5 Stages of Sleep Seniors Need to Know

5 Stages of Sleep Seniors Need to Know


Your cycle of wakefulness and sleep is set by the body’s internal clock — something like a metronome in the brain. The biological processes of your body obey the internal rhythm: changes in temperature, blood pressure and the production of hormones. All these things, in turn, affect the cycle of wakefulness and sleep, it depends on them whether you feel tired or revitalized.

Hormones and sleep

Your sleep and wake cycle is controlled by specific hormones. When you wake up, stress hormones, or “activity hormones,” corticosteroids, enter the blood. Because of them, you begin to feel cheerfulness, willingness to act. At the same time, they suppress the growth hormone production: the body begins to spend more energy on daily activities and less on the restoration of cells and tissues.

During the day, sleep hormones, such as melatonin, are produced in small quantities, but when it gets dark, more melatonin begins to flow into the blood, and you tend to sleep. Stress hormones become less, and growth hormones stimulate the body’s recovery processes.


Hormonal changes inside the body during the day regulate sleep and wakefulness.

Five stages of sleep:

Sleep consists of two large phases – slow and fast sleep. Under normal circumstances, during the average eight-hour sleep, these phases alternate four to five times.

Stage 1

This stage lasts about ten minutes. Your eyes are closed, and you gradually relax as your brain activity decreases: it is a state of half-awake, half asleep. You can easily wake up and not even realize that you were asleep.

Stage 2

This is also a period of relatively light sleep. Brain activity becomes irregular but still strong enough. At this time it will not be so easy to wake up: your body is preparing to move to the first stage of deep sleep.

Stage 3 and 4

These stages of deep sleep are also called the phase of “slow waves”. At stage 3 it is quite difficult to wake up, the body temperature drops, muscles relax, and breathing and heart rate become slow. In order to feel rested in the morning, the body must now move to the deepest sleep phase.

Stage 5

Here, the sleep begins about half an hour after you fall asleep. Brain activity remains almost at the level of wakefulness; blood pressure, pulse, body temperature, and breathing rate increase. Pupils move quickly under the eyelids and the person clearly has dreams.

About Senior Medigap Coverage:Medicare supplement plans primarily aim at covering copay & coinsurance as Basic Medicare does not cover them.

Basil Oil and Senior Health

Basil Oil and Senior Health

In Mediterranean cuisine, basil is often added to dishes to give them a special flavor. But this plant also has a number of therapeutic properties. It helps get rid of anxiety and promotes digestion in seniors. Basil oil clarifies feelings, stimulates thought processes and soothes the airways and the digestive tract.

Humana Health Insurance 2020Basil oil is extracted from the stems of the plant; its sweet and spicy scent awakens associations with the sunny Mediterranean summer. Basil has an invigorating and strengthening effect on the nervous system, which makes it a valuable assistant in the fight against depression and anxiety.

Powerful cleaner

Basil oil, due to its antiseptic and antispasmodic properties is ideal for massaging the abdomen, which will help get rid of the infection. It will also ease stomach upsets and pains.The cleansing effect of basil is also good to use in steam inhalations – it is a powerful remedy for common colds in seniors. Basil, in addition, has a beneficial effect on the respiratory tract. It can also help return a sense of taste and smell in the senior patient.

The active ingredients of basil oil:

Basil has a stimulating effect on the nervous system due to its high concentration of alcohols.

Monoterpene Alcohols – These alcohols make up 60% of basil oil. The main contribution to the active effect of the oil is linalool, which gives the oil a characteristic sharp, floral scent with a citrus shade.

According to scientists, monoterpene alcohols have a bracing, warming and calming effect. In addition, they have antibacterial and antiviral properties and stimulate the body’s own defense systems, helping it fight infection.

Phenols and phenolic esters – Basil contains methyl chavicol and eugenol. They stimulate the nervous system and strengthen the immune system.

Other Ingredients – Basil oil also contains a very small amount of ketones,  and terpenes, including pinene and cymene.

Steam inhalations based on basil oil can get rid of colds and runny nose.

Seniors who’re 65- can utilize private Humana health insurance plans 2020 for covering expenses like deductible & co-pay since they aren’t a part of Regular Medicare.

