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Asian Ginseng root (Panax ginseng)
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This product is not intended to diagnose, treat, cure or prevent any disease.
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Male Sexual Vitality Tonic contains:
Chinese Ginseng root (Panax ginseng) (1)(5)
Sarsaparilla root (Smilax (ornate) regelii) (2)(5)
Maca root (Lepidium meyenii) (3)
Cardamom pod & seed (Elettaria cardamomum) (4)(5)
(1) Grown & processed according to the principles of Traditional Chinese Medicine
(2) Custom Wildcrafted in its natural habitat
(3) Grown & sun-dried according to ancient Peruvian Indian methods
(4) Certified Organically Grown
These herbs are never fumigated or irradiated
Contains certified organic grain alcohol (40-50%), distilled water & herb extractives.
Suggested Use: Shake Well Before Using. Two or three times per day take 30 to 40 drops in a little water.
Keep out of reach of children.
*This statement has not been evaluated by the Food and Drug Administration. This product is not intended to diagnose, treat, cure, or prevent any disease
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Even with three available vaccines, COVID-19 is running rampant throughout the U.S. and testing remains essential to preventing the spread of the virus. But things have changed since the early days of spring 2020, when tests were scarce and results took between three and four days to reach patients (if they were informed at all). These days, people have the option to pick up an FDA-approved test at their local Sam’s Club or drug store and swab themselves at home, receiving a result within minutes. While these kits allow for more accessible testing and provide patients with information that could inform the rest of their day—Is it safe for me to go to work today without spreading this virus?—the contexts in which people should rely on these tests vary. VICE consulted with an expert to get a sense of the current home test situation.
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There are two types of tests people can take at home: a self-collection kit or a self-test. A self-collection kit requires a person to collect a sample at home (i.e., stick that swab up your own nose) and mail it to a testing center, which will then process the results and let you know within a day or so. A self-test is one where the user swabs themselves at home and gets results within minutes.
The Food and Drug Administration has issued emergency-use authorizations for a number of prescription and nonprescription self-collection kits and self-tests. Self-collection kits, like the empowerDX COVID-19 Home Collection Kit, have you mail in the sample you collected at home yourself; a lab then performs a polymerase chain reaction (PCR) test on the sample. Tests that are done entirely at home, like the BinaxNOW COVID-19 Antigen Self Test, require you to test yourself; 15 minutes later, you’ll have a result. These rapid, on-the-spot at-home tests are called antigen tests.
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Antigen tests detect viral particles, while PCR tests pick up the coronavirus’ genetic material. PCR tests are the gold standard as far as testing goes, James Zehnder, a professor of pathology and medicine at Stanford Medicine, told VICE. “That’s the best testing,” he said. “But I think it’s good to have alternatives because not everyone has access to those tests.” A PCR test is more accurate and will be able to pick up a positive infection on day one of symptoms, or early on in your infection even if you’re asymptomatic, while an antigen test may not return a positive result until day two or three of symptomatic cases, Zehnder said.
Antigen self-tests (meaning you’re collecting the sample yourself and testing at home and not mailing your sample to a lab for a PCR test) are not as accurate as PCR tests; you’re more likely to get a false negative with these kinds of tests. “The issue with [antigen] tests is that because they’re not as sensitive, it depends on where you are in the course of your infection,” Zehnder said. “The test is less sensitive, so the window for detecting infection is somewhat narrower.” Because antigen tests are less accurate, the self-test kits will include multiple test swabs and instruct you to test yourself twice within a three-day period to ensure you’re not getting a false negative because you’re testing too early before the virus has built up in your system.
In the event that you get two different test results with an antigen self-test, find a testing clinic and get a PCR test to confirm.
PCR tests are highly accurate, so a kit where you’re mailing in a sample to be tested this way will be more reliable, but slower to return results.
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Self-collection PCR tests:
The kits are in high demand, so call a drugstore ahead of time to see if they’re in stock, or order them online. Make sure you’re only purchasing products that mention they’ve been approved for emergency use by the FDA on the box or online product description.
