Medicare Supplement Plans – Three Little Known Ways to Save Money on Your Plan

Many people are talking about saving money these days. It is a primary topic of discussion. Prices for some things seem set in stone though, as if there is no way to reduce your costs. Most seniors assume that Medicare Supplement plans fall into the “set in stone” category; however, that is not necessarily the case, as there are several significant ways to save money on your Medigap plans.

Below, we have listed three way to save money on your Medigap insurance that many people may not recognize or know about:

  1. Household (husband-wife) Discount – This is probably the easiest way to save money – to have the same plan as your spouse. Not all companies offer this, but the majority of competitively-priced companies do. It is an incentive to keep all of your business (both you and your spouse) with the same company. If you ARE with the same company and are NOT receiving this discount, you should ask your current company about it – or, possibly, find a new company that would be less expensive and/or offer this discount.

  2. Payment Mode Discount – Companies handle this is different ways. Many are less expensive when you pay monthly by bank draft; however, some are still less expensive if you pay annually or semi-annually. Regardless, this is something to look into.

  3. Early Enrollment Discount – A few companies offer an early enrollment discount for those who enroll in their plan within a certain time period after turning 65. This discount usually is reduced over time; however, when enrolling at or near age 65, the discount can make one company’s rates better than another.

Keep in mind that the actual rate for Medicare Supplement plans is set. One agent or broker cannot offer a better rate than another. However, these company-offered discounts can affect the rates a good bit and make one companies rates more competitive than another.

If you are not getting all, or any, of these discounts and you feel like you should qualify, we recommend comparing your coverage to see if there is another company that offers the discounts and would be more advantageous to you financially.

Erectile Dysfunction Treatment With Supplements and Enlargement Devices

Let’s start off with some facts. Erectile Dysfunction effects 1 in every 10 men in the world today. This is based on information from Minnesota Men’s Health Center. What this means is the inability to maintain an erection or get one in the first place. You might not of known there are degrees of this impotence problem. They range from mild to severe. Mild cases have no problem 70%-80% of the time and severe cases never see improvement.

In order to treat impotence there are a few different types of methods. The most effective method is the safe route. This is a non-prescription method of male enhancement called Male Extra that uses herbs and nutrients that have been proven to increase blood flow as well as improve the health of your blood vessels and skin durability. The main ingredients of this supplement include Pomegranate, Muira Pauma, and Horny Goat Weed among many more aphrodisiacs that have been used to treat erectile dysfunction for centuries.

The next method is a male enlargement device or an extender. This will only work for men who are at least 4 inches big already. The way it works is like working out muscles. Extenders like the Jes-Extender or Phallosan use comfortable and high quality materials to improve your length and size by at least 1.5 inches. This is a good thing to use if you suffer from ED because it helps your corpus cavernosum get into shape and become much healthier. Additionally, it is able to be filled with blood much easier and has more endurance. Keep in mind this should be used in mild to moderate cases.

How Best To Lose Weight With Supplements

Learning how to lose weight with the aid of sports  supplements  can be a very tricky and confusing affair. If you are struggling to discover which  supplements  to take then you will find all the facts you need in today’s short article.

The reason this particular area is often so misleading comes down to marketing. With so many rival companies vying for your cash, you often end up in a situation where products are literally claiming that they will do all of the work for you, just so they can out-yell the competition.

Despite the huge confusion and wide range of substances which claim to be the best of their generation, the underlying facts remain quite simple.

Before you are able to truly get the most from what the science world has to offer you as an exercise enthusiast, you must first assess just how serious you are. Have you already set out a decent eating plan and workout routine? If so,  supplements  will enable you to take your results to the next level. If not, you’re probably looking for something which doesn’t exist. Miracle pills have not yet been invented, and likely never will, but there are more than enough companies out there prepared to take your cash if you keep being so naive, so this is the first area to work on if you’re in that situation right now.

Below is a quick guide to six of the most proven legal substances for use with any fat loss regime:

* Whey protein

* Creatine

* Glutamine is excellent for recovery

* Caffeine

* The importance of carbohydrates

While some of the things listed are quite popular and are used by a lot of people, we’d place a safe bet that around half of those individuals could not tell you why they are using those particular products if you were to ask them. That’s because we live in a world dominated by hype. However, learning the facts isn’t difficult.

