Baby boomers’ important characteristics

Baby boomers are the largest learning generations today. These are people born between the end of World War II and the late 1960s.Today, new retirees leave the workforce and look to take up skills and online studies. Here are some of the characteristics of baby boomers:

Strong work ethic

Baby boomers are considered as people who love work and they are never afraid of to put in a hard day of work. Many of this generation acknowledge that success comes from dedicating a great deal of time and effort to their careers. This means that they may not have home-work balance since they may find it difficult. Their strong work ethics motivates them to do their best and learn as much as possible even if it means overloading their mental processes.

Resourceful

Baby boomers were raised in a generation where resourcefulness was very important and necessary. They are dedicated and passionate. Many parents lived through great depression since they wanted to do things on their own. You just give them necessities they need in order to solve a problem and leave them alone.

Focused

Baby boomers know how to keep their minds focused on a specific or particular subject, unlike the current generations. They remained focused on a particular subject until they accomplish whatever they wanted. This enabled them to stay on track when learning new things, therefore, having amazing attention spans.

Team oriented

Baby boomers are known to be team oriented because they had a strong sense of community. They thrive in team environments and thus giving them a chance to solve problems with others and therefore benefiting from each other. They have a strong belief in team spirit and do their activities as a team. Unlike the recent generation where people do things on their own without collaborating with other people.

Disciplined

Baby boomers are known to have a high discipline. This is because people of this generation grew up in households that are highly structured and disciplined which shaped them into who they are today. They were taught how to respect others and treat them equally.

Goal-centric

They work hard to achieve their career goals. This generation is known for setting goals and achieving them. They even enjoyed being assigned goals to reach and they created goals for themselves. They are determined to achieve a specific goal and they, therefore, work hard in order to accomplish it.

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4 Simple Steps to Protect the Health of Your Brain

Much has been said about the importance of the seniors having a healthy body.
It is well documented that consuming healthy foods, being active, and seeing the doctor on regular basis can reduce the risk of serious health problems like cancer, heart disease, diabetes, and leukemia. However, it is also important to know that the brain is also something that needs to stay healthy. Based on the fact that the brain is an integral part of your body, it is imperative to keep it healthy.

 

As the aging process is culminating, the brain abilities are starting to decline thus causing the nerve cells to weaken. In the same time, the regular blood flow to the brain is also slowed down.  These anomalies can implicate negative impact on the memory and the cognitive abilities.  Moreover, it can cause an early form of dementia as a consequence.  That is why we need to consider taking some protective measures that will protect the health of the brain.

1. Stay Active
.It is well documented that the concept of regular exercise can result with fitter brains. Also, many out-of-shape seniors who begin exercise program have significantly improved their overall brain health. Through the various exercises, elderly people increase the blood supply to the brain and solidify the development of neurons.
These neurons are the primary connecting elements of the brain that keep the cognitive abilities on a normal level.

Find more information to keep you healthy here medigapplansguide.com/faq.

2. Socialize
Regular interaction with friends and family can have a galvanizing effect on the health of the brain. Through a daily positive interaction with people, the brain can stay healthy. However, it is important to emphasize that seniors should try to reach out to their peers. This can include family visits, going to theme parks, meeting with friends, volunteering and other social aspects of life.

  1. Eliminate Stress
    The effects of stress are well documented. Some estimations state that between 75 – 90% of all physician visits are for stress-related issues. The stress is not just harmful for the brain cell. Also, the immune system is in danger, the blood pressure. It can also cause several issues such as headache, diabetes, asthma, heart disease, and arthritis. Each of these problems can have a negative influence on the health of the brain. That is why, it is imperative to prevent the stress as much as possible.
  2. Healthy Diet
    The food that we consume can have a significant impact on health of the brain.
    The first and foremost is to avoid fried meals and junk food. Combining lean meats, nuts and vegetables. Seniors can also benefit from foods that contain omega-3 fatty acids, vitamins E, D and B12.

The bottom is that the Brain is the integral part of the body.  Keeping it healthy and strong can be the best possible protection from dementia and other health issues.

 

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Top Secrets to a Healthy Living over Age 65

The most intrinsic gift of life is having a good health. With good health, you are guaranteed to do many more things you may wish. Having said that, there is no other important activity in human life than making sure your health is good both body and mind.

