Should You Choose Medicare Plan F with a High Deductible?

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October 29, 2022

Medicare is a federally funded program that helps elderly and disabled individuals pay for healthcare services. Medicare plan L is one of the most popular types of plan coverage because it’s a stand-alone PPO plan which means there are no deductibles, co-payments, or coinsurance charges. You have access to any doctor or hospital in the country. This Senior Affair article will cover what you need to know about this type of healthcare coverage, including what it covers and whether or not it’s suitable for you.

What is Medicare Plan L?

Plan L is a Medic supplement plan covering Part A and Part B hospitalization benefits. However, this means it covers all the expenses related to your stay in a hospital, including emergency services, inpatient care, surgical care, and inpatient rehabilitation. Medicare plan L is not an insurance plan but a supplement to the original HMO, EPO, or PPO plans. But, on the other hand, you can only purchase it in addition to another Medicare plan.

Plan L is less comprehensive than regular private insurance, as with the other plans. It will not cover emergency transportation, complementary health services, or nursing care expenses. Instead, the client must pay for all these services even if they are plan L-eligible. According to the Medicare website, this plan only covers a hospital portion of benefits and inpatient care.

What Plan L Covers

The Medicare plan L supplement will cover 100% of the costs of covered hospital care if the client stays in a hospital for a period equal to or less than 60 days. If the client remains in a hospital for more than 60 days, Plan L will cover 75% of Part A’s daily coinsurance charge.

Plan L does not cover Part B medical expenses, medications, emergency transportation, or home health care services. Therefore, the client must pay all these expenses out-of-pocket. Plan L covers all insured persons 65 years or older, with Social Security benefits, in the United States and its territories.

What you need to know before enrolling

Plan L requires a monthly premium payment. However, this is the same as for other supplement plans. For example, plan L covers only those continuously insured under the original plans or their EPO, HMO, PPO, or military insurance. Plan L is not an insurance plan but a supplement to the original HMO, EPO, or PPO plans. On the other hand, they can only purchase it in addition to another plan.

What does Medigap Plan L not cover?

Plan L is only offered in addition to the other Medicare plans. However, it does not cover benefits like long-term care, transportation, and skilled nursing care. Therefore, the client must pay for these services out-of-pocket even if Plan L covers them. Although Plan L is a supplement to Medicare, it can only be purchased by individuals who have been continuously insured under the original plans or their equivalents EPO, HMO, PPO, or military insurance.

Plan L does not cover medical emergencies that happen while you are traveling abroad. The Medicare Plan L supplement does not cover any therapies, including those in the facility physician’s office. Instead, it covers only those services related to hospital stays, surgical procedures, and inpatient rehabilitation.

Out-of-pocket limit

The out-of-pocket limit for Plan L is the same as for all other Medicare supplement plans. It is $1,200 for 12 months. Unlike many other supplement plans, Plan L has no time limit.

How do you purchase Medicare Plan L?

A person can buy this plan in a supplement insurance office or through a Qualified Purchaser QP. The person must already be enrolled in the Original plan. If the person is not yet insured under the original plans, they can enroll in one of these plans and add Plan L to their coverage.

You can also purchase this plan from a private insurance company or enroll directly through the designated plan page. The client must pay the Plan L premium. It is the same as for other supplement plans. If a person is already covered under Original plan L, they need to contact their insurance carrier to add Plan L to their coverage. If they still need a carrier, they must go to an insurance company and add this plan to their coverage.

Is purchasing Medigap Plan L a good idea?

It is good if you are already insured under regular plans and want to add this supplement to your benefits. You will have double protection in case of medical emergencies that require hospitalization. The two plans in place will help cover the expenses related to your stay in the hospital, including any surgeries or rehabilitation treatments.

Plan L will also help pay the costs of the services related to emergency transportation, home health care, and in-home nursing services. If you are already insured under the regular Medicare plans but want to add another supplement, it is not advisable to add Plan L. It does provide benefits that can help reduce your monthly premiums for other plans, and it will cover some of these expenses; however, there are still some services that are not covered by this plan, and you would have to pay for them.

Pros and Cons of Medigap Plan L

Medicaid Plan L is a supplement plan that helps cover Part A and Part B hospitalization expenses. However, this means it covers all the costs related to your stay in a hospital, including emergency services, inpatient care, surgical care, and inpatient rehabilitation. Medicare Plan L is not an insurance plan but a supplement to the original HMO, EPO, or PPO plans. But, on the other hand, they can only purchase it in addition to another plan.

Pros

Low premiums
High monthly benefits
No time limit
Covered medical expenses

Cons

Only 75% coverage
No coverage for Part B excess charges or foreign travel emergencies

Conclusion

Medigap Plan L is one of the most comprehensive supplement plans. It covers the expenses related to inpatient care, including surgery, inpatient rehabilitation, emergency transportation, and home health care. It also covers many other medical services that do not require hospital stays but are still very important. However, this plan still needs to cover certain critical services like skilled nursing care, which must be paid by the client out-of-pocket.

Is Medicare Plan G Better Than Plan F?

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October 28, 2022

Many often ask which is better between Medicare supplement Plan F and G.

It is challenging to decide the best among these two unique plans.

It would be best to analyze each cover’s benefits and areas to know the best among them.

Let’s discuss Plan F and G.

What are the Benefits that Medicare Supplement Plan F Covers?

