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6 things Medicare does not cover

6 things Medicare does not cover
Medicare is a federal insurance program that helps those aged 65 and above meet their healthcare expenses. Divided into two parts, Part A and Part B, it covers inpatient care in hospitals, skilled nursing facility care, preventive services, medical equipment, and several other costs. However, the plan is not all-encompassing, so individuals are usually advised to purchase supplemental insurance to be on the safer side. Here are six things Medicare does not cover. Routine dental care Both Medicare Part A and Part B do not pay for routine dental care, including the costs for dental checkups, routine cleaning, or other dental maintenance services. The program also does not cover X-rays, fillings, root canals, and dentures. However, in some instances, Medicare may include dental surgery or X-rays. This is especially true during accidents, dental exams needed before kidney or heart surgery, or treatment for mouth cancer. Several Medicare Advantage plans (also known as Part C) may provide routine dental coverage as an extra benefit over Part A and Part B. However, people must purchase these plans from a Medicare-approved private company and pay an additional monthly premium. Routine vision care Medicare does not cover routine vision care. So, despite enrolling in the program, members must pay for eye exams (performed to determine if new prescription eyewear is needed) out of their pocket.

7 disadvantages of applying for disability benefits

7 disadvantages of applying for disability benefits
Disability benefits provided under Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI) can serve as a lifeline for people with physical or cognitive impairment. Such benefit systems basically dispense monthly income to people with disabilities and those who contribute the same through taxes. Moreover, they may also receive Medicare benefits. However, such programs come with certain limitations, which may or may not address all the diverse needs and challenges of people with disabilities. Strict definition of disability Social Security only benefits people with a severe impairment that renders them unable to work and support themselves or their families. Disability benefits are only for those who can’t do any substantial, profitable work. Such strict definitions may often ignore other aspects of disability, like partial or short-term disability. There are two main criteria for qualifying for SSDI. First, one should have worked long enough and paid significant Social Security taxes to qualify for SSDI benefits. Second, one should prove an inability to work at a gainful employment for at least 12 months due to any physical or mental disability. So, one can only get the benefits if one can’t do the current job at all. Apart from this, there are also other non-medical requirements.

Smartphone Buying Mistakes and Usage Habits to Avoid

Smartphone Buying Mistakes and Usage Habits to Avoid
Are you in the market searching for a new smartphone? You’re not alone. However, before you make the purchase, you must be aware of the common mistakes people make when buying a new phone. In this article, we’ll discuss the top five mistakes to avoid when buying a new smartphone and the habits you should break to ensure that you get the best phone for your needs. Let’s dive in. How do smartphones make our lives easier? Smartphones have revolutionized the way we live and stay connected. With the help of our phones, it’s easier than ever to stay connected with loved ones, check in on work projects, and access the world’s information at our fingertips. We can make calls, send texts, and use various apps to help us get things done. We can even sign up for US cellphone wireless unlimited phone plans that allow us to talk, text, and use data without worrying about overage fees or expensive bills. Benefits of having a smartphone Increased convenience With a smartphone, you can access the internet, apps, emails, texts, and more with a click of a button. This means you can be connected to your contacts anytime and anywhere. Accessibility to entertainment A smartphone provides quick and easy access to music, movies, TV shows, books, and more.

8 mistakes that can ruin one’s jewelry

8 mistakes that can ruin one’s jewelry
Jewelry is an excellent way to add interest and flair to any outfit. Jewelry, be it made of metal or gems, tends to be expensive and requires quite a bit of care. However, people make common mistakes while storing or cleaning their jewelry, which can ruin it. Read on to learn about a few such mistakes and how to avoid them to keep one’s jewelry looking as good as new. 1. Forgetting about regular cleaning and maintenance Experts say one of the most common mistakes people make when it comes to jewelry is not cleaning it enough. This includes both professional and at-home cleaning. Professional cleaning helps restore the shine of the stone or metal and fix any damage. It is generally a good idea to have jewelry cleaned professionally once every six months to a year to repair any wear and tear. But that may not be enough. Supplement this annual cleaning with daily at-home maintenance to avoid dirt or debris buildup. Invest in a quality jewelry cleaner, or use a mild dish detergent and some warm water with a microfiber cloth. 2. Using abrasive cleaners at home While it may seem like a stronger cleaner might give jewelry a more thorough clean, that is not the case.

Pros and cons of online therapy to consider

Pros and cons of online therapy to consider
Technological advancements have more than a handful of benefits to offer, including the possibility of teletherapy, also known as online therapy. It uses web-based applications to provide patients with the therapy and counseling they require. One can address their mental health issues and seek guidance without having to spend time commuting. Several types of therapies are available online, but before choosing, one must consider the pros and cons of the service. Advantages of online therapy sessions Efficiency There have been studies that suggest online therapy sessions may be just as effective as in-person sessions. Different types of mental health conditions were researched, and it was found that there was minimal difference in positive patient outcomes. Consequently, online therapy sessions are a preferable option to having no sessions at all. Furthermore, patients do not have to worry about any social stigma while seeking the care they need. Accessibility Online therapy sessions are more accessible than in-person sessions. People who are home-bound due to various reasons can easily schedule a session and get access to the treatment they need. Moreover, it can be more convenient to receive therapy sessions from a distant professional who would otherwise be unavailable. Convenience In most cases, online therapy sessions are more affordable and convenient for patients.

