Thursday, September 4, 2008
World Health Organization
Health care
You're Covered When You Retire
Make Sure You're Covered When You Retire
If you’re looking to retire soon, it's good to look ahead and try to determine if your medical expenses will be adequately covered in retirement. Many Americans don't discover the gaps in their Medicare coverage until it's too late, and they are forced to pay out of their own pockets for medical expenses they assumed would be covered. Medicare coverage requires that you meet certain deductibles before coverage begins, and you must pay significant co-payments for many types of medical treatment. In addition, traditional Medicare does not offer a prescription drug benefit.
Because of these deficiencies in Medicare coverage, you may wish to consider purchasing a supplemental medical insurance policy called Medigap. Medigap is specifically designed to fill the gaps in your Medicare coverage. Although Medigap policies are sold through private insurance companies, they are standardized and regulated by state and federal law
With more and more insurance companies offering discounts on health and fitness club memberships, now may be a good time to join a health club, get into shape, and improve your overall health. But if your health club cuts corners when it comes to safety, sanitation, and staff training, you may actually be jeopardizing your health by working out there. Here are some signs that your club puts the health and safety of its members first.Club members are instructed on the proper use of equipment and facilities
When you join a health club, a member of the club's staff should ask you to fill out a health history questionnaire. If you have a serious health problem (e.g. a heart condition or a bad back), the club should require that you obtain medical clearance before beginning an exercise program. Then, you should be invited to a new member orientation session (usually a one-on-one session) in which you learn club rules and find out how to properly use the exercise equipment. Staff members should work with you to design an exercise program that meets your needs, taking into consideration any health problems or physical limitations you might have.
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