Medicare Supplement Plan F grants the most comprehensive coverage among the ten supplement plans hence, why many people opt for the plan.

Even though it is the most expensive among the ten supplement plans, its benefits supersede every other plan, making it more advantageous than any other plan.

Once you enroll in Plan F, you only have to pay your monthly premium; the plan takes care of your out-of-pocket expenses.

Some of the benefits of Medigap plan F are:

It covers Part A coinsurance and hospital costs.
It covers Part B coinsurance.
It provides for three first pints of Blood.
It caters to skilled nursing facility care coinsurance.
It covers Part A and Part B deductibles.
It covers overseas travel emergency costs.

The clause to Medicare Supplement Plan F is that if you became eligible on January 1, 2020, or later, you won’t be able to enroll, which is why many people are looking for an alternative. However, you can enroll if you become eligible before the date above.

What are the Benefits Medicare Supplement Plan G Covers?

Medicare supplement Plan G is similar to Medicare Plan F and offers equal benefits. However, if you enroll for Plan G, you must pay for your Part B deductible, which is $233 for 2022.

After this payment, the plan will cover every other out-of-pocket expense, and you will only need to pay your monthly premium.

Surprisingly, Medicare Supplement Plan G is cheaper than Plan F, which is the edge of Plan G over plan F.

Most times, the monthly premium payment of Plan F is more than Plan G, so it will be wise to enroll for Plan G instead of Plan F to save costs.

The benefits of Plan F and Plan G are similar, except that you need to pay for Part B deductible in Plan G, which you won’t pay for in Plan F.

Which Medicare Supplement Plan Should I Choose Between Medicare Supplement Plan F and Plan G?

We hysterically state which of the Medicare Supplement Plan you should choose because both offer almost the same benefits. So many people choose the plan which will save them more money.

Knowing the most cost-effective plan would help if you considered several factors. These factors are your zip code, age, your preferred private health insurance company, and their charges.

On Medicare.gov they explain the comparisons of Plans F & G.

Conclusion

The most critical condition you need to consider when choosing a Medicare plan is to examine which plan satisfies your needs and is also cost-effective. Medicare Plan G is not better than Plan F since Medicare Plan G covers one less benefit than Plan F. You are responsible for paying the Part B deductible, however Medigap Plan F covers the deductible.

How Much Does a Medicare Supplement Plan Cost?

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October 28, 2022

How much does a Medicare Supplement Plan cost

Deductibles, premiums, and co-payments are costs when choosing a supplemental plan. A supplemental plan, or Medigap, helps limit out-of-pocket expenses by supplementing Medicare. A variety of plans are available from different insurance companies. Find out what supplemental plans are, how much they cost, and what they include to choose the right one for you.

What is a Medicare Supplement Plan?

Supplemental plans policy helps limit your out-of-pocket expenses by supplementing Medicare. A variety of plans are available from different insurance companies. Find out what supplemental plans are, how much they cost, and what they include to choose the right one for you. Original Medicare only covers a portion of medical expenses. Supplement Plans can fill the gap. Covering certain coinsurances, co-payments, and deductibles, they help limit your out-of-pocket costs.

Although some supplemental plans do, original Medicare does not have an out-of-pocket cap. However, once you reach this limit, specific Supplement Plans cover the remainder of the cost of health care services for the rest of the year.

Benefits of Supplemental Plans

Supplemental insurance policies offer partial or complete coverage for:
Out-of-pocket expenses are not covered by Part A and B
Part B co-payments or coinsurance.
Coinsurance for Part A hospital stays and a year of coverage
Nursing facility coinsurance.
Part A Hospice coinsurance or co-payments.
Limited travel emergency services internationally.

Factors That Determine Supplemental Premium

Type of Plan

Ten supplemental plans are available, including A, B, C, D, F, G, K, L, M, and N. Each supplemental plan must provide basic, essential, standardized benefits. Medigap plans’ coverage is standardized, but their costs are not. In addition, some plans charge a higher premium than others. These plans usually offer more comprehensive coverage.

Insurance Company

Certain insurers offer discounts for married couples or nonsmokers. Paying your bills online automatically or paying yearly instead of monthly might qualify you for a discount. In addition, some companies offer Medicare SELECT plans, which offer lower premiums if you use specific providers.

Geographic Area

Where you live affects the cost of a supplemental plan policy. Supplemental plans are not available in all states or from all insurance companies.

How the Plan Is Rated

Plans can be rated by insurance companies based on your age. This can affect the amount you pay for coverage. Other plans do not.

What is the Average Cost of Medicare Supplement Plans?

Medicare reimburses private insurers for supplemental policies, which causes vast differences in policy rates. However, insurers may have substantial price differences for the same coverage. For example, some Supplemental plans have a higher monthly premium but provide more benefits.

Supplemental plans cost anywhere between $50 and $300 a month. According to industry experts, a supplemental insurance plan usually costs about $150 a month. In general, higher premium plans have lower deductibles. The opposite is true for plans with lower monthly premiums. Please continue reading to learn more about how a supplemental plan is priced and what factors affect it.

How is Medigap priced?

The pricing policy of your health insurer can directly affect your current and future supplemental plan premiums. However, your age may not affect the amount you pay, depending on the insurer. Other companies may raise the cost of your policy every year or set a rate based on your age at the time of purchase.