12 mistakes to avoid while on a cruise

12 mistakes to avoid while on a cruise
Spending a holiday on a cruise ship is a novel experience that every traveler should try at least once. A cozy room, delicious buffets for each cuisine, and hype nightlife can be enjoyed while sailing across beautiful ocean waters. Apart from the perks offered by a liner, not indulging in certain things when you are on board is imperative. If you’re embarking on such a vacation for the first time, avoid these mistakes: Entering restricted zones Several quarters on a cruise vessel are marked as dangerous or off-limits. These areas might house equipment and other elements that ensure the ship’s safety. Without appropriate approval from the staff, entering such restricted sections will land you in quite a bit of trouble. Sleeping in all day The parties on a cruise can be a lot of fun, but the activities conducted during the day are equally good. As comfortable as your room may be, spend some time exploring the rest of the ship while the sun shines. Take a dip in the pool, get a tan, and make the most of the time spent on the vessel. Not using sunscreen If you sunbathe by the pool or on the beach at a docking port, don’t forget to apply sunscreen.

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5 early Cyber Monday deals to expect in 2022

We are slowly heading toward Cyber Monday, the most exciting time of the year when you get the deepest discounts on almost all brands. It is a mega shopping event that follows Black Friday. But, with so many sales being advertised, how do you choose the right deals? Here is a quick review of the top offers we saw last year; expect to see similar or better ones at the start of the 2022 sale! Tech and electronics deals We all wait for the Cyber Monday sale to purchase that expensive gadget we have eyed all through the year. Apple is known to issue gift cards on select items during the shopping season when you buy products like MacBooks, AirPods, and Apple TVs. You can use these cards for future purchases and save money. Last year, Soul Electronics offered up to 30% off on select audio gear, with sales running till December. PhoneSoap offered up to 50% off sitewide on select products. Besides massive discounts on gadgets and accessories, these retailers throw in tons of warranties, free services, and other offers, making it the best time to visit for a tech upgrade. Home appliances deals Whether you want to redesign your home or buy a gift for someone special, Cyber Monday is the perfect time to pick up home appliances. You get the best deals on products of all kinds, including refrigerators, toasters, air conditioners, dishwashers, and more. Last year, AJ Madison offered up to 50% off on almost all appliances, and you could also have them delivered to your doorstep without an extra charge. You could also enjoy a flat discount of 20% or more on most appliances at Great Jones without the need for a code. KitchenAid is another brand that offered huge discounts, including 35% on select blenders, 25% on countertop appliances, and 30% on select food processors.

6 toxic plants to keep away from dogs

It has become the norm to keep ornamental at home, especially since they beautify the space tremendously. But, if you are a pet parent, you must exercise caution in picking the potted plants you want. While some plants can cause vomiting or dysentery, a few can cause respiratory, digestive, neurological, or cardiac problems, leading to death. If you have become a pet parent recently, here are six plants toxic to dogs to note: 6 plants that dog parents must take note of Sago palm Sago palm is a very popular ornamental plant for indoor and outdoor spaces. It is known by many names like coontie palms or cardboard palms and is part of the Cycads group of plants. It contains multiple toxins, including cycasin and BMAA. Every part of the sago palm is toxic for your dogs, and the seeds can be the most dangerous. If a dog ingests even a small amount of any part of a sago palm plant, it can affect its nervous system, liver, or gastrointestinal system. You may see symptoms within 15 minutes or many hours. The most common reaction is gastrointestinal irritation, with initial symptoms like drooling, vomiting, and diarrhea. It can also lead to serious complications like neurological problems, resulting in weakness, seizures, and tremors. If your dog has accidentally ingested any part of this plant, it is imperative to visit the vet immediately and begin an aggressive treatment and decontamination process. Castor bean plant The castor bean plant is a pretty-looking wild plant; the oil from its seeds is used as a remedy for constipation. Some also use it as an outdoor decor plant. However, if you are a dog parent, you should avoid having it in your home, as the castor bean is quite toxic to dogs. Dogs tend to get attracted to the pods and relish the bean, which contains ricin, a lethal toxin.