Getting A Medicare Supplement Plan

Getting A Medicare Supplement Plan

Medicare supplemental insurance, also referred to as Medigap, is private health insurance developed as a support to the original Medicare plan you already have. The goal is to help holders of Medicare plans pay for the unpaid cost of health services. A supplement plan on its own cannot be independent because it does not reach Medicare benefits. They only provide insurance for what is not included in the original cover. Each type of supplementary plan offers the same basic benefits, regardless of the company that sells it. Sometimes, the only difference is the price, depending on the category in which the plan is located. However, each supplemental Medicare plan is still subject to regulatory requirements to ensure that plan holders receive maximum protection.

The insurance plans for the Medicare Supplement plans 2020
are obviously selected according to the type of insurance you already have. With so many options available, it may seem very confusing. Talk to a Medicare agent who can help you discover the types of problems to consider before making a selection. Consult a professional to discuss all the benefits and help you choose the right plan, especially in terms of price. Medicare is a subsidy for the kind of medical care needed for people who need medical care and what the government can offer. Health supplements are essential for these gaps in treatment. The supplements insure the parts that Medicare does not provide insurance for.

These plans offer a wide range of security, especially for the elderly and disabled. It provides a means to obtain the appropriate compensation and assistance they need. Unfortunately, there are times when Medicare is not enough. Therefore, it was necessary to create a Medicare supplement plan known as “Medigap”. You can easily register for the Medigap supplement on the internet. Many citizens believe these confusing plans. People generally think that everyone is the same, but they are not. An advantage is a Medicare contract to provide benefits, while a supplementary plan is paying bills that Medicare does not care about.

But be careful, since there are many sites that look like Medicare supplemental brokerage, but they are nothing more than lead pickers. They receive your personal information and sell to several agents that descend on you like hungry vultures.This is definitely not something that you want to happen, because you are more confused and it is even harder to find the Medicare supplement that meets your needs.

If you know you may have more medical needs, this type of insurance will be very useful. Most of us cannot predict what sort of medical emergency we may experience in the future, so it is always prudent to be sure of ourselves. After all, security cannot be measured in half. When it comes to security, the circle must be closed to be really useful and appreciated.A health care plan will provide your additional medical needs, therefore, take advantage of this extra security. If you are looking for a Medicare supplement provider in Texas, there are many online companies that offer excellent resources at a cost that suits your possibilities.

The Benefits of The Medicare Supplemental Insurance Plan

The Benefits of The Medicare Supplemental Insurance Plan

Changes done yearly to the merit structure of certain 2020 Medicare Advantage plans can have a serious impact on your health budget. Most people have witnessed an increase in their spending while their benefits have decreased. On the other hand, Medicare supplement plans help you cover your health care bills. The supplement plan will be automatically adapted from year to year to reflect changes in Medicare deductibles and coinsurance.

Choose your hospitals and doctors:

You have the freedom to choose your physician and hospitals if you signed up for a conventional Medicare program together with a Medigap policy. You don’t need to work with supplier networks or get a recommendation if you need to consult a specialist. You can always see any supplier of your choice. Other health plans may have local networks. Suppliers are free to leave their network and join this network. This may stop you from receiving treatment from people you trust and know for a long time.

The insurance is sure to be renewable:

Medicare advantage plans 2020Medicare Advantage plans can revise their contract with the government each year. Every year, policies are totally abandoned. The members who are displaced must now look for another plan. The insurance policies for the Medicare supplement are renewable guarantees. If you do not pay the price, you cannot lose your plan. If they accept Medicare, any hospital or provider will accept Medigap coverage. All Medicare providers and hospitals accept the Medicare support plan. This does not apply to Medicare Advantage plans. A supplier may not choose to be part of an EM plan, and participating suppliers may also not choose to accept new patients. Ensure you consult your providers if you are considering a health plan.

Guarantees maximum portability

Original Medicare assures you throughout the country. Your Medicare supplement guarantees you wherever you are. In fact, there are also policies to ensure medical emergencies abroad. You can enjoy the tranquility during the trip and a change of location does not require a change in insurance. And the problem with the guarantee?

There are situations that you can afford with claims for compensation in terms of Medicare supplementary insurance. This means that you can subscribe to any public health plan and that there are no health problems. This right is valid when you are in the open enrollment period and are eligible for Medicare for the first time. There are also other times, for example, when you leave the insurance field of your plan, or the police stop providing insurance in your area, when you are in the health plan of a group pensioner. and when the insurance is terminated and you already have an advantage plan and this is your first entry to the Advantage plan, then you decide to return to your previous Medicare plan until you have signed the One Year Advantage Plan. Here are some examples. These are just some of the benefits of choosing Original Medicare with a Medigap plan. You can obtain a Medicare supplement even if medical conditions are already present.

