Archive for July 2019

Understanding Medicare Supplement Plan N

Medicare is the government insurance everyone 65 and older is qualified for. What many people don’t realize is Medicare only pays for part of the medical expenses of those insured. While Medicare part A is free insurance, it only pays for expenses incurred in a hospital stay and then only 80%, the rest is up to the insured. 

Medicare part B is the part of Medicare that pays for doctor visits, but Medicare part B cost the average insurer about $140.00 a month. Money that if you are receiving Social Security is taken out of your check before the government gives it to you. Like Medicare part A, it only pays about 80% of a person’s expenses. That leaves seniors having to pay many of their own health care costs.

In order to offset the gap in insurance coverage, many seniors take out an extra insurance plan known as a Medigap plan. There are ten different Medigap plans to choose from they are lettered A through N. They are all standardized plans with the same kinds of coverage. The only difference is the cost you pay and that depends on who you buy your plan from. In order to have Medicare supplemental insurance, you must have Medicare parts A and B.

One of the more popular plans with consumers is Medicare supplement plan N. It pays for many of the things Medicare parts A and B do not. It will pay for 100% of the co-insurance fees of Medicare part B, it will not pay for the $20 co-payment at the doctor’s office or a $50 emergency room fee. Most people consider this a small price to pay.

One of the more important features of a Medicare supplement plan N is that it will pay the coinsurance for a skilled nursing facility. The compensation of Medicare part B and Medigap plan N can save someone thousands of dollars. Since you never know when you might need to go to a nursing facility it is good insurance to have.

If you need to have a blood transfusion while in the hospital Medicare part N will pay for the first 3 pints. It will also pay for the co-insurance expenses for another 365 days after Medicare part A coverage has ended.

While there are many advantages to a Medicare supplement plan N there are also disadvantages. It will not pay for excess charges for Medicare Part B services. The amount part B will pay is already pre-approved by the government, but doctors are allowed to charge as much as 15% above that. To some people that is acceptable depending on your income or frequency of doctor visits, it may not be.

When deciding on a Medicare supplemental insurance plan you should talk to an insurance professional to explore all the plans and what they offer. If you need prescription drug coverage, dental, or vision care you may want to consider one of the other supplemental plans.

Medicare is a great program; it helps millions of seniors to get the medical services they need. Having the correct Medigap supplemental insurance plan is also important. Everyone about to turn 65 should talk to an insurance professional about finding the correct supplemental insurance plan that is right for their needs as well as their budget. 

Making a mistake with your health plan can be costly both financially and physically. No one wants to learn they can’t afford a lifesaving procedure because they have the wrong insurance plan.

Water Purifier: The Best Way To Live Health

As we all know that 70 percent of the earth is covered with water and only 1.5 percent of it available as fresh water. Now, this fresh water is also contaminated because of pollution and suspended particles in the environment which are diffused into water bodies.

According to the World Health Organisation (WHO), drinking of polluted and contaminated water leads to more than 2 million deaths in a year. Drinking of contaminated water is not suitable for health, and it is not right for consumption.

Thus, the need to purify water is gaining importance.

A water purification system eliminates all types of water impurities, which may harm our health. The water purification can be achieved in many ways, but the installation of the water purifier is one of the best ways to punish out the water impurities. A water purification system eliminates all types of water impurities, which may harm our health. The ROinstallation& RO purifier repair ensures us safe and healthy drinking water at our doorstep. The water purifier uses innovative technology, which provides us 100 percent safe and healthy water.

Some of the primary reasons why we should concentrate on the importance of WATER PURIFIERS are:-

REDUCED CHLORINE LEVELS

Using water purification systems it helps to get rid of chlorine in drinking water, which reduces the risk of diseases like Asthma, Congenital disabilities, and other Cardiovascular disorders.

CONVENIENCE

Water purification systems offer a convenient way to get rid of contaminants while also saving time as compared to other methods such as:- boiling.

COST SAVING

Investing in water purification systems leads to a lower amount of money spent on having clean water as purchasing bottled water can cost significantly over time.

LOWER CARBON FOOTPRINT

Using a water purification system can reduce the carbon footprint and help protect the environment. Having purified water available at home at all times means a reduction in the usage of plastic bottles, which is harmful to the environment as they sit in landfills, thus damaging the environment.

IMPROVED FLAVOUR

Purifying water helps get rid of the contaminants that the effect the flavor of the drinking water, and it gives it an unpleasant taste and can enhance the flavor of drinking water without having to boil it. 

HEALTHIER FOOD AND BEVERAGES

Water purification system does more for us than provide us with drinking water that does not have contaminants. It also gives us a steady supply of purified water that can be used for other purposes, such as rinsing off vegetables and other produce, preparing meals and brewing coffee or tea. This can help our food and beverages taste fresher and provide us with ‘PEACE OF MIND’ that we eat and drink free of potentially harmful contents.