Community-Rated or ‘No Age-Related’

Unlike other Medigap policies, this one does not consider age. Therefore, your monthly premiums will not increase or decrease based on your age despite inflation. The cost of this type of policy is roughly the same for everyone, regardless of age.

Entry Age-Rated ‘or Issue-Age-Rated

The cost of this type of policy depends on your age when you buy it. As you get older, the price will remain the same. Initially, the policy’s price was more or less fixed, though inflation may have increased it over time.

Attained Age Rated

Your current age determines the cost of this policy. Your premiums will rise as you age. When you first become eligible for Medicare, you may find that age-rated policies are your most affordable option, which may change in the long run. Inflation and other factors can also increase premiums.

Comparing the Costs of Medigap Plans

Price comparison of Medigap plans is essential when shopping for supplemental plan insurance. To meet the requirements of Medicare, all ten plans must offer standardized, important benefits. Medigap plans’ coverage is standardized, but their costs are not. You can save money by shopping around, comparing coverage, getting quotes, and asking questions. Some believe that Medigap plans are not merely about price but also financial stability, rate increases, claim histories, and customer service. When switching plans, ask if the insurer will consider your health status before enrolling.

Wellness Briefs Review: Adult Diapers Inspired By NASA Technology

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October 27, 2022

WELLNESS BRIEF SUPERIO SERIES with over 1157 five star reviews! Click here to see why customers are raving!

When you or a loved one uses incontinence products, the caregiver and user want to ensure the product doesn’t leak and is comfortable to wear, even at night. These adult diapers from Unique Wellness are inspired by NASA technology, with the most absorbent adult briefs on the market.

The award-winning NASA-inspired InconTek technology combined with SPEEDSORB technology protects your skin by keeping your skin dry, also removing the odor and other issues associated with adult diapers and briefs.

When you wear Unique Wellness Briefs, you can be confident you won’t have to worry about accidents or embarrassment, and it can reduce the number of changes per day to 3 and reduces the number of diapers you use, saving you time and money in the long run.

Sizing

The sizing may run a bit large, and ordering some samples may help you choose the perfect fit. The packaging is high quality and explains the technology.

The Wellness Briefs Superio Series come in:

Medium – 24″ to 36″ hips or waist
Large – 36″ to 46′ hips or waist
X-Large up to 67″ hips or waist

Superio Series – Side-Taped Diapers

Superio Series is their top-of-the-line adult diaper briefs, designed for more active use that will never tear or have pinholes despite constant movement. The white plastic backing is quieter and does not make the usual crinkle sound other briefs make. It also features a wider core to help those with bowel incontinence and the NASA-inspired InconTek® advanced multi-layered system. Latex free and has a re-sealable landing zone.

These award-winning adult incontinence diapers and briefs were featured on Discovery Channel’s How stuff works and was designed to last up to 8 hours using NASA-inspired multi-layered InconTek® technology similar to designs used by astronauts in space for long missions.

The unisex adult briefs have a unique scheduled changing system in that they only need to be changed once in eight hours or three changes in 24 hours. Save up to 70% over other incontinence briefs due to fewer changes and rarely requires expensive creams or ointments.

Recently they added a new feature to their adult diaper briefs called SpeedSorb® which can absorb liquid up to 400% faster than our previous designs. This ensures that your skin stays dry.

Elastic Leg Bands

The elastic on the legs is wide enough for most legs and should help you feel secure.

Standing Inner Leak Barriers

The leak barriers are very effective and run up the entire length of the crotch, halfway up the front of the product, and even some on the back, which is excellent for bowel accidents. There is no need to “stand them up” when you open the diaper to put it on, they stand on their own and go right where they’re supposed to be. The material repels liquid.

Side taped diapers

Resealable and latex free, these are top-of-the-line products to provide peace of mind and protection.

The diaper tapes are large, making them very strong and easy to grasp and hold onto.

Absorbent Underwear

The most popular product is the pull-on underwear featured on Discovery Channel, which is designed to last up to 8 hours and inspired by astronauts in space that must be used in space for long missions.

They come in 5 sizes:

Medium – 19″- 30″ waist – 16 count
Large – 30″- 40″ waist – 14 count
X-Large – 40″ – 60″ waist – 12 count
XX-Large – 60″ – 80″ waist – 10 count
XXX-Large – 80″ – 95″ waist – 10 count

Quality is excellent, including bed pads and booster pads.

Currently, they ship to 48 States.

Use this code UNIQUE5 to save 5% on your order.

You can purchase by the case, pack, or a sample

Check Prices

6 Secrets Why are Some Medicare Advantage Plans Free?

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October 19, 2022

Why are Some Medicare Advantage Plans Free

Medicare Advantage is a type of health plan that provides coverage for medical expenses rather than just providing traditional Medicare benefits. For example, some plans will cover dental services and vision exams and provide coverage for doctor visits. While the plans offer higher-quality services, they are not free. Funds are spent on these plans and, in some cases, by other taxpayers. However, some Medicare Advantage plans are free; this is because:

1.) Some plans are provided by private health insurance companies

Private health insurance companies provide some plans and only receive government reimbursement for coverage to people with Medicare. Since these plans only get paid when they provide services, the amount of money that they receive from the government is greater than what it costs them to provide their services.