And keep in mind that some tests may not be covered by insurance, so you should double-check on the drugstore or manufacturer website product listing. If you’re choosing to purchase an at-home test, know you’re taking on an extra expense since COVID tests at clinics and sites are free nationwide.
Who should use at-home COVID tests?
The preferred choice for testing is a PCR test at a medical facility or testing site, Zehnder said. But if you’re short on time or can’t make it to a testing center, there are situations where you can use at-home tests, according to the CDC.
Use antigen tests IF:
- You’re vaccinated and have COVID symptoms.
- You’re unvaccinated and have COVID symptoms. (In that case, get tested immediately.)
- You’re unvaccinated and do not have COVID symptoms and have been exposed to someone with COVID.
Do NOT use antigen tests and instead seek out a PCR test IF:
- You’re vaccinated and do not have COVID symptoms and have not been exposed to anyone with COVID. “If you’re vaccinated and you’re asymptomatic, there’s no reason to get tested unless you’ve been exposed to somebody with COVID,” Zehnder said. “There should be a reason for doing the test.” Even if you’re trying to be considerate before meeting a cousin’s new baby, the best home option would be to try a self-collection kit to mail in, which will be far more accurate.
- You’re vaccinated and do not have COVID symptoms and have been exposed to someone with COVID. Fully vaccinated people who have been exposed to COVID-19 should wait three-to-five days before getting tested at a testing center or doctor’s office.
In short, at-home antigen tests are a good option for people who are symptomatic or know they have been exposed to COVID-19, Zehnder said. They’re not so good if you’re asymptomatic.
When is an at-home test the best option for me?
People who don't have easy access to a testing center can order a self-test or self-collection kit online and get it shipped to their home, allowing for folks in remote or rural areas or who can’t easily travel to get tested without hopping in the car. Home tests can also be helpful for people who live someplace where testing centers are really backed up. Meanwhile, people who meet the criteria above and who are looking for results within minutes may opt for antigen self-tests. For example, if you can’t afford to take off a shift from work to find a testing site and wait for results, an at-home antigen test will deliver results within a few minutes. If you test positive, you know to stay home. But if you test negative the first time, it doesn’t necessarily mean you’re in the clear, so you should still wear a mask and keep your distance from others until you’ve tested negative again.
How do I perform a home COVID test?
Each kit will have different instructions, so read them thoroughly before you start. The number one way to ensure you get an accurate result is to closely follow the test kit’s instructions when collecting your sample. Depending on the test, you’ll either need to swab your nose or collect saliva.
Be sure to wash your hands and sanitize the table, countertop, or surface where you’re opening the kit before you start.
For a test like BinaxNOW COVID-19 Antigen Self Test, open the test card, drop the testing solution into the appropriate slot, swab your nostril, place the swab into the solution, and wait 15 minutes for the result.
Test-by-mail specimens should be shipped the same day you collect your sample.
I tested positive—now what?
If you get a positive result from either a test-by-mail or rapid antigen at-home test, you’re most likely infected. The CDC recommends informing a healthcare provider or local health department if your self-test results come back positive. Other healthcare providers may tell you to visit a testing site for a PCR test, Zehnder said. If your self-test has an app, report your positive result there, too. Isolate and tell your close contacts you’ve tested positive for COVID-19.
I tested negative—am I good to go?
People who received two negative antigen test results or one negative test-by-mail PCR result should feel confident they don’t have COVID-19 and can go to work or interact with others. (Remember: antigen tests come with more than one test that you administer over a couple of days to ensure you’re not getting a false negative.)
According to the CDC, even those with symptoms who correctly followed the self-test directions and got a negative result can rest assured they don’t have COVID-19. (It could just be that cold that seemingly everyone has come down with this summer.)
But should I really trust the results?
It depends. If you lost your sense of smell and have a fever and a cough and got two negative results on an at-home test, it could be a false negative, Zehnder said, so you should behave as if you’re infected and get a PCR test at a medical facility or other site. If your self-test comes back positive, either contact your town or city’s department of health or your physician who can tell you either to self-isolate or get another test.