Top 7 beauty and fashion trends

Fashion trends are dynamic and go through constant change and innovation. While some styles have remained timeless for decades, some trends fail to impress and disappear without making an impact. The approach to beauty today focuses on sustainability, minimalism, inclusion, and no cruelty. The trends in beauty and fashion quite naturally follow similar lines. Based on these factors, some of the top beauty and fashion trends in the coming year are as follows: Skincare The buzzword in the last couple of years has been minimalism, especially for skin care. Women prefer to use lesser products for their skincare routines. Utilizing a bevy of cosmetics for everyday skin nourishment and enhancement is time-consuming, overwhelming, and may affect the skin negatively. Skincare trends focus on improving skin health and reducing the negative impact of long-term use of skin-related products. This move hopes to reduce the overuse of skincare and control the damage caused by chemical products. Microbiome skincare is a new trend, featuring prebiotic and probiotic components that nourish the skin. Hybrid beauty Hybrid cosmetics combine multiple active ingredients that now work both as skin care products and as cosmetics. It reduces the time one spends on beauty routine and the number of products one needs to buy, saving money, effort, and time. Hybrid products not only treat and protect skin blemishes but also enhance the skin as they contain a layer of makeup. Beauty Balm and Color or Complexion correction are two of the early hybrid beauty products. New products that combine skincare and cosmetics to correct acne, pigmentation, and wrinkles are likely to be the trend in hybrid beauty. Wellness products With the rising awareness of the overlapping impact of wellness and beauty on each other, there is a demand for new products and services that care for how one looks and feels.

4 timeless jewelry pieces every woman must own

Every woman, irrespective of age, uniquely expresses her fashion style. And accessories play an important role in the manner of expression. If you think that classic metal or gemstone jewelry is expensive or unsuitable for everyday use, it’s time to change your opinion. Some must-own timeless jewelry pieces can never go out of style. They instantly amp up your look no matter the outfit and garner eyeballs wherever you go. Make these exquisite jewelry options yours now. Stud earrings Stud earrings are dainty yet elegant pieces of jewelry. They fit quite well on the top of your ear, emitting the right amount of sheen. It has a singular point with a post that passes through the pierced ear, connected through a backing or a clutch behind the ear. The stud, the main part of the earning, can be made of bare metal like gold, silver, or platinum and/or hold a gemstone like a diamond, ruby, sapphire, emerald, coral, or pearl. The size of the stud and the type of stone could determine the price of the pair of earrings. While stud earrings made with precious stones can be expensive, you can opt for those affordable options with semiprecious stones like turquoise, rose quartz, or garnets. These exquisite and versatile baubles must be a part of your jewelry collection. Whether you pair them with chunkier pieces of necklaces for festive occasions or dainty bracelets for casual outings, you are sure to turn heads. Pendant necklaces A pendant necklace is a versatile piece of jewelry that can tone down or highlight your fashion style. You can choose an everyday necklace made of bare metal like tungsten, gold, sterling silver, white gold, titanium, or platinum. While some necklaces come with fixed pendants, some can be customized with your choice of charms or pendants.

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6 Safest SUVs to Consider Buying in 2023

6 Safest SUVs to Consider Buying in 2023

Are you looking for a safe, reliable SUV for your family? Look no further. Some of the best SUVs for 2023 come with advanced technology, superior driver assistance features, and safety equipment. They can protect the driver and occupants in a collision and lower the impact of the crash. From luxury to budget-friendly options, there is something for everyone. So here are the safest SUVs you can find this year: Dodge Hornet The 2023 Dodge Hornet is a compact crossover SUV that prioritizes safety and reliability. The Hornet has advanced safety features such as forward collision warning, blind spot monitoring, rear cross-traffic alert, lane keep assist, and adaptive cruise control. The interior of the Hornet has premium materials and plenty of space for passengers and cargo. You also get an 8-inch touchscreen infotainment system compatible with Apple CarPlay and Android Auto. The Hornet is powered by a turbocharged 2.0-liter 268-hp engine and a six-speed automatic transmission. The SUV strikes a balance between power and efficiency and delivers good performance. You can look up “Local Dodge dealers near me” and find dealerships that sell the Hornet. You will be able to find great deals on new and used models at a local dealership.
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Top 7 beauty and fashion trends

Top 7 beauty and fashion trends

Fashion trends are dynamic and go through constant change and innovation. While some styles have remained timeless for decades, some trends fail to impress and disappear without making an impact. The approach to beauty today focuses on sustainability, minimalism, inclusion, and no cruelty. The trends in beauty and fashion quite naturally follow similar lines. Based on these factors, some of the top beauty and fashion trends in the coming year are as follows: Skincare The buzzword in the last couple of years has been minimalism, especially for skin care. Women prefer to use lesser products for their skincare routines. Utilizing a bevy of cosmetics for everyday skin nourishment and enhancement is time-consuming, overwhelming, and may affect the skin negatively. Skincare trends focus on improving skin health and reducing the negative impact of long-term use of skin-related products. This move hopes to reduce the overuse of skincare and control the damage caused by chemical products. Microbiome skincare is a new trend, featuring prebiotic and probiotic components that nourish the skin. Hybrid beauty Hybrid cosmetics combine multiple active ingredients that now work both as skin care products and as cosmetics. It reduces the time one spends on beauty routine and the number of products one needs to buy, saving money, effort, and time.
Read More