 years old and enrolled in a Medicare plan that includes the SilverSneakers® benefit.
Many leading Medicare Advantage plans, as well as a few Medigap plans, include automatic Silver Sneakers® eligibility. The best part is that this is available to you – if you qualify – at no cost! How do you figure that part out? Well, fill out this form or call us at 800-531-3748!
Medicare Workout Programs
There are numerous workouts you can choose from. These include classic, circuit, cardio-fit, yoga, splash, stability, etc. A workout is typically 45 to 60 minutes, twice a week. These classes are total body conditioning workouts and often involve hand-held weights, elastic tubing for resistance exercises, and small exercise balls. In some classes, participants may use chairs for additional support and balance.
The classic workout focuses on low-impact training that is suitable for all fitness levels. This workout is designed to increase your muscle strength and range of movement. There is typically a chair that incorporates seated exercises and offers a great start to living a healthy lifestyle.
They also offer indoor and outdoor exercise opportunities. Some locations have yoga on the beach, exercises in a neighborhood park, or other fun outdoor exercise opportunities!
Medicare Fitness Programs | Medicare Plan Finder
SilverSneakers ® Go
In early 2019, SilverSneakers® released an app just in time for New Year’s resolutions. The app allows you to access your member ID and digital card. It can track and schedule the various classes and activities available to members. Plus, it even shows locations and classes near you, which is great if you are traveling in a new area.
Senior Yoga Classes
Many of the gyms that accept SilverSneakers® and Silver & Fit® include classes, like aerobics, yoga, etc.
SilverSneakers® yoga classes provide a unique opportunity for seniors and Medicare eligibles to practice yoga in a judgment-free, inclusive group. These classes may incorporate chair yoga poses for seniors and Medicare eligibles.
Senior Yoga Poses | Medicare Plan Finder
SilverSneakers ® Eligible Gyms and Locations
There are over 16,000 SilverSneakers® locations across the United States. These locations include gyms, wellness centers, and YMCAs. Additionally, each location can provide equipment demonstrations.
Are you in Tennessee? Read this: YMCAs in Tennessee will no longer be accepting SilverSneakers®.
Once enrolled, you have access to any of these participating facilities. Enrollees receive a list of local participating facilities, including addresses and phone numbers.
We’ve compiled lists of SilverSneakers® locations based on where most of our audience is located. If your location is not listed, click here.
Did you mean SilverSneakers®? If you’re searching for Silver Slippers, you may be getting confusing it for SilverSneakers®. If you are genuinely looking for silver slippers, we found a great pair that can be purchased here. Otherwise, if you have any other questions regarding SilverSneakers®, fill out this form and we will get in touch with you!
Have more questions specific to SilverSneakers®? The SilverSneakers® phone number is 866-584-7389.
Medicare Fitness Programs | Medicare Plan Finder
Silver & Fit ® Programs
This program includes multiple benefits that are available to seniors and Medicare eligibles like you. These benefits include a fitness facility program, home fitness program, a resource library, fitness challenges, rewards program, and more! Depending on your coverage, there may be no additional fees to join. This is great if you are on a budget and looking to live a healthy lifestyle.
The body conditioning classes that are designed to increase your strength, endurance, stamina, flexibility, balance, and more. A class is typically an hour in length and is offered several times a week. The program incorporates weights, elastics, and balls into the workouts.
One of the many perks of Silver and Fit is the balance between fitness facility programs and home fitness programs. Home fitness programs offer various kits including walking, yoga, chair Pilates, stress management, Tai Chi, and aquatic exercise. This is a great option for seniors and Medicare eligibles who need focused exercise in their home.
Other program benefits include gender-specific gyms and exercise centers beyond the average fitness facility. These facilities can include yoga and lap pools.
Silver and Fit Eligibility and Age Requirements
To be eligible for Silver & Fit®, you must be age 65 or older and enrolled in Medicare.
Original Medicare (Parts A and B) does not cover this fitness program. Certain Medicare Advantage and Medicare Supplement plans offer this program. To find out if your current Medicare Advantage or Medicare Supplement plan includes Silver and Fit eligibility, click here or call us to speak with a licensed agent at 800-531-3748.
What is the Annual Fee for Silver & Fit ® ?
Fees for Silver & Fit® can vary based on your Medicare plan. You may be asked to pay an annual Silver & Fit® membership fee, or your Silver & Fit® benefit might be rolled into your Medicare plan premium.
SilverSneakers | Medicare Plan Finder
Silver and Fit Locations (Fitness Centers and Gyms)
If you choose to enroll in this program, you will have access to over 11,000 Silver and Fit gyms and locations nationwide. These locations can include gyms, wellness centers, and YMCAs. Once you have your Silver & Fit® membership info, you can select a gym. Just be sure to call the gym and verify that they are participating in the Silver & Fit® program.
We’ve put together a few quick lists based on where the majority of our audience lives. If your location isn’t listed, go to silverandfit.com to find locations near you.
Have more questions specific to Silver & Fit®? The Silver and Fit phone number is 1-877-427-4788.
Get Medicare Fitness Benefits NOW!
It’s never too late to start exercising. Active lifestyles are important for maintaining your health and quality of life. Exercise can benefit older adults mentally and physically. Moderate exercise can help alleviate stress and potentially reduce feelings of depression. Plus, regular exercise may be able to improve mental function.
Participation in a Medicare fitness program can help improve your strength, balance, and endurance. Participating in a healthy lifestyle encourages independence. If you have any questions or are interested in exploring Medicare coverage, complete this form or call us at 800-531-3748.
This blog was originally published on 10/1/18 by Kelsey Davis was most recently updated on 11/13/19by Anastsia Iliou.