Whey protein is primarily a way to help you get more quality protein into your daily diet without constantly eating lean meat and preparing meals. If you are trying to achieve weight loss goals, look for a protein product which provides you with a low carbohydrate content per serving alongside 20-25 grams of quality protein.

Creatine is mainly known as a strength building product, so you may be surprised to see it here. However, while helping you to increase your explosive strength, which will in turn help you to build more lean muscle, your body will be able to burn fat more effectively.

When it comes to muscle recovery there is one substance which stands tall above all others in it’s category. That substance is Glutamine. An amino acid, the primary function of Glutamine is improving your body’s recovery time after each hard gym session. This enables you to get more from every workout and, as a net result, but off more calories each time you exercise.

Caffeine is the primary substance you will see associated with burning fat because it is included in almost every fat burning pill on the market today. By increasing your resting heart rate you allow your body to burn more calories with the regular daily activities you partake in. This is why you’ll often hear caffeine bandied around celebrity gossip magazines as some kind of wonder product.

Carbohydrates have got an unfair reputation over the last ten years. Ever since Brad Pitt declared in an episode of Friends that complex carbohydrates were his enemy, glossy magazines around the globe have been declaring war on any foods containing this misunderstood macronutrient. Simply put, your body needs them. The main issue is sorting them into two types: Slow release and quick release. Quick release are usually found in sugary foods and should be avoided, whereas slow release forms will fuel your body and actually increase results for you.

So, the next time somebody tries to confuse you in the science behind how to lose weight or which  supplements  to take you now have the knowledge of the top six products science has discovered over the last twenty years. Rather than falling for the next big thing, you can help others to get out of the cycle as well.

Vitamins for Improving Brain Health and Function

Nootropic stimulants and  supplements , also known as memory enhancers, cognitive  supplements , or even “smart drugs,” are becoming more prevalent in our society on a daily basis. From the “Adderall Epidemic” sweeping across college campuses, to the variety of natural cognitive  supplements  derived from B Vitamins and other natural sources, people are interested in finding methods to improve their cognitive function. Many consumers are becoming wary of taking prescription-strength pharmaceutical drugs to increase their cognitive function, as they are mostly made using a combination of amphetamine salts and other synthesized materials that can cause a variety of negative side effects, including loss of appetite, disruption of sleep patterns, depression, anxiety, psychosis, and death. Prescription-strength pharmaceutical nootropic drugs also have high potential for abuse and addiction; many are classified as controlled substances by governments across the world, and buying, selling, or possessing them without a valid prescription can lead to felony charges.

Fortunately, there are a variety of naturally-occurring vitamins that can help increase cognitive function just as well, without the negative side effects or possible legal ramifications. B Vitamins, especially Vitamins B6 and B12, are extremely important to improving cognition. Vitamin B6 aids chemical reactions that carry oxygen through your brain, providing essential fuel to power your brain. It also helps metabolize glucose into energy. Vitamin B6 can be found in most meats (including fish), bell peppers, potatoes, yams, green peas, broccoli, peanuts, cashews, sunflower seeds, wholewheat bread, chickpeas, lentil, and kidney beans, as well as a variety of over-the-counter Vitamin B Complexes and Cognitive  Supplements . Vitamin B12 is another essential vitamin to increase cognitive function and maintain brain health. Vitamin B12 helps stop brain shrinkage by breaking down the amino acid homocysteine, fighting cognitive decline, especially for seniors and Alzheimer’s patients, and can be found in salmon, trout, dairy, beef, cheese and eggs.

Many health professionals recommend adding a Folic Acid  supplement  to a B Vitamin regimen, because it works in conjunction with Vitamin B12 to hunt and break down homocysteine and helps to build and maintain cells in the brain and body. Folic Acid also assists Vitamin B6 in converting food to energy. Folic Acid can be found in foods such as lentils and beans, spinach, asparagus, avocado, peanuts, eggs, corn and most berries.

Alpha Lipoic Acid is another Vitamin that can help increase cognitive function and fight mental decline. It is an antioxidant that attacks free radicals that can damage your brain cells, and also assists in converting glucose to energy. ALA is also water and fat soluble, so it can work in all cells in your body and brain, destroying the bad waste bodies make when converting food into energy. It can be found in red meat and yeast.

