How Can Senior Women Make a Natural Face Cream at Home?

How Can Senior Women Make a Natural Face Cream at Home?


Making creams at home is easy irrespective of your age. In addition, they are effective and economical. You can modify them to suit your needs. Use essential oils that have proven themselves in the fight against aging, to create a wrinkle cream or lotion with healing properties.


Homemade creams are often more useful and effective than those purchased in the store.


Choose a product base:


Before making an aromatherapy agent, decide which base product is best for your skin type.


Cream – This dairy product is an excellent natural alternative to cosmetic creams.


Yellow Wax is a thicker and more viscous base for the essential oil. It has many healing properties. Despite this, it must be borne in mind that wax is not suitable for people suffering from eczema.


Oil base – Make a list of aromatherapy oils and choose the one that best suits your skin type.


Natural Cosmetic Foundation – They can be purchased at many stores selling natural cosmetics. As a rule, these substances are colorless and odorless. Everything is ready to add your chosen essential oil.


Ready-made cosmetics – You can add a few drops of essential oil in a ready-made body lotion or in a moisturizer. Based on the calculation of 5 drops of oil per 50 ml of lotion or cream.


Add a few drops of essential oil to the purchased ready-made cream to increase its effectiveness.


You can make aromatherapy cream, which will remove irritation from the skin of the hands.


The following are the basic recipes for moisturizers and lotions. Add essential oils to your cream to suit your skin type. Refer to the table of oils on the right and create your own recipes.


The Method:


Heat 50 ml of the base oil and 15 g of wax in a container of boiling water.


Remove from the heat and let it cool for a few minutes. Wait until it becomes thicker.


Once the mixture has cooled down a little, add 10 drops of essential oil.


Place in a clean glass container and close. Before use, make sure that the cream is quite thick.

Apply the cream to the face before bedtime.

Medigap Policy: People who’re at least 65 & living in the US must use 2020 Medicare Supplement Plans from https://www.2020medicaresupplementplans.comfor covering copay.

Medicare Advantage Plans, Why do you need it?

Understanding the options in Medicare is essential to manage your healthcare costs during the retirement period.  The biggest challenge faced by the retirees is in managing the costs of healthcare and especially with seniors, acquiring Medicare Advantage plans is essential. This is because the Medicare Advantage plans are a good substitute for traditional Medicare, but do not actually understand its working system. In fact, the seniors do not know if the plan they have chose in worse or better.

Often it is noted that with Medicare Advantage plans, there is some misunderstanding. Here we shed some light on the programs offered by Medicare, so that you comprehend the Medicare Advantage plans. Medicare Advantage plans are ideal for people over 65 and can be availed from any private insurance company.  Medicare Advantage plans participants are benefited as they can always get all the Medicare coverage such that it includes Hospital care of Part A and Medical services Part B and prescription drug coverage Part D. All these may be available in one policy.

United Healthcare medicare supplement plans provide complete coverage than the Original Medicare. This ensures fewer upfront costs for healthcare. This feature makes Medicare Advantage participants to avoid buying supplemental Medicare coverage, such as Medigap policies; to reimburse the expenses that traditional Medicare does not accept paying. Navigating the ins and outs when you cannot or can join or even drop the coverage of Medicare Advantage can be confusing than the Medicare simpler options. Undoubtedly, people consolidating their health insurance as their retirement years may find this suitable to have all in one policy. Thus, Medicare Advantage plans stay as an attractive option that can help in protecting Americans against healthcare expensive costs.

Despite the Medicare Advantage plans appealing characteristics, there are few downsides. The Medicare Advantage plans available in your state to you may be restrictive than you are actually used to or you may prefer when it is about seeing doctors. Medicare Advantage plans come in the formats as: HMOs- Health Maintenance Organizations, PFFS- Private Fee-For-Service plans, PPOs-Preferred Provider Organizations, and SNPs- Special Needs Plans. Thus, carefully review the options of Medicare Advantage plans as it varies with each insurance company and in each state. The prices may vary.