Medicare Dental Plans: What You Need to Know
According to the National Institute of Dental and Craniofacial Research, most people over the age of 65 are missing an average of 13 teeth. In fact, it is estimated that 27% have no remaining teeth at all. Dental problems are among the most common health issues for older adults. A Medicare dental plan can make a huge difference in you having a bright, healthy smile.
Original Medicare (Part A and B) covers very few dental-related costs. Jaw diseases, oral cancer, face tumors, or face fracture-related procedures and infections caused by dental procedures are covered by Medicare Part B. Oral examinations may be covered by Part A if they are related to another hospital stay. However, Original Medicare does not cover important services to prevent or detect severe dental problems such as routine exams or cleanings. Furthermore, Original Medicare doesn’t cover dentures, denture care, fillings or pullings. Medicare Advantage plans can fill in those gaps.
Medicare Supplemental Dental Insurance or Stand-Alone Plans
Medicare Supplemental Dental Insurance | Medicare Plan Finder
Even though Original Medicare does not cover the majority of dental services, there are a couple of options for Medicare supplemental dental insurance plans or stand-alone plans to help you save money.
Medicare Advantage
Medicare Advantage (MA) plans are private insurance plans that contract with Original Medicare. MA plans offer the same coverage as Original Medicare, but they can include additional benefits such as dental, vision, and hearing coverage. Some plans even offer coverage for fitness classes!
Medicare Advantage plans may include dental coverage for services including:
Cleanings (prophylaxis)
Dental X-rays
Diagnostic services
Endodontics (root canal treatment)
Extractions
Oral exams
Restorative services such as fillings
Periodontics (gum disease and oral inflammation treatment)
Extractions
Prosthodontics (crowns, bridges, dental implants, and dentures)
Medicare Advantage dental services typically come with a copay or coinsurance. Your coinsurance will usually be a percentage. For example, you will owe 20 percent of the covered service costs. A copay is a set dollar amount that you will owe for services, such as $20 for X-rays, an exam, and cleaning.
You will usually have a monthly premium with your Medicare Advantage supplemental dental insurance plan, but some areas have plans with $0-premiums.
There may be many MA plans in your area to choose from, and it may seem daunting. A licensed agent with Medicare Plan Finder can help you find a plan that fits your budget and lifestyle. Our agents are highly trained and they are experts in Medicare Advantage. They are dedicated to finding the best plan for you.
Find Medicare Advantage Plans | Medicare Plan Finder
Stand-Alone Dental Insurance Plans
Some people may find that Medicare Advantage plans don’t offer coverage for the dental care they need, or that the MA plans in their area don’t offer dental coverage. Those people may find coverage through private dental insurance plans that aren’t contracted with Medicare.
Many stand-alone dental insurance plans cover 100 percent of routine and preventive care, such as cleanings and exams. You will likely owe a monthly premium, but you may save money overall because you won’t have as many out-of-pocket costs.
Dental insurance plans can also cover 70-80 percent of treatments such as fillings or extractions. You may pay 50 percent of major procedures such as crowns or bridges.
Dental Savings Plans
A dental savings plan is much like a shopping club: you pay an annual or monthly fee and you get discounts from a certain group of dentists. This type of savings plan is not insurance, but it is a way to save money on dental care.
Dental Issues Facing the Elderly
Researchers have found links between poor oral health and other health problems such as cardiovascular disease, dementia, respiratory infections, diabetes, cancer, and more. It’s important to be aware of elderly dental problems so you can rectify the issue as soon as possible. Some common problems include:
Darkened Teeth
As you age, your teeth become discolored naturally. When enamel wears away, dark dentin underneath is exposed. These bone-like tissues lie underneath your tooth enamel. Dentin is affected by your diet and medications. Smoking and drinking coffee, tea, and soda can contribute to the darkening of your teeth.
Dry Mouth
Dry mouth is caused by a lack of saliva. As you age, you may start taking more medications which could result in a dry mouth. When our mouths are producing the proper amount of saliva, our teeth are protected from decay and bacteria. Although it may seem like a minor issue, dry mouth can lead to viruses and fungi forming in your mouth. Dehydration from excessive sweating, vomiting, and diarrhea can also lead to dry mouth. Be sure to drink a minimum of 8 glasses of water a day. Water is crucial for dental hygiene. Plus, vital organs in your body perform best when you’re hydrated!
Root Decay
If you do not exercise proper oral hygiene habits, your gums can recede. When this happens, your roots are exposed. Tooth roots are covered by cementum, not enamel. Cementum is responsible for anchoring the tooth to the jawbone. However, cementum is not designed to protect your teeth the same way as enamel. When this part of the tooth is exposed, your risk of tooth decay increases. The naked eye can not see tooth decay, so it’s important to practice good dental hygiene and visit your dentist regularly.
Gum Disease
Have you ever experienced gum bleeding while brushing your teeth? This is a sign that you may be developing gum disease. Gum disease develops when there is an excess of plague caused by small pieces of food being left in your teeth. This is often caused by a lack of brushing or flossing. The risk of gum disease is higher in those who smoke tobacco, have unhealthy diets, or wear poor-fitting dentures. Gum disease can lead to tooth loss and many other health issues in your body.
Oral Cancer
When cells on your lips or mouth have changes in their DNA, a cancerous tumor can form. Oral cancer can appear on your lips, cheek lining, gums, tongue, and top of your mouth. Symptoms include a sore that won’t go away, red or white patches, numbness, and difficulty chewing, swallowing, or speaking. Having a healthy diet and avoiding excess sun exposure to your mouth and lips can help prevent oral cancer or at least limit your symptoms. However, regular visits to your dentist are the best way to find and fix any underlying issues.
