Medicare is a health insurance program issued by the government. The program covers people aged 65 or older, certain people with disabilities, and patients with end-stage renal diseases. It encompasses several plans and is divided into four parts with certain services – A, B, C, and D. Out of these, Part A is free for those who’ve paid Medicare taxes for at least ten years, but the others have to pay a premium.
Even though the program is helpful for many, some Medicare plans are complicated in terms of coverage. This makes it difficult to understand. They might cover various aspects of health care, but many conditions are not covered as well, some of which include:
Medicare plans may cover basic health care services and X-rays, but they have a limit of $1,500 annually. Medicare plans may not cover routine dental checkups and treatment of certain dental services. They also do not cover dentures and fillings. However, in the case of emergency hospitalization, patients can use Part A to pay off certain dental services.
Usually, all Medicare plans cover up to 90 days of hospitalization. The benefit period begins on the first inpatient day at a hospital or nursing facility and ends when inpatient care isn’t received for more than 60 days. Furthermore, if the patient suffers two or more accidents within 60 days, the Medicare plans cover the cost for only one of them.
Original Medicare plans do not cover the costs of cosmetic surgeries. However, if it is due to a deformity or injury, the patient can use Medicare plans to pay for certain health care services such as artificial limbs, artificial eyes, and replacement parts. Furthermore, breast cancer survivors can also employ Medicare to pay for a post-mastectomy breast prosthesis.
Health care received while overseas
In most cases, original Medicare plans do not include health care expenses incurred outside the country. However, the expenses can be paid for in rare and specific circumstances, which include the unavailability of the nearest US hospital close to the borders. In addition, certain plans may also cover healthcare services received on a ship in US territorial waters.
Medicare Advantage plans offered by private healthcare insurance companies cover the exclusions from parts A and B of Original Medicare. Some common examples of such plans are Health Maintenance Organization, preferred Provider Organization, Private Fee-For-Service Plans, and Special Needs Plans. For example, United Healthcare offers Part C Medicare Advantage with $0 copays, dental benefits, prescriptions, vision benefits, hearing benefits, and exclusive OTC credits. All private insurance providers who offer such plans with Original Part A and B benefits must follow the rules set by Medicare.
Abdominal Pain – Types and CausesRead More...
Abdominal pain causes extreme discomfort due to pain experienced anywhere between the lower chest and the groin. Abdominal pain varies from acute to chronic pain. It may be a dull sensation or a sharp, searing pain. There are several causes of the disease and it has many different symptoms. A few symptoms of abdominal pain include ulcers of the stomach, gallbladder disease, food poisoning, appendicitis, cysts, fibroids, STDs, cancer, and vascular problems. If you are suffering from pain in the abdomen for a prolonged period of time, it is absolutely necessary to visit a doctor and get it diagnosed at the earliest. Abdominal pain is generally described on the basis of the location of the pain, the type of pain, and its intensity.
Location of abdominal pain
- Upper abdominal pain
- Lower left abdomen pain
- Right upper and pain in lower abdomen
- Pain in the pelvis
Types of abdominal pain
The type of abdominal pain can go a long way in helping to determine the underlying cause of the pain. At times, it is difficult to categorize the kind of pain thus making it difficult to diagnose the disease. Here are a few common types of abdominal pain:
- Sharp pain
- Dull pain
- A stabbing sensation
- Tearing pain
- Experiencing cramps
- Twisting pain
- Extreme pressure
Causes of abdominal pain
Abdominal pain is quite common, and it can be complicated and caused by a number of factors. To put it into perspective, abdominal pain is one of the top two reasons why Americans visit the emergency room. Here are a few of its most common causes:
- Stomach flu
- Acid reflux
- Irritable bowel syndrome
- Food intolerances
- Gastroesophageal reflux disease
- Crohn’s disease
- Stomach or peptic ulcers
- Celiac disease
- Strained or pulled muscles
- Menstrual cramps or endometriosis
- Bladder and urinary tract infections
While pain in the abdomen is a common problem in the country, there is no reason why you should not seek immediate treatment on contracting this ache. It is unpleasant and leads to a variety of different symptoms and aches. If you are suffering from any of the symptoms of the disease, visit a doctor immediately and get it diagnosed. Your health is solely in your hands. On a correct diagnosis, the doctor would recommend a treatment option or prescribe medications to help ease the pain and discomfort.
5 errors truck drivers should avoid while on the roadRead More...
Driving a truck is no simple business as it involves many risks. Nearly all goods shipped across the country from major ports make their way inland after being brought in by a network of heavy-duty vehicles. It is a reason why truckers get paid big for long-haul cargo. The freight’s value also determines how much money can be made in a single trip. However, first-time drivers should be wary of some rookie mistakes during trips.
Big rigs take more time to come to a complete stop, especially at high speeds. Not gauging the distance properly could lead truckers to careen into the vehicle in front. This could even happen while changing lanes without leaving space for the trailer in the back, as it will swerve sharply at high speeds.
Breaching speed limits
Driving fast is necessary to maintain the highway speed limit. But that does not mean one should drive rashly. It is also not very cool to tailgate other vehicles and prompt them to speed. If the driver ahead loses control, this could result in a catastrophic accident.
Sleep deprived driving
When it comes to truck driving, deadlines are a crucial factor. But truckers are more likely to make silly driving mistakes that could result in a major accident if they don’t take adequate time to relax and cool down. Moreover, if the highway patrol catches drivers working overtime, a hefty fine and license suspension can bring the trucking business to a grinding halt.
Bad timing for fueling
Fueling up just before a weighing station on the highway is a critical mistake. Simply because the weight of the fuel can put the truck overboard on the allotted minimum towage restriction for that particular state or national highway, it is always better to fill up the tanks once well underway on the journey after completing highway formalities.
Modern-day trucks have a lot of safety and automation features that monitor throttle response and braking. But these safety assists are no excuse for driving trucks while engaging in activities like checking the phone or eating while driving.
Popular trucks for commercial driving
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