Medicare is national health insurance in the united states. It began in 1996 under the social security administration (SSA) and now administered by the center for medicare and Medicaid Services (CMS).

The insurance provides health insurance for Americans aged sixty-five and older, younger people with disabilities as determined by the social security administration. Last year, it was recorded that Medicare provided insurance for over 59,9 million people. On average, it covers half of the healthcare expenses of those who enrolled.

Medicare is funded by a combination of a payroll tax, beneficiary premiums, and surtaxes from beneficiaries, co-pays and deductibles, and general united states treasury revenue.

Medicare comes in four parts:

However, there will be a change that will give medicare advantage 2020. Starting in 2020, there will be no first-dollar coverage plans available to those who are considered eligible for medicare.

The three medicare supplement plans considered first-dollar coverage are; plan C, plan F, and high deductible plan F.

The reason why the first-dollar coverage plans are being discontinued is that some members of congress believe that medicare beneficiaries are over-using healthcare services.

To keep the system effective, these are some of the steps that you can do to keep your pockets safe if you are eligible for Medicare after 2020;

Aside from eliminating three plans, medicare is also planning to introduce another plan; High deductible plan G. It will more likely to have the same deductible amount with the high deductible plan F. However, the HDG policy requires the beneficiary to pay the part B deductible, which cost $185 annually. Although the benefit of the policy is not yet available, it is expected that the deductibles need to be met before coverage begins.

If you are eligible for the plan, you are still able to choose plan C, plan F and high deductible plan F. You are also allowed to upgrade to high deductible plan G.

The plan of eligibility for Medicare is going to be lowered as well to cover a much higher number of senior citizen that has not yet reached sixty-five. 

First for let’s have a little bit of introduction on what this exactly is. Remember this is more of an introductory content rather than informative. This is because before getting into all the informative and statistical staff regarding the financial factors you need to know what this exactly is and why do you need it and why that it is being recommended to you so that you can be benefited.

Have the proper information on this sector

To be a little more educational this term Medicare advantage is rather also likely to be known as Medicare part c by which it is made possible for people with Medicare part a which is basically the hospital insurance and also with part b which is the medical insurance to receive their medical benefits in such a manner that it works as an alternative way. This type of plans is usually offered by the companies which are operated by private authorities that are contracted with Medicare and provide mostly securing at least a basic amount or a basic level of coverage that is usually given by Medicare part a and part b.

Why you should consider Medicare advantage plans?

Ok now first of all if you to get into an advantage plan then you may continue to pay your part b premium and also along with pay and additional premium. This basically determines the Medicare advantage plans total rate which can more likely vary from one Medicare Advantage plan to another Medicare Advantage plan that is existing in the current market. along with another beneficiary side is that a medical advantage plan of such type also helps limiting your maximum out of pocket expense so that once you have done spending that maximum amount you would have to pay nothing for covered medical services for the remainder of the year and this is quite helpful for your current financial state and also maintaining the proper credit balance of your total financial account.

What actually is Medicare Advantage Plans?

Medicare Advantage Plans are basically known as part c or even m plans which are offered by many private companies that are approved by Medicare. and basically, if you join a Medicare advantage plan program it is more likely that the plan would rather provide all of your Medicare part a and also along with the part b coverage. Most of the Medicare advantage plans of extra coverage somewhat like for problems regarding your eyes or even your ears or even any dental issues. This is already be proved to be beneficiary towards the current users of the insurance market as a medical prescription also covers the drug part. While having all the features inside it also there is another thing in addition to the part b premium version and that is that the user or another word if you are using it then you usually have to pay a monthly amount of premium for the total advantage plan and you get to choose your own plan that suits you the most with your cost.

Yes, it is very possible to receive Medicare coverage for your child. Most people believe that Medicare does not offer coverage for family members which is true but there are certain specific situations where it might be possible to get coverage for your child. Stay right here and get to learn all about the Medicare coverage for children.

But before we get to that, did you know that there are new Medicare advantage plans for 2020? There will be changes that are going to affect those who will be enrolling for Medicare as from next year and probably for the future generations. When the Medicare advantage plans for 2020 takes effect, there will be introduction of a new plan G which will be very beneficial but that is a topic for another day. Let us get back to our topic of discussion.

Medicare coverage for children

Your children are eligible for Medicare if they meet certain conditions or if they are in certain situations. It happens mostly if the child is critically ill. Your child will be eligible for Medicare if:

• If he has a renal disease at the end stage and he is receiving SSA benefits as of now, the child can be eligible for Medicare.
• If your kid is suffering from ESRD that he requires some dialysis from time to time, or kidney transplant then he or she might qualify for Medicare.
• If your child has a disability that results from entitlement of social security disability insurance payments, it is possible that he gets Medicare.

For him to qualify for Medicare, he must have received the social security disability insurance benefits for not less than two years. If your child is over 20 years, then to apply for Medicare he must be disabled, and have been receiving the disability benefits for more than 24 months (2 years). Meaning that he will qualify for Medicare just before he turns 22.

Relationship requirements that must be met for your child to qualify for Medicare.

• It is a must that the child is related to you either by birth or you have adopted him legally.
• Some exceptions might be made if the child is your stepchild for more than one year.
• The benefits will still be available for your adult children but they must remain disabled and should not get married, that is if your child wants to continue using the benefits of Medicare.

