Revealed: The Best Investment and Personal Finance Apps Out There

With the world turning more digital with every passing day, even investment and finance sectors have not fallen back on the trend. Gone are the days when the planning and loads of investment calculation was written in a ‘special’ dairy. With the advent of hundreds of finance apps, people have the option to be assisted on the go.

The next generation of investment apps is powered by Artificial Intelligence and Machine Learning. Today’s apps help in handling the money, calculating and saving for the investments and sticking to a set budget.

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But, not every solution out there is the best one. Here we have reviewed some of the best apps and this must help you pick the right one:

  • Mint App

This application available for both Android and IOS platforms is an all – in – one financial tracking solution that helps in making budget and tracking everyday expenditures relative to the budget. The app enables connection to bank accounts and thus, all financial information and tracking is done in one place.

  • The You Need A Budget App

This is the vital eye you need on your budget. It just does not allow you to make budgets that are outside the scale of your finances. Although the app is paid on a monthly basis, the immense control it brings to your budget helps you to stop living for just paying off the debts.

  • The Wally App

What makes Wally stand out from the rest is that one can store the expenditures on it by just capturing a photo of the receipt. It provides lot more smart insights about the movement of money and if you are looking for great and clean organization, Wally must be the app.

  • The Yodlee App

Yodlee is a comprehensive financial assistant out there available for both web and mobile platforms. It notes down your expenditure, keep tracks of the direction of the budget and also helps you to tune the current direction to move closer to your financial goals.

  • The Spendee App

This application is highly visual, and focuses on clean – seamless design to track expenses, show charts of expenditures, and overview the overall financial history of the user. The app can be acquired both on Android and IOS.

Indeed, regular usage of these applications can do a great work in keeping the cash flow in control. It is a much smarter and cleaner way, enabling one to remember and give value to each dollar spent.

Medicare Supplement Plans, arrive at a proper decision

This means, people who do not take medications or take very few medications can consider the Medicare prescription drug plan to enjoy low cost or consider taking Medicare Advantage Plan that has the prescription coverage as inclusive. Such people may check the medication coverage and arrive at a decision:

Get a quote for a 2019 medicare advantage plan at https://www.medicareadvantageplans2019.org

  • If they get enrolled in Medicare supplement plans that features low monthly premium, they can prevent the premium penalty in the future that may be charged as late enrolment, for not getting enrolled at eligibility period. OR
  • If they should pay more for Part D Medicare plan per month featuring a $0 as initial deductible or/and a drug list or/and a familiar name of insurance company, in case their health changes during that year. OR
  • They will not get enrolled this year in any of the plans, thus save premiums and pay penalty as late enrolment on choosing in the future Part D Medicare/ Medicare Advantage plan. The down side is the monthly premiums are high and may increase annually with time.

medicare advantage plans 2019

There are benefits in having Medicare supplement plans. However, though it is available through private insurance companies, all the Medicare policies provide the same coverage and these are referred to as standard plans. In fact, people with fewer health complaints also prefer taking Medicare Select policy as the premium is much lesser than the Original Medicare Supplement policy.

 

The Medicare Select Policy, but for emergency care, will deny paying less or payment if you go beyond the network to avail services. However, Medicare pays it share even in such situation for the approved charges.

 

Free look period

 

Medicare supplement plans must be enrolled during the eligibility period that is before and after the month of your 65th birthday. However, a free look period of 30 days is also given on all the plans and policies of Medicare supplement so that it benefits the insurers. In this period you can return a policy taken to the company and also receive a full refund of the premiums you have paid.

 

The free look period initiates from the policy day it is delivered and on returning the policy to the insurance company means it should be confirmed by them of receiving the policy back. Only then your premiums paid refund process will be initiated. Likewise, the provision of free-look is not applicable to Medicare Advantage Plans.

 

Medicare Advantage Plan G and Plan N, Get details

In most places or states, you can find people are relaxed and do not rush to buy Plan N of Medicare Advantage plans as they rush for Plan G. Medicare Advantage Plans N may be a great option.

 

Medicare Advantage Plan G is for people seeking peace-of-mind. On having Plan G Medicare advantage, you need not worry about the excess charges or co-pays or for that matter anything. You may see any doctors of your choice, despite the fact that they charge excess or not.  Yes, you may be paying a little as extra, but you are assured of peace-of-mind as your healthcare is rightly taken care of.