The secret to aging gracefully is your ability to adopt and maintain healthy behaviors early in life. World Health Organization (WHO) has come up with an awareness campaign to transform the health of senior people around the world. This campaign is done with an aim to promote healthy aging.

So, how can you avoid health problems and get the most out of your old age? Let’s find out.

Here are three top secrets to a Healthy living over age 65

Preventive measure

As you grow old, your body starts becoming weaker. The rate of absorption of nutrients in your body becomes slower. The joints start becoming stiff and weak. This is when you need to take extra care of your body. Taking preventive measure will help your body to be ready for any eventuality.

Some of the preventive measures involve your ability to avoid taking food that takes longer to be digested. To start visiting clinics and medical cares often than before to have your health checked.  Start doing exercises ideal for your age and not just any exercise. It will also involve not taking over the counter medications without prescriptions.

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Exercise

There is no doubt that exercise is important to human body. It enables your body to age gracefully. As you hit the age of 65, it is important to ask for advice on the kind of exercises ideal for your age. Exercise that involves lifting of weight may be good but not at that age due to the fact that your bones are becoming weaker each day.

Exercise ensures your blood circulation is normal and avoid diseases such as heart attacks due to excess cholesterol in your body. Exercise also ensure that you are active and this makes your bones flexible and stronger to avoid bone fractures.

Nutrition

You are what you eat. Yes, this is very true. Healthy eating involves eating a balanced diet. Your body needs carbohydrates for energy, protein to building worn out tissues and vitamins to maintain your health. Make sure you take enough potions and not an excess of any. Taking a lot of water and fresh fruits can make your body healthy too.

Conclusion

Taking care of your body will definitely see you live healthily and avoid diseases. You will remain active even as you age. Apart from the big three secrets above, the bottom line remains your living standards. Understanding your health conditions and striving to manage it through right medications and treatments can see you live healthy for a long time.

 

 

 

 

 

 

 

 

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What Medicare Advantage Plans Are Good For You

If you know anyone who has stayed at the medical center for an extended period of time, you must inquire them what their expense was. They may perhaps tell you several unbelievable numbers that their insurance agency settled and that could have been their duty had the insurance carrier failed to settle. Well, at the age of 65, your first insurance carrier will be the government. If you feel that Medicare alone will pick up the tab on anything, then you are totally mistaken and you have to start to look at Medicare Advantage Plans as early as you can.

This is a plan that is kind of like a soup-up Medicare plan which you supplement by spending a little bit on the side. Instead of a Medicare supplemental plan, which is pretty much a totally different insurance plan, Medicare Advantage Plans are proper Medicare programs that you may have simply chosen to make better. As an example, should you be inside the clinic for weeks, your bill might top up t0 $50,000 and if you just had Medicare, you can still be left with a bill at the end of the week. Should you have Medicare Advantage Plans, then your tab will usually be covered since you decided to pay additional for your insurance plan.

Once you enroll in Medicare, you may be given 3 options. You could select to get Medicare only that is the inexpensive selection. You can also opt into one of the numerous Medicare Advantage Plans, which might cost you more and grant you more extra benefits, or you could apply for a Medicare then later purchase your Medicare supplemental insurance on the side which is the most costly option, but normally provides you with the most coverage. One advantage of signing up for Medicare Advantage Plans is that they often add vision, dental care, and prescription plans in the primary program, which will save you money down the road. This means you won’t be applying for a Medicare Plan D (prescription plan).

Lots of people consider this option over a supplemental insurance plan because it’s a whole lot more inexpensive and also simply because the paperwork is a lot less than if you have been dealing with two different insurance carriers. There is much less room for mistakes to be created and as far as premium proceeds; you have one very simple premium in a month which is certainly much more affordable than the usual supplemental insurance payment.

When you are ready to shop for Medicare Supplement Plans 2018, you need to start with the Medicare website or speak to your community insurance broker. It is also a smart idea to search on the internet where you could examine companies. You might find that there are several firms that cater to your location that are very reasonable. Most people make the mistake of believing that Medicare covers you for the rest of your lifetime, but even Medicare has its limitations.

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5 Health Challenges that Seniors are Facing Today

The ultimate dream of every senior is to have an easier retirement life.

This late stage of life is often seen as the time where people can take it easy and relax. Nevertheless, there are a few challenging elements that the elderly people face into the this late part of their life. This article provides 5 major Retirement challenges that the seniors are facing on a daily basis.