Medicare Advantage plans featuring HMO will mandate to have a primary care doctor referring you to specialists, rather than seeing any specialists on your own. HMOs covers services provided within their networks, which can have restrictions in doctors, you visit.  The PPO format allows you patronizing any doctor or hospital and on choosing as per in-network, you enjoy favorable terms. These plans may be expensive, but you have the liberty to take your decision or see a doctor.

Medicare Advantage Plans and its hidden costs

Are you new to Medicare is the common question, when you ask Medigap or Medicare Advantage plans, which is better?  In fact, Medicare Supplement Plans 2018 are around for a long time and are easy relatively to understand. The advantage is that Medicare Advantage plans perform in a different manner, but it generates much interest and this is owing to the premiums that are lower than Medigap plans. Medicare Advantage plans are referred to as Part C Medicare and they are private plans paying in place of Medicare. Today, majority Medicare Advantage plans have PPO or HMO network. Members using that network can have lower premiums access and a Part D built-in benefit, in many plans.

There are Medicare Advantage plans featuring as low as $0 as monthly premiums. It means you will pay nothing extra than what that you pay already for Part B. These plans include ancillary benefits such as vision care and routine dental.  The lower premiums and with extras appear attractive, but in Medicare Advantage plans, it involves back-end costs. These may be minimal if you are healthy. However, it can quickly add up in few years when you require more healthcare services, thus being aware of the details essential.

Part A and B of Original Medicare are covered by Medicare Advantage plans in the similar pattern. There are drugs or medical services as deductibles, so check the benefits summary to know the expenses, so that you are responsible for it with full preparedness.

Medicare Advantage plans members pay for medical services. They might have at the office of the primary care physician$10 copay and $40 for specialist. However, for a hospital stay for an inpatient requires daily copay for the stay for certain days. Of course, it varies by plan and can cost few hundred dollars as extra.

Copays are paid for x-rays, lab work, ER visits, ambulance rides and most other services. Consider the medical usage and assess that you may spend a month on an average. As copays add up than that you spend on a Medigap plan, you may consider going back for Original Medicare in association with a Medigap plan.

There are medical services that need you to pay 20% as you go with Traditional Medicare. This comes into effect with diagnostic imaging, durable medical equipment, radiation, chemotherapy and dialysis.

Costs Out-Of-Network
Generally the Medicare Advantage plans need you to use the network only and so that it is covered. However, the exception is in emergencies. A bit flexible is the PPO plans allowing network treatment out of the plan, but the costs needs to be shared and is often higher.

Comparing Medicare Supplement Plans vs. Medicare Advantage Plans

Have you heard about the Medicare supplement plans and Medicare Advantage plans? There have been confusion on how different the two are. This is the reason why we have decided to make the terms clear for you with this article.  You can get the both plans from private insurance firms.  When you have a Medicare supplement plan, it is easy for you to meet any doctor in the United States of America. Some of these plans can cover an emergency medical attention if you are not in the country.

The Medicare Advantage plans include the prescription drug coverage that was not taken care of by the Medicare Supplement insurance.  There is difference between the two Medicare insurance plans. The Medicare Advantage insurance gives a user the benefit of receiving your Part A and B plans through any insurance firm that has a dealing with Medicare.   Some of the benefits of the Medicare Advantage cover most of the items or areas that were not initially taken care of by the original Medicare like routine dental services and prescription drug advantages.

There are things you should know about the Medicare Advantage insurance, it has a low premium that is as low as not paying anything per month.  Though, it does not mean that you will not have to make payment for your monthly Part B premium.  When you have gotten a Medicare Advantage plan, you are also in the original Medicare program.  However it is important that you have registered with the Part A and B before you can make use of the Medicare Advantage program. The Medicare Supplement Plan can take care of some of the expenses of Part A and Part B out of pocket expenses, like copayments, coinsurance and deductibles. It is important that you get yourself enrolled in the Part A and B before you can be qualified to join the Medicare supplemental program. However, you can still get your benefits through the original Medicare plan unlike the Medicare Advantage that only offer you Part A and Part B benefits through a Medicare approved insurance firm.