 

Medicare Advantage Plans N cost lesser by around 25 to 30% and this is found only by people who put a little extra effort. You must look for new doctors beforehand so that you prevent people who do not accept the assigned rates of Medicare Advantage Plans. This is because the doctors accepting the assigned rates of Medicare cannot charge Part B charge as excess. All it needs is a little extra effort to look up on your doctor prior to visiting them for the first time.

Get a quote at https://www.medicareadvantageplans2019.org/aarp-medicare-advantage-plans-for-2019/

With Plan N, your effort offers the benefit such that you enjoy a lower premium for the coverage of Medicare offered.

 

This perspective assists in making a wise decision suitable to your budget and needs.  People going with Plan N in Medicare advantage plans usually face a cost that is much lesser to Plan G. Medicare advantage plans N cost much less to Plan G of Medicare Advantage. However, the coverage offered by Plan N is also less and you must be aware of. In Plan N, same as Plan G, you must pay Part B Medicare deductible out of pocket. It indicates you pay co-pay a $20 on visiting a doctor and for an emergency visit it is $50.

 

You can notice the Medicare advantage plans Part B extra charges has no coverage. The Plan N of Medicare Advantage Plans anticipates you to pay Part B Medicare excess charges from your pocket. The excess charges of Part B Medicare can be prevented. However to enjoy any insurance cover, you must pay premiums on time and to see Plan N Medicare Advantage to be of good value, there is a little effort required to exert so that you can avoid paying more than required.

 

An overview on the Medicare Supplement Plan G and its benefits

People turning 65 years, will find the Plan G Medicare Supplement plans of best value. However, it includes changes between Plan G Medicare Supplement to Plan F Medicare Supplement and Plan N Medicare Supplement plans. Thus, there is a need for you to be aware of it so that you make a proper decision. Knowing it helps you in discussing the changes and to have an impact on your decision.

The Medicare Supplement plans G and N are both popular choices and there are differences in these plans. So, there is a need to know about the differences before you arrive at a decision considering the plan to be right for you.

Differences you must know-Get more information at https://www.medisupps.com/medicare-supplement-plans-2019/

Medicare Supplement Plans and a Medigap plan, what is the difference? The answer is plainly nothing. This is because Medicare supplement are also referred to as Medigap. These are two terms that are used interchangeably. They refer to Medicare supplement plans Part A and Part B by covering the gabs, the co-pays and deductibles that may have caused a dent to your wallet as it becomes your obligation to bear, in case you do have a Medicare supplement plan.

It is very important to know that Medicare supplement plans are renewable or no? Having a Medicare Supplement plan means regardless of your health status, your plan does not get cancelled nor does the rate change as per your health status. This plan is in force unless or until you cancel it.

Plan G Medicare supplement is becoming popular and this is because of main two reasons:

  • Medicare supplement plans C and F are phased out in 2020 January.
  • Medicare Plan G is of better value with a lower premium

 

Medicare Supplement Benefits

Medicare supplement plans F display that it offers coverage to 100% all the way down in each category. It means that 100% coverage is for all the deductibles and copays that can be normally paid with Part A Medicare and as outpatient coverage with Part B Medicare insurance. This is a great plan and also is an easy decision to choose, but the only issue is that it will be phased out in 2020 January. In fact, Medicare Supplement plan G provides equal benefits for people with less money.

 

Plan G Medicare supplement offers the same benefits except the Part B deductible.  It resets every year on January 01.    In 2017 it was $183 and is anticipated to reach $250 in the coming five to seven years.

Medicare Supplement Plan and 65 years, what is the importance?

There is a time period that a company may sell Medicare Supplement plans to you. This is a period for six-month referred to as ‘Open Enrollment’. This initiates right from the day you are 65 or even older and can enroll in Part B Medicare.

 

The best part during the open Enrollment is that:

  • An insurance company cannot deny selling you a Medicare supplement policy, despite the status of your health.
  • Cannot ask in the application any health related questions.
  • Cannot charge a higher premium even if your health history is bad.