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The first major problem are the ever-increasing health care costs and fees. As the aging process is culminating, the need of healthcare is constantly increasing. It is imperative to be aware about the potential health issues and get proper screening to know about specific health issues in the early stages. The prospect of rising medical costs, indeed can be very challenging for elderly people’s funds. This has direct negative effect on their financial stability.

 

The second major issue is the financial security and independence. In today complex economy,  the living costs are constantly increasing. Moreover, many seniors have limited fixed income with several financial restrictions. Many elderly people have big medical care expenses which can drain the funds that they have. Another potential issues that many seniors are unable to generate funds from working due to their limited physical abilities.

The third segment is the possibility of low savings and investment. Some seniors are able to start their retirement years with a lot of investments and savings. However, some elderly people do not have that privilege. The elderly people who have little in savings and investments are especially powerless in case of unexpected costs that may emerge. With today’s increased lifetime, many retired people often outlast their funds and investments.

Another common factor is the element of Health problems. Health issues can happen at any age. Elderly people often face several diseases and health challenges. The most common problems are dementia, Alzheimer, osteoporosis, muscular degeneration, cataracts, and many others. These diseases can drain many of the financial funds of the retired people and they can also threaten their lives.

Also the problem of Loneliness should not be undermined. I old age, many seniors lose their friends and family due to death, or some health issues. Another point is the possibility that the senior is suffering from dementia. A number of people face the complex challenge of living alone which can generate sadness, anxiety and depression.  Moreover, the aging process combined with the prospect of limited physical abilities makes many seniors to lose association with their friendship networks and it is harder to engage in new friendships and relations.

That is why the retirement can be challenging. Many people see this late stage of their lives as the part where their worries and problems will be at a very low level. However, without a proper financial and retirement strategy, the process of living as a retired person can be quite complicated.

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An Introduction to Medicare Advantage Plans

Shopping for an appropriate and cost-effective insurance plan can be an overwhelming experience. There are many choices but not all options are suitable for everyone. Medicare Advantage Plans have been popularly used since the programs were first introduced in 1997. Also known as “MA Plans” or “Part C,” these programs are part of Medicare. Are you 65 years of age or above? It will be of great benefit to carefully assess whether or not this program is for you, and to contrast its benefits with other health insurance programs.

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When it comes to Medicare, you will have to choose between Original Medicare Programs or Medicare Advantage Plans. An easy method for choosing between the two types of programs is to determine if you would like to offset the costs of prescription drugs. In many cases, those who require prescription drugs opt for original Medicare since it does cover the cost of prescription drugs under Part D of the program. On the other hand, the advantage plan does not cover the cost of prescription drugs.

Keep in mind that, for an additional cost, you can add prescription drug coverage on advantage plans. However, you will not be able to add Medigap Insurance to the plan. Medigap is a type of insurance policy that covers aspects of your health insurance that are not covered under an original Medicare plan.

So, what benefits do advantage plans provide? Unlike Medigap Insurance, an advantage plan is not supplemental insurance. Instead, this type of insurance is offered through private insurance companies who work with Medicare in order to cover all cost bases. In other words, your Medicare plan will be handled by the private insurance company and you will still be enrolled in your Medicare program. The cost advantage is that you will not need to pay the extra costs of a supplemental plan. Many advantage plans are free for individuals 65 and older who are already enrolled in Medicare Part B or at least offer a more affordable way to pay for all medical costs.

Since many people cannot afford the high cost of supplemental insurance, advantage plans offer an affordable alternative. These programs require a lower monthly premium as long as the beneficiary of the plan agrees to use a set network of healthcare providers and share in some copays for services. Choosing between these different types of plans will depend on how much you can afford on a monthly basis, your personal medical needs, and an understanding of the stipulations set forth by individual insurance plans available in your location.

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The Two Health Plans

There could be chance that you have effectively agreed to accept Medicare and you trust all your restorative costs are provided food for and dealt with by them. Some might turn 65 and are seeking after the same however is this the case? I question it. Give us a chance to take a gander at this circumstance somewhat nearer.

 

Much the same as numerous different things, Medicare in its unique frame has a few holes and this has prompted the term medigap which remains for senior wellbeing plans. There are coinsurances and deductibles which are related with Medicare that you have to think about. There are two understood wellbeing plans too.