There are letters that have been standardized in Medicare Supplement Plans 2018 in different states in the United States of America. Some of these plans include; A, B and up to N. We have up to ten different plans that are available in some states.  You should know that E, H, I, and J have no relevance in the country and are no longer sold. If you are in Massachusetts, Minnesota and Wisconsin, these states have their personal standardized Medicare plans.  Before you go for a Medicare supplement plan, you should do your homework first, ask question and meet your administrator. Sometimes, you have to be sure that the plan you are using is your own and not a wrong plan. The cost of some of the plans varies from one insurance firm to another because of the packages that are available and the state you are living.

Medicare Supplemental Plans

An Original Medicare Plan, both Part A and Part B, is taken up by people to pay for most of their health-care services and supplies. However, a lot of these services still go uncovered which requires the individuals to pay for them. Usually, these services are expensive and need insurance cover too. Some of these services can be covered by an additional Medicare Supplement Plan which is also commonly known as Medigap. Some of the services covered under a Medigap plan include copayments, coinsurance, and yearly deductibles. Some other services which are covered by a Medigap plan and not by an Original Medicare are emergency abroad travel coverage or Part B extra charges. Two Medigap plans out of the total of ten are also inclusive of yearly out-of-pocket limit, which are not covered by Original Medicare.In other words, by taking a Medigap policy an individual seals the “cracks” in Original Medicare coverage.

How do Medicare Supplement plans work in conjunction with Medicare?

As the name suggests, Medicare Supplement Plans are a supplement to your Original Medicare Coverage. This implies that your enrolment in an Original Medicareis a must for you to be eligible to be enrolled in a Medigap plan. Medigap plans are not meant to be individual benefits plan. Also, a continued enrollment in an Original Medicare is a must for you to be able to avail hospital and medical coverage.

Every state has slightly different rules regarding the eligibility for enrolling in a Medicare Supplement Plan. Some states don’t allow individuals under the age of 65 to get a Medigap plan if they have a Medicare owing to the reasons of disability, last-stage renal illness, or amyotrophic lateral sclerosis. States don’t need to propose Medigap coverage to recipients under the age of 65.If you are looking for a Medigap cover and have a Medicare coverage but fall into the category of less than 65, then you should check with the insurance department of the State to know your eligibility.

It is very important to be aware of the costs which will and will not be covered by a Medigap plan. If you are looking for a plan that coversthe costs of prescription drugs (Part D) then a stand-alone Medicare Prescription Drug Plan is your go to plan and not Medigap. Also, Medicare Supplement plan can only cover costs in Original Medicare so you can’t use it as a supplement to Medicare Advantage plan. As mentioned above, Medicare Supplement Plan 2018 works as a gap filler of Original Medicare. Take an example of a situation where you have an ambulance bill of $4,000. In case you have by now met the yearly Medicare Part B deductible then the Medicare plan will cover 80% of the said cost i.e., it’ll pay first. If you have also enrolled or a Medicare Supplement plan that includes Part B copayments and coinsurance expenses, then your Medigap policy would pay for the rest 20% coinsurance of your $5,000 ambulance bill. Some Medigap plans also cover Part B deductibles.

Know the different Network types of Medicare Advantage Plans

‘Networks’ in Medicare Advantage Plans can be found to be of three different types. They are:

  • HMO Plans (Health Maintenance Organization)
  • PPO Plans (Preferred Provider Organization)
  • PFFS Plans (Private Fee for Services)

The smallest provider network is HMO Advantage, since they have limited number of facilities, hospitals and doctors. PPO network has wide range of facilities, hospitals and physicians, thus allowing individuals requiring care with plenty of options to choose from, something not offered with small HMO network. PFFS represents the biggest group of facilities, hospitals and physicians.

Classification in details

  • HMO:
    • There will be coinsurance and copayments
    • Care will be received from HMO network doctors
    • Hospitalization received within HMO network
    • Facilities within HMO network to be used
    • Prior authorization must for visiting specialist
    • Specialist is to be seen
    • If out of HMO network services are availed, then full out of network fees are to be paid.
    • Few HMO networks have own prescription drug program like Medicare Part D.

This network although restrictive is found to be quite effective if facilities, hospitals and doctors can be switched.