Best Oral Hygiene Practices
Proper dental care for seniors and Medicare eligibles doesn’t have to be a daunting task. Spending a few extra minutes a day on your teeth can help prevent some of the common elderly dental problems discussed above. If you’re looking for easy ways to improve your dental hygiene, follow these simple tips:
Brush your teeth twice per day with fluoride toothpaste
Floss once per day
Use an electric toothbrush
Use mouthwash after brushing your teeth
If you wear dentures, clean them daily
Visit your dentist regularly
Drink plenty of water
Get Medicare Dental Insurance Today
Many seniors and Medicare eligibles may be watching their income, and that’s where Medicare Plan Finder can help. Your agent can help find a Medicare Advantage plan that covers your necessary medical expenses including dental coverage.
When you enlist Medicare Plan Finder’s help, you get an expert in Medicare on your side who can help you weigh the pros and cons of the plans in your area, and help you decide if a Medicare Advantage plan with dental coverage, a stand-alone dental plan, or a dental savings plan is right for you. Call 844-431-1832 or contact us here to learn more today.
This post was originally published on December 13, 2018, by Kelsey Davis, but was updated on July 03, 2019, by Troy Frink.
7 Incredible Superfoods for Seniors
Remember when your mom told you to eat your fruits and vegetables? Well, she was right. They can help prevent arthritis, heart disease, stroke, dementia, and even cancer.
Many fruits and vegetables (and even some drinks) are considered to be “superfoods.” These foods are rich in compounds and nutrients and have become increasingly popular in recent years. As you age, the following superfoods for seniors can provide missing nutrients in your diet and help prevent certain medical issues.
#1 Kale
Kale is full of vitamins. In fact, eating one cup of chopped kale gives you 200% of your daily value of vitamin A, 134% of your daily value of vitamin C, and nearly 700% your daily value for vitamin K. Alongside these vitamins, kale is full of omega-3 fatty acids, which can help prevent blood clotting. The high amount of fiber and calcium contribute to bone and eye health while lowering cholesterol levels.
#2 Blueberries
Among all fruits and vegetables, blueberries are ranked as having the highest level of antioxidants. They are also rich in dietary fiber, which improves brain function and lowers the risk of heart disease, diabetes, and cancer. Blueberries may also help lower your blood pressure, improve memory, and fight urinary tract infections.
#3 Legumes
A legume is a fruit or seed of a plant. Some of the healthiest legumes include chickpeas, lentils, peas, kidney beans, black beans, soybeans, and pinto beans. Legumes have vitamins and minerals that help with anti-inflammatory issues. They also help to improve blood vessel function, cholesterol levels, and heart health. Plus, legumes are low in fat, packed with protein, nutrient-rich, and wallet-friendly.
#4 Green Tea
Green tea has been used as an anti-aging secret in China and Japan for centuries. According to an ancient Chinese proverb, it’s “better to be deprived of food for three days, than tea for one.” This drink is a rich source of antioxidants, reducing the risk of bladder, prostate, breast, stomach, and blood cancers. It can also improve your brain function and promote oral health.
#5 Pomegranates
These vitamin-packed fruits reduce the risk of stroke, heart attack, high blood pressure, and diabetes. Pomegranates are full of antioxidants and can lower cholesterol levels. They can even protect your cells from damage and help reduce inflammation. Pro tip: beating a wooden spoon on a pomegranate is an effective method to remove the seeds!
#6 Avocados
Avocados are a versatile fruit that are high in healthy fats without cholesterol or sodium. You can integrate avocados into almost any meal or even put them in a fruit smoothie. Avocados protect your body from heart disease and promote healthy eyes and brain function. They contain more potassium than bananas and are full of healthy fatty acids and fiber.
#7 Red Wine
Drinking is commonly perceived as an unhealthy decision, and while it does have addictive properties, a glass of red wine in moderation has great health benefits. Some of these benefits include the prevention of tooth decay and gum diseases and the reduction of osteoporosis and certain cancers. Please note, the National Institute of Health recommends that individuals exceeding 65 years of age should not consume more than seven drinks per week (one drink is equivalent to five ounces of wine).
Other Superfoods for Seniors
There are several additional superfoods for seniors beyond the top seven. Some of our favorites include:
Salmon
Salmon is an excellent source of vitamin D and is one of the healthiest proteins for older adults. It can help lower the risk of heart disease if you eat at est eight ounces per week. Salmon can also promote bone health as it helps the body absorb more calcium.
Tomatoes
Tomatoes can help promote bone health, which is generally a large concern as you age. They can help prevent conditions like osteoporosis and lower the risk of digestive tract cancers and heart disease. Tomatoes are an excellent source for vitamin C, vitamin K, and potassium. Try some tomato soup!
Sweet potatoes provide nutrients alongside a sweet flavor. They naturally contain benefits that help prevent diseases and boost your immune system. They are full of anti-inflammatory nutrients and vitamins A and C. This makes sweet potatoes an excellent choice for someone suffering from arthritis or asthma.
Importance of Health Coverage for a Healthy Lifestyle
Superfoods are nutrient-packed powerhouses that drastically contribute to your health. These foods will continue to gain exposure in the coming years and be implemented into more meals and recipes. Which superfood are you most excited to try?
These superfoods do not diminish the importance of a healthy lifestyle and the right healthcare coverage for your specific needs. At Medicare Plan Finder, our agents are contracted with all of the major carriers so you can review the plans in your area without a bias. To get started, click here, or call 844-431-1832.
This blog was originally published on 7/26/18, but was updated on 7/2/19.
Father’s Day 2019: Healthy Gifts for the dad who Wants Nothing
Are you one of the millions of people looking for gifts for the dad who wants “nothing?” Maybe this is the year that you can finally give him something other than a new tie. As dad ages, consider gifting him the education, care, and technology he needs to stay healthy.
Sometimes the best gift is not a physical object. Consider gifting your dad with:
Bringing him healthy meals or taking him out to healthy lunches
Fitness Gifts for Dad
One of the easiest ways to get dad a gift that encourages him to practice healthy habits is by looking at the fitness industry. These gifts not only say, “I love you,” but also allow you to be proactive for his health:
A gym membership (if he qualifies for Medicare, you can get him a gym membership by helping him sign up for certain Medicare Advantage plans).