2.) Other plans are provided by non-profit organizations

Other plans are provided by non-profit organizations that receive enough money to cover the services’ costs. This is because these types of organizations have certain tax breaks that allow them to not pay taxes on their income and not have to return any of their profits. In other words, the money these plans receive from the government is more than enough to cover their costs.

This is not to say that all Medicare Advantage plans are free. Some plans require patients to pay a premium each month. This means that while they receive coverage from the health plan, they must also pay a portion of the cost of their care and pay taxes into Medicare.

3.) Some plans limit how much they can charge patients.

Some Medicare Plans G is free because they limit how much they can charge patients. For example, a plan may receive $1,000 to provide a particular service for a patient. However, it only costs them $500 to provide the service. In this case, the plan can only charge the patient $500. However, since they are only allowed to spend $500 worth of services, the patient is not charged for anything more.

4.) Some plans have flat-rate co-pays

Some Medicare plans are free because they have a flat-rate co-pay system instead of a monthly subscription. For example, a plan may charge patients $10 per office visit regardless of how many visits they receive that month. As a result, patients only have to pay a total of $10 out-of-pocket each month for the services provided by the health plan.

5.) Some plans are free because they are part of group plans

In some cases, Medicare Advantage plans are free because they are part of group plans. In other words, these types of health plans do not have to cover any costs associated with providing their services to any individual patient. Instead, these plans are intended for people who are part of the same employer or union, and their employer covers the health plan costs.

6.) Some plans have limited benefits

Get a FREE, No-Obligation Medicare Quote Today!

In some cases, the plans have limited benefits. For example, a health plan may only cover half the costs of a particular service. As a result, patients will only have to pay half of their regular costs for that service. Medicare or another government program will pay for the remaining costs for the other half. As a result, these plans do not have to charge patients any premium for their services.

Because some plans are free does not mean that you should avoid looking at the plans that charge a monthly subscription. While it is true that these types of plans will save you money up-front, many of them have higher rates than plans that charge flat rates for their co-pays. As a result, you could end up paying more in the long run if you choose a plan that has monthly payments.

Conclusion

Plans may not be free. However, they are often less expensive than the traditional plans they offer to supplement their services. For example, some plans will only charge patients $10 per month for their co-pays without additional premiums. If you choose a Medicare plan that covers your expenses up-front, the amount you will save in the long run and the money you will have to pay each month can be staggering.

10 Best CBD Oil For Sleep & Insomnia

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October 19, 2022

More adults aged 55 and up are starting to try CBD oil to improve their sleep quality. We present the best CBD oils for sleep and insomnia and a buyer’s guide to help you use them.

10 Best CBD Oils For Sleep & Insomnia On The Market

Freely – Best Overall
CBDfx – Best Formula
CBDistillery – Best Quality Standards
Joy Organics – Best Broad Spectrum
Wonderfeel – Best Night-time CBD
Medterra – Best Pure CBD
CBDPure – Most Natural
Elixinol – Most Advanced Technology
New England Hemp Farm – Best Reputation
Endoca – Best Full Spectrum

CBD Oil For Sleep

Since CBD has become popular in recent years, research has shown promise that CBD oil can be used to help you get a better night’s sleep.

The studies show that CBD indirectly improves your sleep by addressing other issues affecting your sleep, like anxiety, stress, pain, and depression. Some evidence shows that CBD works as a sedative when you take it in high doses.

CBD is a natural and non-intoxicating substance that’s been proven safe; compared to other medications used to treat insomnia and other sleep problems could cause side effects and addiction if taken for a long period. These were designed to treat the symptoms and not the problems.

1.) Freely

Freely Calm & Relief Extra Strength Tincture (15ml)

Freely’s Broad Spectrum oil is known for harnessing the power of the entourage effect, the phenomenon of cannabinoids working more effectively when consumed with other cannabinoids without containing Tetrahydrocannabinol (THC)

Cannabidiol CBD Broad Spectrum (THC-FREE) 1000mg (66.66mg/ml)
Cannabinol CBN 75mg (5mg/ml)
Tincture with CBD + CBN + Calming Terpenes

Use Discount Code Senior25

See Freely Reviews â

2.) CBDfx

CBDfx CBN + CBD Calming Tincture

Broad Spectrum CBD (1000mg-4,000mg)
5mg CBN & Melatonin per serving
Organic, Non-GMO & Vegan

CBDfx claims to provide 8 rounds of testing. CC Testing Labs, an ISO 17025-accredited facility, conducts the testing.

Pros

The brand offers a 30-day client satisfaction guarantee
The tinctures come with a traceable QR code that allows any user to check the lab reports of the product.
The brand carries out extensive and exhaustive third-party testing.
CBD Calming Tincture has CBN, a cannabinoid that helps with relaxation and sleep.

Cons:

They only accept unopened products for returns.

Summary

They have digital COAs (certificates of analysis) that you can view by scanning the QR code on every product. This is great to know what’s in every item.

They use non-GMO, organic Kentucky cannabis and a CO2 extraction process to get the CBD from the hemp. CBDfx plants have been granted the Current Good Manufacturing Practices cGMP compliance, with strict development and manufacturing standards have to be in practice.

Cannabinol (CBN) is reported to help with sleep; CBDfx combines the broad spectrum CBD and melatonin to create this tincture, creating a delivery system that helps you fall into a deep sleep faster.

