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Avoid These 10 Mistakes When Buying Auto Insurance
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Avoid These 10 Mistakes When Buying Auto Insurance

One of the biggest lapses you can make as a car owner is not getting car insurance. However, it is important to avoid buying the first insurance policy you find. As purchasing a car is a huge decision, you should avoid leaving it unprotected, and getting auto insurance also helps you avoid hefty fines. Before getting the car insured, you should do your research, find the best provider, and avoid the following mistakes. Not comparing policies You should get quotes for multiple auto insurance policies offered by various providers. If you don’t compare the premium amount and coverage, you might end up getting an expensive policy with inadequate coverage. So, exploring all options is a crucial measure for getting a good deal. It is also important to analyze the benefits and costs and avoid making a decision until you have checked out multiple policies. Not updating the policy One of the most common mistakes car owners make is forgetting to update their auto insurance policy. For instance, if you don’t add your teenage driver to the policy and if your child continues to drive the car, you might have to face legal consequences in the form of penalties or trouble seeking insurance money.
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7 Mistakes to Avoid When Signing Up for Medicare
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7 Mistakes to Avoid When Signing Up for Medicare

Medicare is a federal health insurance program for people who are 65 or older. It is also meant for individuals with disabilities or end-stage renal disease. So registering for the program could help cover various healthcare costs if and when required. However, one could overlook key details when signing up for Medicare, and the amount they pay may exceed the benefits. So, here are a few common Medicare mistakes to avoid during enrollment: Not signing up on time Delaying signing up for Medicare can slow down the entire process. When approaching age 65, one should enroll during the initial enrollment period (IEP). The seven-month enrollment timeframe includes three months before one turns 65 and three months after. If one does not sign up during the IEP, they will get another opportunity to do so during Medicare’s annual general enrollment period (January 1 to March 31 each year). But given the late registration, the monthly premium for Medicare Part B, which covers doctor visits and other outpatient services, may cost more. So, those who sign up during the general enrollment period may incur a late fee. Not considering out-of-pocket costs Although Medicare usually covers a large portion of healthcare costs for those enrolled in the program, there are certain expenses that one might have to cover themselves.
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11 things excluded from Medicare coverage
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11 things excluded from Medicare coverage

Medicare is a federal health insurance program for people with certain disabilities and people over 65. Original Medicare has two main parts: Part A, which covers the cost of inpatient services, and Part B, which covers the cost of outpatient services and certain medical equipment. Although the program is meant to ease the financial burden of medical costs on people, it can be quite complex to navigate. This article explores 11 things that are excluded from Medicare coverage. 1. Medically unreasonable services and supplies Any services and supplies deemed unnecessary or unreasonable for diagnosis or treatment are not covered by Medicare. These may include: Services that could have been furnished at a lower-cost setting (such as at a nursing home) Services that exceed Medicare length of stay limitations Excessive therapy or diagnostic procedures Unrelated screenings, tests, examinations, or therapies (that the patient has no symptoms for) Unnecessary services based on patient diagnosis, such as transcendental meditation Exceptions to this rule include Medicare preventive services, transitional care management, chronic care management, and advance care planning. 2. Opticians and eye exams While Medicare covers ophthalmologic expenses (such as cataract surgery), it does not cover the cost of most vision services, including eyeglasses and contact lenses or routine examinations for prescription and fitting.
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Burial insurance – Types, coverage, and things to consider
insurance

Burial insurance – Types, coverage, and things to consider

Burial and funeral are sensitive things to speak about, but one must understand certain elements of it. One important part of the process is burial insurance (funeral or final expense insurance). The insurance option covers the deceased member’s funeral, burial, and other associated expenses. Moreover, it ensures that the member’s family does not have to worry about paying excessively out of pocket on the sensitive occasion. Here are some important things to know about burial insurance. Types of burial insurance Before one purchases a policy to cover burial and funeral costs, it is important to consider all the available insurance types. The most commonly available options include: Simplified issue life insurance Under this type of insurance, an applicant does not have to undergo a comprehensive healthcare examination to be eligible. But, one will have to answer a few questions associated with their health. If an applicant has any pre-existing health complications or if the person indulges in activities that may endanger their life, they might be denied this policy. One should also note that a simplified issue policy offers quicker approvals and could even provide higher coverage amounts in comparison to other types of insurance. Guaranteed issue life insurance This type of policy does not require any health questions or healthcare examinations.
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9 common annuity mistakes and how to avoid them
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9 common annuity mistakes and how to avoid them