Phosphatidyl Serine is quickly becoming known for increasing cognitive function as well.

It is proven to increase thinking skills, improve athletic performance, fight Alzheimer’s disease, and is even known to be an effective natural treatment for ADD or ADHD. It helps maintain cellular function in brain cells, and is part of the structure for brain cells.  Supplementing  your diet with added Phosphatidyl Serine can definitely help to improve cognitive abilities and increase brain health. You can add more Phosphatidyl Serine to your diet by eating cabbage, soy beans, tuna, crayfish, most lean meats, carrots, milk, and potatoes.

There are many cognitive  supplements  that conglomerate the above ingredients with various other natural vitamins to create effective cognitive enhancers in pill or capsule form. They can provide 100% + of the vitamins needed to maintain and improve cognitive function, and unlike their pharmaceutical siblings, don’t have the risk for abuse or addiction, and won’t cause death from overdose. These cognitive  supplements  are being used every day by college and university students, business professionals, active baby-boomers and retirees, seniors looking to increase their memory and energy, and even athletes and bodybuilders who are seeking a mental edge in their performance. While the motives behind use may vary, vitamins to improve cognitive function are here to stay, and will only get more powerful and more effective with further research and design.

The Most Important Supplement – Multi Vitamin

Multi vitamins are so common these days you wouldn’t even think of them as a supplement. A multi vitamin is defined in the dictionary as “a preparation intended to supplement a human diet with vitamins, minerals and other nutritional elements.” The US government categorizes multi vitamin under “food”, because it contains 3 or more vitamins or minerals but does not contain herbs, hormones, or drugs.

The multi vitamin can come in many forms such as tablets, capsules, packs, powders, liquids and even injections; however, injections can only be prescribed by a doctor. There are many different combinations and doses of vitamins and minerals and many of them exceed the 100% recommended daily allowance. Depending on your physical needs, many of the excess vitamins and minerals that cannot be digested are harmlessly excreted out of the body. There are a few that will not exceed the RDA such as Vitamin A, Vitamin K, Iron, and many of the trace elements because they are not easily depleted unless under extreme physical stress and could become toxic if too much is retained in the body. Because the body’s nutritional requirements will differ depending on your physical requirements and diet, most multi vitamins are formulated for specific groups of people such as men, woman, over the age of 50,prenatal, stress relief and athletic.

Most multi vitamins will include these standard nutrients:

Vitamin A– Vitamin A plays a role in several functions throughout the body such as vision, bone metabolism, skin health, immune function, antioxidant activity and reproduction. It is found in many foods but these particular foods contain large amounts; liver, sweet potato, carrots, broccoli, kale, butter, spinach and leafy vegetables. Deficiencies in Vitamin A can cause impaired vision, particularly in reduced light (night vision), impaired immunity and red bumps on the skin called Keratosis pilaris. Too much Vitamin A can be toxic so do not take more than 5000 UI per day for males and 4000 UI per day for females.

Vitamin C– Vitamin C helps keep your immune system strong and is a powerful antioxidant, helps reduce the risk of heart disease, plays a major role in collagen production and it helps the body recover faster from a hard workout. Vitamin C can be found in many fruits, vegetables and in animal products such as raw cow’s milk and liver. Deficiencies in Vitamin C is known to cause Scurvy, liver spots, feelings of depression, their skin looks pale, and are more susceptible to lung borne diseases.

Vitamin D– Vitamin D helps the body absorb calcium and phosphorus and is necessary for thyroid function and bone growth. Vitamin D is naturally produced by the body when it’s exposed to sunlight however due to the negative effects of UV rays; many foods such as dairy products, oil, cereal and bread are now enriched with Vitamin D. You can also find Vitamin D in fatty fishes, eggs, and liver. Deficiencies in Vitamin D in children can cause Rickets, a growth deformity of the bones. In adults deficiencies can cause thinning of the bones (Osteomalacia) and reduced density of the bones (Osteoporosis). Vitamin D deficiencies have also been linked to diseases such as type 1 diabetes, high blood pressure, cancer, and multiple sclerosis.

