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People who have high function brains can get lost in the avalanche of thoughts their brain spews ever second. This leaves little to no room for what other people have to say or are saying at the moment. This, albeit is a rather undesirable quality to have. People like to be heard, it’s considered rude not to. Don’t fret though, you are not completely hopeless. Here are a few tips for all the people out there who have trouble being a good listener.

Be mindful

It is important to be constantly aware of what is happening around you, be it in live conversation or on Chat Messengers. If you are the kind of person who tends to get lost in thought, it would be good for you to do a few mindfulness exercises to help you be more aware of your surroundings. This can be easy on messengers such as NEEO due to their notifications and textbase conversations, it’s harder to do up live. Try to stay in the moment so you know when and who to pay attention to.

Be more involved

Listen to people not just for the sake of it, but to learn new information. Pay attention to what they are saying and pick up as much as you can from what they have to say. Challenge yourself to be more informed about the subject of each conversation. This way you avoid having a conversation for the sake of it and start to be a part of the narrative. This shows people you care about what they have to say which translated into how much they matter to you.

Ask questions

Ask relevant questions. This way you can understand the context of the conversation. Asking people questions allows them to open up to you about their experiences. Inquire about the subject matter and pay attention to what the other person had to say. Being a better listener involves being informed, what better way to do that than to ask?

Wait your turn

Perhaps the biggest mistake people make is making the conversation about themselves. While a conversation is a two-way stream, you have to let the other person finish before you weigh in your opinion. This makes for a healthy conversation where both the parties get equal say. If you dominate the conversation with your opinion, you come off as selfish as and more likely than not, the other party will feel unheard. The best way to assess this is to see the length and number of your text messages as compared to theirs. On the other hand, if you let the other person dominate the conversation and not give enough input, you will come off as aloof and uninterested. The best way is to make it a 50/50 exchange where you both get a say.

Practice

Increase your attention span by doing a comprehensive reading. This will allow you to assess how well you pick up on things during a chat. If you find yourself drifting off after every few lines and having to re-read paragraphs to understand it, you need to work on your attention span. Having a good attention span will allow you to be more attentive in conversations. Having good comprehension skills allows you to understand the context of a narrative and contribute to the conversation.

Be honest

Do not pretend to understand and know things that you don’t. Having mindful conversations means knowing what is being said. If you do not understand what the other person is saying or what they mean, ask them for clarification. Moreover, being honest doesn’t only make you a good listener, but also a credible one. It shows that you have enough respect for someone to be able to put yourself out there for them.

Respond quickly

When having a conversation over Chat Messengers, like Neeo messenger, it’s best to be quick with your replies. Don’t keep people waiting for your response. The faster you respond the more attention you will pay to the conversation. Taking longer to respond could result in the other person losing interest in the conversation.

Being a good listener is an essential skill to have to be taken seriously. Even more so over a medium where you are not addressing someone directly.

Medicare, the federal health insurance program primarily for Americans aged 65 and older, is critical in ensuring seniors access essential healthcare services. However, understanding and planning for the costs associated with Medicare can be complex. To help you navigate this financial aspect of your healthcare journey, here is a comprehensive guide on Medicare cost explained and how to plan for the cost of Medicare.

Understand the Basics of Medicare
Before diving into cost planning, it’s essential to have a clear understanding of the different parts of Medicare:

Medicare Part A (Hospital Insurance): Most beneficiaries receive Part A at no cost because they or their spouse paid Medicare payroll taxes while working. Part A primarily covers inpatient hospital stays, hospice skilled nursing care, and some home health services.

Medicare Part B (Medical Insurance): Part B covers medical services like doctor’s visits, outpatient care, preventive services, and durable medical equipment. Beneficiaries pay a monthly premium for Part B.

Medicare Part C (Medicare Advantage): These are private health plans provided by insurance companies that combine Part A and Part B benefits, often including prescription drug benefits (Part D) and additional benefits like dental or vision care. Costs for Part C plans vary.

Medicare Part D (Prescription Drug Coverage): Part D plans are standalone prescription drug plans that help cover the cost of medications. Beneficiaries pay a monthly premium for Part D coverage.

