Mark Thevenot asked:


Nightmare for Many Senior Citizens - The Donut Hole!

Over 4 million senior citizens, up to 38 % of enrollees, may “go into the hole” financially or, “donut hole”, what insurers and bureaucrats prefer to call the dreaded “coverage gap”. Regardless of what you choose to call it, the Medicare Part D prescription drug coverage gap “donut-hole” can be a real shocker and a nightmare for many senior citizens on fixed incomes.

What is the Medicare Part D donut hole? Essentially, few enrollees are exempt from the coverage gap unless they purchase an expensive Medicare drug plan that offers 100% coverage or are otherwise exempt due to extremely low income. Otherwise, you will have to pay 100% of your drug costs, rather than a small co-pay, once your annual prescription costs reach $2400 and until you pay $3850 out of your own pocket. What costs are added up to reach this $2400 threshold? - the actual cost of your prescriptions basically - add your deductible ($250), your drug co-payments and the amounts paid for your medicines by your Medicare plan. Once these add up to $2400, you are on your own until your out-of-pocket cost reaches $3850. What costs paid by you are added up to reach the $3850, before you can return to making only co-payments for prescriptions? - your deductible, your co-pays in the initial period and payments made by you for covered prescriptions during the gap from a pharmacy in your plan’s network. NOT counted: your monthly premiums, payments for drugs not in your plan’s formulary, drugs purchased from a pharmacy not in your plan’s network, drugs purchased from foreign countries or drugs received from a patient assistance program or free samples from your doctor. * Note: Dollar limits are scheduled to increase yearly.

Why is there a coverage gap or “donut hole” in Medicare Part D coverage?

The simplified answer is the cost of full coverage. Plan advocates had to make choices. Their goal was to give all Medicare enrollees help with their drug costs and expand that benefit for low income enrollees and those with catastrophic drug costs. The estimated cost of a Medicare Part D plan without a coverage gap was far above the total amount authorized by Congress.

What can I do to get through this coverage gap without purchasing an expensive 100% coverage plan?

1.) Ask your Medicare Part D plan administrator if your income is low enough to be eligible for 100% coverage

2.) Apply for prescription assistance programs. Ask your druggist. The manufacturers of many drugs offer these programs as does the Partnership for Prescription Assistance (888-477-2669). Caution: Assistance programs are available only if your income is low enough to qualify.

3.) This is a free program you should certainly check out: Anyone can get a free prescription drug discount card that most pharmacies accept by either printing one at SuperRxcard.com or requesting one by e-mail at info@superrxcard.com. There are similar very good programs that offer prescription discount cards, some may have eligibility requirements and some have enrollment fees. The above has neither. All programs can save you a lot of money depending on your medication.

4.) Use generic drugs whenever available. Use them during you initial period too, not just during the donut hole. Purchasing generics and utilizing the cards mentioned above could keep you from ever falling into the Medicare Part D coverage gap. Be sure to purchase you medicines from a pharmacy that is in your plan’s network.

5.) Contact your Social Security office or your state’s health department to ask if you might qualify for any programs that give extra help if your drug costs are very high.

Medicare Part D is a wonderful thing for most of us. To make it work for you, educate yourself as much as you can about the program. Start by asking your druggist for advice. He should be able to help you select the best plan for your specific needs.

vyasamoorthy asked:


Generally we may expect senior citizens in parks, church, among morning walkers etc. Can you please add to this list?

LESEL asked:


On WETM, in November of this year I heard about a proposed legislation that would make senior citizens with less than 40.000 a year be totally exempt from paying property taxes.

jsav209 asked:


A group of senior citizens was sitting around talking about their ailments:

“My arms are so weak I can hardly hold this cup of coffee,” said one.

“Yes, I know. My cataracts are so bad I can’t even see my coffee,” replied another.

“I can’t turn my head because of the arthritis in my neck,” said a third, to which several nodded weakly in agreement.