Tips to Help You Pick a Medicare Supplement Plan

Many seniors have gotten Medicare Part A and Medicare Part B and found that only 80% of their medical expenses are paid for and they are responsible for the remaining 20% costs. This can be a burden on their budget. Available to all American are Medicare supplement plans that will take care of this expense. This can ease a seniors mind to know their medical needs are taken care of.

There are several Medicare supplement plans which are differentiated by the letters A-N. Each plan will have many different medical issues covered, but one must know, that all insurance companies offer the same standardized Medicare supplement plans. The difference will be the amount of premiums they will charge and one must look carefully at each insurance company to see which one will meet their medical needs.

Some benefits that are covered are copayments for Medicare Part B, hospice care payments and the first three pints of blood that may be needed in a medical emergency.  Mutual of Omaha medicare supplement plan G do not cover various procedures, such as, vision, dental, long term care, hearing aids, nursing care and prescription drugs. These added costs will be the responsibility of the person who has the medical issue. There is a Medicare Part D plan that can help with your prescriptions and there will be an added cost for this plan.

If one travels to foreign places and has a medical emergency there are plans to help with these costs. Plans C D F G M & N will cover 80% of these emergencies. When you meet the $250 deductible, the costs will be taken care of should they be needed. Many people will discuss these Medicare supplement plans with their families and friends to see what ones they have. This is good to get an idea of what they have chosen, but one must realize, what is best for their medical needs will not necessarily work for your medical issues. What you choose will depend on your medical requirements and how much you wish to pay for your monthly premiums. Many people choose Medicare supplement plan F because they feel its coverage is most beneficial. However Plan F may have higher deductibles and lower premiums which can be favorable for them.

Each state regulates their insurance companies, but all insurance companies have the same plans.  Using the same zip code where you reside is necessary to insure your address is the same for your income tax, and social security checks, because Medicare is controlled by social security regulations.

The Various Horizon Of Retirement Planning

The retirement planning idea introduces the vision of you dealing with your investment supervisor or perhaps setting up the 401K which means you have enough financial wealth when you leave the workplace. And it is right that a great part of becoming ready for retire entails being prepared financially to be capable to leave the work world and begin to take your life less complicated.

But just as life is not merely about earning money, retirement is about a lot more than getting the money without the need to work. Planning for retirement does mean getting ready to live a less difficult personal life, getting ready to become a “senior citizen” including a grandparent and getting ready to look at life in a different way.  Your health care will likely be an important issue in your prized retirement times. As you get into retirement, you might be healthy as an ox active and filled with health and life. Yet anybody can fall victim to illness or disasters.

Of course, if your company from whom you stopped working will not lengthen your health care coverage for you and maintain your coverage after your employment, it is best to generate other strategies.  You are able to maintain the same protection that you had underneath the Cobra program but that can get fairly expensive and dip into your limited retirement savings quite significantly. Medicare health insurance is a good idea as well. But to become perfectly secure that you have protection, look for Medicare Supplemental plans to keep up with the same top quality of care in retirement that you have now in the working universe.

Don’t merely limit your retirement planning to some money. Your pension will be a moments of a new experience of lifestyle including a change to your ideals and how you spend your time and efforts too. You will possess more time on your own hands and research shows those who get into retirement with out “an agenda” may become adrift in all that period and that isn’t healthful. Humankind are doers therefore even though you may no longer be doing work for a living, discover strategies to be productive and really make a difference in the community.

You can begin locating those chances a long time before retirement so when you at last step out of the job universe, broadening those hobbies and interests and volunteer initiatives is as natural as it can get.  Besides the change of where you may spend your time and energy every day, you might have even have a greater change in where you reside ahead for you during retirement.

Often times people that step into their very own retirement times find that sticking to the house where you elevated the children is just not required and more work than it really worth. Selling that house and making use of the equity to financing a leisurely retirement life is a terrific way to proceed. However, you should start early on both planning the home for sale and organizing the family that “grandma and grandpa’s house” is certainly going out there.

Furthermore, where you go to settle is something which can be thrilling to dream about and doing a bit of analysis on the perfect destination. You might decide to rent a tiny place in an older part of city and enjoy a complete new way of life in that environment. Or perhaps you might choose a high-rise condominium with a view of the lake or a wonderful quiet apartment within a retirement focused apartment complex where you and also other retirees can check out the brand new universe together.

