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A Love for Unique Replica Tag Heuer Individually and personally, I have always been drawn towards unique watches since, in my opinion, that is what defines an individual’s sense of style. Going through the vast amount of watches that I had at this particular time in my life made me come across some really amazing replica Tag Heuer watches available at Replicafactory.is. This website has an impressive array of special releases and limited editions that hold, aside from their collectible value, perfect representation of my personality and taste. From the moment I began browsing, I knew I had found a treasure trove of fake watches that would take my collection to new dimensions. The Glamor of Limited Editions Probably the most striking thing that can be said about Replicafactory.is is the fact that it carries a wide range of limited edition replica watches. These watches are more than just time-keeping devices but works of art telling a story. Every limited edition replica Tag Heuer has been specially designed to reflect certain specifications and features that distinguish it from the standard models, making them highly exclusive and thus in demand by collectors and enthusiasts alike. Such a limited edition replica of a Tag Heuer, to name one, may be issued for some significant motorsport event. After catching sight of such a watch with its vibrant colors and unique detailing as a tribute to the brand’s racing heritage, I knew owning such a piece would not only add value to my collection but could express my passion for motorsports with style. This is the reason the appeal of those limited editions... read more
Medicare Part-D (drug coverage) helps pay for the prescription medications you need. Even if you don’t take prescription drugs now in 2021, you should consider getting Medicare drug coverage or other creditable prescription drug coverage because you’ll likely pay a late enrollment penalty if you join a plan later. Generally, you’ll pay this penalty for as long as you have Medicare Part-D coverage. Medicare Part-D is optional and is offered to every senior with Medicare. If you are looking for extra drug coverage in 2021 you can use this guide to help compare Medicare plans offering additional Part D coverage. Medicare enrolled seniors cant start signing up until October 15 2020. Open enrollment runs through December 7... read more
Medicare health plans and prescription drug plans can make changeseach year—things like cost, coverage, and which providers andpharmacies are in their networks. Plans also can change their providernetworks throughout the year. If you’re in a Medicare health orprescription drug plan, always review the 2021 materials your plan sends you(like the Annual Notice of Change and Evidence of Coverage) and makesure your plan will still meet your needs for the following year. If you’resatisfied that your current plan will meet your needs for next year andit’s still being offered, you don’t need to do... read more
Your Medicare options. When you first enroll in Medicare and during certain times of the year, you can choose how you get your Medicare coverage. There are 2 main ways to get Medicare. Plans must cover all of the medically necessary services that Original Medicare covers. Most plans offer extra benefits that Original Medicare doesn’t cover—like some vision, hearing, dental, routine exams, and more. Plans can now cover more of these... read more
Original Medicare is one of your health coverage choices as part of Medicare. You’ll have Original Medicare unless you choose a Medicare Advantage Plan or other type of Medicare health plan. You generally have to pay a portion of the cost for each service covered by Original Medicare. See the next page for the general rules about how it... read more
What is the Medicare “Doughnut Hole”? How is the Medicare Part D Doughnut Hole broken down in terms of dollars and cents? How will the Doughnut Hole effect me? If I receive a Low Income Subsidy from Medicare (i.e. extra help) how will the Doughnut Hole affect me? Will I hit the Doughnut Hole? When will I hit the Doughnut Hole? When will the average Medicare enrollee hit the coverage gap called the Doughnut Hole? Do I still have to pay my monthly Medicare Part D premiums while I am in the Doughnut Hole? What expenditures count towards the $2850 level that puts me into the Doughnut Hole? What is the reason that the government created a Doughnut Hole in the Medicare prescription plan? Will the Doughnut Hole be the same in 2015? How many people will hit the Doughnut Hole in 2015? What are out-of-pocket (OOP) expenditures? What expenditures do not count towards my out-of-pocket expenditures? What is the catastrophic coverage point? What other issues are there with the Medicare Part D program that may affect me? How can I avoid the Doughnut Hole? What is the Medicare “Doughnut Hole”? The Medicare Doughnut Hole is the gap in the 2014 Medicare Plan D coverage between $2850 and $4550 in prescription drug spending. (Please see below for an important note on how your prescription drug spending costs are calculated.) During this gap in coverage, you’ll pay 47.5% of the plan’s cost for covered brand-name prescription drugs and 72% of the price for generic drugs. In 2014, this is a gap in coverage of $1700 that you must pay more money... read more
Chicagoan Jonathan Winans, 75, is curtailing costs in this time of high gas and food prices, in part, by zeroing in on prescription costs. The retired Dominick’s deli manager has high blood sugar, high cholesterol, arthritis and a heart condition. He’s on a dozen medications, and his wife, Elaine, 76, is on the medication Plaquenil for her arthritis. “I have my doctor write prescriptions for pills at twice the dose and prescribe half a pill,” he said. Then Winans cuts the pills in half with a pill cutter. “Prescriptions last twice as long with just a little more cost,” he said. With the couple only having Medicare Part D prescription drug coverage, costs are a heavy burden, he said. That’s especially true when the “doughnut hole” kicks in for him in the last four or five months of the year, he added. Under Medicare Part D prescription drug coverage, Medicare will pay a percent of drug coverage, minus the deductible, up to a total drug cost of $3,700. After that, seniors have to foot the bill for the costs until they’ve spent $4,950 out-of-pocket and coverage resumes. The Winans’ other cost-cutting ways: • • “I’ve learned to cut back on gas by ‘stacking’ errands and routing them to put on the least miles,” he said. “I’ll sit down and draw a little map and say, ‘Well, I’ll go to here to here to here.’ I’ll do all [the errands] on a Saturday or a Sunday so that I can get as many trips out of the way as possible with the least amount of mileage.” • • The couple also... read more
For those who are soon turning age 65, you are likely to be researching your options for Medicare health care coverage. In doing so, you will find that there are two primary options for obtaining this important health insurance. One option is to go with the Original Medicare. Here, you will be able to receive Medicare Part A and Medicare Part B. With Medicare Part A, various hospitalization services are covered, including certain inpatient procedures. Part B of Medicare covers doctors’ services, as well as some hospital outpatient services, and other miscellaneous care. The other option for receiving Medicare coverage, Medicare Advantage, is also referred to as Medicare Part C. With this Medicare option, you have numerous choices of health care plans. Many of these are set up in a similar manner to an HMO (Health Maintenance Organization) or PPO (Preferred Provider Organization) where enrollees need to choose their providers and health care facilities from a network. The tradeoff, however, is that there are typically many more services that are covered in comparison to Original Medicare, such as dental and vision care. The premiums that are charged for Medicare Part C may also be less. Filling in the Gaps That Medicare Leaves Behind For those who choose Medicare Advantage, there are several items covered about health and wellness. And, while there may be some out-of-pocket charges, these will typically differ from one plan to another. Those who opt for Original Medicare (Medicare Parts A and B), however, will usually run into a fair amount of out-of-pocket costs. This is especially the case if the enrollee encounters many doctor visits... read more
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MedicareHelp.org is a privately-owned Non-governmental agency. The government website can be found at HealthCare.gov.
Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. Enrollment depends on the plan’s contract renewal.
Every year, Medicare evaluates plans based on a 5-star rating system.