“My blood pressure pills make me dizzy,” another went on.

“I guess that’s the price we pay for getting old,” winced an old man as he shook his head.

Then there was a short moment of silence.

“Well, it’s not that bad,” said one woman cheerfully. “Thank God we can all still drive!”

Gerald Lewis asked:


Today,senior citizens are facing bankruptcy at an alarming rate. Why is that?

The two main reasons is simply time and money. Because of increase prices for our normal goods and the fact that seniors are living longer today more that ever before, seniors are out living there money more and more. Sometimes is poor planning, sometimes is higher medical cost or loss of retirement income from company cutbacks, company closings or jobs going to other countries or a combination of all.

But higher prices for ordinary goods and services have hit the senior citizen community very hard. Plus the older we get the harder it gets. The bankruptcy filings of thoes 75 and older has quadrupled over the past several years. This information is from a study by “The Consumer Bankruptcy Project” which examined a sampling of noncommerical bankruptcy filing between 1991 and 2007

Again, what do we do? Many take full time, part time jobs in retail, food service, or other service positions that pay low wages just to help make ends meet.

But more and more of us are turning to the computer and the internet looking to start our own home based business. The internet does not ask how old you are or what is your work history, your background or anything else. It does not care. You get rewarded for what you do and know and nothing more.

But because of our age and for the most part, fixed income,we don’t have a lot of time and money to spend on trial and error. We need to know what we are doing the first time around and build on a budget.

I think most of us, when thinking of a home based business, think of multi level marketing,amway, herbelife, etc. But what they teach, going to meetings, in-home showings, etc, takes the two things we don’t have to waste. Time and money.

Again, where do we go and what do we do? There is a new system in town and it called attraction marketing. When done right, it’s designed so your potental clients will come to you instead of having to go after them. You become the hunted instead of the hunter. This in turn will save us all a ton of both time and money.

Do it right, and where you are to day will be only a bad dream from where you could be or at least well on your way a year or so from now.You deserve the financial safety this means to you. It is also something you can teach your children, grandchildren how to do and let them continue with your success long after we are gone. There is an old saying “you can give a man a fish and he eat for the day, teach him how to fish and he and his family eats evermore. What more could you leave behind.

Thank You

Jerry

Tanya Brown asked:


After years of dealing with the roller coaster of life changes in both your emotional and physical life, you may have thought of giving up on sex after 50. Or, perhaps you have just celebrated your 35th wedding anniversary and the sizzle seems to have fizzled out of your sex life and you just feel too old to recapture it. Well hold the phone! Sex after 50 can still happen, and be even better than ever!

Dealing with the Physical Changes

As we age, especially towards our “golden years”, our bodies change on the outside, but even more drastically on the inside, for both men and women.

For aging men, hormone levels drop significantly, causing sex drives to plummet. The slightest distraction and Poof! There goes the romantic interest you had in your partner a moment ago. Talk to your doctor if you experience erectile dysfunction. Ask about possible sex-related side effects of any medication you may be taking, and inquire about alternatives.

For aging women, natural vaginal lubrication diminishes, the vaginal walls begin to lose sensitivity, and substantial discomfort is often experienced during intercourse. But do not fret! You can purchase a variety of water-based lubricants available in an array of flavors, colors, scents, and performance, some heat up a little to give you a tingling sensation.

5 Great Ways to Spice it Up!

Growing older means more wrinkles, less energy, and having certain parts of your body succumb to that little thing called ahem..gravity. Your low self esteem with regard to your aging physical appearance can affect your sex life. You might feel that you are no longer attractive or that you simply “should not” be doing those kinds of teenage things in the bedroom any more. Change that thought, and try the following suggestions to help you “spice up” your relationship, and your bedroom escapades!

Communicate, communicate, and communicate! - The more you talk with your partner, the more you will learn about each other’s feelings, desires, expectations, concerns; and that will bring you closer to each other, and that is a turn on. So share!