An annuity is a contract that binds the insurer to make a series of payments at regular intervals. They can be a valuable investment tool, especially for one’s retirement. However, people may make many mistakes when signing up for these, causing them to pay big sums in interest or deal with losses. Read on to find out more about nine common annuity mistakes people make and how to avoid them. Choosing the wrong insurance provider/annuity Investors can choose between five basic annuities – fixed dollar amount, inflation-adjusted, variable, guaranteed minimum withdrawal benefit, and guaranteed lifetime withdrawal benefits. Each of these has its own pros and cons, and choosing the right type is important to meet one’s financial or investment goals. Additionally, investors also need to pay close attention to the insurance company. These policies must only be purchased from highly reputable companies with a solid financial strength rating. Overlooking the costs Annuities are an expensive investment; failing to pay attention to the fine print when signing up could result in major losses. Just like other retirement tools, annuities too have associated fees, charges, and commissions. Most commonly, these include mortality and expense fees, administrative fees, surrender charges, investment management fees, and charges for optional riders.
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8 mistakes to avoid when picking a dental plan
insurance

8 mistakes to avoid when picking a dental plan

One may often address every aspect of their overall health but forget to account for dental needs. However, oral health needs to be at the forefront of one’s healthcare goals, and one should be more focused on getting an ideal dental plan to suit their needs. Since this might be a new expenditure avenue for many, it is crucial to avoid these eight errors that may result in spending extra on a dental insurance package. Making an impulse purchase Most individuals may rush their decisions because they are short on time. In the case of dental insurance, making an impulse purchase could result in buying an unnecessary plan. The individual should ensure they take their time to understand each aspect of an insurance plan before deciding. Additionally, one should never pick up the first plan they find online. An individual should compare multiple insurance options before narrowing it down to a single preference. Going for the lower rate The rate of dental coverage can play a massive role in one’s decision-making process. While a low-premium may cost less in terms of coverage, the individual might need to pay higher amounts for complex dental treatments like implants, braces, and bridges. A lower rate may also mean some services are excluded from overall coverage.
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9 common mistakes to avoid while buying term insurance
insurance

9 common mistakes to avoid while buying term insurance

Term insurance provides a financial cushion for the family. If the policyholder passes away during the specified term , the beneficiary receives a death benefit . This amount is usually not taxable and provides the family with financial stability and comfort in the long run. But, choosing an insurance plan requires research. One must pick the right provider, choose the necessary benefits, and read the terms carefully. One must also avoid making mistakes when buying term insurance. Not buying the right policy at the right time While term insurance premiums remain consistent across the policy duration, the amount is calculated based on the policyholder’s age when applying. That’s why one should consider buying early. It results in a low annual expense across the policy term and higher savings. Still, that does not mean individuals must invest in a term insurance plan immediately after they start earning. Buying a policy is advisable only if a person has financial dependents or has taken a huge loan. Buying for a short duration While buying term insurance is a wise decision, one must choose the tenure carefully. Many experts recommend buying a long-term policy that remains active into one’s golden years. Sure, the shorter-term plans have affordable premiums, but the amount increases when renewing the plan down the line.
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11 things to know about disability insurance
insurance

11 things to know about disability insurance

An unexpected accident or a sudden illness can restrict one’s ability to work and earn. If a person has disability insurance, it will help them cover a portion of their income, meet expenses like tuition, mortgage, rent, groceries, and utility bills, and run their household without disruption. While employers usually provide disability cover, one can also buy a plan from the government, a private insurance company, or a registered insurance broker. Important things about disability insurance Disability insurance, also called disability income insurance, is a vast subject. One has to spend considerable time understanding the different types of plans, eligibility, disabilities covered, benefits, premiums, and claims. Purpose of disability insurance Disability insurance provides a monthly income to a working person who loses a job due to illness, disability, or injury. It helps them pay recurring monthly expenses like groceries, utility bills, mortgage or rent payments, and tuition fees. It also protects the insured and their dependents from any displacement in the event of an injury or illness. Need for disability insurance This type of insurance is handy for primary or sole breadwinners and people supporting minors. It is also useful for those working in tough jobs requiring manual labor or jobs with a higher risk of injury or accidents.
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3 ways to deal with an overactive bladder

3 ways to deal with an overactive bladder

People with an overactive bladder (or OAB) experience a sudden and frequent urge to urinate. About 40% of women and 30% of men in the country deal with this condition, which can be caused by weak pelvic muscles, nerve damage, and excessive caffeine consumption. Those affected may have to urinate more often than usual and can even experience leakage. Here are a few treatment options, foods to eat and avoid, and ways to manage OAB: Treatment options Persistent symptoms should be discussed with a doctor so that they can determine the right course of treatment for OAB. Here are popular options that can be considered based on the doctor’s recommendation: Gemtesa: It is an FDA-approved prescription treatment for adults affected by OAB. It helps relieve urinary symptoms like urgency, frequency, and even incontinence. Gemtesa is an oral treatment, usually taken with water. Common side effects include diarrhea, headache, or nausea. Myrbetriq: It can help treat bladder issues like neurogenic detrusor overactivity and overactive bladder. This treatment option relaxes the detrusor, a bladder muscle, making it easier for the bladder to accommodate more urine and reduce OAB symptoms. Doctors recommend oral consumption of Myrbetriq once a day. Adults can have it with or without food, while children must take it with food.
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Top tips for managing rheumatoid arthritis