At the end of the day, Zehnder said you should approach testing based on your circumstance. “If you’re not exposed to a lot of people and you’re working at home and you don't have contacts outside your family, you have to use common sense if you’re fully vaccinated,” noting that breakthrough cases among vaccinated people remain rare.
The bottom line is, at-home antigen tests are pretty good for telling symptomatic people if they’re infected with COVID-19. And that you can trust.
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How we researched BetterHelp and Talkspace.
Prior to we advise a telehealth service, it goes through a vetting process where we think about some of the list below elements:. 7Cupsoftea Vs Betterhelp
Clinician certifications. Are the therapists accredited, accredited clinicians? Do they hold a master’s or postgraduate degree? How many years of experience do they have?
Is the service cost-effective? If not, do they keep the costs affordable?
User reviews. Are current users happy with their individual therapist and the service in general?
Relieve of use. Does the website look professional, and is it simple to navigate? Is it easy to discover the answers to your questions?
Accessibility. How frequently can you check in or contact your therapist? Are the customer support representatives responsive?
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What is BetterHelp.
Betterhelp is self-described as the world’s largest therapy platform.
The service deals with a large network of licensed psychological health specialists who specialize in a vast array of conditions, including:.
stress and anxiety.
Given that 2013, the online platform has actually linked more than 2.7 million users with licensed therapists through:.
The service will set you up with a certified therapist within about 24 hr after submitting your questionnaire.
Cons and pros.
BetterHelp is a reputable treatment service with a large network of mental health professionals.
You’re matched with a therapist within a day and can switch quickly if you discover that the therapist isn’t a good suitable for you.
Your membership offers at least one live video session per week in addition to endless messaging.
Monetary help is readily available to some customers.
It’s possible to remain anonymous with your therapist.
BetterHelp uses a 7-day complimentary trial.
The service is available in the United States and the UK.
Your therapist is chosen for you based on an algorithm (though switching is possible).
BetterHelp does not accept insurance.
BetterHelp does not offer psychiatric services (medication management).
BetterHelp therapists are not allowed to diagnose conditions.
In April 2022, Mozilla offered BetterHelp a * privacy not included label, raising issues about its privacy and security steps.
If you want to learn more, consider reading our thorough evaluation of BetterHelp.
What is Talkspace.
Talkspace is another reputable therapy platform offering text-based treatment with optional live video sessions. Founded in 2012, Talkspace says they have actually served more than 1 million users.
When you register, you can message your therapist 24/7, and they’ll respond at least once a day, 5 days a week.
In addition to talk therapy for adults, Talkspace offers:.
couples (relationship) therapy.
teen therapy for ages 13 to 17.
Cons and pros.
Betterhelp Expense UK vs. Requirement UK Therapy.
Compared to standard treatment costs, Betterhelp costs UK are a significantly more affordable alternative for those in search of quality treatment.
Your common cost for a regular in-person therapy session will run you about , 50- , 80 per hour, while specialists may cost , 150+ an hour.
Comparably, Betterhelp uses professional treatment for , 50- , 80 for an entire week’s worth of unlimited talking with your therapist. Essentially, the expense of one standard treatment session is equivalent to a whole month’s worth of treatment on Betterhelp.
Betterhelp Rates UK and Payment Choices.
You might still be asking yourself “Just how much does Betterhelp cost UK”, so let’s break down the prices, billing, and payment choices for the platform.
The standard price of therapy through Betterhelp will cost you in between , 50- , 80 per hour. The rates might differ due to a couple of different factors; your area, your preferences, and your therapist’s schedule. The cost includes one treatment session per week, and it is automatically billed to you every 4 weeks.
Betterhelp does not take any personal medical insurance or acknowledge totally free government helped healthcare. You should pay the expense straight to the company.
Financial Assistance Options:.
If the Betterhelp prices UK are too costly, you may apply for financial aid for a rate reduction through the company. Individuals generally thought about for monetary aid are: trainees, veterans, or those on subsidized governmental help.
Betterhelp’s Straightforward Enrollment Process.
