HIGH BLOOD PRESSURE
High blood pressure is a problem. However, there are ways it can be controlled. It is important that you have coverage to help you manage costs related to blood pressure. You may want to consider Medicare Supplement plans to expand your coverage. Read on to learn more.
High blood pressure can strike at any age. Some people develop consistently high blood pressure because of a genetic predisposition to the condition, while others acquire it because of diet, lack of exercise, high stress levels, obesity, and similar lifestyle issues. Medicare Supplement plans can help avoid high costs related to your blood pressure.
Regardless of why you have high blood pressure, you know you need treatment. So which Medigap plan is best for you?
WHAT CONSTITUTES HIGH BLOOD PRESSURE?
According to the American Heart Association, there are several stages related to high blood pressure, which is also called hypertension. Your Medicare Supplement plan can cover treatments to help reduce your blood pressure and improve your overall health.
If your systolic blood pressure is between 130 and 139, you have hypertension. Similarly, if your diastolic blood pressure measures between 80 and 89, you qualify for stage one high blood pressure.
Stage two hypertension involves systolic blood pressure readings of 140 or greater and diastolic readings of 90 or greater. If your blood pressure readings are greater than 180/120, you’ve entered a hypertensive crisis and need medical attention immediately.
High blood pressure occurs for a variety of reasons. It happens when the pressure in your arteries increases because the blood flow is pressing too greatly on the artery walls. Whether you have a Medicare Supplement plan or not, make sure you get treatment.
HOW IS HIGH BLOOD PRESSURE TREATED?
When you have high blood pressure, you rely on your Medicare Supplement plan as well as your Original Medicare coverage to keep your hypertension under control. Physicians have many options for treating high blood pressure.
For instance, your Medigap plan might reduce your copayments and coinsurance when you visit your doctor. These lowered costs can motivate you to see the doctor when you experience hypertension.
Your physician will likely take your blood pressure in the office and ask you to track it at home over time. You can purchase a blood pressure cuff at any pharmacy, but keep in mind that Medigap doesn’t cover these types of devices.
Once your doctor establishes that you suffer from hypertension, he or she will recommend a treatment plan. It might include medications, altered diet, increased exercise, reduced stress, and quitting smoking.
The American Heart Association calls hypertension “the silent killer.” That’s because it often doesn’t come with symptoms until you reach a hypertensive crisis. When you have a Medicare Supplement plan, you might not resist visiting the doctor because of out-of-pocket expenses. Consequently, your general practitioner can catch the condition quickly.
Additionally, Medigap can help cover hospital costs related to high blood pressure if you need more proactive care.
WHAT ARE THE COSTS RELATED TO HIGH BLOOD PRESSURE?
In most cases, high blood pressure doesn’t come with extremely high healthcare costs. The out-of-pocket expenses are generally tied to visits to your physician, whether you see a general practitioner or a cardiologist. You might also need to fill prescriptions to help you control your hypertension.
Your Medicare Supplement plan may reduce or eliminate the out-of-pocket costs related to seeing a doctor or spending time in the hospital, whether as an outpatient or an inpatient. It all depends on which Medigap plan you choose.
Allowing your condition to progress untreated will likely result in higher costs. When caught early, hypertension can be resolved through prescription medications and other interventions.
HOW CAN A MEDICARE SUPPLEMENT PLAN HELP?
A Medicare Supplement plan is designed to reduce out-of-pocket healthcare costs, such as deductibles, coinsurance, and copayments. When you visit a general practitioner or specialist in his or her office, for instance, you might have a copayment. Some Medigap plans eliminate those copays.
Use Ensurem’s Medigap Quoter to help you choose a Medicare Supplement plan that’s right for you. If you wish, you can also get quotes for Medicare Advantage plans, which are alternatives to Original Medicare rather than supplements.
WHICH MEDIGAP PLAN IS RIGHT FOR YOU?
The Medicare Supplement plan you choose will depend on your specific needs.
For instance, Medicare Supplement Plans F and G cover Medicare Part B excess charges. If your doctor charges more for healthcare supplements than Original Medicare will pay, you won’t be responsible to cover them out-of-pocket. Medicare Supplement plans F and G are also extremely comprehensive across the board, though Medigap Plan G is far less expensive, and Plan F is no longer available to new enrollees starting January 1, 2020.
HOW CAN YOU REDUCE YOUR RISK FOR HIGH BLOOD PRESSURE?
It’s always best to prevent healthcare problems in advance, regardless of whether or not you have one of the 10 Medicare Supplement plans. Preventing hypertension can reduce your chances of stroke, heart attack, kidney failure, vision loss, and more, according to the American Heart Association.
The best way to reduce your risk for hypertension is to improve your lifestyle. Eat lots of healthy foods, reduce your sodium intake, quit smoking, drink less alcohol, and get regular exercise. Improving your sleep quality and duration can also help prevent high blood pressure.
If you have lots of stress in your life, cut down on it by reducing your responsibilities, going to therapy, and scheduling time for relaxation. Medicare Supplement plans are excellent for treating medical conditions, but preventing them is far more important.
Medicare Supplement plans are designed to help offset costs related to high blood pressure and other health conditions. If you already have hypertension, make sure you visit your physician regularly for checkups and advice.
Additionally, make sure you’re well-versed in your options for Medicare Supplement plans. Some offer more coverage than others, so you’ll want to consider your budget, healthcare needs, and other concerns before you choose a Medigap policy.
Don’t forget to get quotes for different Medicare Supplement insurance plans. Each plan offers different types of coverage, but your premiums vary depending on which insurer you choose. The more you understand about the Medicare Supplement plans available to you, the more likely you are to make an educated choice.