Top tips for managing rheumatoid arthritis

Rheumatoid arthritis is a chronic condition that affects one’s joints. In some cases, it can also damage several other body systems like blood vessels, the heart, lungs, eyes, and skin. It is an autoimmune disorder that occurs when your immune system starts mistakenly attacking your body’s tissues. The condition affects the joint’s lining, resulting in painful swelling, which can later cause joint deformity and bone erosion. Here are some treatment measures for rheumatoid arthritis: Treatment options for rheumatoid arthritis Actemra® It is a prescription, FDA-approved biological therapy for relief from rheumatoid arthritis. Actemra ® helps lower the inflammation in the body by directly blocking the action of a protein in your body called interleukin-6 (IL-6). Your doctor may administer it as a subcutaneous or intravenous injection. The former is administered at home or at a medical facility, but the latter is given solely at a medical facility. Plaquenil It is an FDA-approved prescription treatment that helps treat acute and chronic rheumatoid arthritis. It helps manage symptoms such as stiffness, inflammation, joint pain, and swelling. It is to be taken exactly as per the recommendation of one’s primary healthcare professional. Rinvoq® Rinvoq ® helps treat moderate to severe cases of rheumatoid arthritis in adults when tumor necrosis factor blockers were used but could not be tolerated or did not work well.
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4 practical ways to deal with psoriatic arthritis

4 practical ways to deal with psoriatic arthritis

Arthritis commonly affects people with psoriasis, a disease that results in red patches on the skin with silvery scales. Typically, people experience psoriasis years before they get diagnosed with this arthritis. It affects thirty percent of people with psoriasis. However, in some people, joint problems start before psoriasis or during the same time. Swelling, stiffness, and joint pain are the key signs of psoriatic arthritis. Here are the prevalent treatment options for psoriatic arthritis: Treatment options These prescriptions are known to work well against the symptoms of psoriatic arthritis: Otezla Otezla is an oral treatment plan that can be taken with or without food, or as the healthcare professional recommends. You should not chew, split, or crush the tablet before consumption. The recommended dosage depends on your response to treatment and condition. To keep side effects at bay, the doctor may start with a low Otezla dosage and gradually increase it. Rinvoq Rinvoq should be consumed by mouth with or without food, typically once daily or as the doctor recommends. Do not split, chew, or crush the tablet. It can release the entire dosage in one go and heighten the susceptibility to side effects. To get maximum benefit, you must use Rinvoq regularly.
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How to manage osteoporosis and improve bone health

How to manage osteoporosis and improve bone health

Osteoporosis is a condition that makes the bone brittle and weak. When severe, even slight pressure caused by coughing, bending over, or falling can cause a fracture. Such fractures are predominant in the spine, wrist, or hip. Osteoporosis occurs if the new bone fails to keep up with the loss of the old bone. It affects men and women, but post-menopausal women are more susceptible. Let’s discuss the correct osteoporosis treatment and management plan: Treatment plan Prolia It is a prescription treatment plan for relieving osteoporosis in women post-menopause who cannot use other options or have not responded well to prior treatment and are susceptible to fractures. Doctors will prescribe it for at least six months. Prolia helps treat both men and women. However, professionals do not recommend it for pregnant women, women trying to get pregnant anytime soon, or people with low blood calcium. Further, those allergic to denosumab or any other Prolia ingredient must avoid it. Evenity Evenity helps with osteoporosis in two ways: it slows down bone loss and helps build new bone simultaneously. It is an FDA-approved treatment for osteoporosis that comes as a prefilled, single-use syringe with solution. But Evenity may have severe side effects.
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3 tips for diabetes management

3 tips for diabetes management

High blood sugar or hyperglycemia is associated with prediabetes and diabetes. The body generates insulin to manage blood sugar levels. But when the liver produces excessive glucose, and the body makes little insulin or fails to use insulin, it leads to high blood sugar levels. The condition can leave one tired and thirsty, cause blurry vision, and result in the frequent urge to pee. Read on to know some treatment plans for diabetes management: Treatment options for diabetes management Invokana® It is an excellent treatment plan that works in tandem with the proper meal plans and exercise to lower high blood sugar levels in those with type 2 diabetes. Invokana ® also reduces the risk of death from stroke or heart attack. Plus, it helps decrease the risk of end-stage kidney disease and worsening of kidney function. GlucoTrust GlucoTrust promises to help maintain healthy blood sugar levels, reduce one’s craving for sugar and unhealthy foods, and support deep sleep. It also claims to have a formula of all-natural ingredients. However, it is strongly advisable to consult your doctor before opting for supplements like GlucoTrust since it may not bring the desired results in all cases. Kerendia® It is an FDA-approved prescription treatment that aids in lowering the risk of complications in people with Type 2 diabetes.
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4 tips for dealing with asthma

