Medicare Advantage is a program that individuals can use to access health care services as an alternative to Medicare Original. It is a form of private health care plan that requires an individual to pay a monthly fee that is typically larger than that of Original Medicare. Private insurance companies that have Medicare benefits are responsible for selling Medicare Advantage Plans with the most common types being Private-fee-for-service (PPFS), Health Maintenance Organizations (HMOs) and, Preferred Provider Organizations (PPOS).
A beneficiary of Medicare Advantage must sign up for part A that is responsible for the inpatient care insurance and part B that handles outpatient care. There is also the option of including a part D when signing up if you need a private plan to cover medical drugs. The services you get with a Medicare Advantage plan are essentially the same ones as with Medicare Original except for a few differences. For one, with a private plan, you don’t get hospice care. Private plans also have some extra services that you may not have access to with an original plan such as dental, hearing, and vision care. Medicare Original does not usually cover drugs, which is another advantage if you have part D coverage. However, some plans may only cover medically necessary services, so you should find out when choosing one.
When it comes to costs, private plans have their own rules that a beneficiary should follow. The company and deductibles of a Medicare Advantage plan vary from one to another, and you have to pay the plan’s premiums plus the Medicare premium. A private plan comes with a cap on out-of-pocket costs, which means that you cannot get the Medigap supplemental insurance as is the case with Medicare Original.
One provider that caters to the various needs of individuals in need of Medicare Advantage plans is InnovaCare Health, a leader in healthcare management services. Operating under a mission to redefine healthcare management, Innovacare puts together quality solutions that are innovative, affordable, and organized.
Innovacare has been able to achieve its reputable spot in the healthcare sector due to the contributions of its CEO, Dr. Rick Shinto and Chief Administrative Officer, Penelope Kokkinides. Dr. Shinto’s experience in the field of managed healthcare of over 20 years gives him the skills and authority to structure programs that offer the best medical care. Penelope Kokkinides has also worked in the managed care industry for about two decades with a focus on government programs such as Medicare.
YouTube beauty blogger Wengie gives viewers 11 DIY hacks for summer. She begins with suggesting using a kid’s swimming pool as a floating island in a big pool for when you don’t want to get fully wet. Next she shows how to make a floating drink caddy out of a plastic tub and pool noodles so you don’t have to get out of the pool to get a drink.
Her next hack is to make a body scrub with olive oil, sugar, and honey. She shaves, applies it to her legs, then shaves again for a close, smooth shave. Wengie’s next hack is to make a DIY self tanner using cocoa powder and body lotion. Next she shows how to make a tan tattoo by drawing a cute shape on your body with sunscreen. She then suggests applying loose translucent powder to your face through a tissue to soak up oil from sunscreen or just the heat.
Wengie then suggests rubbing toothpaste onto bug bites to sooth the itchiness. Next she shows how to keep mosquitoes away. She puts water in a jar, then adds lavender and eucalyptus oils, lemon and lime slices, and rosemary sprigs and tops it off with a floating candle. Her next hack shows how to DIY glowing lanterns. She breaks some glow sticks, cuts them open, and lets them drip into jars for a colorful decoration.
Next, Wengie suggests putting your belongings into a garbage bag and then into your beach bag to protect your phone and other stuff from the sand and water. Her final hack is to clip sandals to your beach bag with a carabiner so you don’t lose them and so you don’t have to carry them as you walk along the beach.
I decided that taking the challenge from NutriMost to lose 40 pounds in 40 days was a good idea because I needed to be pushed. I knew that I had to do something that was going to make me lose weight, and I wanted to try it because I heard that it was all based on food. Doing a diet based on food has changed the way that I think about my weight, and I was so glad that I was able to start using it. I met some people who were doing the challenge, and I even met a guy who has done it twice to lose a lot of weight.
The food that I read about online is really the basis of what I am doing to handle my diet because it tells me what to eat. I have also been able to get the food that I want off the menus that worked for me. I knew that I was going to have a hard time cooking on my own, but NutriMost makes that work. After that it was all a matter of losing the 40 pounds in 40 days. That is a pound a day, but staying on the diet is so much easier when you are using something like NutriMost. It keeps you motivated because it is right there to help you.