Signing up for Betterhelp is easy and quick. You need to first submit a brief questionnaire on the website that will ask you a range of various questions. Questions on the study cover existing lifestyle factors (consuming, sleeping, and so on) and mental health routines (feeling depressed, distressed, etc) The survey also conveniently asks concerns that will match you up with the best therapist. You will be asked about specific preferences you have for a therapist, such as the therapist’s gender, age, or sexuality. In addition, customers may pick either specific, couples, or teenager treatment choices to much better suit their needs.
As soon as signed up, Betterhelp matches you with a therapist using the company’s checked algorithm. This procedure can take anywhere from a couple of hours to a few days depending on your therapist choices and therapists schedule on the platform.
Members can cancel whenever they desire and why they desire with no explanation required.
Why Betterhelp is the very best Provider for Online Treatment.
Betterhelp is the biggest online treatment network in the world and has actually helped millions of individuals. It is a remote, online-therapy option that supplies individuals with cost effective therapy from certified professionals.
The Betterhelp expense UK includes live chat, messaging, telephone call, video sessions, or group webinars. Users of the platform have the chance to change their preferred function whenever necessary, however often times they desire. The length of the treatment sessions will usually be around 30-45 minutes, depending upon what your therapist and yourself agree on.
TheBetterhelp cost UK has competitive rates for treatment and likewise uses financial-aid choices.
The Betterhelp platform is aligned with the most recent WCAG (Web Material Accessibility Standards) at the AA level, on both its website and mobile app.
Betterhelp uses cutting-edge innovation in order to secure your personal privacy and the information you offer to the business. Everything you inform your therapist is personal and messaging in between them is encrypted. Furthermore, if desired you might erase previously sent out messages between you and your therapist whenever you ‘d like. You may inform this to your therapist and they will send you an authorization form if you would like to have some of your details launched to a third-party.
Who are the Therapists? 7Cupsoftea Vs Betterhelp
All therapists on Better Aid are certified psychologists (PhD/PsyD), licensed marital relationship and family therapists (LMFT), certified medical social workers (LCSW/LMSW), or certified expert therapists (LPC). Due to the business’s strenuous employment process for therapists attempting to sign up with the platform, only about 20% of those who apply will be accepted.


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- Quality: The quality of the oil plays a significant role. High-quality, pure essential oils that have been properly stored tend to have a longer shelf life compared to lower quality or adulterated oils.
- Storage conditions: Essential oils are sensitive to heat, light, and air exposure. They should be stored in dark glass bottles, tightly sealed, and kept in a cool, dry place away from direct sunlight and extreme temperatures. Exposure to heat and light can cause the oils to oxidize and degrade more quickly.
- Type of oil: Different essential oils have varying chemical compositions, making some oils more stable than others. Essential oils with higher percentages of monoterpene compounds (such as citrus oils) tend to have a shorter shelf life, while oils rich in sesquiterpenes (such as sandalwood or patchouli) have a longer shelf life.
- Carrier oils: If an essential oil is diluted in a carrier oil, the carrier oil can affect the overall stability and shelf life. Carrier oils with a shorter shelf life, such as grapeseed or sunflower oil, may impact the longevity of the essential oil blend.
It’s important to note that over time, essential oils may gradually lose their therapeutic properties and aromatic qualities. They may also undergo physical changes, such as thickening, darkening in colour, or developing a rancid odour. These are signs that the oil has likely expired and should be replaced. To ensure the longevity and quality of your essential oils, it’s recommended to purchase from reputable suppliers, store them properly, and check for any signs of degradation before use.
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Once you reach the age of 65, the odds are good that your medical needs will begin to increase. You may need to visit the doctor more often, receive more outpatient care, and you may even require an occasional hospital visit. However, for most people on a fixed or retired income, meeting these medical needs can be financially stressful. For this reason, the federal Medicare program exists. The base of the program, Parts A and B, cover the increasing need for doctor’s visits and hospital stays for elderly individuals who enroll in the program.
Coverage and Benefits
The program is designed to keep costs down while covering most of what retirement age individuals require to maintain good health. Part B, which covers things like doctor office visits and outpatient treatment, has a fixed monthly premium, as well as a yearly deductible for all enrollees. Part A might be free if you have a 10-year employment history (a total of 40 quarters in all). However, if your cumulative work history amounts to less than that, you may have to pay additional fees for Medicare Part A and its associated hospital visit coverage.