List of Male-Specific Diseases
The best gift you can give your aging father is education and readiness for what life may throw at him next. Even if dad is healthy now, help him learn about diseases that he may be susceptible to. Is he nearing or over age 65? Help him also learn about different insurance options that he may not have heard about yet!
These are some male-specific diseases and diseases that are more likely to affect aging men than women. Remind your dad to look for the signs.
According to the Centers of Disease Control and Prevention (CDC), cancer is the 2nd leading cause of death for people over the age of 65. It’s extremely important for seniors and Medicare eligibles to remain proactive when it comes to their health. If cancer is caught early enough through screenings, it may be treatable. The most common cancers found in men are:
Prostate cancer
This type of cancer generally grows slowly and is initially found in the prostate gland where it may not cause extreme harm. However, prostate cancer can grow quickly and create bigger issues. If your dad is over 50 years old, African American, or if prostate cancer runs in your family, he has a higher risk of developing prostate cancer.
Colorectal cancer
Did you know colorectal cancer is the second leading cause of cancer-related deaths in the US? Colorectal cancer develops from abnormal growths called precancerous polyps. These growths can be removed before they turn cancerous, so it is vital to stay alert and proactive.
Medicare Coverage for Men
If your dad is eligible for Medicare, Medicare covers a digital rectal exam and a prostate-specific antigen (PSA) test once a year. In addition to these tests, Medicare covers numerous colorectal screenings like the fecal occult blood test, flexible sigmoidoscopy, and colonoscopies. Screenings are extremely important. The CDC says that close to 1,000 colorectal cancer deaths could be prevented each year if even 70.5% of people attended regular screenings.
Are you interested in exploring Medicare insurance available for you? Our agents can explain your coverage options and help you find a plan that best fits your needs and budget. If you are interested in arranging a no-cost, no-obligation appointment with an agent, complete this form or give us a call today at 844-431-1832.
*Originally published on August 16, 2018, and updated on June 13, 2019.
3 Heart Health Resources you Should use
It’s never too late to start making good decisions regarding your heart health. As you age, your risk of developing heart disease dramatically increases.
You can help manage the risk by taking an active role in maintaining your heart health, and using the free resources you have at your disposal, including:
1. Medicare Preventive Services for a Healthy Heart
Man at Medicare Wellness Visit | Medicare Plan Finder
Your doctor may be your best resource for keeping your heart healthy. Did you know you can get a free wellness exam every year if you have Medicare insurance?
The Medicare Annual Wellness Visit (AWV) may include measurements of your height, weight, BMI and blood pressure, which can help identify your risk of developing heart disease. During your AWV, your doctor can discuss action plans for your diet and exercise in order to help minimize your risk of developing a heart condition.
Medicare will also cover blood tests for cholesterol once every five years. The heart screening will measure your cholesterol, triglyceride and lipid levels. An electrocardiogram (EKG or ECG) will give your doctor a picture of your heartbeat. EKGs fall under medically necessary diagnostic testing. Medicare will pay for an EKG if your doctor orders one.
Work with your doctor to develop a diet and exercise plan. Medicare will cover medically necessary obesity screenings and nutrition counseling.
Some private health insurance policies called Medicare Advantage plans will cover fitness classes along with all of the wellness services Original Medicare covers. Talk to an agent about finding a Medicare Advantage plan that will allow you to keep your doctor and access every service you need.
2. Risk Tracking for an Accurate Picture of Heart Health
The American College of Cardiology offers CardioSmart for free. The website features a BMI calculator, a Heart Disease Risk Assesment, and a Cholesterol Calculator online (as well as a “Med Reminder” app to remind you to take your medication).
As you age, it becomes more important to track your weight, your cholesterol levels, and your overall diet. Additionally, you should look at your family medical history. Find out what kind of genetic risk you have for developing heart disease. If you have immediate family members with a history of heart conditions, that may indicate that you have a greater risk of developing cardiovascular disease.
3. Take Control of Your Diet and Exercise
Heart-Healthy Foods and Exercise Equipment | Medicare Plan Finder
Your risk for heart disease is closely linked to your weight. If you’re overweight or obese, you have a much greater chance of developing heart disease, and losing weight is one of the most effective ways to help prevent heart disease.
A 10 percent weight loss significantly reduces your heart disease risk. Consistent calorie tracking is one of the most important steps in losing weight successfully. It may seem difficult to track what you eat, but there are hundreds of tools out there that can help you. If you are at risk for heart disease, you’ll want to focus on eating lean proteins while cutting down on fats and sodium and increasing your fiber intake (whole grains, fruits and vegetables).
You can create your own tracking system by writing down what you eat every day, or you can try using an app that will store your information and help you figure out your caloric intake. MyFitnessPal is one example of a free app that is easy to use.
All you have to do is enter the foods you eat and any exercise you complete throughout the day. It’ll track your nutrition and your calories and tell you if you’re eating too much or not eating enough of any specific food group. The MyFitnessPal mobile app even has a feature that allows you to scan a package’s barcode and upload the food’s nutritional information.
Let us Help
A comprehensive health insurance plan is a great resource to help you stay healthy. Medicare Plan Finder agents can help you find a plan that covers the services you need while fitting your budget and lifestyle. Call us at 844-431-1832or contact us here to learn more.
Contact Us | Medicare Plan Finder
This post was originally published on October 12, 2017, by Anastasia Iliou and was updated on June 13, 2019, by Troy Frink.
Common Spine Problems with Aging
As you age, your spine can naturally lose its normal structure and function. Spinal sprains, strains and overuse over the course of a person’s life can cause gradual spinal degeneration. Most people over 40 experience some degeneration of spinal disks, which can cause back pain. Common spine problems with aging can often be prevented or treated without surgery, but sometimes an operation is the only option to relieve pain.
