Sudu_baduwa photo 1
sudu_baduwa wallpaper

It sounded too good to be true and it was. The scammers calling from Montreal Canada told seniors that for around $300 they could buy a drug discount card that would pay for all their prescriptions and that they would not need a Medicare part D plan. It is hard to say exactly how many seniors were duped and how much they lost says William Hodor a lawyer with the Federal Trade Commission in Chicago who handled the case. But he estimates somewhere around 3600 seniors fell victim to the scam between October 2012 and March 2013. In this case the scammers who were caught and stopped were not after the seniors Medicare numbers they were after their bank accounts Hodor says. Seniors can be easy prey when callers tell them that if they do not sign up or buy something they will lose their Medicare benefits and/or health insurance Hodor says. These scammers were particularly smart he says because they did not come across as salesmen but rather were promoting their scam as what people had to do to continue to receive their benefits. How Medicare scams can affect you Even though open enrollment for 2015 Medicare plans has ended scammers operate throughout the year. Medicare fraud costs the system some $60 billion each year according to the FBI. When a doctor bills Medicare for services never rendered or for more services than he actually delivered the victims are the American taxpayers-and taxpayers have to make up for the loss somehow. And everyone pays higher costs for health care. Individual seniors can become victims as well says Sally Hurme AARP project advisor for education and outreach health and family. You will not face financial liability but you could face problems if your medical records and health insurance records are compromised. Think of it like this: Say someone took your Medicare number and used it to get a power wheelchair. You fall and find you need a wheelchair. Medicare would reject your claim for the wheelchair because according to its records you already have one. You would have to appeal and say That is not me that got the wheelchair Hurme says. And appealing Medicare decisions is a long and complicated process. It could take months if not longer when you need the wheelchair tomorrow. Or say someone took your Medicare number and used it to bill for a bunch of tests and treatments that you never received. Then you apply for long-term care insurance. You could be turned down because your medical records show you have a chronic condition. Never mind that the majority of tests and treatments in your medical records are fraudulent. Try explaining that. Or you could end up with the wrong treatment or not getting the medications you really need Hurme says. You go to get an operation and the information in your medical file is going to show you have type 2 diabetes when you do not or you have allergies that you do not because someone used your Medicare number to get services for these conditions for himself she says. The false information in your file could create all sorts of potential medical catastrophes for you. How to protect your personal Medicare information You need to protect your Medicare card as carefully as you would your credit cards and bank accounts. The most important thing you can do Hurme says is read your Medicare statements carefully. If you have traditional Medicare you will receive quarterly statements from the government. Review them carefully she says. If you see claims for doctor visits that never happened or provider names that you do not recognize call and report the fraud. If you see any medical supplies listed that are not yours report this fraud immediately as well. If you have a Medicare Part D prescription drug plan you likely will receive an explanation of benefits each month. It is important that you check these statements carefully as well Hurme says. Make sure you recognize every entry. Report any suspicious activity immediately. If you sign up at MyMedicare.gov you can check your account online. If you are not comfortable using the Internet ask someone (a child or grandchild, perhaps) to help you. You can report suspected fraud directly to the inspector general at 1-800-HHS-TIPS (1-800-447-8477). During Medicare open enrollment scammers may try to sell you supplemental coverage or discount drug cards that are not for real like those from Canada did Hodor says. His advice: Never give out your personal information without checking on who asking. If anyone calls you requesting personal information do not give it without checking double-checking and rechecking the authenticity of what they are trying to sell you he says. Never give out personal information without doing your due diligence. Plyometrics -- or high-intensity exercises that stretch and then quickly shorten your muscles (think jump squats or plyo push-ups) -- are already known for their quick calorie-blasting body-toning results. The technique was originally designed to develop explosive speed and power in Olympic athletes but the benefits extend out to the average Joe and Jane in both body and mind says Adam Rosante NYC-based trainer and creator of the popular bodyweight interval workout WaveShape. The intensity of firing up your big muscle groups with such speed sends your heart rate through the roof and burns a ton of fat. Plus Rosante explains when your brain is forced to process the mechanical speed required of plyo moves it has the potential to improve overall cognitive function. But there better news yet: There may be an even more efficient way to do this powerhouse type of workout. Plyometrics Exercises: The Power Of Cluster Sets Though many people stick to the standard two or three sets of 10 to 15 reps flipping that format on its head might actually improve your performance according to a new study published in the Journal of Strength and Conditioning Research. Exercisers who did cluster sets -- 10 sets of shorter reps ranging from only two to five -- were able to jump higher and reach greater takeoff velocity during their workout which could result in more explosive power. The sweet spot is sets of three to five reps found Lee E. Brown Ph.D. study coauthor and director of the Center for Sport Performance at California State University in Fullerton. Do fewer than that and you cannot maximize the eccentric (or muscle-lengthening) phase of the movement which will lessen your velocity? Go for more than five and you will get too fatigued to maintain your max jump height. It is important to note that ample rest is also key to helping you reach maximum power and jump height throughout every rep says Brown. Aiming for 30 to 45 seconds between sets allows you to start each set feeling fresh. Want to know what cluster sets feel like? We had Rosante design the following plan a mix of moves to tone your entire body and rev your heart rate in no time. Do 10 sets of three to five reps of each move -- using momentum from the previous rep to drive speed and power -- and rest 30 seconds between sets.