Once you qualify for Medicare, you will have a big decision to make: do you accept Part A benefits only, or do you accept and pay for Parts A and B together? Sometimes, Part B coverage is optional. This includes things like doctor visits, outpatient procedures, and certain medical supplies. Part A coverage, on the other hand, is reserved for hospital treatments and end-of-life care.
Beyond Medicare Parts A & B, your ability to reject Part B benefits may be compromised depending on what other types of coverage you need. People who need many different types of coverage sometimes choose a Medicare Advantage (Part C) plan instead. These plans, however, take away the optional nature of Part B. You will receive those benefits no matter what. You will also have to buy Part B coverage if you instead decide to stay with Original Medicare but want to purchase Part D prescription coverage.
|Medicare Part A (Hospital Coverage)
||Medicare Part B (Medical Insurance)
|Medicare Part C (Medicare Advantage)
||Medicare Part D (Drug Coverage)
What Type of Medicare do Kansas Residents Have?
There are 448,215 Kansas citizens 65 or older currently taking advantage of the Medicare Program. A modest 13% of those (or 58,267 individuals) have effectively replaced their Original Medicare (Parts A and B) with a Medicare Advantage policy. And additional 44% (or 196,048 beneficiaries) have chosen to supplement their Medicare with a Medigap policy (we’ll talk more about those later). Finally, the remaining 43% (192,732 people) have either decided to hold off on supplementing their Medicare coverage, or have some other form of supplement policy, perhaps through an employer.
Are you enrolled in Medicare yet? You can’t start looking for a Medicare supplement until you are. For more information, click the link above.
Why Should Kansas Residents Supplement Medicare?
Well, the issue goes beyond just Kansas. Anyone age 65 or older who has successfully enrolled in Medicare Parts A and B should seriously consider supplementing their Medicare coverage. As comprehensive as the plan tries to be, it doesn’t quite cover everything. And the things it doesn’t cover can cause you some serious financial trouble if you aren’t prepared to pay for:
|Medicare Part A Costs in 2022||Medicare Part B Costs in 2022|
If you are relatively new to the Medicare program and are already in fairly good health, you may not think that a supplement policy is necessary. That may be true for now, but you can’t predict what sort of health problems may develop later on down the road. Most prefer to put such worries at ease with either a Medicare Advantage plan, or a Medigap policy. We’ll go into the pros and cons of each plan now.
The rolling prairies of Kansas make this state a beautiful place to live, even in the face of rising healthcare costs. Senior citizens are especially vulnerable to these rate hikes because they no longer have a steady income, but their health care needs are constantly increasing. Some companies have stepped in to try and help seniors manage their health care costs during their retirement years. These companies sell different forms of Medicare supplement insurance to protect you from coverage gaps.
Yes, there are many gaps in traditional Medicare coverage which can become very expensive if you are not careful. There are gaps in both Part A, and Part B of Original Medicare. Extended hospital stays, blood transfusions, and mounting coinsurance payments are just a small part of those gaps. But they can take a large chunk out of your savings if you do not protect yourself against them.
Thankfully, these Medicare supplement plans are an affordable solution to taking on these massive expenses on your own. You can purchase a policy which protects you from the gaps in coverage alone, or you can go for something more complex which offers you additional coverages. Depending on your personal circumstances, when plan maybe better than the other. It’s up to you to make the decision.
The predominant players in the Medicare supplement insurance industry are either Medigap policies or Medicare Advantage plans. With Medicare Advantage, you purchase a private policy from a health insurance provider who promises to give you at least the same benefits you would get from Parts A and B of Original Medicare. Medigap supplement insurance, on the other hand, only covers the gaps in Original Medicare. But because these plans cover less, they are easier to understand and they tend to have a lower price tag, too.
Kansas Medigap Plans
“Medigap” policies are the ten government-approved Medicare supplement insurance policies designed to protect you from the costly “gaps” in your Medicare benefits (hence Medi-“gap”). Plans A, B, C, D, F, G K, L, M and N are available in all 50 states, including Kansas, and each plan provides the exact same benefits as outlined in the table below. The only thing that varies are cost, and provider. Otherwise, each plan is exactly the same, regardless of your location.