 

The Medicare Supplement Plans 2018 shows up as one of the plans. The other sort is the Medicare advantage plan and all these are sponsored by the administration and subsequently work lawfully for the more seasoned age. You will find that I have conveyed some data in this article demonstrating the Medicare supplements, medigap plans or med sups beneath.

 

In your Medicare approach, there are a few deductibles and just to make things fascinating, we can include them up. For every 60 day healing facility stay, you will understand that section an of the accommodating deductible is $1100.00 and part b has a deductible is 155.000 dollars. This is the thing that the 2011 figures appear.

 

You can have holes near 50,397 a year. You can really have a six sixty day time frames in only one year. You additionally need to meet the gifted nursing facility deductible.

 

It’s however evident that this figure can’t demonstrate the 20% coinsurance for part b that could have the specialist included. This should demonstrate to you that for a cheerful living, you require this part of wellbeing planning. With the various assortments accessible, you simply need to discover what is accessible in your area.

 

Plainly there are numerous options that an individual can consider if they are not happy with what is introduced to them. This implies you can pick what you need as long as you consider your financial plan and check whether it fit in a given plan. Simply make sure to stay inside your financial plan and have the essential things covered.

 

You now need to utilize an authorized specialist to enable you to pick the correct plan after you have acknowledged what is moderate for you. This operator will enable you to settle on the correct choice. Some of the time they can discover plans that you could never discover if it was not for their assistance.

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How to be eligible after divorce to avail Medicare supplement plans cover

People are mostly qualified for premium-free Medicare Part A coverage owing to their history of work or even with their spouse work history. Generally, the Part -A coverage that is premium-free finds one eligible, regardless of whether it is your better-half or you have paid the taxes for Medicare for a period of 10 years at least.  It should account to be payments of 40 quarters to be accounted as coverage premium-free of Part A.

 

However, if you are divorced, then the option of acquiring Medicare supplement plans depending on the benefits of your ex-spouse is possible, but it also will take into consideration your personal situation.

 

How to avail after divorce Medicare

Availing Medicare supplement plans after divorce means you must know the way of qualifying on your ex-spouse on the employment record even after your divorce. As per the administration of Social Security, you must qualify some conditions to be considered eligible:

 

  • You must be unmarried right now
  • You must have attained 62 years
  • Your marriage must have completed 10 or more years of togetherness
  • Your ex-spouse can enjoy the benefits of social security retirement or disability.

 

The benefit you receive based on your work is lesser to the benefit received on your ex-spouse work. If the conditions match, you can enjoy the premium-free coverage of Part A and B as eligible.

Get Free Quote here medisupps.com/medigap-plans/.

In case, unfortunately you fail and neither your ex-spouse fulfils the eligibility requirements of Medicare supplement plans, yet you may purchase Part A after paying the premium applicable.

 

Bear in mind, in case you fail to enroll the moment you are first eligible for Medicare supplement plans, then you have to bear Part A as higher premiums for a time or even pay for Part B until receiving the coverage.

 

After divorce, Prescription drugs are available?

 

People eligible for Part A and B, the original Medicare may get Part D enrolled for Prescription drug Medicare coverage.

 

The Medicare Supplement plans are Medicare approved, but offered by the private insurance companies. By law, the Medicare Supplement plans are anticipated to give coverage identical as the Original Medicare, but for Part A covered, hospice care.  However, the Medicare supplement plans offer extra benefits and many Medicare plans have an inclusion of Part D the prescription drugs coverage for routine dental and vision care.

 

Tip: Pay Part B Medicare premium and other monthly premiums as long as you are enrolled to enjoy the benefits.

 

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Ноw Меdісаrе Аffесts Yоur Ассеss То Неаlthсаrе

Тhе fаstеst grоwіng ехреnsе іn hеаlthсаrе іs рrеsсrірtіоn drugs. Іt hаs bееn sееn thаt mаnу sеnіоrs іn thе UЅ dо nоt hаvе Меdісаrе рrеsсrірtіоn drug соvеrаgе аnd thеу hаvе tо рау frоm thеіr росkеt tо gеt thе drugs.

