Medicare is a health insurance program issued by the government. The program covers people aged 65 or older, certain people with disabilities, and patients with end-stage renal diseases. It encompasses several plans and is divided into four parts with certain services - A, B, C, and D. Out of these, Part A is free for those who've paid Medicare taxes for at least ten years, but the others have to pay a premium. Even though the program is helpful for many, some Medicare plans are complicated in terms of coverage. This makes it difficult to understand. They might cover various aspects of health care, but many conditions are not covered as well, some of which include: Dental care Medicare plans may cover basic health care services and X-rays, but they have a limit of $1,500 annually. Medicare plans may not cover routine dental checkups and treatment of certain dental services. They also do not cover dentures and fillings. However, in the case of emergency hospitalization, patients can use Part A to pay off certain dental services. Long-term hospitalization Usually, all Medicare plans cover up to 90 days of hospitalization. The benefit period begins on the first inpatient day at a hospital or nursing facility and ends when inpatient care isn't received for more than 60 days. Furthermore, if the patient suffers two or more accidents within 60 days, the Medicare plans cover the cost for only one of them. Cosmetic surgeries Original Medicare plans do not cover the costs of cosmetic surgeries. However, if it is due to a deformity or injury, the patient can use Medicare plans to pay for certain health care services such as artificial limbs, artificial eyes, and replacement parts. Furthermore, breast cancer survivors can also employ Medicare to pay for a post-mastectomy breast prosthesis. Health care received while overseas In most cases, original Medicare plans do not include health care expenses incurred outside the country. However, the expenses can be paid for in rare and specific circumstances, which include the unavailability of the nearest US hospital close to the borders. In addition, certain plans may also cover healthcare services received on a ship in US territorial waters. Medicare Advantage plans offered by private healthcare insurance companies cover the exclusions from parts A and B of Original Medicare. Some common examples of such plans are Health Maintenance Organization, preferred Provider Organization, Private Fee-For-Service Plans, and Special Needs Plans. For example, United Healthcare offers Part C Medicare Advantage with $0 copays, dental benefits, prescriptions, vision benefits, hearing benefits, and exclusive OTC credits. All private insurance providers who offer such plans with Original Part A and B benefits must follow the rules set by Medicare.

We have grown up with our grandparents sharing their life stories with us where they found it hard to share and transmit their important messages to their near and dear ones who lived far away from them and had to totally depend upon the postal services. Those golden old days are long gone and today we live in a fast-paced world where we are able to show people living miles away what is happening in our lives as it happens “ all due to the phenomenon that is the cell phone. Wherever we go, whether it is shopping malls, the road, home, hospital, office, and even the mountains, we can stay connected with the world with cell phones. Information technology has brought the world closer where we are able to keep in touch constantly with family and friends through social apps and see HD quality pictures and videos through social media websites in real-time. Communication has made it really simple even for any emergency purpose to seek the help of ambulance, police or any other services or even our loved ones and friends who are all but one phone call away When many of us are busy and stressed, the easiest way to destress and relax is watching entertainment programs. Now television programs are telecasted around the globe through their mobile applications, and all we need to watch them is a Wi-Fi or mobile data connection. The whole world is at your fingertips “ there are numerous news apps, health apps, music app and game apps to enjoy according to one's mood. If data or Wi-Fi is enabled on the mobile phone, it helps a lot for the daily utilities such as helping to book a cab, getting an appointment with a doctor, getting a reservation at a restaurant, paying one's electricity and phone bills, and even shopping online. If the phone is camera supported there is nothing better than capturing that special moment at any time. More than all of this, the phone is indispensable as a navigator. With the help of GPS, we can reach any location we desire with the correct driving directions as well traffic conditions. Our lives have become more organized with this tech gadget. One can set alarms, store important documents, write out memos, store events in the calendar, etc. At the end of the day, cell phones are a smart gadget. All we need is to use it accurately and for the correct things.

Curtains are usually used to cover windows and keep the sunlight from entering the room. It is also one of the most widely used decor items used in households. And, you can also use curtains for decorating your bathroom area along with your living room. Yes, bathroom curtains work excellent to provide a new touch to your bathroom. But, buying bathroom curtains is not an easy task as much as you assume. It requires proper research, and you should keep few considerations in your mind. After all, the atmosphere of bathrooms is opposite from that of other rooms in your home. This is why you should take extra care in choosing curtains. Do you know all the things, which you should consider while buying bathroom curtains? If "NO," then here we have arranged few tips that you should follow to get the best results. Measure size- The size is one of the most important considerations that you should consider. Make sure that you measure the size of space where you want to install bathroom curtains. It will help you to choose the right size curtain along with other specifications. Never forget about size because a wrong size can break the entire look of your bathroom. Choose the right fabric- As the bathroom space always stays moist, you should choose the right material for curtains, which is moist resistance. A damp and water resistant curtain never needs extra care and get dry quickly. Make sure, you avoid heavy curtains and choose light curtains for your bath area. Color is must- Colors also add magic to bathrooms. Make sure; you go with the right colors for beautifying your bathroom space. It is good if you go with bright colors instead of dark colors. The bright colored bathroom curtains spread sunlight in the bathroom area and provide a natural source of light. It will help in reducing power bills. You can also choose different prints to set a bathroom theme. Choose according to space- Yes, you have to decide the use of bathroom curtains. Do you need curtains for covering window? Or do you need them for separating your bathroom into two sections? After determining the use of bathroom curtains, you can get the best one according to your needs. It will help you to choose the right size, color, and fabric as well. So, it is better if you decide a space first. That' it! Just keep all these considerations in your mind while buying bathroom curtains. All these tips will help you to choose the best of everything. Apart from curtains, you can also use bathroom mats to add a new shine to your space. Isn't it amazing? This way you can easily choose curtains that you like.