The regular strength costs around $70 and has 1,000mg of CBD in a 30-milliliter (ml) container. You can choose between dosage versions including 2,000 micrograms in a 60-ml bottle and the maximum strength option, with 4,000 micrograms (mcg) in a 120ml bottle.

3.) CBDistillery

CBDistillery Full-Spectrum CBD Oil

Non-GMO
Third-Party Lab Test
US Hemp Authority Certified

Summary

CBDistillery is one of the most popular CBD brands in the U.S and has been recognized for its prices, transparency, and efficiency.

Established in 2016, CBDistillery has grown into a top-tier CBD brand; with full transparency, their full-spectrum CBD oils are perfect for helping with sleep. They have multiple options for strength and dosages to find meet your needs.

Pros

U.S. Hemp Authority Certified
High-quality Colorado hemp
Comprehensive third-party testing
Competitive prices

Cons

Lacks flavored options

Use Discount Code – Senioraffair

4.) Joy Organics

Joy Organics specializes in broad-spectrum CBD products, which contain all of the beneficial components of hemp except THC, if you’re looking for all the benefits from CBD without the THC, you should try this.

THC-free products
Fast acting products
Third-party lab testing

Pros

Free shipping
THC-free, broad-spectrum formula
Comprehensive third-party testing
High-quality Colorado Hemp
Free shipping

Cons

Low levels of minor cannabinoids

Summary

Joy Organics is a family-owned brand that offers a wide variety of CBD products, including oils, capsules, topicals and drinks.

They use broad-spectrum hemp extract in their products, providing all the beneficial cannabinoids and terpenes naturally found in hemp except for THC.

They source their organic hemp from Colorado and are third-party tested, which can be found online.

Joy Organics CBD oil is available in four strengths:

7.5 mg/ml (225 mg CBD total)
15 mg/ml (450 mg CBD total)
30 mg/ml (900 mg CBD total)
45 mg/ml (1350 mg CBD total)

You can also choose from four flavors: natural, tranquil mint, summer lemon and orange bliss.

5.) Wonderfeel

Wonderfeel Evening CBD

Wonderfeel CBD oil is a high-strength CBD product with 1350mg CBD, comes in a 30mml bottle, and is an easy-to-use dropper.

Improve your sleep after taking this high-strength CBD oil, it also has CBG and CBN to help you relax and fall asleep.

Since it’s potent, you’ll enjoy a deep sleep throughout the night.

The product is made from 100% natural ingredients, free of artificial flavorings and additives.

The high-strength potency (1350mg) is recommended by the manufacturer to start with 1/2 of a dropper that contains 22.5mg, the maximum recommended dose is 200mg per day.

It has an easy-to-use dropper that you can swallow or add to food or drink. Some people prefer to apply CBD topically, which is a great way to benefit from the high potency.

Their products are affordable.
Clinically tested for sleep issues
Zero THC board spectrum formula

6.) Medterra

Medterra is a reputable CBD company that offers a wide variety of affordable CBD products sourced from organic, non-GMO hemp grown in Kentucky. Medterra uses the industry gold standard CO2 extraction method and completely removes THC from its CBD products.

Medterra’s CBD tincture is made from pure CBD isolate, meaning no cannabinoids or other hemp compounds exist. It’s available in potencies of 17 mg, 33 mg, and 100 mg of CBD per ml, providing a total of 500, 1000, or 3000 mg.

Pure CBD isolate formula
Exceptionally low prices
U.S. Hemp Authority Certified
Comprehensive third-party testing

Check Price

7.) CBDPure

CBDPure, established in 2016 in Washington, has great, straightforward, unprocessed CBD products that include: oil, capsules, cream, and pet tincture.

They don’t have flavoring or additives in their oils. The CBD is sourced from organic hemp grown in Colorado and Washington farms.

CBDPure hemp oil comes in 60ml bottles and three strengths: 300mg, 600mg and 1000mg.

Fast shipping capability
Allows payment using various methods
Third-party testing results available

Pros

Full spectrum formula rich in minor cannabinoids
Unflavored and mixed with hemp seed oil
90-day satisfaction guarantee
Comprehensive third-party testing

Cons

A basic website that lacks detailed info
Low CBD potency

8.) Elixinol

Elixinol’s Sleep Rapid Rest Liposome are microscopic bubbles that carry CBD, making it more efficient to absorb and start working for you. With the pump bottle, you get more CBD out of every serving.

Available in 300mg and 1000mg sizes
Soothing blend of CBD + CBN, Chamomile & Lemon Balm
Liposome tech for super easy absorption

Check Price

Use Discount Code – Senior30

See Elixinol Reviews â

new england hemp farm sleep support drops

9.) New England Hemp Farm

New England Hemp Farm CBN drops promote sleep naturally and healthily. CBN is known to help you feel relaxed, making it easy to sleep, and relieves muscle and joint pain.

33mg per 1 dropper full – 30 droppers full per bottle. Peppermint Flavor
Cannabinol CBN 1000mg
Tincture with CBN

Use Discount Code – Senior25

See New England Hemp Farm Reviews â

10.) Endoca

Endoca is a Danish-founded and one of the oldest and most established CBD companies recognized for rigorous.

Endoca controls every step of its manufacturing process, most CBD companies buy hemp or finished CBD extracts from other manufacturers; however, Endoca grows and extracts its own organic, non-GMO hemp plants in Denmark.