 

In case you are older than 65 years or just 65 years:

  • As you turn 65 years, and enroll in Part B Medicare, your open enrolment Medigap starts from the day the Part B Medicare becomes effective.
  • In case you are working after the age of 65 and for some unknown reason get delaying in Medicare Part B enrolling, you may trigger open-enrolment period by enrolling in Part B Medicare. This starts from the day you start Part B Medicare and is considered effective.
  • In case you are below 65 years and due to disability acquire Medicare, there is no period until they attain 65 years as Open Enrolment for disabled Medicare beneficiaries. fortunately, there are laws proposed to provide disabled beneficiaries of Medicare during the open enrolment period

 

There are other options for under 65 people and for disabled:  Find them at https://www.bestmedicaresupplementplans2019.com/

  • Medicare Advantage Plans has nothing to turn you down or deny you if you are disabled and are on Medicare.
  • Some companies agree to the applications seeking Medicare Supplement policy from people under 65 and disabled. Yet, there is no assurance that they will surely sell a policy.
  • If you are within 65 years and receive Medicare owing to a disability, you may trigger an Open Enrollment period on turning 65. As you attain the age 65, your Medicare becomes due and is no more due to disability. A company is expected to sell you plan than it offers.

 

 Under 65 and disabled

As such there is no Medicare supplement plan to sell for less than 65 years people and there exists no ‘Open enrollment’ period. However, new laws are proposed to give Medicare beneficiaries an open enrolment period only for the disabled.

 

Thus, there is a need to take the Open Enrollment period seriously as you are attaining your 65 years.

 

Medicare Advantage Plans, its core benefits and its deductibles

Medicare advantage plans are sold in 12 standard plans. However, bear in mind that there is no drug coverage with insurance plans H, I and J.

 

There are certain things to be noted such that the Plan A is the basic plan and every company must sell it as it is the plan with ‘core benefit’.  The plans are standardized and labeled from A to L and this offers the advantage and liberty of buying from any of the company. However, remember to get a quote so that you get to choose the Medicare Advantage plans offering lowest premiums and also the finest customer service.

 

Core Benefits:

  • Part A Hospital copayment is paid for 61-90 days at $322 per day and for 91-150 days at $658 per day.
  • Pays hospitalization charges for surplus 365 days after the end of Medicare benefits.
  • Pays Part B copayment that is normally Medicare approved amount to 20%.

 

You may pay for some covered services as cost-sharing until the out-of-pocket annual meet is met. Plan K or Plan L as in 2018 has a limit out-of-pocket as $5240 and $2620. On meeting the plans annual limit, the plan pays 100% Medicare coinsurance, copayments, and deductibles for the entire calendar year. Also bear in mind these amounts that are out-of-pocket limits, change each year.

 

Deductible Part A

The Medicare initial amount is not paid for any stay as inpatient hospital during the benefit period ($1,316 in 2018).

 

Part B Deductible and Premium

The Medicare initial amount does not include paying for other outpatient services or physical services in each calendar year accounting to ($183 in 2018). Generally, people will pay each month around $134.00 (2018) as the premium of Part B.

 

Emergency Foreign Travel

Medicare is not responsible to pay for foreign country care received. This benefit covers a deductible per year after $250 that is emergency care health expenses for 80% received in the initial 60 days of a foreign country, accounting to maximum lifetime of $50,000.

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At Home Recovery

Medicare pays for nursing home health care and it covers home health visits offered as assistance to handle daily living activities, when Medicare home health coverage is received currently or within eight weeks up to $1600 each year from the last home health visit of Medicare.

 

Part B Excess

Medicare pays only the approved amount charges, and covers difference of Medicare approved and limiting charge that is within 15% about the amount Medicare approved. Thus, the benefits pay 80 to 100% Part B extra charges.

 

Medicare Supplement Plans, how do they work?

Traditional Medicare includes Parts A and B, thereby pays for heath care and supplies, but not for everything. This call for a reason that you need to buy Medicare Supplement plans also known as Medigap.  Medicare supplement plans are issued by private insurance companies and they bear some medical and hospital costs that the Traditional Medicare runs short of paying such as coinsurance, copayments and deductibles.