  • PPO: In this form of Medicare Advantage Plans,
    • There is involved coinsurance and co-payments
    • Any doctor participating within the network can be visited
    • In network hospitals to be availed for hospitalization. Facilities that accept Medicare are to be used.
    • Prior authorization a must for visiting the specialist
    • Subjected to some out of network fees percentage around 30%, if out of network services are sought.
    • Few PPO networks come with own prescription drug program like Part D Medicare

Selecting PPO network involves less hassle since services can be availed across the State, however from a single hospital provide network.

  • PFFS:
    • Coinsurance and Copayments apply
    • Visit any doctor who is Medicare approved
    • Visit any hospital, Medicare approved
    • Visit any facility, Medicare approved
    • Seek out of network services
    • Prior authorization or referrals not required to visit specialist
    • Individual Prescription Drug plan is present. However, some plans do include Prescription Drugs.

Being among the top Medicare Advantage Plans, it does offer the person with great amount freedom. No network restrictions exist for doctors, hospitals and other facilities.

By understanding the different plans found under, it becomes easier for the individual to select a plan that will be deemed to be just appropriate to meet the specific needs and requirements.

How to Compare Various Medicare Supplement Plans 2019?

Presently, you can find as many as 7 Medicare Supplement plans that you can pick from – and these range from F to N, other than plans A to D. The advantages of each plan vary from another with little exception. In 1990, following the standardization of plans by Medicare, customers are able to compare the various advantages and costs of different plans in a better way. There are various Medicare Supplement Plans 2019 to pick from. It is essential that you conduct enough research in order to get one that matches your own situation and needs.

Check the legitimacy

You have to check whether the company that you are buying the supplemental plan from is a legitimate one. A number of agencies are only interested in collecting your personal details and selling them to many insurance agents. There are two methods to determine whether you are dealing with a legitimate Medicare Supplement Plans 2019 provider. You can find a toll-free number where you can call up customer support staffs. Also, you will find a statement in the company’s website that the agency will never sell or disclose your personal details to a third party.

Talk to an expert

In many cases, it would also be wise to get in touch with an expert specializing in Medicare supplement plans. This can reduce a lot of stress for you, and sort out many complicated issues for you. With his or her experience and training, the specialist can assist you with all your requirements.

Compare the costs

Compare the prices of various Medicare Supplement Plans 2019 that are available, while searching for various companies offering them. Better insurance agencies and brokers can offer you comparisons of plans from various insurance providers working in your region. The costs, in most cases, will vary even when the plans being offered are similar in form. Keep in mind that it is wise to invest some time into the research to arrive at a proper decision while buying the best plan for your needs and pocket.

Compare the coverage

You will also need to compare the amount of coverage being extended by each plan, and consider which type of coverage you require. If you only visit a doctor infrequently and happen to be in generally good health, you can go for Medicare Supplement Plans 2019 that offer basic coverage for medical expenses. On the other hand, if you are in poor health or progressing towards ‘senior citizen’ age, it is wise to opt for a plan offering extensive coverage.

Why buy a Medicare supplement?

Medicare supplement insurance is a must for those who survive on in a fixed income. It is a better approach to fix something before a financial mess occurs than after an accident. You should take some precautions so that you do not have to worry about your finances in times of need. Supplementary medical insurance can be a solution to this problem.

The insurance companies offering Medicare Supplement insurance are required by law to offer only 14 policies. All policies should cover a certain range of expenses. It is easy to find out the details of the plans, as the information is available on the company websites. It is however important to take time to find the best Medicare supplement plan for yourself.

Before you go shopping for the Supplement insurance, you should know about the facilities that can be covered by a primary Medicare plan. This is the first step in understanding what kind of supplement policy you need after Medicare coverage. The benefits that can be obtained from a Medicare are hospital expenses (Part A), the medical expenses and ancillary costs (Part B), at home recuperation, emergency travel abroad, blood bank services, costs of qualified nursing home, medication costs and for the cost the provision. It’s wise to understand and buy the best Medicare supplement plan as needed.

A consultant can inform you about the supplement plans guidelines provided by the various companies and can also advise you on the plan that best suits your needs. You need to understand the best supplement plan for you, as needs vary from one person to another, from a healthy person to a sick person.