Are you worried that your decision to buy a used car, and not spring for a new one will affect your ability to get financing for your purchase? Well, you shouldn't be! A lot of banks and financial institutions out there offer good rates on financing for used car purchases, given certain parameters like the age of the car in question, and of course, your own personal credit history. But the current trend in used car auto financing over the first quarter in 2017 suggests that you can expect to pay between 4.88% and 4.91% interest rates on your used car financing. The variations of course depend on the length of the loan, though the standard term for a used car loan seems to be 36 months, or 3 years. But one can also find 60 and 48 month length of finance options for used car purchases. The city and state you reside in and are purchasing from, will also affect your loan and finance options. Bank of America (which is currently advertising a 2.89% rate of interest on a 60-month used car loan for a purchase from a dealer) and US Bank (which is offering 2.87% as its lowest rate of interest on a 36-month financing for a used car) both claim to offer highly competitive rates of interest and equivalent terms, be it for a new or used car. Both banks are also offering up to 100% or even more of the car value as the loan amount, for a total of $100,000. And one is not restricted to purchasing only from a dealer, though that will definitely offer the best interest rate options. Private purchases from an owner will also be entertained and finance provided. While other banks may not offer such terms, Chase and Capital One are other well-known banks that do offer decent terms. Capital One, in fact, has offers online from around 2.9%, though the terms and conditions will only come to light when one actually goes through the application process or the pre-approval online process. There also appears to be minimal change in rate between the shorter 3 year and longer 5 year loans for used cars. So, be armed with the right information before you head to the dealership or bank and you should have no problems getting competitive used car finance rates and finally financing for the purchase of your used car.

Finding suitable slipcovers for your beautiful furniture can be a tricky task because there are so many of them in the market. All of them might seem wonderful; however, only a few will meet your exact requirements. In fact, the presence of myriad options when it comes to color and patterns adds to the confusion; therefore, it is important to follow certain tips and tricks to make an informed decision. Readymade or customized: If the shape of the furniture belongs to the conventional category, you can use readymade slipcovers; however, any odd shape calls for consultation with the retailers. Users should clarify the requirements in advance so that a customized option can be created from the ground up. In short, the slipcovers should fit the furniture without creating loose ends or unsightly creases. Style and material: Homeowners usually have different preferences and requirements as far as the color and style of the fabric is concerned. But as a thumb rule, a neutral room looks good with dark slipcovers and a colorful room look better with neutral covers. Also, for regular use, you should pick fabrics which are easier to maintain. Satin or silk slipcovers can be reserved for special occasions. Although customized versions are costly, they usually last for a longer period of time. Cost-effectiveness: If your budget is limited, go for a readymade alternative because it is more affordable than customized ones and also easily replaceable. In addition, you should measure the size of the furniture carefully before placing the order for upholsteries. In certain cases, semi-customized slipcovers can do the job by transforming the appearance of the furniture. Sofas along with ottomans require special products that would provide protection to its material. Type of fabric: If you have lots of pets at home, it is important to use fabrics that can be easily washed. Cotton, denim, or even corduroy can be wonderful choices for the users because they are quite sturdy and can be easily cleaned. A simple swipe with a piece of cloth is enough to remove the dust that accumulates over time. If the furniture is made of leather, you can buy slipcovers in the form of a rug and place it over the seating area. It prevents slippage and also provides a higher degree of comfort to the users. Excess fabric that comes out of the corners of the sofa can be pushed inside with the help of a spatula. Sometimes the new slipcover while being fitted on the furniture may display wrinkles. In such cases, you can always use a damp towel for a few minutes to get rid of them. Online websites: Online websites play a very important role in providing a slew of options to the customers. Beautiful patterns and colors are available on such portals for the users. Therefore, one doesn't have to physically visit furnishing stores to check the quality of the cover. Also go through the care instructions to see if you will be able to maintain the covers efficiently.

If you want to apply for the free government cell phone program, you should first check whether you are eligible. There are different ways by which you may be eligible for the free government cell phone program. Some of these include the following criteria: Eligibility for free government cell phone through participation in Federal or State assistance programs Here are the various criteria in this category:

• Veterans Pension and Survivor’s Benefit
• Bureau of Indian Affairs General Assistance
• Federal Public Housing Assistance
• Food Distribution Program on Indian Reservations
• Medicaid
• Supplemental Nutrition Assistance Program
• Supplemental Security Income
• Tribal Head Start (This only includes households which meet the income qualifying standard)
• Tribally Administered Temporary Assistance for Needy Families

Eligibility for free government cell phones due to household income Here are the various criteria in this category:

• For all states in the country, with the exception of Alaska, California, and Hawaii, the minimum income level for a household of one person is $16,281.
• For all states in the country, with the exception of Alaska, California, and Hawaii, for a household with every additional person, $5,643 is added to the above minimum income level. For example, in a household of two people, the income level will be $21924.
• In the state of Alaska, the minimum income level for a household of one person is $20,331.
• In the state of Alaska, for a household with every additional person, $7,061 is added to the above minimum income level. For instance, in a household of two people, the income level will be $27,392.
• In the state of California, the minimum income level for a household of two people is $26,400.
• In the state of California, the minimum income level for a household of three people is $30,700.
• In the state of California, for a household with every additional person, $6,600 is added to the above-minimum income level. For instance, in a household of four people, the income level will be $37,300.
• In the state of Hawaii, the minimum income level for a household of one person is $18,772.
• In the state of Hawaii, the minimum income level for a household of two people is $25,205.
• In the state of Hawaii, for a household with every additional person, $6,494 is added to the above minimum income level. For instance, in a household of three people, the income level will be $31,698.

If you are eligible by any of the above, begin the enrollment process for your free government cell phone.