 

Some Medicare Supplement plans also help paying for emergency overseas travel that the Traditional Medicare does not pay or even bears excess charges of the Part B.  However, out of ten Medigap plans, two at least have a limit on the amount spent on pocket and this means the Original Medicare fails to pay these costs. Thus, Medicare supplement plans help in filling the Traditional Medicare coverage gaps.

 

How do Medicare Supplement plans work?

Medigap plans accompany the Traditional Medicare benefits; this is the reason that these policies are known as Medicare Supplement plans. Thus, there is a need to have the enrolment in Traditional Medicare to get Medigap coverage and there is a necessity to stay enrolled in Traditional Medicare so that the medical and hospital coverage is available. The Medicare supplement plans offer stand-alone benefits.

 

The coverage of Medicare supplement plans for under 65 varies as per the state you are living in and people under 65 get enrolled for the reason being disability that is crucial such as ESRD or amyotrophic lateral sclerosis. The state is not expected to give you coverage under 65. However, if you are Traditional Medicare enrolled and are under 65, you may check with the insurance of your state and find out if you qualify for a Medicare supplement plan enrolment.

 

Bear in mind, Medigap plans do not cover Part D, Prescription drug coverage. It means if you require assistance with medication costs, get enrolled with Medicare Prescription plan as stand-alone.  Apart from that, you also cannot make use of the Medicare supplement plans to bear the charges that is with Medicare Advantage plan. Note that the Medigap insurance covers only the costs of Traditional Medicare that it leaves uncovered.

 

In case, you have Aetna Medicare supplement Plan G and Traditional Medicare, the first payment will be done by Original Medicare and only the cost gaps are paid by Medigap policy. 

 

As a beneficiary of Medicare, you may be enrolled in different coverage types through the Medicare program or an employer. Thus, as you sign up first for Traditional Medicare, you may include all the coverage types you own and Medicare will decide who will pay first.

 

Medicare Advantage Plans rules and qualifying plans

Medicare Advantage plans are referred to as MA Plans or Part C. They are given by Medicare approved private companies. If you enrol for Medicare Advantage plans, you have Medicare and will receive Part A and B Medicare covering hospital and medical insurance relating to the Medicare Advantage plans and not from the Traditional Medicare.

 

Medicare Advantage Plans Covered services

Medicare Advantage Plans cover complete Medicare services. In fact, majority of the Medicare Advantage Plans provide extra coverage such as hearing, vision and dental coverage.

 

Medicare Advantage Plans Rules

Medicare pays for the care a fixed amount to the companies providing Medicare Advantage Plans. Thus it is expected of such companies to adhere to Medicare set rules.

Each plan of Medicare Advantage can charge as out of pocket costs and this can include different rules for the services, such as:

 

  • Whether you require to see some specialist only with a referral
  • If you visit facilities, doctors or suppliers for non-urgent or non-emergency urgent care

Keep checking the rules as they change each year.

 

Medicare Advantage Plans cost

The amount you pay in a Medicare Advantage Plan is based on several factors.

 

Drug coverage

Majority Medicare Advantage Plans fortunately include Part D Prescription drug coverage.  However, if required you may take a separate plan type that:

  • Does not offer coverage for drug such as MSA plans
  • They chooses not offering coverage for drugs such as PFFS plans

 

In case you are in HMO or PPO of the Medicare Advantage plans and enrol for a separate Prescription Medicare drug plan, you will be returning to Traditional Medicare by getting disenrolled from Medicare Advantage Plans.

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Tips to qualify for Medicare Advantage plans

Generally, being eligible for Medicare Advantage plans is effective on meeting certain conditions:

  • You have coverage for Parts A and B Medicare.
  • You live and enroll in the types of Medicare Advantage plans that is available as service in your area.
  • You do not have crucial diseases namely, the renal disease of the end-stage or dialysis of kidney failure permanently or transplantation of kidney. Of course there are exceptions and availing Medicare advantage plans with ESRD means clarify the plan you wish to buy so that it supports with coverage.

 

The Medicare Advantage plans costs are not fixed and it may vary with each plan and also is location based. So check if the plan is deductible annually, do they charge monthly premium apart from Part B Medicare premium, are there network restrictions, etc.