You can find a range of complementary policies that offer attractive insurance policies, and then you can choose the most suitable Medicare supplement plan . You can ask for clarity before purchasing what the coverage is and what is not covered by a specific supplemental plan. Some plans do not have a premium payment service; though, these do not cover much. Again, the plans that have a premium cover more.

An important information for those who do not have much knowledge in this area: before purchasing a supplement plan, you must have both the Part A and B Medicare policies. In addition, the policy must cost at least $ 95.40 per month. These are the extra rigorous rules to control all Medicare supplements through federal and state laws for the protection of consumers.

The front-coverage area of ​​all companies is the same, and is also controlled by the laws of the federal and state.

However, one must compare all Medicare supplement plans, as the costs vary for the providers. Also one must properly understand his / her physical situation so that he/she can make the right choice of the best Medicare Supplement plan for a given situation.

Do you really believe that insurers will offer better coverage than required in all areas? Hence, if you are taking a Medicare Advantage plan, please be aware of your exclusions and limitations.

Why and How to Get Medicare Supplemental Insurance

Hаvе уоu ever wondered whаt Mеdісаrе ѕuррlеmеntаl рlаnѕ іѕ and why іt is аdvіѕеd thаt all ѕеnіоr citizens should gеt them? Aсtuаllу, thеrе are ѕеvеrаl reasons fоr whісh seniors ѕhоuld get thіѕ plan. Want to knоw what these rеаѕоnѕ аrе? Rеаd оn.

For starters, the Medicare commence whеrе the Mеdісаrе ѕtорѕ. supplements hаvе 12 various рlаnѕ аnd еасh оf thе рlаnѕ hаvе dіffеrеnt соvеrаgе wіth a hоѕt оf benefits. If уоu have a fіxеd monthly income аnd nееd regular medical attention thеrе саn bе nothing better thаn a Mеdісаrе ѕuррlеmеnt plan. Sесоndlу, thе іnѕurаnсе іѕ very easy on thе pocket аnd іf уоu аrе not financially vеrу strong, thе insurance wіll оffеr you dіffеrеnt соvеrаgе орtіоnѕ. All the рlаnѕ аrе regulated bу thе government аnd уоu саn rеѕt assured thаt уоu will fіnd a рlаn to ѕuіt your nееdѕ. Yоu саn also get a ԛuоtе fоr frее. Wіth thе Mеdісаrе plan, thеrе is nо guеѕѕwоrk аt аll. Juѕt concentrate on уоur health and уоur budget аnd орt fоr a рlаn thаt will wоrk thе bеѕt fоr you. Get a quote at

Sіnсе уоu саn get thе Mеdісаrе quotes fоr frее іt іѕ іmроrtаnt thаt уоu don’t jumр thе gun аnd соmраrе thе рrісеѕ саrеfullу bеfоrе ѕіgnіng оn thе dоttеd lіnеѕ. When уоu соmраrе thе Mеdісаrе supplemental ԛuоtеѕ the fіrѕt thing that уоu nееd tо do іѕ соnѕіdеr уоur income. Thіѕ wіll gіvе уоu аn іdеа аbоut whісh type оf соvеrаgе уоu can аffоrd. It іѕ аdvіѕаblе tо opt fоr a plan that covers со-рауmеntѕ аnd Mеdісаrе dеduсtіblеѕ fоr vіѕіtѕ tо the dосtоrѕ’ сhаmbеrѕ аnd hоѕріtаl ѕtауѕ. Thе nеxt thing that уоu nееd tо dо is thіnk саrеfullу аbоut thе hеаlth benefits that уоu rеԛuіrе thе mоѕt.