Go on a date - Plan a romantic dinner either at a restaurant or at home. Buy some flowers, have some wine. If you are dining in, light the candles, put on a nice cd instead of the T.V., and the next thing you know you will feel wonderfully drawn to each other.

Try something new - Changing your appearance, even in the slightest way, can spark that libido in your partner again. Get a new hairstyle, buy a new outfit, or change your makeup. It will make you feel more attractive as well. Sometimes, whispering something a little out of character to your partner can arouse those sexual feelings.

Experiment - Don’t be afraid to try new things in the bedroom also - perhaps a new position? There are limitless sexual toys and games available for all ages, so purchase a few and bring some pizzazz back into your senior citizen sex life.

Get to know yourself - Last, but most certainly not least, learn about your own body. You cannot expect your partner to know or guess at what makes you tick. Head to the library and inform yourself, ask your doctor questions, explore your body, and once you have discovered what turns you on, share it with your partner..

As we get older, we need to change our thinking in a positive way to match the changes in our bodies. Instead of fighting the aging process, welcome it, embrace it. Older men and women have a sense of self assuredness that the younger generation has not yet achieved. Seniors know who they are and what matters. This self-confidence is overwhelmingly attractive. Therefore, senior citizen sex should be the pot of gold at the end of the rainbow!

Rati J asked:


I am 40 years old. I want to take Health Insurance Policy for my parents. Age of my Father is 68 & my Mother is 62. Health condition of both of them is good. I have lack of knowledge about Senior Citizens health Plan. I want Comparative Analysis of Senior Citizens Health Insurance to buy.

Kirthy Shetty asked:


If you’re having a retired life and are looking out for a holiday package then, don’t overlook your insurance cover. It’s indispensable to get yourself insured while you travel so that if you happen to fall sick or break down due to some illness you don’t have to incur a huge medical expense in a foreign country. Avert any astronomical medical expenses. Enjoy your vacation. Look out for your options under Senior Citizen Travel Insurance cover.

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Such Insurance covers any illness or accident whilst traveling? You’re at the right place; special insurance policy such as a Senior Citizen Travel’s offers a good insurance cover for senior citizens in the age 65 to 89 years.

Other Travel Insurance covers available are:

Single Trip Insurance:

Cheap holiday insurance is available as and when you need it. Single trip cover is simple to arrange and offered at fantastic prices online.

Annual Travel Insurance:

Ideal for families, annual cover can often be cheaper than arranging single trip insurance every time. Best of all, it means you only have to think about it once and every time you go away you can relax in the knowledge that you’re protected.

Backpackers Insurance:

The longer the trip, the higher the risk of mishap and the more you’ll need to be backed by excellent cover in the event of an emergency.

Online backpackers travel insurance won’t blow your budget and covers a wide range of trips - from a month’s jaunt around Europe to your next global adventure.

Business Travel Insurance:

Business travel can be stressful, infinitely worse if something goes wrong. Stay stress-free with our cost effective and tailor made business travel insurance packages.

Golf Insurance:

Golf insurance is vital, and not only for the reasons you may imagine. In addition to the risk to themselves, golfers can accidentally cause injury to others and even damage to property. An excellent insurance deal may make your next game less expensive!

With Senior Citizen Travel Insurance avail annual multi-trip policies for people up to the age of 79. Over 65 tour insurance policies are designed for mature and retired people in UK looking for good all round holiday cover at a competitive price. Try your online route for more options.

Rati J asked:


I want to buy a Senior Citizens Health insurance policy where there is no requirement of medical test prior to take a policy. The age of my Father is 67. Am I able to buy health insurance policy for him with my requirement?

AIM asked:


I want to establish a service for senior citizens to assist them to remain independent but for those ohi can’t drive anymore, or maybe ill or in need of someone to watch over someone for a few hours. Does anyone have any ideas how I can set up such a business and promote it and if I have to do anything speciall to establish such a business (insurance, etc.)