Endoca also tests its plants and extracts with comprehensive third-party testing.

Looking at the lab reports, you can see that there are other minor cannabinoids besides CBD, indicating that these are high-quality plants with an effective extraction process.

Endoca’s oils come in 10 ml bottles containing 300 mg (10 mg/ml, medium potency) or 1500 mg of full-spectrum CBD (150 mg/ml, high potency) and blended with hemp seed oil with no flavoring.

Pros

A full-spectrum formula rich in minor cannabinoids
Grows and extracts their hemp
Third-party and in-house testing

Cons

Strong earthy flavor
Only two potencies

CBD for Sleep & Insomnia: Buyer’s Guide

CBD, short for cannabidiol, is one of over 120 active compounds in the cannabis plant. Many think of the feeling that comes from THC, but CBD doesn’t get you high. CBD has become a very popular health and wellness supplement, with many people taking it for health issues like insomnia or other sleeping problems.

Have you wondered how CBD can help your sleep? What does the research say? When should you take CBD, and in what form?

We will answer these questions to help you get the most from your cannabidiol.

How Can CBD Help with Sleep?

The research suggests that CBD could help with insomnia and other sleep disorders by helping with underlying causes.

These studies have shown that CBD:

It may have antidepressant effects
Has anti-inflammatory and pain-relieving properties.
It may reduce anxiety and help with specific anxiety disorders.

Some of these issues result from bad sleep, which means that CBD could indirectly eliminate insomnia and related problems. A common effect of CBD is sedation and causing sleepiness.

CBD interacts with our endocannabinoid system (ECS), cannabinoids made in your body with suppressing enzymes and special cannabinoid receptors. This system works to help maintain a healthy state of homeostasis, including regulating the sleep-wake cycle.

Also, CBD has been shown to interact with your serotonin receptors, which affects our mood, anxiety, or other processes.

Here’s a summary of the most notable research findings:

In a study of 72 people with anxiety and sleep issues, 67% reported better sleep during the first month of taking CBD.
In a study of 21 people suffering from post-traumatic stress disorder (PTSD), 38% reported better sleep after using CBD.
In a case report of four Parkinson’s disease sufferers, CBD improved REM sleep behavior disorder (RBD), a condition where people act out intense dreams.
CBD oil improved sleep in a case report of a woman with restless leg syndrome, a condition where you have a strong urge to move your legs.

Does CBD Make You Sleepy?

The studies show CBD use with a high dose (300 mg or more per day) of pure CBD has reported side effects like drowsiness and fatigue. However, most people don’t experience these effects since most people use much smaller doses.

CBD Oil Dosage for Sleep

There is no ideal dosage of CBD oil for sleep that will work for anyone, it will depend on your body weight, genetics, your precise issue, and its severity, or any type of CBD product.

This is why it’s best to follow the “start low and go slow” method, where you begin with a small dose of CBD, like 10-15 mg, then wait a few hours to experience the effects.

If you don’t notice a change, you can raise your CBD dose over time until you find your desired effect.

CBD Capsules and Gummies for Sleep

One of my favorite ways to consume CBD is from gummies due to their delicious taste. Capsules and gummies are another way to use CBD and are very easy to use.

CBD and other cannabinoids have low oral absorption because they’ll have to pass through your digestive system before reaching your bloodstream, and most of the CBD is lost along the way.

However, CBD oil – which uses the sublingual method – produces greater effects than capsules and gummies.

They also take longer to start working because of the time it takes for the CBD to get through the digestive tract and the liver. The effects start to work faster if you take capsules or gummies on an empty stomach instead of a large meal.

CBD Vape Juice for Sleep

Another popular alternative to CBD oil is to vape CBD-infused e-liquid; when you vape CBD, its effects kick in faster, great for instant relief; however, it is the shortest length of benefit compared to other products, and there are health risks associated with it.

How to Use CBD for Sleep

After you choose a product, you usually want to take CBD before you go to bed, giving the product some time to work. For example, if you vape CBD, you could use it right before bed, but if you use capsules or gummies, you may need more time for the CBD to start working.

Frequently Asked Questions

Does CBD cure sleepiness nights?

It can help your body relax at night time and enjoy a deeper night’s sleep.

What strength should you use?

You should start with the lowest dosage possible and work your way up.

Why Should You Care About the CBD Products You Buy?

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October 7, 2022

Should You Care About the CBD Products You Buy?

This article was first published on Physicians Cannabinoid Council

Over the past three years, CBD and other cannabinoid products such as CBG, CBN, or other compounds of the hemp plant have flooded the market. From corner stores to large retailers, carrying CBD products has become the new trend. Sales have exploded, and the stigma surrounding the plant is slowly vanishing, hence it has become more and more common for people to discuss openly their self-medication success using CBD products.

When the well-known Dr. Dung Trinh, MD conducts his educational series at senior facilities, he often asks the question: How many of you take CBD products? Only three years ago, ten to fifteen out of one hundred people would raise their hands. Today, nearly all of them answer yes. CBD products are used by consumers to help promote better sleep, as part of a pain management routine, or to help reduce inflammation.

SHOULD WE BE EXCITED?

This new phenomenon is both great and worrisome. It is good in the sense that there are a lot of benefits related to this compound, and for those who understand the endocannabinoid system and its interrelationship with CBD products, it has been shown to often be life-changing or help promote and maintain a more homeostasis state of the body.