Yоu nееd tо dесіdе whеthеr уоu wаnt to hаvе thе flеxіbіlіtу оf gоіng tо thе hоѕріtаl or dосtоr оf уоur choice whеn the nееd arises. Once that іѕ dесіdеd, gеt in tоuсh with the rеnоwnеd іnѕurаnсе соmраnіеѕ оf уоur ѕtаtе. Ask thеm for the supplemental quotes аnd see thе prices оf different соvеrаgе. The members оf Amеrісаn Aѕѕосіаtіоn оf Rеtіrеd Pеrѕоnѕ аrе еlіgіblе fоr some Mеdісаrе ѕuррlеmеntаl іnѕurаnсе рlаnѕ. If аррlісаblе, dо check thеm out. Bеfоrе уоu zеrо іn оn a раrtісulаr іnѕurаnсе соmраnу check wіth thе ѕtаtе іnѕurаnсе department fоr thе credibility оf the соmраnу.

Why and How to Get Medicare Supplemental Insurance After Your 65th Birthday

Hаvе you еvеr wondered what hoopla about Mеdісаrе ѕuррlеmеntаl рlаnѕ is аnd whу іt іѕ advised thаt аll senior сіtіzеnѕ ѕhоuld gеt them? Actually, thеrе аrе ѕеvеrаl reasons for whісh ѕеnіоrѕ ѕhоuld gеt thіѕ рlаn. Want tо know whаt these rеаѕоnѕ are? Rеаd оn.

For starters, the Mеdісаrе соmmеnсе whеrе thе Medicare stops. Thе ѕuррlеmеntѕ hаvе 12 various рlаnѕ аnd еасh of thе рlаnѕ hаvе dіffеrеnt соvеrаgе with a hоѕt оf benefits. If уоu have a fіxеd monthly іnсоmе аnd need rеgulаr mеdісаl аttеntіоn there саn bе nothing bеttеr thаn a Medicare ѕuррlеmеnt рlаn. Sесоndlу, thе insurance іѕ very еаѕу on the pocket and іf уоu аrе nоt fіnаnсіаllу vеrу strong, thе insurance wіll оffеr you different соvеrаgе options. All thе рlаnѕ аrе regulated bу thе government and уоu can rеѕt аѕѕurеd that уоu wіll fіnd a plan to ѕuіt уоur nееdѕ. Yоu саn аlѕо gеt a quote for frее. With the Medicare рlаn, thеrе іѕ nо guesswork at аll. Juѕt concentrate оn уоur health аnd your budget and орt fоr a plan that will work the bеѕt for you.

Sіnсе уоu can gеt thе Mеdісаrе ԛuоtеѕ fоr free іt іѕ іmроrtаnt thаt уоu dоn’t jumр thе gun аnd соmраrе the рrісеѕ саrеfullу before ѕіgnіng on thе dоttеd lines. Whеn уоu соmраrе thе Mеdісаrе ѕuррlеmеntаl ԛuоtеѕ thе first thing thаt уоu nееd tо dо іѕ соnѕіdеr your income. Thіѕ wіll gіvе you аn іdеа аbоut whісh tуре оf соvеrаgе уоu саn afford. It іѕ аdvіѕаblе tо opt for a рlаn thаt covers со-рауmеntѕ аnd Mеdісаrе dеduсtіblеѕ fоr vіѕіtѕ tо thе dосtоrѕ’ сhаmbеrѕ аnd hоѕріtаl ѕtауѕ. Thе nеxt thing that уоu nееd tо do is think саrеfullу аbоut the hеаlth benefits that уоu require thе mоѕt.

You nееd tо dесіdе whеthеr уоu wаnt tо hаvе thе flеxіbіlіtу оf going tо thе hоѕріtаl оr doctor of уоur сhоісе whеn thе nееd arises. Once that іѕ decided, get іn tоuсh wіth thе rеnоwnеd іnѕurаnсе соmраnіеѕ оf уоur ѕtаtе. Aѕk thеm fоr thе ѕuррlеmеntаl ԛuоtеѕ аnd ѕее thе рrісеѕ оf dіffеrеnt соvеrаgе. Thе members of American Aѕѕосіаtіоn оf Rеtіrеd Pеrѕоnѕ аrе еlіgіblе for ѕоmе Medicare ѕuррlеmеntаl insurance рlаnѕ. If аррlісаblе, do сhесk them out. Before уоu zero іn on a раrtісulаr insurance соmраnу сhесk wіth thе ѕtаtе іnѕurаnсе department fоr the сrеdіbіlіtу оf the соmраnу.