Vitamin E– Vitamin E is another powerful antioxidant and is important for a healthy immune system. Vitamin E is important for hard training athletes as their immune systems can be worn down and make them susceptible to health issues. Vitamin E can be found in foods such as whole grains, nuts, milk, eggs, asparagus, vegetable oils and avocados. There have been no known symptoms of deficiencies in Vitamin E.

Vitamin K– Vitamin K plays a key role in blood coagulation, bone metabolism, and the circulatory system. Vitamin K is found mainly in green leafy vegetables but can also be found in avocados and kiwifruit. There are usually no symptoms of deficiencies in adults; however, adults that suffer from liver damage, cystic fibrosis, who have recently had abdominal surgery, bulimics and certain drugs may inhibit the absorption of Vitamin K. Symptoms of deficiencies are anemia, bruising and nose bleeding. Vitamin K should be stored in the cupboard as it will lose its potency in sunlight.

B Vitamins– There are 8 distinctive vitamins that fall under B vitamins umbrella and are discussed in detail in my previous article “B Vitamins Play an Essential Role in Metabolism”. B Vitamins play a key role in increasing the rate of metabolism, maintaining healthy skin and muscle tone, enhancing immune system and nervous system functions and promoting cell growth. B Vitamins can be found in a variety of foods such as animal products, legumes, yeast, fish, seeds and whole grains. Deficiencies in B Vitamins can cause various symptoms such as weight loss, weakness of the limbs, depression, sensitivity to sunlight, diarrhea, insomnia, acne, water retention, and high blood pressure.

Calcium– Is the most abundant mineral in the human body, 99% of it is contained in the bones and teeth. Calcium plays a role in many biological functions such as muscle contraction and as a neurotransmitter between cells, but Calcium’s claim to fame is its role in bone development and sustaining bone density. Calcium can be found in many foods such as dairy products, nuts, sesame seeds, lentils, and eggs. Symptoms of Calcium deficiencies are Osteoporosis and Osteomalacia, thinning of the bones.

Potassium– Potassium is a mineral that can reduce hypertension, heart disease and stroke. Potassium also plays a role in neurotransmission, muscle contraction and heart function. Most fruits, vegetables and meats contain Potassium in low quantities, but orange juice, bananas, kiwi, potatoes, tomatoes, broccoli, soybeans, brown rice, and garlic are rich in Potassium. Deficiencies of Potassium are rare but in severe cases of vomiting and diarrhea can lead to symptoms such as muscle weakness and cramps.

Zinc– Zinc is an essential metallic trace element which assists in many functions within the body. It is instrumental in immune response, brain function and plays a role in prostate gland health and reproductive organ growth. Zinc plays a major role in cellular metabolism as over 100 enzymes rely on zinc to be a catalyst in many chemical reactions. Zinc also helps DNA tell cells what to do such as hormone secretion and nerve impulses; which is important for growth and disease prevention. Zinc is found in red meat in high concentrations but it is also found in whole grains, beans, almonds, and various seeds. Deficiencies in Zinc can cause repressed growth, diarrhea, impotence and weakened immune system.

Magnesium– Magnesium is another metallic trace element that is essential for all cells in a living organism. Over 300 enzymes require Magnesium to be the catalyst in various chemical reactions including synthesis of ATP into energy. Magnesium also facilitates calcium absorption into the body. Magnesium is found in spices, nuts cereals, coffee, cocoa, tea and green leafy vegetables. Modern countries have inadvertently reduced the amount of Magnesium intake due to the food refining process and modern fertilizers; which do not contain Magnesium. Deficiencies in Magnesium do not usually show symptoms, however deficiencies have been associated with the development of certain illnesses such as asthma, osteoporosis and ADHD.

Chromium– Chromium is another metallic trace element that is required for the body’s production of insulin. Insulin is a hormone that regulates the body’s blood sugar levels. Chromium helps transport blood sugar from the bloodstream into the cells and is critical in the process of turning fats, carbs and proteins into energy. Good sources of Chromium are brewer’s yeast, meats, whole grains, nuts and cooking with stainless steel cookware. Symptoms of deficiencies in Chromium are rare; however, in severe cases it can cause weight loss, confusion and insulin resistance.