Medicare waiting for children

Once your child qualifies for Medicare and you apply successfully there is usually a 2 to 3 year wait for the ones with disability. And if your child is born with Disability you will have to wait until his or her second year birthday, and from now he can start receiving Medicare. But for children suffering from Lou Gehrig’s disease or end stage renal disease, there is normally no waiting period.

Your kid will be eligible for Medicaid if he does not have any disease or severe/chronic condition. Medicaid is an option for the kids who are at the federal poverty level of 133 percent but it is not always like that because in most states, children that are at families with higher income levels are covered too.

Your child will also be eligible for the children’s health insurance program (CHIP) which was created to provide the insurance benefits to all children through Medicaid or certain CHIP programs. The CHIP program usually covers the child until he or she is 19 and from there he can qualify for Medicaid.

 If your child is disabled but he is capable of working, he will undergo a trial work period of nine months. And if he continues to work after the 9 months, then he or she will enjoy the Medicare for the following 7 years or it can be more. After the 7 years, he will be considered a Medicare enrollee, not a Medicare beneficiary. This means that he or she will need to pay in order to continue using Medicare coverage. 

These are different types of chastity cages that will help you as a man to practice chastity. If you decide to choose to practice for your own good reasons, you will first want to know which types of chastity cages that are available that you can use to achieve your desired results. These are some of the common types of cages that you can check out to determine which one can be best for you in terms of being comfortable.

Open ended chastity cages

The name says it all, these types of chastity cages are open at the end. By some they are considered to be more comfortable to wear compared to other types especially if you are using them for a longer time, though we tend to disagree as the end of your cock can be irritated on any clothing that you wear. The opening at the end of this device gives you just the same feeling and works like your penis works. The only difference is that this cage won’t allow you to erect. However this type of cage won’t prevent stimulation 100 percent because the head of the penis can still be accessed, which is great for tease and denial play. You could run your nails over the head or even put a vibrator on it to stimulate it.

Open tip chastity cage

The name given to this indicates the main characteristic of this type of cage. The only opening that is on this cage is the one that allows you to pee. With this cage there is almost zero stimulation of the penis that comes from touching as only the testicles are acceptable, which can also be fun to tease and play with. The only problem that comes with this device is the difficulty in cleaning because the hole is very small. Regularly removing it to make sure that you remain clean is important, which could remove the thrill of being caged for some.

Fully enclosed chastity cage

This cage does not have any holes at all, so your member is completed enclosed within the device. This can be a hard one to use for a long time as you have no access to urinate or clean yourself. They are only recommended for a short time use, like if you are playing some kinky games in the bedroom or at a female domination play event. The problem with this device is that when used for a long time they can be very uncomfortable, as has been mentioned previously, unhygienic. Compared to an open tip device, especially those that have an opening at the tip, this should only be considered for short term wear.

Prison bar chastity cages

This is a type of a chastity cage where a penis is not full enclosed; it is only locked up in a cage that has numerous rings or bars down the shaft. It is a very easy one to clean and very comfortable to wear too. The penis will get fresh air, which will not allow bacteria to form like in the other enclosed cages. The spaces between each bar will vary according to different cages. Cleaning yourself can be very easy; you can use ear buds or Q-tips and clean the penis through the bars with mild soap. Alternatively, you can shower with the cage still on, but please make sure that it’s made from a waterproof material like stainless steel or polycarbonate plastic to prevent it rusting or falling apart.

In this type of chastity cage, the penis can be stimulated easily because it can be touched, however it also does not allow the penis to become erect.

If you are looking to get into a long term, committed chastity lifestyle, you should consider choosing the one which is more comfortable, easy to clean and sits without restriction under your daywear clothing. An internal locking system also helps to keep the device discreet as it’s less bulky than a padlock.

Health insurance works by protecting your assets from the high cost of medical care. The united states currently are one of the countries with the highest healthcare cost. Without health insurance, if any of your family members fall ill, you can be exposed to the risk of losing your entire assets only with one bill.

Reason

Health insurance is necessary for Americans to pay for the high cost of health care. You will need it unless you are very wealthy, over 65 (you will be covered by medicare) or very poor (you will be able to qualify for Medicaid).

Everyone else will have to purchase health insurance in order to protect themselves from the risk of medical bankruptcy.

Choosing your health insurance

There are many health insurance companies that provide a lot of choices. There are a couple of important requirements that you have to pay attention to in order to keep you and your family ready for health insurance 2020:

The affordable act stated that out of pockets payment can not exceed $6600 for individuals or $13,200 for a family.

It can be quite complicated for you to pick the right insurance plan. A healthy person might want the lowest premium possible and a higher deductible.

History of health insurance

If you are asking for the reason that Americans are so dependable for medical care, it all happened after world war II. Before it, most Americans had no health insurance. The policies that existed only covered the cost of the hospital room and board.

After the war, however, the federal government instituted a wage freeze to curb inflation. But because that also implies that most of the companies can not raise the wages of their employees, they introduce additional benefits such as health insurance.

Now, there are many other systems that are adopted by other countries. Most of the European countries have adopted universal health care, where the government would pay for health care. The downside of this system is that it takes a long time to see a specialist or receive a non-emergency operation. However, by using this system, no one should have to worry about dying from a disease because they can not afford treatment.