Determine Your Eligibility and Enrollment Periods
Your eligibility for Medicare typically begins at age 65. However, if you have certain disabilities or health conditions, you may qualify for Medicare at a younger age. It’s essential to be aware of your Initial Enrollment Period (IEP) and the General Enrollment Period (GEP):

IEP: This is a seven-month window that includes the three months before your 65th birthday, your birthday month, and the three months after. During your IEP, you can enroll in Medicare Part A and Part B.

GEP: If you missed your IEP, the General Enrollment Period runs from January 1 to March 31 each year. Enrolling during this period may result in late enrollment penalties.

Special Enrollment Periods (SEPs): Certain life events, such as retiring after age 65 and losing employer coverage, can trigger SEPs, allowing you to enroll in Medicare without penalties.

Budget for Premiums, Deductibles, and Copayments
Understanding the cost structure of Medicare is vital for financial planning:

Premiums: Most beneficiaries do not pay a premium for Part A if they or their spouse paid Medicare taxes while working. The standard Part B premium is set annually and may be higher for higher-income individuals. Part C and Part D premiums vary by plan.

Deductibles: Part A has a deductible for each benefit period, and Part B has an annual deductible. Part C and Part D plans may also have deductibles.

Copayments and Coinsurance: Medicare often requires beneficiaries to pay copayments or coinsurance for services, such as doctor’s visits, hospital stays, and prescription drugs.

Consider Medigap Plans (Medicare Supplement Insurance)
Medigap plans, or Medicare Supplement Insurance can help cover the out-of-pocket costs associated with Original Medicare (Part A and Part B). Private insurance companies offer these plans, and come in different standardized lettered plans, such as Plan F, Plan G, and Plan N. Medigap plans can provide financial predictability by covering expenses like deductibles, copayments, and coinsurance.

Choosing a Medigap plan that aligns with your specific healthcare needs and budget is essential. Remember that Medigap plans do not cover prescription drugs, so you may need to purchase a standalone Part D plan if you require prescription coverage.

Evaluate Medicare Advantage Plans
Medicare Advantage plans (Part C) are an alternative to Original Medicare and often come with their cost structures. While Part C plans may have lower premiums, they can have different deductibles, copayments, and network restrictions.

Before enrolling in a Medicare Advantage plan, thoroughly review its details, including its benefits and the healthcare providers within its network. Understanding these aspects can help you decide whether a Part C plan aligns with your financial and healthcare needs.

Factor in Prescription Drug Costs
Prescription medications are a significant component of many seniors’ healthcare needs. If you require ongoing prescription drugs, it’s crucial to consider the following:

Medicare Part D Plans: If you’re on Original Medicare and need prescription drug coverage, you’ll need to enroll in a standalone Part D plan. These plans have their own premiums, deductibles, and copayments.

Medicare Advantage Plans with Part D: Some Medicare Advantage plans include prescription drug coverage as part of their benefits. Evaluate the plan’s formulary to ensure it covers your specific medications at a reasonable cost.

Prescription Assistance Programs: If you have limited income and resources, you may qualify for Extra Help (Low-Income Subsidy) to lower your Part D drug plan costs.

Anticipate Health Needs and Potential Expenses
Planning for healthcare costs also involves anticipating your health needs and potential medical expenses. This includes considering factors such as chronic conditions, regular doctor’s visits, preventive screenings, and possible hospital stays. An emergency fund or dedicated savings for healthcare can provide peace of mind and financial security.

Stay Informed and Review Your Coverage Annually
Medicare plans and costs can change yearly, so staying informed and reviewing your coverage annually is essential. During the Medicare Open Enrollment Period (October 15 – December 7), you can change your Medicare coverage, including switching plans or adjusting your prescription drug coverage. By staying proactive, you can ensure that your Medicare plan continues to meet your healthcare needs and budget.

Conclusion
Planning for the cost of Medicare is crucial to securing your financial well-being in retirement. Understanding the various parts of Medicare, your eligibility and enrollment periods, and the potential expenses you may incur is essential for effective financial planning. Whether you choose Original Medicare with or without Medigap, a Medicare Advantage plan, or a prescription drug plan, taking a proactive approach to your healthcare costs can help you make informed decisions and ensure you receive the care you need while managing your budget effectively.