Top Medicare Supplement Plans in the Area
|Type||Starting From||Part A Deductible||Part B Deductible||Excess||Nursing||Travel|
|F||$127||$0||$0||100% Covered||100% Covered||100% Covered||Request Info|
|C||$99||$0||$0||Not Covered||100% Covered||100% Covered||Request Info|
|G||$100||$0||$147||100% Covered||100% Covered||100% Covered||Request Info|
|B||$108||$0||$147||Not Covered||Not Covered||Not Covered||Request Info|
|N||$89||$0||$147||Not Covered||100% Covered||100% Covered||Request Info|
|D||$116||$0||$147||Not Covered||100% Covered||100% Covered||Request Info|
|A||$130||$1||$147||Not Covered||Not Covered||Not Covered||Request Info|
|L||$81||$304||$147||Not Covered||75% Covered||Not Covered||Request Info|
|K||$55||$608||$147||Not Covered||50% Covered||Not Covered||Request Info|
|M||$105||$608||$147||Not Covered||100% Covered||100% Covered||Request Info|
Kansas Medicare Advantage Plans
Medicare Part C, which is more commonly referred to as Medicare Advantage, is another form of protection against the expensive gaps in Traditional Medicare coverage. By law, each Medicare Advantage (MA) policy has to give you the exact same benefits as Traditional Medicare. Some plans offer even more, such as vision, dental, or prescription drug coverage, in order to bring in more clients. But once you sign up for your MA plan, you transfer power from the federal government over to a private health insurance company with respect to your medical needs and benefits.
Those who sing the praises of MA admire the simplicity of only having to deal with one single company, as opposed to both a Medicare supplement insurance agency and the federal government. However, make sure that your current doctor (or doctors) are also a part of any MA network you might want to sign up for before purchasing a policy. Many HMO and PPO Medicare Advantage networks are restricted, and you might end up switching doctors if you don’t do your homework first.
Not sure whether you need a Health Maintenance Organization (HMO) or a Preferred Provider Organization (PPO)? The Medicare Advantage plan you choose will be a significant determining factor, among other things.
Comparing Medicare Advantage and Medigap Side-by-Side
The biggest difference is the amount of coverage you can get with each plan. Not only will Medicare Advantage offer you the same benefits as Medicare Parts A & B, but you can add things like prescription drug coverage, gap coverage, dental, or vision. Of course, as with any insurance policy, the more coverage you buy, the more you have to pay each month. Things become more expensive still the more you use it. Medigap is much simpler: it covers some or all of the coverage gaps of Original Medicare, and charges you one low monthly fee for your trouble. Unfortunately, prescription drug coverage is separate.
For certain seniors, Medigap policies have several advantages. Even the most basic plans will protect you from tens of thousands of dollars in costs you may incur from the gaps in Part A. With Part B, the more comprehensive plans take care of co-pays, coinsurance, and monthly premiums. You can even get benefits for foreign travel medical care. And all of this only requires one monthly premium.
Conversely, things are very different with a Medicare Advantage plan. These packages start with the same benefits you would get from Medicare Parts A and B. From there, you have the option to add coverage which will protect you from Medicare’s gaps. Even further still, you can add insurance to protect your eyes, ears, and teeth. Prescription drugs coverage is separate, but can be added to the same policy.
Just keep in mind that larger, more comprehensive insurance policies will naturally cost you more money. With Medicare Advantage, this isn’t just a more expensive monthly premium – this can also increase your costs as far as coinsurance, co-pays, and other out-of-pocket expenses are concerned. Furthermore, there are fewer guarantees that you will remain covered as you age and your health care needs begin to change. Lastly, Medicare Advantage plans are not as widely accepted by doctors or medical facilities as Medigap insurance. All of these factors must be carefully considered before you make such a substantial purchase.
We are sure you probably have more questions. We are here to help. Feel free to contact one of our representatives. They have the information you need to make the best decision possible and to find you an affordable quote for a Medigap policy in your area.