Talk to your doctor if you have chronic back pain. Your doctor will make diagnoses, recommend a plan of action, and monitor your condition. Seniors and Medicare-eligibles have health insurance resources at their disposal. Medicare will cover some diagnostic and treatment services for back pain in the elderly.
What is Spinal Degeneration?
The spine is composed of vertebrae and rubbery disks that act as cushions between the bones. Spinal degeneration is when the parts that make up your spine break down and lose function. Many conditions can contribute to spinal degeneration, including:
Osteoporosis
You lose bone density as you age, putting you at risk for osteoporosis, which means “porous bones.” Women are more susceptible to osteoporosis than men. Osteoporosis can often result in bone fractures, and oftentimes symptoms don’t surface until the first broken bone.
Herniated Disks
Spine disks have an outer portion that contains the rubbery part that cushions the vertebrae. A herniated disk occurs when the outer portion tears and the rubbery inside starts to poke through the outside.
Spinal Stenosis
As arthritis or disk degeneration becomes worse, the space that contains the spinal cord and nerve roots can become narrow and cause stenosis. When the space narrows, a ligament that goes over the space between the vertebrae can become short and thick. That narrowed space between the disks puts added pressure on the nerves and can cause pain.
Spinal Degeneration Symptoms
Common spine problems with aging usually include pain. Some people have manageable pain or discomfort, but others may experience incapacitating pain. Symptoms include:
Pain in the lower back, buttocks, and legs
Pain that starts in the neck and then travels to the arms and hands
Pain that’s not as noticeable when you walk, but worsens when you sit down
Pain that gets worse quickly when you bend, twist or lift things
Pain that gets better depending on how you sit or lay
Long-term nerve damage that results from spinal degeneration may feel like tingling or numbness in your arms or legs.
Testing for Spinal Degeneration
Diagnosing spinal degeneration can be difficult because the conditions usually start small. As the components of your spine deteriorate, serious spine problems become more likely to occur. For example, degenerative disk disease can cause spinal degeneration that can eventually result in a herniated disk. However, lifting a heavy object the wrong way can also cause a herniated disk. Even though your doctor may be able to quickly diagnose a herniated disk, finding out that the root cause of the hernia is degenerative disk disease may take more in-depth screening.
Testing for common spine problems with aging may come in the form of diagnostic imaging including X-ray, MRI or EMG depending on your symptoms. Medicare will cover all three tests if your doctor orders them.
Elderly Back Pain Solutions
Many common spine problems in older adults can be prevented by practicing healthy habits. However, sometimes problems can become severe enough that the only way to treat the pain is surgery.
Nonsurgical Treatment
Back pain is oftentimes caused by the inflammation and pressure on the nerves that any spinal degeneration condition can bring. You can help relieve pain by:
Proper posture: Exercising good posture can help stop chronic back pain before it starts. Medicare will cover a back brace to help remind you to keep your back straight.
Physical activity: You’ll feel better the more active you are, and you can recover from back pain episodes sooner. Certain private insurance plans called Medicare Advantage plans cover fitness classes.
Physical therapy: Your doctor can prescribe an exercise program to help improve your balance and mobility. Medicare covers doctor-prescribed physical therapy.
Cold application: Use an ice pack to help relieve pain when you first experience pain. Applying ice for 20 minutes can help calm inflammation or muscle spasms. If you don’t have an ice pack, a bag of frozen peas will work.
Heat application: If back pain persists for a couple of days, try using a heating pad or taking a warm bath. Heat can help relax your back muscles and increase blood flow. After you’ve applied heat, stretch your muscles to prevent muscle spasms.
Over-the-counter pain medications: Non-steroidal anti-inflammatory medications (NSAID) such as ibuprofen, aspirin or naproxen can help stop pain. Talk to your doctor about when and how to take NSAIDs.
Effective rest: You may want to stay in bed if you “throw your back out,” but gentle stretching will aid in your recovery much better. Bed rest can actually make back pain in the elderly worsen and last much longer.
Sometimes back pain will become chronic and persistent, and you’ll need more invasive treatments. Your doctor might recommend:
Nerve blocks: A steroid injection can reduce back pain and inflammation at its source. Medicare covers medically necessary steroid injections, but it has specific requirements for Epidural Steroid Injections (ESI).
Radiofrequency ablation: A needle that can transfer radiowaves can be inserted to block pain signals from nerves using high-frequency current. For some people, it can relieve chronic back pain for nine months or longer. Medicare will cover radiofrequency ablation if it’s medically necessary.
Spinal cord stimulators: Stimulating part of the spinal cord can change some people’s pain perception. A small array of electrodes that works much like multiple pacemakers can be implanted to send electrical impulses to the spinal cord. The impulses can hide or divert pain signals so they don’t reach the brain.
Surgical Treatment
If more conservative therapies don’t work and pain persists for more than three months, it might be time for more drastic measures. Surgery is a last resort for people whose pain gets unmanageable. The surgeries used to treat spinal degeneration range from minimally invasive procedures to more involved procedures including:
Minimally invasive lumbar decompression: An outpatient procedure that treats spinal stenosis by making a small incision and removing part of the disc to alleviate pressure on the nerves.
Minimally invasive kyphoplasty or vertebroplasty: A procedure that uses cement to help treat a spine fracture. The cement helps relieve pain and return the patient to full function.
Spinal fusion: A surgery that fuses two vertebrae together to make the spine more stable. It can relieve extreme pain and help you bear your weight again.
Medicare will cover medically-necessary back surgery, but you may owe coinsurance and deductibles.
We Can Help
Your doctor can help you treat and prevent common spine problems with aging, and the right Medicare plan can help you cover the costs. A Medicare Plan Finder agent can help you find a plan that fits your budget and medical needs. Call us at 844-431-1832 or contact us here to arrange a no-obligation appointment.