On the downside of this trend, many people complain that there is either no immediate effect, or they find it disappointing that only a few doctors understand the benefits related to cannabinoid products, or that physicians are not aware enough to even entertain the conversation with patients.

The problem extends beyond just the lack of understanding of CBD products. It is about, what product should be trusted. If not made by pharma or FDA regulated, or sponsored studies, physicians often shy away from getting their feet wet. Thankfully, some decided to get involved.

CONSUMERS AT RISKS

As with any market without stringent FDA regulations and policing, the marketplace becomes a free for all. It is composed of incredibly efficacious and compliant high-quality products, buried in a mass of low-grade, low-quality, and even fake products. This seriously places consumers at risk, knowing that most consumers buy their CBD products either based on nicely designed labels, a referral from friends and family, simply based on price, or believe claims from marketing promotions.

As mentioned before, today, the CBD (and other cannabinoids) market is flooded with products that are not trustworthy.

Fake products without potency or CBD in it
Tempered Certificates of Analysis (COAs)
Labels not reflecting accurately its content or dosage
Higher THC content than acceptable
Products containing pesticides, mold, heavy metals, etc.

This seriously places consumers at risk, simply because many consumers buy either based on nicely designed labels, referral from a friend or based on price

FACTS DO NOT LIE

At first, consumers were told that a certificate of analysis (COA) is available as proof of the product’s purity and quality. This lab report called COA can be intimidating to read for consumers and furthermore, can occasionally be tempered and modified by unscrupulous parties. A random analysis conducted in 2021 by the FDA found that nearly 64% of products tested had an illegal level of THC or had false information on their labels.

Furthermore, a survey conducted by the Physicians CBD Council in collaboration with the Mace Media Group in 2022 unveiled that 55.1% of consumers felt comfortable to somewhat comfortable reading and understanding what a COA reveals, while only 32.3% of participants were aware that fake or tempered products were a market reality.

One of the most unsettling aspects of what can be found in up to 40% of the products on the market is the dangerous toxic chemicals, mold, pesticides, and harmful heavy metals. A cannabinoid compound may have tested “clean” for its purity but is then mixed with other ingredients such as oil, flavors, colorant, terpenes, and even be impacted by low-quality packaging that can transfer harmful chemicals to the product. It is sometimes difficult, even for the best brands, to be in complete control of the entire supply chain, and very few products are tested at the end of the process, in its retail packaging, ready to be shipped.

43.3% of consumers are either uncomfortable or unable to read and understand a Certificate of Analysis (COA) –
PCC & Mace Media Group Survey 2022

DOCTORS KNOW BEST! OR DO THEY?

Without sounding alarmist, another issue that cannot be ignored is the fact without proper knowledge from physicians of the endocannabinoid system and CBD products in general, consumers are self-medicating. This trend is not unique to cannabinoid products, however, whether or not it contains a cannabinoid compound, self-medicating is a risk when you do not know how it interacts or affects other medications one may take. Let’s set the record straight, we are not, by no means, saying that CBD products have strong side effects, but more so that most medications are filtered through the liver, and the liver can only process a certain amount of nutrients per hour. When and how to administer cannabinoid products become important since you do not want other important medications to not be filtered and processed completely. A person should always consult a physician before self-medicating, but what to do when your physician does not have enough knowledge to help?

The 2022 Physicians CBD Council and Mace Media Group survey showed that 91.2% of consumers wish for their physicians to be more knowledgeable on cannabinoid products and their benefits, with some suggesting that pharmacists would be well positioned to provide help with dosing and education on the topic.

PHYSICIANS ARE STEPPING IN

In 2018, Dr. Dung Trinh, MD considered himself one of the doctors who had a stigma against cannabis-related products. Faced with patients showing up with CBD products and asking him for his opinion, he was shocked to realize that patients may know more than he does on the topic. Equipped with his thirst for facts, Dr. Trinh began researching and reading thousands of studies and facts. This new knowledge changed his mind forever and led him to form the Physicians CBD Council in 2019, with the mission of educating, collaborating, and ensuring consumers’ safety. This is done by educating patients, industry leaders, and doctors on the functions of the endocannabinoid system and the potential health benefits or risks associated with taking cannabinoid-derived products.

The Physicians CBD Council (PCC) now counts about 35-40 highly reputable physicians and nurse practitioners’ medical board of advisors who excel in their primary field of specialty, while choosing to spend time educating their patients and supporting the emerging field of cannabis research for potential therapeutic health benefits.

The Board of advisors includes specialists in the field of family medicine, internal medicine, rheumatology, pain management, endocrinology, psychiatry, nephrology, and more. Although the council started in California, it has since attracted supporters from across the USA, and a few international ones too.

A WELCOME SITUATION

In 2022, the Physicians CBD Council (AKA Physicians Cannabinoid Council) decided to step in further, not to regulate, but instead to evaluate products’ real purity and safety, through thorough testing and factual verifications.

The Physicians believe great products and brands should be identified by a trusted party that will be highly reputable, unbiased, and unshakeable in its integrity, for the safety of consumers and the benefit of the industry in general.