Health Savings Plans are Tax-Intelligent

Health Savings Plans are Tax-Intelligent

Since the adoption of the Patient Protection and Affordable Care Act in 2010, the debate on whether it is constitutional or not has not stopped. It is uncertain whether all provisions of the new law on health care reform will be implemented by 2014 or not.

However, this does not mean that many provisions have not already made health insurance a better offer. Do you already have plans for a Health Savings Account (HSA)? Enroll in a 2019 supplement plan for 2019 to save money.

A HSA plan can help with taxes and cost of healthcare

Health insurance accounts are tax-advantaged plans that provide tax-smart solutions for the treatment of healthcare expenses. You can run money through an HSA and pay qualified medical expenses without paying taxes on the money. However, you can still deduct these expenses from your adjusted annual income, so you pay less tax.

A health savings account is similar to an individual retirement account or an IRA. HSA money, which you will not spend on medical care (or dental care) by the end of the year, will be carried over to next year and will continue to grow at tax-exempt interest rates. HSA contributions that can be made by you or your employer are deducted from federal tax 1040.

Should you withdraw money from your retirement savings account before the age of 65, you will be fined 20% of the disbursement. Once you are 65 years old, you can use your HSA funds for other purposes without penalty. You can use these funds for a Medicare Supplementary Plan or Care Plan.

To enroll in an HSA requires a qualified, highly deductible health plan and is not yet qualified for Medicare. As of 2012, HSA plans must have a deductible of at minimum of $ 1,200 for individuals or $ 2,400 for family coverage. Your plan must also have a maximum or limit of $ 6,050 for individuals or $ 12,100 for family plans.

This year, the maximum contribution that can be made in an HSA has increased. The HSA contribution threshold is $ 3,100 for individuals and $ 6,250 for families. If you are at least 55 years old, you can make a $ 1000 catch-up fee.

When compared to a flexible spending account, an HSA has a big advantage for account holders. For an HSA, you do not have to use the savings until the end of the year. All unused FSA funds expire at the end of the year.

Changes to Health Accounts Under the Health Reform Act, over-the-counter medicines will not exceed HSA-qualified medical costs. You need a prescription from your doctor if you want to use HSA money for medicines like aspirin. In addition, the sanction for HSA withdrawals for non-medical purposes has been increased from 10 percent to 20 percent.

HSA-control strategy:

Since annual income tax does not affect contributions, many people are trying to fully finance their health savings account before the tax deadlines. In this way they can deduct their full contribution to save taxes, regardless of whether they ever need the money for health care or not. With tax-free income, an HSA can become a pretty nice pension fund.

Entrepreneurs and Medicare

Entrepreneurs and 2019 Medicare

We recently received a question from an entrepreneur named Matthew. He told us that he would turn 65 next year and he is trying to decide if he should join Medicare or stay in his company’s health insurance.


This is a very common question that we receive as it is more of a gray area when it comes to what makes the most sense for you.


I would like to make it clearer to you today.


If you’re an entrepreneur and are trying to make your Medicare decision, the first question you’ll want to answer is whether you can keep your business plan.


If you have fewer than 20 employees in your company, you will need to sign up for Medicare. (Note: If you are disabled, it must be 100 people, otherwise you will be signed in to Medicare.)

Another question would be, “If you stay in your business plan, how much does it not only cost you, but how much does it cost you as an entrepreneur?”


As a business owner, your health insurance company should help you understand how the premiums will change next year when you’re 65 years old. This is a crucial factor in deciding what makes the most sense for you.


We had another customer named Benard who turned 65, when he realized that both his individual and company health expenses would rise dramatically if he adhered to the business plan.

To save himself and his company money, we recommended that he join Medicare.


This is not a completely black and white answer, and it ultimately depends on the price of health insurance for you and your company, but also on other factors, including family members, in your company’s health insurance.


Some people finally decide to remain with their employer plan.


Those who are in their occupational health plan, usually


  • Do have other family members on their plan,
  • Do you have extremely low health insurance if they stay on the plan, or
  • Having a juicy income.


Medicare has a rule where people with higher incomes are charged more money to get their cover. Often these fees are so high that they stay better in health insurance.


What is the open registration period for Medicare?


Prescription drug plans (Part D) and Medicare Advantage (Part C) make changes every year – such as coverage, costs, and the providers and pharmacies in their networks. From the 15th of October to the 7th of December, everyone with Medicare can decide to modify their prescription drug coverage and Medicare health plans for the next year to better finance their requirement.