Contact Us | Medicare Plan Finder
Testing for Common Health Problems in Elderly People
As you age, your body breaks down and you may need to be more vigilant about regular health screenings. For example, what starts as slightly elevated blood pressure can turn into chronic hypertension, which dramatically increases your risk of stroke. However, if you stay on top of your health screenings and follow your doctor’s recommendations, you can help yourself stay ahead of some of the most common health problems in elderly people.
Preventing the Most Common Chronic Diseases in Older Adults
A variety of chronic health issues affect the elderly at higher rates than younger adults. The most common chronic diseases in older adults are:
Type 2 diabetes
Arthritis
Kidney and bladder issues
Dementia
Alzheimer’s disease
Parkinson’s disease
Glaucoma
Lung disease
Cataracts
Osteoporosis
Prostate enlargement
Macular degeneration
Depression
Cardiovascular disease
Thankfully, there are resources available for treating common elderly diseases. Anyone who qualifies for Medicare can receive regular health screenings and annual exams during which doctors can check for symptoms of the most common elderly diseases.
Blood Monitoring
According to the CDC, 64 percent of men and 69 percent of women ages 65-74 have high blood pressure, or hypertension. You may not notice symptoms until it’s too late. Chronic hypertension can lead to stroke or heart attack, so it’s important to monitor your blood pressure and have your doctor check it once a year during your Medicare annual wellness exam.
Your risk of stroke and heart attack is significantly reduced if you have a healthy triglyceride and cholesterol level. If you’re diagnosed with high cholesterol, work with your doctor to come up with a plan to maintain a healthy lifestyle including a nutritious diet and an exercise program. Medicare will cover a cholesterol test once every five years.
Cancer Screenings
As you age, your likelihood of developing cancer increases. Regular check-ups and testing for cancer is an important step in catching it before it becomes unmanageable. Medicare will cover screenings for certain cancers such as:
Colorectal Cancer Screenings
A colonoscopy is a screening where a doctor uses a small camera to scan your colon for cancerous growths called polyps. You should get a colonoscopy once every 10 years after your fiftieth birthday. Medicare will cover one colonoscopy every 10 years if you have an average risk of developing colon cancer, or once every two years if you have a high risk. You will have the best chance for successful treatment if you catch colorectal cancer early, so don’t skip out on your colonoscopies.
Breast and Cervical Cancer Screenings
Women over 40 should get one mammogram per year, and one clinical breast cancer exam once every two years. Women 65 and older should have regular pap smears and pelvic exams to screen for cervical cancer. Medicare covers these tests as well as other gynecology services.
Prostate Cancer Screenings
A prostate cancer screening generally comes in two forms: digital rectal exams and a check for prostate-specific antigens (PSA) in your blood. Men should start having regular prostate cancer screenings starting at age 50. Medicare will pay for 100 percent of the PSA measurement, but you may have to pay coinsurance or a deductible for a digital rectal exam.
Skin Cancer (Melanoma) Screenings
Skin cancer usually starts small. If you find a new growth on your skin or a mole that changes color, go to a dermatologist for skin cancer testing. Medicare covers medically necessary dermatology services.
Certain moles are skin cancer warnings. They usually have recognizable characteristics. Before you visit the dermatologist, remember the ABCDEs of mole exams:
Asymmetry: If you can draw a line down the middle of your mole and it the same shape appears on both sides, your mole is usually not cancerous.
Border: Melanomas can have uneven borders that can look scalloped or notched.
Color: Benign moles are usually all one shade of brown. Melanomas, however, are not. They can have different shades of brown or black, or even appear red, blue or white.
Diameter: Melanomas are usually ¼ inch in diameter or larger, whereas benign moles are smaller.
Evolving: If your mole changes color or starts to evolve in any way, it could be a melanoma.
Bone Density Test
As you age, your bone density may deteriorate. Elderly men are much less likely than women to get osteoporosis. Medicare will pay for one test every two years for women 65 and older, and one test every two years for men 70 and older.
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Dental, Vision, and Hearing Tests
Original Medicare does not cover routine dental, vision or hearing services, but certain private insurance policies called Medicare Advantage plans do. Mouth, eye and ear health are still vital components over your overall well-being, so it’s crucial that you include whole-body health in your wellness plan.
It’s common for seniors to develop periodontal disease and start to loose teeth. A thorough daily oral hygiene routine and regular check-ups with a dentist can make a huge difference. A periodontal exam can be part of your semiannual teeth cleanings.
Adults 40 and older should have eye exams every year if they wear glasses or contact lenses. If you don’t need vision correction, ask your eye doctor how often you should take eye exams.
Your hearing will naturally decline as you age, but sometimes infections and diseases result in premature hearing loss. Medicare Part B (medical insurance) will cover a hearing test as a result of an injury or illness.
Diabetes Screening
Another common health problem in elderly patients is diabetes, which is when your blood sugar is so high that your pancreas can’t produce enough insulin. You should undergo annual diabetes testing if you display risk factors for diabetes such as obesity or prediabetes.
Medicare will cover diabetes testing such as fasting glucose tests and/or post-glucose challenge tests for people who have a history high blood sugar, hypertension or a history of high cholesterol.
Thyroid-stimulating Hormone Assessment
The thyroid is a gland in your neck that regulates metabolism, and sometimes it may not produce enough hormones. The lack of hormones may lead to lethargy, weight gain, and aches and pains. It can even cause erectile dysfunction in men. A blood test can assess your level of thyroid-stimulating hormones (TSH) and determine if your thyroid is functioning like it’s supposed to.
Vaccinations
Vaccinations can drastically reduce the risk of many common health problems in the elderly. Many of these vaccinations are covered in your annual wellness exam, including:
Tetanus Booster Shots: You should receive a tetanus booster once every 10 years.