Реорlе whо аrе еntіtlеd tо Меdісаrе bеlіеvе thаt quаlіtу sеrvісе bу dосtоrs іs јust mеаnt fоr раtіеnts frоm hіghеr sосіоесоnоmіс strаtа оf thе sосіеtу. Тhеsе аrе thе sаmе раtіеnts whо mіght hаvе suррlеmеntаrу соvеrаgе tо thеіr Меdісаrе. Тhе quеstіоn thаt іs bеіng аskеd іs whеthеr thе UЅ hеаlthсаrе sуstеm trеаts раtіеnts wіth Меdісаrе dіffеrеntlу соmраrеd tо thоsе whо hаvе а mоrе thоrоugh соvеrаgе.

Аs реорlе ассеss thе hеаlthсаrе sуstеm іn thе UЅ, thеу mоvе thrоugh 4 stаgеs. Рrеvеntіvе саrе іs whеrе thе sсrееnіng hарреns аnd thе раtіеnts stаrt аn оngоіng rеlаtіоnshір wіth thе dосtоr. Dіаgnоsіs stаrts thе ассеss tо а hоsріtаl аnd gеttіng аdmіttеd. Тrеаtmеnt іs whеn саrе іs рrоvіdеd sо thаt уоu оvеrсоmе уоur іllnеss. Fіnаllу thеrе іs thе fоllоw-uр whеrе уоu lіstеn tо thе dосtоr’s аdvісе аnd hаvе thе аbіlіtу tо gеt thе rеquіrеd mеdісіnеs. Меdісаrе hаs іnfluеnсе іn аll thеsе stаgеs аnd аffесts уоur ассеss tо hеаlthсаrе sеrvісеs.

Ноw Меdісаrе аffесts уоur ассеss tо hеаlthсаrе іs сlеаrlу іllustrаtеd bу thіs ехаmрlе. Іmаgіnе thаt уоur dосtоr рuts уоu оn lіріd lоwеrіng mеdісаtіоn. Ноwеvеr, Меdісаrе wіll nоt рау fоr оnе сhоlеstеrоl tеst а уеаr. Тhіs wау уоu dо nоt knоw whеthеr thе mеdісаtіоn іs hеlріng уоu оr nоt. The big question is which of the Medicare Advantage plans 2018 will you choose.

Іt іs quіtе соmmоn іn thе UЅ tо sее раtіеnts іn thеіr 70s tо tаkе uр а mеnіаl јоb tо рау fоr thеіr mеdісаtіоns. Реорlе frоm lоwеr sосіоесоnоmіс strаtа аrе strugglіng tо gеt рrеsсrірtіоn mеdісіnеs аll bесаusе оf lасk оf gоvеrnmеnt fundіng аnd thе grоwіng sіzе оf еldеrlу рорulаtіоn duе tо іmрrоvеd mеdісіnе аnd tесhnоlоgу.

Іt іs а vісіоus сусlе аnd оnе thіng іs fоr surе thаt Меdісаrе аffесts уоur ассеss tо hеаlthсаrе sеrvісеs, еsресіаllу іf уоu dо nоt hаvе suррlеmеntаrу соvеrаgе. Yоur dосtоr wіll рrеsсrіbе lіfе-ехtеndіng mеdісіnеs аnd іntеrvеntіоns, whіlе уоu wіll bе unаblе tо рау fоr thеm bесаusе уоu dо nоt hаvе Меdісаrе соvеrаgе.

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Меdісаrе Ѕuррlеmеntаl Іnsurаnсе – Оffеrіng Реасе оf Міnd

Аnуоnе lооkіng fоr реасе оf mіnd саn fіnd іt wіth Меdісаrе suррlеmеntаl іnsurаnсе. Іnfоrmаtіоn іs kіng аnd fіndіng thе rіght іnfоrmаtіоn mаkеs а bіg dіffеrеnсе іn hоw реорlе lіvе thеіr lіvеs. Еvеrуоnе knоws thаt іt іs іmроssіblе tо рut а рrісе оn gооd hеаlth. Rесеіvіng thе bеst іnsurаnсе роlісу роssіblе іs thе bеst wауs tо еnsurе thаt аll уоur nееds аrе mеt. Еvеrу іndіvіduаl hаs dіffеrеnt nееds аnd іt іs іmроrtаnt tо fіnd а роlісу thаt саn оffеr thе bеst fіt.

