3 BENEFITS OF STRETCHING
We’ve all been advised to stretch before working out or performing physical activities. However, some recent studies have cautioned against this practice, claiming it may lead to an increased chance of getting injured. Regardless, this does not mean you should cut stretching out of your life completely. Stretching is not just for athletes. Everyone can benefit from this practice, and there are many advantages that come with improving your flexibility. Getting in the habit of stretching after you wake up and before you go to bed can benefit many aspects of your overall health.
aside from the monthly premium is the Part B deductible. Those on a Plan N likewise will see the Part B deductible increase, with the other copays remaining the same. Additional categories are the Part A deductible and coinsurance. Part A has a $1,556 deductible starting in 2022, a $72 or 5% increase. The deductible is for the first 60 days as an inpatient in a hospital. The coinsurance from days 61–90 will be $389 for 2022, up from $371, which is an $18 or 5% increase. The daily coinsurance for the lifetime reserve days will be $778 going forward, which is a $36 or 5% increase. Under Part A, the skilled nursing facility coinsurance will go from $185.50 to $194.50 for days 21–100 in 2022. More of the cost burden for those with Medicare Supplements is now shifted to the beneficiary and the supplement. Soon the supplements will increase their charges to reflect the increased cost passed on to them. Medicare Advantage is different from Original Medicare Part A & Part B that works with Medicare supplements. The costs Medicare Advantage plans take on, and the capitation payments made to the insurance companies by CMS, are not published in the same way, but be assured that the Advantage plans have suffered similar increased costs. Next muscles and allows them to move easier. This still does not mean you should stretch right before working out, but by creating a routine where you stretch in the morning or at night (or both!), your muscles will stay looser, helping prevent muscle strains and tears. IMPROVED BALANCE AND POSTURE Strong posture and balance are essential for both everyday activities and athletic performance. Good posture is necessary for spine health, and you need good balance to do everything from walking down the street to standing and sitting. The flexibility gained through stretching improves the muscles that are needed for correct posture, and you will also increase your range of motion. RELAXATION AND REDUCED PAIN There are also certain stretches that help lengthen and open your muscles. When
year, the changes will be reflected in the Medicare Advantage plans’ copays, premiums, and coinsurance. The Consumer Price Index rose 6.8% from November 2020 to November 2021, the most significant 12-month increase since the period ending June 1982. Energy prices rose 33.3% over the last year, and food prices increased 6.1%. Medical prices only increased 4.9%, but medical expenses are usually a lagging cost after more immediate consumer goods, like food and gas (Bureau of Labor & Statistics). All of you remember the 1970s and early ’80s when interest rates were as high as 18%. Many of you were purchasing your first home. Fortunately, you were in your earning years. Your jobs and careers were growing along with your salaries. You heard about the challenges for those on “fixed incomes,” but your salaries were growing with inflation. It is amazing how quickly lessons are forgotten. I hope we do not see the same economic stress now as in the ’70s and ’80s, but prices will be going up in the foreseeable future, which also means Medicare and Medicare- related insurance will cost more. I will help in every way to direct you to policies, plans, and programs that lessen the financial burden, but the next couple of years will be different than the past few. your muscles are looser and relaxed, you’re less likely to feel pain or experience muscle cramps. Stretching can work wonders for people suffering from lower back pain. This pain is often caused by tight muscles, and stretching will loosen them and relieve that pain. Stretching can also help your mind loosen up and unwind, which will relieve stress and improve your mood.
Here are our top three benefits!
REDUCED RISK OF INJURY If your muscles are tight and you start working out, your chance of injury increases. Stretching helps to loosen your
Every November, CMS (Center for Medicare & Medicaid Services) announces its changes to the Medicare program. The big number that people are most concerned about is the Medicare Part B premium covering doctor visits and outpatient procedures. Here are the important updates to know: Medicare Part A for the hospital still costs nothing. The new Part B premium is $170.10 per month per person. And, starting this month in January 2022, Social Security will start deducting that amount from your Social Security check or bank account. For those on Medicaid, the state will continue to pay your Medicare Part B premium. For those paying the IRMAA tax, those numbers likewise increased for 2022. Other numbers increased as well. The Part B annual deductible increased from $203 to $233 for 2022, a $30 or 15% increase. The Part B deductible is particularly relevant for those with a Medigap Plan G. The only cost IS A MEDICARE PLAN YOUR 2022 RESOLUTION? GET NEW 2022 MEDICARE UPDATES HERE
2 • OmahaInsuranceSolutions.com
Made with FlippingBook Ebook Creator