Manganese– Manganese is another metallic trace element that ensures healthy bones, bone metabolism and helps the body absorb Calcium. It is also involved in, insulin regulation, formation of connective tissues, thyroid regulation, collagen formation, metabolism of fats and carbohydrates and is a powerful antioxidant. Manganese can be found in many foods such as meats, nuts, garlic, green vegetables, brown rice, and raspberries. Deficiencies in Manganese are rare but can occur. Symptoms include bone malformation, high blood pressure, high cholesterol and muscular contraction.

Iron– Iron is another metallic trace element that is essential for life. Iron is essential to the proteins that are involved in oxygen transport and for regulating cell growth and metabolism. Iron can be found in meats, cereal’s fortified with iron and cooking with iron cookware. Deficiencies in Iron cause a lack of oxygen to be delivered to the cells and therefore results in fatigue, restless sleep, lack of concentration and decreased immunity. Conversely, too much Iron in the body is very toxic and therefore many vitamins state on the bottle either “with Iron” or “without Iron”. Iron’s RDA for men are 10 mg and for women is 15mg a day, but for athletes, it could be as much as 25 mg a day.

Selenium– Selenium is another metallic trace element that is essential in the activation of glutathione peroxidases, a powerful antioxidant. Selenium is also required for the proper functioning of the thyroid. Selenium can be found in many foods such as nuts, fish, meats, eggs crab and lobster. There are no symptoms of deficiencies of Selenium however when supplemented it seems to have a positive effect on male infertility, cancer cells, and tuberculosis.

How is your diet and what are your physical needs? The majority of Americans do not eat a balanced diet to provide them with all the nutrients to fight off disease, keep bones healthy, protect the skin, cardiovascular health, give us energy and in general to keep us healthy. The proper amount of each nutrient is dependent on your physical needs. Choosing the right multi vitamin can be difficult but here are some things to consider when purchasing a multi vitamin.

Athletes– You will need a multi vitamin with higher overall content as many of them are depleted or excreted out of the body via sweating or urination. These vitamins are especially susceptible to being depleted, B vitamins for energy, potassium for muscle regulation, iron for proper oxygen transport and muscle growth, Vitamin C for proper immune system regulation and calcium for strong bones. If your body’s Calcium reserves are depleted your body will “steal” it from your bones and can lead to future skeletal diseases. Many vitamins will contain amino acids for muscle building and recovery and high levels of antioxidants to eliminate the free radicals produced by a strenuous workout.

Adults over 50– May want to take a multivitamin that is higher in Calcium and vitamin D for bone health and to prevent osteoporosis. B vitamins are important for energy and proper absorption of nutrients from food and as we age, our bodies are less able to absorb them. CoQ10 for heart health and energy and as we get older our production levels decreases. Vitamin K for bone health and its antioxidant properties have been shown to prohibit the development of Alzheimer’s disease. Lycopene to reduce the risk of cardiovascular disease, diabetes and has been shown to have positive effects on prostate health.

Prenatal– Will have a higher concentration of B9 (Folic Acid) for proper brain, spine and skull formation in fetuses, calcium for proper bone formation and iron for the proper development of red blood cells. It will also have a reduced level of Vitamin A as it can cause health defects in fetuses.

Women– Need to have a multi vitamin higher in calcium for strong bones, as women usually do not get enough from their diet alone. Vitamin B9 (Folic Acid) for overall health, preventing genetic diseases, and may also prevent cancer and heart disease. Women also need more Iron as women do not eat much meat and they lose a lot of iron every month through menstruation.

Men– Need Boron for prostate health, calcium for healthy bones, chromium to regulate blood sugar levels, Folic Acid for regulating blood flow and reducing the risk of Alzheimer’s disease, glucosamine for joint health, and the omegas to reduce blood pressure and for heart health.

Stress Relief– Will be loaded with B vitamins as they produce anti stress hormones and vitamin C to prevent stress related illness.

Conclusion Most multi vitamins should be taken in the morning with a meal as some of the nutrients may cause an upset stomach. Multi vitamins are fairly inexpensive unless they contain high levels of expensive nutrients such as Biotin ($4,000 per active pound!) or contain other nutrients that are condition specific such as bodybuilding. Multi vitamins are worth the price and it the single most important supplement you can take to stay healthy. Think of multi vitamins as insurance for your body. You may not feel much of a difference right away but over time, when you are healthy, you will be glad that you took them.