4 tips for dealing with asthma

Asthma is a respiratory condition wherein the airways in the lungs swell up, become narrow, and produce extra mucus, making it difficult to breathe. People affected can experience breathlessness, coughing, and wheezing. The disease could be a minor issue for some, while others may have to deal with serious long-term symptoms. Although there is no permanent cure for asthma, here are treatment options, foods to have and avoid, and alternative therapies to manage the symptoms: Treatment options Doctors can recommend the right course of treatment based on the severity of asthma symptoms. Here are a few popular options: Tezepelumab: It is a popular treatment option, approved by the FDA as a supplementary maintenance remedy for pediatric patients over 12 and adults with asthma. Tezepelumab is an injectable option and the first and only biologic to significantly and consistently reduce severe asthma symptoms in clinical trials. Fasenra: This is a monoclonal antibody that works on the immune system activity in the body. Fasenra helps control the elevated eosinophil count responsible for severe asthma symptoms. This injection is suitable for children over 12 and adults and can be used with other treatment plans to keep flare-ups in check. Nucala: This is a monoclonal antibody that also reduces the eosinophils in the body.
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4 useful tips for managing migraines

4 useful tips for managing migraines

Migraine is a prevalent health condition in which a person experiences severe headaches, usually on one side of the head. There may also be other symptoms like sensitivity to light, tiredness, and nausea, which can last a few hours to two days. The ailment is triggered due to stress, certain foods, and other factors. While there is no cure for migraines, the following tips can help manage the symptoms effectively: Use the correct treatment options There are several treatments for migraines, but it is essential to choose the correct one after consulting a doctor. The popular options include: Nurtec ODT Nurtec ODT is an oral treatment that can help alleviate symptoms like headaches, pain, nausea, and sensitivity to light in adults. One can use Nurtec ODT on alternate days or as the doctor recommends. Its side effects include allergic reactions, trouble breathing, and rash. UBRELVY It is a fast-acting treatment option that blocks a specific protein in the body known to induce migraine attacks. One can consult a doctor to determine the dosage according to their condition. The most common side effects of UBRELVY are nausea and sleepiness. Excedrin Excedrin is suitable for temporary relief from migraine headaches. It can also treat aches caused by other factors, such as arthritis and toothaches.
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Foods to be avoided by diabetes patients

Foods to be avoided by diabetes patients

Food gets broken down into glucose by the body to release energy for its functioning. Most meal plans combine fats, proteins, sugars, and other essential carbohydrates vital for healthy growth and organ function. However, people with diabetes should be careful about seemingly healthy foods as it can trigger a spike in their blood glucose levels. Here are different foods that are bad for diabetes and should not be eaten regularly: Various foods that are bad for diabetes patients Fruit juices and other drinks Sugar consumption via beverages can spike insulin levels drastically. Did you know that lots of seemingly healthy store-bought fruit smoothies, sports drinks, bottled juices, and sodas can spike blood sugar levels too? Also, natural fruit juices are not necessarily a healthy option as they are high in fructose. Aside from this, cola, iced tea, lemonade, and other flavored beverages are excessively high in carbs, sugar, and fructose. Their regular consumption can trigger insulin resistance, forcing healthy cells to reject insulin and extract glucose for energy. Another crucial thing to remember is to avoid any type of spirit if you have diabetes. These contain empty calories and can worsen the condition significantly. Cereals, yogurt, and dried fruits Daily breakfast cereals are fortified with essential vitamins and nutrients that make up for a wholesome meal.
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6 human foods that cats can enjoy

6 human foods that cats can enjoy

Certain foods that are healthy for us may be beneficial for your cat. As a responsible cat parent, it is essential to be aware of the foods and their sources before slipping a morsel from your plate into your pet’s bowl. Ingestion of toxic foods can adversely affect the cat’s digestive system. Hence, it is advised to consult a vet for recommendations. Here is a list of human foods that are perfectly safe for cats: Meat Cats are carnivores by nature. Most of the commercial cat food in the market contains different meats, an excellent protein source. So, feeding them bits of cooked meats like beef, turkey, or chicken from your lunch plate is entirely alright. Make sure you limit the quantity of the meats. Overeating may cause digestive issues in cats. Salmon Cats love fish, and most vets recommend feeding them fish-based foods. They are a good source of omega-3 and other nutrients. Oily fish like tuna, salmon, or mackerel prove beneficial for their eyesight and joints. However, do not feed your feline straight from the can as they might lick it too aggressively, leading to cuts and bruises on their tongues. It’s best to feed them cooked fish without bones.
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