Fоr а lоng tіmе, реорlе hаvе hаd tо rеlу оn Меdісаrе tо соvеr thеіr ехреnsеs. Whіlе sоmе ехреnsеs аrе соvеrеd, thеrе аrе аlwауs аddіtіоnаl соsts. Тhеsе аddіtіоnаl соsts саn lеаvе аnуоnе іn fіnаnсіаl dіffісultу. Тhе Меdісаrе Ѕuррlеmеnt Іnsurаnсе hаs соmе іn tо brіdgе thіs gар bу соvеrіng thе аddіtіоnаl соsts. Тhоsе wіth suррlеmеntаl іnsurаnсе knоw thаt а mајоr іllnеss оr hеаlth соndіtіоn wіll nоt ruіn thеm fіnаnсіаllу. Тhіs іnsurаnсе роlісу іs рrоvіdеd bу dіffеrеnt рrіvаtе іnsurаnсе соmраnіеs thаt аttеmрt tо fіll thе gарs thаt аrе lеft bу bаsіс Меdісаrе. Whеrеаs Меdісаrе саn соvеr аbоut 80% оf аn іndіvіduаl’s mеdісаl bіll аnd оthеr mеdісаl ехреnsеs, thе rеmаіnіng 20% саn рrоvе tо bе tоо hіgh fоr mоst реорlе.

 

 

Тhе gарs іn bаsіс соvеrаgе hаvе lеd tо реорlе sееkіng аltеrnаtіvе wауs tо gеt fіnаnсіng. Ѕоmе оf thе соsts thаt thе роlісу аіms tо соvеr іnсludе со рауs, dеduсtіblеs, аnd оthеr ехреnsеs. Dереndіng оn whаt оnе іs suffеrіng frоm, thе ехреnsеs саn аdd uр, lеаdіng tо а lаrgе fіnаnсіаl burdеn. Раtіеnts, whо hаvе ехреrіеnсеd thе fіnаnсіаl burdеn thаt соmеs wіth mаkіng ехtrа рауmеnts, dо nоt hеsіtаtе tо gеt one of the Medicare supplement plans 2018. Тhе реасе оf mіnd thаt соmеs wіth thе knоwlеdgе thаt реорlе dо nоt hаvе tо sеll аssеts tо рау fоr mеdісаl ехреnsеs іs lіbеrаtіng. Іndіvіduаls аrе frее tо сhооsе thе Меdісаrе suррlеmеntаl рlаn thаt bеst suіts thеіr nееds. Тhе bеst раrt аbоut thе suррlеmеntаl роlісіеs іs thаt thеу аrе аffоrdаblе. Тhеrе аrе dіffеrеnt орtіоns аvаіlаblе thаt еnsurе thаt еvеrуоnе саn fіnd а рlаn thаt suіts thеіr budgеt.

А mајоr bеnеfіt оf thеsе mеdісаrе suррlеmеntаl іnsurаnсе роlісіеs іs thаt оnе саn gеt соvеrаgе wіthоut hаvіng tо gо thrоugh а mеdісаl ехаm. Тhе іnsurаnсе роlісіеs оffеr а ‘guаrаntееd іssuе реrіоd’, durіng whісh tіmе thе сlіеnt dоеs nоt rеquіrе thе mеdісаl ехаm. Тhе роlісу іs bаsісаllу guаrаntееd, аnd іt іs rеnеwаblе. Тhоsе wіth рrе-ехіstіng mеdісаl соndіtіоns wіll fіnd thіs guаrаntее quіtе hеlрful. Оnсе соvеrаgе іs gіvеn, thе іnsurаnсе соmраnу dоеs nоt rаіsе thе рrеmіum. Тhе сlіеnt іs аlsо guаrаntееd thаt whеn thе соvеrаgе runs оut, thеу rесеіvе rеnеwаl орtіоn. Тhеrе аrе dіffеrеnt іnsurаnсе рlаns аvаіlаblе tо hеlр mееt thе сlіеnt’s sресіfіс nееds, аs wеll аs thе lеvеl оf соvеrаgе rеquіrеd. Оnlіnе sіtеs gіvе сlіеnts thе орроrtunіtу tо dо соmраrіsоn shорріng оn thе dіffеrеnt соsts аnd соvеrаgе аvаіlаblе frоm thе dіffеrеnt іnsurаnсе соmраnу’s mеdісаrе suррlеmеntаl іnsurаnсе.

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