Shingles vaccines: Everyone 60 and older should also receive shingles vaccines.
Pneumococcal vaccine: In order to protect against pneumonia and other infections, get a pneumococcal vaccine. Pneumococcal disease can result in a variety of health problems, including:
Pneumonia
Sinusitis
Meningitis
Endocarditis
Pericarditis
Inner ear infections
Contact Us Today
Many common health problems in elderly patients can be treated or avoided altogether if they’re caught early. The right Medicare plan can cover elderly health screenings and help pay for treatment. If you need help finding a Medicare plan, call us at 844-431-1832 or fill out this form today.
Contact Us | Medicare Plan Finder
Does Medicare Cover Sleep Apnea?
Sleep apnea is a condition in which a person repeatedly stops breathing while they sleep for about 10 seconds. Its effect on sleep quality is astronomical.
Sleep apnea is one of the leading causes of insomnia in adults over age 40. If you’re eligible for Medicare and have trouble sleeping, you may want to know, “Does Medicare cover sleep apnea?”
Medicare coverage for sleep apnea starts with Part B, and it includes some of the costs related to sleep apnea, such as doctor’s visits to diagnose and treat the condition.
Does Medicare Cover CPAP Machines?
Does Medicare Cover Sleep Apnea? | Medicare Plan Finder
Medicare Part B will cover a CPAP machine to help treat your sleep apnea if your doctor determines that it is medically necessary. A CPAP machine stops the airways from collapsing by sending pressurized air into the throat, allowing the user to sleep.
Medicare coverage for CPAP machines comes with a three-month trial period. You may be responsible for paying 20 percent of your CPAP rental with Medicare costs, and 20 percent of the masks and tubing costs.
If your doctor determines that the CPAP machine helps your sleeping disorder, Medicare will continue to cover your CPAP machine. Medicare will continue to pay for your CPAP rental for 13 months.
You own the machine after the rental period. If you already owned a CPAP machine before you enrolled in Medicare, you might be able to receive coverage for renting a replacement machine or accessories.
How to Get a CPAP Machine
The Centers for Medicare and Medicaid (CMS) consider CPAP machines to be durable medical equipment (DME). Medicare.gov has a resource for finding DME in your area.
If you have a prescription for a CPAP machine, click here. Enter your zip code to find your nearest Medicare-approved DME provider. For demonstration purposes, we chose 37209, which is the zip code for our corporate offices in Nashville, TN.
How to Get a CPAP Machine Step 1 | Medicare Plan Finder
You will then reach a page that lists providers for many types of DME. Since we’re only going to cover CPAP machines, click the box marked “CPAP, RADs, & Related Supplies & Accessories” as shown below in red. Then click “Search” as shown below in blue.
How to Get a CPAP Machine Step 2 | Medicare Plan Finder
Once you do that, you will come to a page that tells you how many CPAP machine providers are in your area that looks like this. Click on the box that tells you how many local results there are.
How to Get a CPAP Machine Step 3 | Medicare Plan Finder
The next page will display contact information for the DME providers. Call them to discuss their services and costs. You may need to call more than one to find a good fit.
How to Get a CPAP Machine Step 4 | Medicare Plan Finder
Does Medicare Cover Sleep Apnea Equipment?
Some people may not be able to use a CPAP machine. Medicare will cover an oral appliance in that case, if your doctor prescibes one. An oral appliance holds the jaw open and allows the user to breathe by keeping the airway clear.
Does Medicare Cover Sleep Apnea Testing?
Medicare Part B will cover sleep apnea testing if your doctor orders a test for you. Medicare will typically pay for 80 percent of the associated costs after you’ve met the Part B deductible.
Sleep tests are usually performed at a sleep center or at a hospital, and the tests record your nighttime sleep patterns. The tests provide your doctor with a detailed snapshot of how you sleep, and he or she can use the results to render a diagnosis.
Medicare will cover in-home test types I-IV if you display sleep apnea symptoms. The in-home tests can only screen for sleep apnea and not for other sleep disorders.
What Else Does Medicare Cover for Sleep Apnea?
Medicare Part B is public health insurance. Its coverage is limited to what the federal government approves.
Sleep apnea affects every area of a person’s life, and patients should be treated with their overall health in mind.
Private insurance carriers offer policies called Medicare Part C (Medicare Advantage) plans that can provide coverage beyond Original Medicare. Some plans offer transportation to doctor’s appointments, meal delivery, fitness classes, and prescription drugs.
Doctors typically do not prescribe medications as a primary sleep apnea treatment, but sometimes doctors recommend drugs to help manage sleep apnea symptoms. Medicare Part D or certain Medicare Advantage plans will cover prescription drugs such as Ambien to help you sleep or Provigil to help you stay awake.
Rx Discount Card | Medicare Plan Finder
Sleep Apnea Causes
The most common form of sleep apnea is obstructive sleep apnea. It occurs when the throat muscles relax and block the airway. Throat muscles support the tongue, the side walls of the throat, and the tonsils.
With sleep apnea, the muscles relax and your airway collapses, you can’t get enough air into your lungs, and your oxygen levels decline. To compensate for this decline, your brain will wake you up so that you can breathe freely.
The time awake is often so brief that you don’t remember it, but the frequent sleep interruptions make it impossible for you to enter into a deep sleep. Your body needs that deep sleep to produce hormones and repair muscle and bone tissue.
Central sleep apnea is less common, and it occurs when your brain doesn’t signal your breathing muscles to activate. This means your brain won’t make an effort to breathe for a brief period, and you’ll wake up with shortness of breath and likely have a tough time falling asleep again.
Risk Factors for Obstructive Sleep Apnea
Doctor Talking to Patient About Sleep Apnea Risk Factors | Medicare Plan Finder
Obstructive sleep apnea risk factors include:
Obesity: Excess weight dramatically increases the risk of sleep apnea. Fat deposits surrounding your upper throat can block your breathing.