It’s hard to say which form of coverage is the superior policy. What works well for some might be too complicated or expensive for another. Below, our Frequently Asked Questions will highlight exactly how Medigap and Medicare Advantage are different from one another:
|Questions||Medicare Advantage||Medicare Supplement|
|How are expenses covered under each plan?||For the most part, the government will pay a large chunk of your premium. Any remaining unpaid premiums, deductibles, or other typical insurance expenses will be your burden||You will need to pay a low monthly premium. You may also need to pay for certain amounts of coinsurance or co-pays assuming you purchase a less comprehensive plan|
|Will I still have to pay for Part B?||Yes||Yes|
|What will it cost me?||The more you use your insurance, the more it will cost you. It may start out more affordable if the government pays for 100% of your monthly premium; but doctor visits, hospital treatments, and medical supplies could send your costs going up from there||For starters, you will have to pay a monthly premium which many seniors find affordable. Comprehensive plans like Plan F pay for your Medicare deductibles and coinsurance; less comprehensive plans may leave those expenses up to you|
|What will the plan cover?||Optional coverages include dental, prescriptions, vision, and Original Medicare gap coverage. At the very least, however, you will get the exact same coverage as you would with Medicare Parts A & B||Medigap policies are targeted to protect you from the gaps in your Medicare coverage. They don’t provide dental, vision, or prescription drug coverage|
|Is it easy to budget my health care expenses?||It can be difficult to budget on a Medicare Advantage plan if you have high maintenance healthcare needs||A Medicare supplement insurance policy makes budgeting easier. You know you’ll have to pay the same low premium each month, and you’ll know how much your other premiums, co-pays, and coinsurance expenses will be based on the coverages your policy offers|
|Is my plan guaranteed? Or can it be cancelled?||Your provider may cancel your coverage at any time at their discretion. They can also change your rates whenever and by however much they feel appropriate||Your coverage can only be cancelled if you no longer qualify for Medicare, if you stop paying your premiums, or if your provider becomes financially unstable|
|Do I have to clear a pre-approval or pre-certification process?||You will be pre-screened by the private insurance companies standards, and you may be rejected if they think you will be too expensive to cover||Any senior who qualifies for Medicare benefits will automatically qualify for a Medigap policy|
|Am I limited to specific doctors or hospitals?||Medicare Advantage is sometimes more affordable in large cities because the restrictive networks limit care to only the most affordable doctors and hospitals||Medigap insurance is universally accepted wherever you can get medical care via Medicare|
|What type of plan is best for me?||Recently retired city-dwellers with reasonably good health can be expected to save a decent amount of money with a Medicare Advantage plan||If you don’t live in a high density population area, if your health care needs are more demanding, and if you are farther along in years, you may want to look more closely at a Medicare supplement insurance policy like Medigap|
Resources for Kansas Medicare Beneficiaries
We’ve included a directory of Medicare supplement resources and contact information below relevant to all Kansas residents. Managing your health care needs is a highly complicated and personal issue. This article alone can give you helpful and informative knowledge, but it cannot answer all of your questions. Contacting the offices and agencies below, however, can also help:
Choose at least one topic area you are interested in: Select All
Help with my Medicare options & issues
Other insurance programs
Complaints about my care or services
General health & health conditions
Claims & billing
Health care facilities & services in your area
Important Medicare-Related Healthcare Terms
- HMO: Health Maintenance Organization, this refers to a network of doctors and hospitals with a plans’ network.
- PPO: Preferred Provider Organization, this refers to a network of doctors and hospitals with a plans’ network.
- Co-Pay: Amount of money charged per visit to doctor, specialist, etc.
- Co-Insurance: A percentage required by the policyholder to pay out-of-pocket. For example, 80/20 coinsurance means the insurance company will cover 80% of the charges, and the policyholder pays the remaining 20% of the charges.
- Deductible: This is the amount of money required out-of-pocket by the policyholder before the insurance will kick-in and pay for any remaining charges. For example, a policy with a $1,000 deductible means that you must pay full healthcare costs out-of-pocket up to $1,000 before the plan will start coverage.