The last part of this for me was the people I met. We are all there helping each other make sure that we have the right kind of help for the diet, and we are all supporting each other because we believe in helping each other. I have shared ideas with some of these people, and others have shared their recipes. I am definitely doing the challenge a second time while my friend does it a third time.
With all of the commotion and excitement at the end of the school day, our little ones are leaving behind so much that we never get the chance to see. Poems and art work that they work so hard on never get the praise it deserves from us, and sometimes we miss out on how brilliant our children are outside of what we already know. It is important that as parents we are able to promote success and be a part of our children’s journey.
ClassDojo is an educational social media app that provides a platform for teachers, parents and students to share and communicate all things educational in a safe environment. The one of a kind educational app recently made a change that will make the sharing experience even easier. They have added Student Stories to the app, which allows students to upload and store photos to a digital portfolio for their parents to view later.
Co-Founder and Chief Product officer Liam Don sat down for an interview with The 74 million to talk about the innovative application and its new improvements. Before the new Student Stories feature, students were able to share and discuss homework, but other assignments like science and creative writing were off limits. For most kids, those are the most exciting parts, getting down and dirty with a messy science project, or just being creative and letting your mind flow.
ClassDojo launched in 2011 with a goal of linking parents to the classroom in a fun and convenient way. Because most parents are employed full-time, it is sometimes difficult for them to participate in school activities, or be as hands on as they may want to be. Liam Don hopes that ClassDojo will help change that. He believes that this platform will help spark conversation between parents and students about their shared work and projects at the dinner table, or even on the car ride home.
They focus heavily on grades K-8, helping teachers, students and parents create a more intimate relationship with classwork. Class Dojo is widely appreciated by all users because of its ability to connect and share like never before.
Brad Reifler wants to help those middle class investors find an answer to the all important question “How do I make more money with my investments?” As Yahoo! Finance reports, Reifler and his company, Forefront Capital, are working very hard at developing a new investment trust to aid investors reach their goals.
Reifler has enough experience in the world of finance and investing to realize people who come from the “99%” may not have the necessary resources available to them to take part in high-volatility investments. In a way, this is a positive thing. High-risk investments are ones known for a greater potential for losses. Investors with significant net worth amounts are more capable of navigating losses from such endeavors. They also have the potential to make huge returns on investments if things work out in their favor.
The non-accredited investor, however, must accept more limited options. Unfortunately, he or she ends up limiting those options even further by assuming exceedingly few options are available. The belief there are few investment options opens is one reason why the “average investor” puts way too much money into the stock market at the exclusion of other investment vehicles.
Limiting one’s investment options is never a good idea. Doing so puts a person at the mercy of that particularly narrow investment. Without versatility and diversification, an investment portfolio will be, at best, conservative. More than likely, the portfolio will fall well below its earning potential. Those saving for retirement won’t likely be thrilled about this outcome.
The Forefront Income Trust is the new investment venture designed for non-accredited investors. Entry into the trust requires a minimum of only $2,500. The investment assets in the trust are diverse, which means the assets go beyond just publicly traded stocks. The trust comes with higher risk, but effective management of the trust hopes to mitigate said risk. Check Brad out for yourself on Twitter @BradleyR.
Ken Goodrich has a reputation for buying and improving HVAC companies, over his career he has worked to fixed 20 companies. Every new acquisition has its set of challenges, but Goettl Air Conditioning was more than just business issues. Goettl needed a change in vision, and Goodrich felt like he was the man for the job.
Goettl Air Conditioning needed a change from the top down, so one of his most sweeping changes was the management team. He “cleaned house” and brought in new management to help instill a different vision. Goodrich also tasked the employees with doing quality checks on 300 completed installations. He wanted the employees to feel proud of their work and the customers to see the change in the company. Goodrich required employees to take pictures to sign off on all installations.
Goodrich improved the office systems within the company. He updated their book keeping, financial systems, and information technology department. This improvement on all sides ensured that the company didn’t lose money. Goettl had a special place with Goodrich.
The 75th anniversary marked a new era for Goettl. Goodrich worked diligently with his team to improve all areas of the business. He even worked with the BBB to secure a new (still Goettl) name for the company to help get away from previous bad ratings.