How Medicare Advantage Plus Affects Your Medicare Supplement Plans

First of all, it is important to know that there are no Medicare Supplement Plans that work with the Medicare Advantage Plus. If you have Medicare Advantage Plus, commonly known as Medicare Part C, then the benefits that you pay for cannot be utilized under your current plan. This means that even if you have an active Mutual of Omaha Medicare Supplement, you cannot take advantage of any of the services that come along with it as your advantage plan overwrites them. The best course of action to take once you switch from a Medicare Original Plan, Medicare Part A, and Part B, is to drop your Medicare Supplement Plan as you only end up incurring extra costs whose returns you cannot utilize.

It is thus a rather tricky business swathing from your original Medicare plan to the advantage plus plan. This is because if there ever comes a time when you need to switch back, then there no assurance that you will get back the same exact supplement plan that went along with it. This risk taken is even greater for patients with pre-existing conditions whose “guaranteed-issue rights” period is over.

However, there is a silver lining to this cloud that comes in the form of “Trial Rights”. These are rights that allow you a one-year trial period. In this period, you can join a Medicare Advantage Plus on trial basis if it is your first time. As a first-timer, you are allowed something of a test-drive for the plan for a period of 12 months. If by any chance you are not pleased with the plan, then you have the option to switch back to your Original Medicare Plan. You will also have the alternative to apply for the Medicare Supplement Plan that you had before switching to the Medicare Advantage Plus Plan. The success of this application is however hinged to whether or not your insurance company still offers the same supplement plan.

In some instances, your previous Medicare Supplement Plan may not be available anymore, in such a situation, the trial rights accord you the ability to apply for other plans. Plan A, B, C, F, K, and L are all available for selection at your discretion depending on which state you are in. You may be intending to drop your policy, but at the same time are looking to avoid a break in coverage. Your Medigap policy can kick in immediately the other ends if you apply for it 60 days prior to the end date of your Medicare Advantage Plus policy. You should also ensure that you apply for a Medigap policy no later than 63 days after your Medicare Advantage Policy has ended. This allows you to take advantage of your trial rights and avoid being denied your original policy.

If your Medicare Advantage Plus leaves Medicare, or your insurance company goes bankrupt, or the Medicare Advantage Plus plan terminates the rendering of services in your area, then you can buy a Medicare Supplement Plan A, B, C, D, F, K or L depending on which ones are offered in your state. Always remember that the only way you can get a Medigap plan is by first switching back to your Original Medicare Policy.

What are the Things to Consider before Buying a Dental Insurance Plan?

Medical emergencies related to dental problems can make people very uncomfortable, and even debilitate them enough to render them unable for even daily operations. Dental insurance is regarded as an effective instrument that can provide financial coverage to patients in case of such emergencies. Find out about some of the top things to consider before buying a dental insurance plan.

 

Check the dental network

 

It would be in your best interests to look for a policy that gives you access to a very wide dental network, comprising of many dentists and dental professionals. An extensive network of dentists can make the best treatment possible for you. Even if you have a very complex or rare dental issue, it can be treated easily.

 

Look for Preferred Dentist Program

 

The best dental insurance plan should be one that takes care of your interests, and it will always be in your best interests to opt for a policy that lets you choose the dentist that you want. A policy that comes with Preferred Dentist Program allows you the freedom to opt for treatment from any dentist you want – even the ones who are not in the network.

 

Types of things covered

 

You have to check the amount of coverage, and which of the things are covered by the plan. To elaborate on this, dental treatment does not include only visits to doctor’s clinics but X-rays, dental cleaning, oral examination, fillings etc as well. You have to pay from your own pockets for anything that is not covered in your insurance plan. Thus, it is important to look at the Coverage section in your plan and also get in writing all that the policy covers for you.

 

Look at the premiums

 

It would obviously be in your best interests to get a dental policy that is as affordable for you as possible. Check the premiums. Whether you go for monthly, bi-monthly, quarterly, half-yearly or yearly premiums, you have to ensure that they are cost effective.

 

Your insurance needs

 

Before purchasing a dental insurance plan, you need to consider your own requirements. Do you wish to go for a policy that covers only your own needs or that of your family members as well? If you have a small business, and would wish to get sufficient dental coverage for all the employees, you would need a plan that covers all these things exactly as you wish.

Don’t forget to look into Medicare Supplement Plans 2018 as well.