Furthermore, the PCC has teamed up with the company MoreBetter, creator of the Releaf App, to offer product efficacy testing for branded products certified with the Physicians Quality Verified trusted Seal. This opportunity will help the best products on the market have factual data backed by MoreBetter and the PCC.

DO YOU BELIEVE YOUR PRODUCTS ARE CLEAN, SAFE, AND EFFICACIOUS?

The Physicians CBD Council now offers a chance for brands to distinguish their products from the cluster of other lower-grade branded products on the market through a simple but thorough evaluation to receive the Physicians Quality Verified Seal that can be proudly displayed on your products and marketing platforms. The additional option to conduct product efficacy testing is available exclusively to branded products that have passed the seal test/evaluation.

In the survey of consumers conducted by the PCC and Mace Media Group in 2022, a clear 89.5% of people said they would be inclined to buy a product bearing the trusted Physicians Quality Verified Seal of the PCC.

To learn more about the Physicians Cannabinoid Council or to register your interest in the Physicians Quality Verified Seal certification, visit the www.physicianscbdcouncil.com.

Is your Nest Egg at Risk?

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September 22, 2022

Picture this, being able to invest in ways to pursue the highest possible rates of return with guaranteed protection from losing money, as well as no fees.

It’s not a Unicorn! It truly exists and is guaranteed by contracts with highly rated firms. Fiscal Designs has branded these solutions “Peaceful Portfolios” because they offer peace of mind for their investor clients. www.PeacefulPortfolio.com

The “Peaceful Portfolio” is an optimal solution for investors who are:

Unsure of where and how to invest to secure highly competitive rates of return.
Worried about losing money from market losses during uncertain and volatile times.
Tired of paying fees.
Frustrated trying to time investments with the market ups and downs.
Curious about ways to optimize portfolios for legacy planning.

“Before working with Todd and Fiscal Designs, I had no idea that investment products were available that allowed me to invest without the fear of losing money. It sounded too good to be true, but I trusted Todd, his transparency and personal use of the solutions.”
Vince B. (actual client)
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Vince B. was nearing retirement, and the repositioning of his portfolio avoided the significant 2022 market losses; his retirement timeline is still on track. Vince’s story is wonderful, but sadly not like many others at or near retirement.

According to a recent survey taken by Quicken, “About 48% of people who were planning to retire in 2022 are putting their plans on hold or reconsidering them. Another 22% of people planning to retire sometime after 2022 are considering delaying their retirement dates.”

Fiscal Designs is a boutique independent firm that evaluates client goals and objectives and compares various available solutions in the states our clients reside in to present optimal “Protect and Grow” strategies. There are never any advisory or consulting fees, and products do not have fees unless clients wish to incur a nominal fee to “buy up” or enhance rates of return in some products. 100% of client funds are invested, and Fiscal Designs is directly compensated by the investment companies with separate funds.

If you’d like to learn more or see what options are available in your state, feel free to contact Todd Friedman directly at: Todd@FiscalDesigns.com or visit www.PeacefulPortfolio.com

About Todd Friedman – A former Army major equipped with an engineering degree from West Point, Todd is experienced in solving complex problems, has succeeded in diverse industries and has cracked the code on designing and implementing solutions for optimal investment and insurance needs. Before founding Fiscal Designs, Todd served as CEO, VP and other Executive roles in financial services, healthcare, and technology organizations.
Fiscal Designs is a Service-Disabled Veteran Owned Small Business.

Todd is married and resides in Washington state, the greater Tacoma area. When not helping clients, he enjoys boating, golf, wine, and travel.

Recent Research Hints At How CBD Could Prevent COVID Replication

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September 22, 2022

Recent Research Hints At How CBD Could Prevent COVID Replication

A new study was published by a team of scientists at Oregon State University; the research was led by Richard van Breemen of the Global Hemp Innovation Center. He joined with Oregon Health & Science University scientists and discovered that a pair of cannabinoid acids bind to the SARS CoV-2 spike protein, which blocks a step it needs to infect people.

CBDA, and CBGA, both precursors to CBD and CBG, which are abundant in hemp and hemp extracts, could be used to prevent and treat infection from the SARS-CoV-2 virus and the spike protein.

The chemical cannabidiol, commonly known as CBD, isn’t proven to prevent the SARS-CoV-2 from entering cells; it inhibits the virus’s ability to replicate early in the infection cycle.

The only issue is that the popularity of these products infused with hemp-derived CBD and related cannabinoid compounds has skyrocketed along with customer demand and interest. Still, with little regulation, customers don’t know what they’re buying and ingesting.

Some of these products may or not contain CBD, but often, these amounts are inconsistent.

It’s helpful to read and get recommendations from those that can direct you to products with high purity and concentrations of CBD; some studies report combining CBD with equal amounts of THC will reduce CBD’s efficiency.

One product that could address this issue is Freely’s Covid-Away™ Tincture, which comes with 500mg of CBDA, 500mg of CBGA, and Vitamin D and Zinc.

Special Saver Pack – Calm & Relief Extra Strength Tincture

Freely specializes in Adaptive CBD products that contain CBD and other minor cannabinoids, vitamins, and botanicals that work synergistically together for more effective results.

Their ingredient formulations make your body feel better and put your mind at ease through a wide range of products, including soft gels for night-time, everyday tinctures, gummies with elderberry, and cooling relief topical cream.

You can save 25% sitewide by visiting this link and using the code SeniorAffair25

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