Neck circumference: Thicker necks can mean narrower airways for some people.
Sex: Adult males are twice as likely to develop sleep apnea than women.
Age: Older adults have a much higher rate of sleep apnea than younger adults.
Family history: If you have immediate family members with sleep apnea, that can mean a greater risk of you developing the sleep disorder.
Smoking: People who smoke are at a significantly higher risk of sleep apnea because tobacco use can increase throat inflammation and fluid retention.
Nasal congestion: If breathing through your nose is difficult because of allergies or an anatomical problem, you’re at a higher risk of developing obstructive sleep apnea.
Risk Factors for Central Sleep Apnea
Central sleep apnea risk factors include:
Age: Like with obstructive sleep apnea, older adults have a higher risk of developing central sleep apnea.
Sex: Males more commonly develop central sleep apnea than females, just like with obstructive sleep apnea.
Heart conditions and stroke: Having congestive heart failure means you’re more likely to develop central sleep apnea.
Why Sleep Apnea is Dangerous
Sleep apnea is a serious condition that can be associated with a host of other conditions. Chronic sleep problems can lead to extreme daytime fatigue, which means you’re more likely to fall asleep while driving.
Sleep apnea makes heart attacks and strokes more likely because it can cause an irregular heartbeat. You can develop insulin resistance with sleep apnea, which means type 2 diabetes is a strong possibility. Your liver can develop scar tissue that signifies nonalcoholic fatty liver disease.
You may have sleep apnea if you have symptoms such as loud snoring, if you wake up with dry mouth every morning, or if your partner tells you that you stop breathing while you sleep. If you experience those symptoms, you should talk to your doctor.
We Can Help You Find Medicare Sleep Apnea Coverage
Original Medicare will help cover the cost of your CPAP machine, but you may need a Medicare Advantage plan to cover other parts of your sleep apnea treatment. There are many Medicare Advantage plans to choose from, and a licensed agent can help you choose the right one for you. Call us at 844-431-1832or contact us here today.
Contact Us | Medicare Plan Finder
Can you get Medicare Overseas Coverage?
Are you planning a summer trip to Europe? Finally going on an African safari now that you’re retired? We hope you have some great vacation time planned, but we really hope you stay safe while you’re out there enjoying yourself! For the most part, Original Medicare will only cover your care that occurs within the United States (including Puerto Rico, The U.S. Virgin Islands, American Samoa, Guam, and The Northern Marina Islands), so it’s important to think about your healthcare options before you head abroad.
Original Medicare overseas coverage is extremely limited, but you will be covered if:
If you are in the U.S. during a medical emergency but a foreign hospital is closer
If you are in Canada on a direct route to Alaska (and far from an American hospital)
If you’re on a cruise ship and less than six hours from an American port
If you have a Medicare Advantage plan with foreign coverage
If you have a Medicare Supplement with foreign travel insurance
Do you have the coverage you need in case you get sick or injured while you’re out of the United States?
Medicare Advantage Foreign Travel Coverage
Private insurance carriers offer Medicare Advantage (MA) plans to add additional benefits to your Medicare coverage (and may include coverage abroad). Original Medicare only covers hospital and limited medical expenses, but MA plans can include dental, vision, meal delivery, fitness classes, and even foreign travel coverage.
There are thousands of MA plans to choose from, but not all of them include Medicare overseas coverage. MA plans are different in every state, county, and zip code. Reach out to us for more information on what’s available in your area.
Medicare Advantage | Medicare Plan Finder
Medicare Supplements Foreign Travel Insurance
Like MA plans, Medicare Supplement (Medigap) plans also offer coverage beyond Original Medicare. The difference is that MA plans cover medical expenses, but Medigap plans cover expenses such as deductibles and coinsurance. You cannot have a Medicare Supplement plan if you have a MA plan, so it’s smart to talk to a licensed agent to find out which type of plan is best for your budget and lifestyle.
Find Medicare Supplements | Medicare Plan Finder
Medigap plans D, E, G, H, I, J, M, and N may cover up to 80 percent of your overseas costs if you meet the plan’s foreign travel deductible (plans C and F include this benefit as well but will be removed from the market in 2020). The expenses will only be covered if they occur within the first two months of your stay overseas, provided Original Medicare doesn’t already cover them. These Medigap plans come with a $50,000 lifetime limit on overseas travel insurance benefits.
Medicare Supplement Plans Comparison Chart | Medicare Plan Finder
How to Prepare for Traveling Abroad
Unfortunately, our planet is covered in bacteria and viruses that can harm our bodies. Those bacteria and viruses don’t live everywhere, though, which means our immune systems haven’t been exposed to them. Therefore, our bodies don’t know how to fight foreign diseases. That’s why you need vaccinations for foreign diseases before you leave the country.
Visit your primary care physician and tell them where you’re going and how long you’ll be there. Medicare will cover your pre-vacation doctor visit where he or she will give you a list of vaccinations to consider.
Along with getting the proper vaccinations before you travel, your doctor may recommend you bring medications for common illnesses you may find at your destination, or for other things that may ail you during your trip. For example, let’s say you’re going on a tropical cruise. Your doctor may recommend you bring mosquito repellant, sunscreen, and motion sickness medicine.
If you have concerns about serious injuries or illnesses during your vacation, consider purchasing a Medicare Advantage or Medigap plan that has coverage for foreign healthcare. You’ll have peace of mind knowing your treatment will be covered.
We Can Help
If you’re planning on traveling to an area where Original Medicare won’t cover your medical treatment, you might want to consider purchasing a plan with foreign travel insurance. If you have questions about Medicare overseas coverage, call an agent at 844-431-1832 or contact us here. We hope you stay safe and enjoy your travels!
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This post was originally published on June 01, 2017, and was updated by Troy Frink on May 20, 2019.