What can I do during AEP?

  • Drop your Medicare prescription drug coverage.
  • You can enroll for Medicare Advantage plan instead of original Medicare.
  • You can also refuse a Medicare Advantage plan and switch back to Original Medicare.
  • End one Medicare Advantage plan while switching to another.
  • Change from a Medicare Advantage plan which do not include drug coverage to a plan that does, and vice versa.
  • Switch to another prescription drug plan from a previous one.
  • Join a Medicare prescription drug plan.

Using Medicare Advantage Plans for Medical Expenses

Every human being becomes sick as they become older. They are frequently compelled to go to a hospital and see their doctor. If they have a health problem, they need to be treated and cared for. This means the rise of medical expenses. This is where they are offered health insurance plans like Medicare advantage plans. These plans are offered by insurance companies and help the individuals by paying up their medical bills and treatment costs. So, if the person is 65 years old or more of age, then he is eligible to buy them. These insurance companies offer them a list of plans and one can choose the plan which is suitable for him. Medicare advantage plans will come as handy in case of any unexpected medical emergencies.

Costs that come under Medicare advantage plans

Medicare advantage plans are beneficial to all members of a household. The truth that it helps in payment of a person’s medical bills is one special reason of having that plan. One can have a look at the list of costs covered under these plans. The following benefits are covered under a Medicare advantage plans:

  • Hospital insurance costs inclusive of inpatient service that comes in Part A of the plan
  • Medical insurance costs covering for outpatient and doctor’s service comes in Part B of the plan
  • An option drug plan inclusive of costs of prescription medicines and future rise in any medicines cost
  • Coinsurance of skilled nursing care
  • Hospice care costs
  • And finally, there are out of pocket costs like coinsurances, copayments and deductibles

Thus the Medicare advantage plans includes all these cost except for the flowing

  • Care given at a nursing home
  • Private nursing care at home
  • Normal routine eye and dental check up
  • Hearing aids and denture devices
  • Some prescription drugs


Special features of Medicare advantage plans

The 2019 Medicare advantage plans are unique in the sense that they have some features such as the following:

  • A person buying medicare advantage plans must already have Medicare Plan A and Plan B
  • Medigap policies also known as Medicare advantage plans should be clearly listed the same
  • Only one individual is covered up in a plan. Other family member must purchase their own Medicare advantage plan.
  • These plans are sold by private insurance companies who are licensed to sell them
  • Medicare advantage plans are renewable when the person pays their annual premium regularly even when they have a health issue.


Usefulness of availing Aetna Medicare advantage

With the aspect of having various Medicare advantage plans within your reach, it is sometimes difficult to find out which one you should avail for yourself and which one would be the best for you to avail. However, there are many reasons as to why one should utilize the prospect of having the facilities of Medicare advantage bestowed upon them. Since there is no surety as to the fact that one might not have occurrence in an accident, it is likely that one should have the Medicare advantages in cases of need so that one does not have to think over spending a huge ton of money during emergencies. The Aetna Medicare advantage plans are sure to work out favorably and there are many advantages that one must know about before availing the services. These advantages are as follows:

Many seniors enroll in a medicare advantage plan for 2019 to avoid extra medical bills.

  • The extra coverage:

The original Medicare advantage plan does not cover the extra benefits that your Medicare advantage plan does which include the regular checkups of our vision, dental and hearing. It takes care that all your expenses and makes sure that you are provided with every facility during your need.

  • Abroad expenses coverage:

The Medicare advantage plan precedes the original Medicare plan here. The original Medicare does not cover your health expenses if you are residing abroad or happen to be out of the country at that moment. However, some of the Medicare advantage plans happen to take care of all the expenses if you are abroad and happen to fall ill outside the country. Most of your medical expenses will be covered by the Medicare advantage plan irrespective of the fact that you are residing outside the country.

  • The pay-as-you-go plan:

The Medicare advantage plan can be called the pay-as-you-go plan as in this plan you will have to share a certain amount of expense along with the plans payment to the doctor as well. The copayment option is available in this case and you will have to pay a certain portion of the expenses which your plan is not covering.


The Medicare advantage plans are far more approachable and do not frighten a customer. There are various options for you to choose from but once you make sure which one of the plans you would like to avail and which one will cover most for you, it is as easy as it goes.