HEALTHIER PETS AND PLANTS

Water purification doesn’t just benefit us; it also benefits our pets and plants using purified water when we fill our pet’s water bowl helps lower their risk of exposure to pollutants that might affect their health. Watering our plants with refined supplies of water also helps reduce their risk of being harmed by sure odds material that can enter our water supply.

FEWER PLUMBING CONTAMINANTS

Our pipes and plumbing system can introduce copper and other contaminants into our water supply even though the local water is treated; these contaminants can enter our home as water flows through old, corroded pipes. Purifying our water helps to keep these materials out of your drinking water. So these were the top reasons to use water purifiers. There is a range of water purifier in the market, offering a variety of schemes, customer services, and purification techniques to clean water.

There is a revolution in the water purification technologies, and a whole range of water purifiers of various brands has occupied the Indian markets and households.

The water purifiers have a vast set of variants across which they are available at different rates according to their technologies and potentiality to provide filtered water for consumption.

There is a range of factors that determine the selection criteria upon which people tend to prefer a specific purifier:-

WATER SOURCE

The water received by the house determines the selection of water purifier, as to whether the water is from well water or municipal water.

TYPES OF IMPURITIES PRESENT

The selection of water purifier is mainly dependent upon the kinds of contaminants present in the water.

TYPES OF WATER PURIFIER

There are various kinds of water purifiers in India but most of the water purifier is mainly based on the RO i.e. Reverse osmosis and UV i.e. Ultra- violate technology. Both have different strategies to clean water. Hence this is also the main factor which contributes to the selection of water purifiers.

BUDGET

There is a range of water purifiers available in the market, with different rates based on their technologies. Thus, the budget is the main factor that comes into play in the selection of water purifiers.

BRAND

There is a range of water purifiers brand in the market, but the choice should be prioritized based on product satisfaction after sales service.

CUSTOMER CARE SERVICE

The water purifiers also discharge a responsibility of care towards their customers and provide various types of AMC’s – Annual Maintenance Contract. By contacting customer care service department you can repair it at comparatively low Kent RO Repair cost.

AMC is one of the best ways to maintain a water purifier.

Thus, water purifiers need to be regularly maintained and repaired by customer service numbers and service providers.

Physical Therapy to Overcome Knee & Back Pain

Knee and back pain are two of the most common health complaints of people living in California. 

Knee Pain

People can experience knee pain for all kinds of reasons. Knee pain can be the result of surgery, arthritis, or injury. Often the knee can feel achy when it’s not in use, or you can experience sharp stabbing pains when you move it or apply pressure. 

Physical therapy is a great way to manage knee pain and improve the state of your joint. If you’ve been suffering from knee pain for a while, your doctor may recommend a physical therapist. 

The purpose of physical therapy is to ease knee joint paint and increase the strength and robustness of the joint. Ultimately, physical therapy should allow you to move the knee joint with greater freedom. 

What Form Does Physical Therapy for Knee Pain Take? 

Your therapist might engage in the following strategies to remedy your knee pain: 

  • Electrical nerve and muscle stimulation (designed to strengthen the surrounding muscles)
  • Ultrasound massage 
  • Ice and heat treatment
  • Stretching and tailored exercise movements


The goal of the physical therapist is to get to the root cause of your knee pain. The better the therapist can identify the reason, the more likely the treatment will be a success. 

Back Pain

Back pain is something that affects more than 75 percent of Americans at some point in their lives. It’s a debilitating condition which can severely affect your quality of life, making working, walking, and sleeping difficult. 

Physical therapy can help people suffering from back pain, just as it can those with knee pain. 

Physical therapists use a range of techniques to help people with back pain manage and overcome their condition. 

Examples of Physical Therapy for Back Pain

  • Strengthening exercises. Physical therapists may conclude that a lack of muscle strength (or muscle imbalance) is causing your back pain. They may, therefore, recommend that you engage in a variety of strengthening exercises to target underdeveloped muscle groups. Often the muscle groups that require strengthening are not in the back at all, but elsewhere in the body. 
  • Pain relief exercises. Sometimes you need a little extra help managing back pain when it gets bad. Physical therapists can recommend specific exercises when you need pain relief the most. 
  • Cupping and dry needling. Cupping and dry needling are techniques that physical therapists use to help with back pain and stimulate the body to repair. 
  • Heat and cold treatment. The muscles in the back can become inflamed or “knotted.” Applying heat and cold, however, can lead to a reduction in inflammation and help the back to return to a state of health. 
  • Manual therapies. Manual therapies, like massage, can help relieve back pain by opening up muscles and boosting blood flow to the target region. Better nutrient transport can have a dramatic effect on how your back feels. 


Physical therapy, therefore, can help overcome both knee and back pain. If you have knee or back pain, then get in touch with us today to find out how we can help.

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