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Myth Busters: 4 Lies Seniors Shouldn’t Believe About Obamacare

Myth Busters: 4 Lies Seniors Shouldn’t Believe About Obamacare

Let’s face it: Many people and pundits have an opinion about Obamacare, but most don’t seem to have a clue about the intricacies of the Affordable Care Act. While most citizens should do their own research instead of listen to the media outlets force their agenda on them, seniors don’t necessarily have the convenience of doing so since many still don’t know how to use modern technology like computers to find their own information.

With so many myths and rumors swirling around the issue, it’s important to trust a reliable source and make sure that you’re properly informed. Here are four lies seniors shouldn’t believe about Obamacare, regardless of who tells them.

Myth: Obamacare Will Increase Insurance Premiums

The most believed myth among Americans is that Obamacare means increased and unaffordable insurance premiums. Since many seniors are scraping by on social security benefits, an increase in their premium could literally mean the difference between living underneath a roof and being thrown out on the street. Fortunately for them, this myth isn’t true.

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The truth is insurance premiums have increased faster than the growth of income rates for more than 10 years. With more rules and regulations meant to reduce the growth in insurance premium rates today, like the rate review that keeps insurance companies from unjustly hiking their premiums, Obamacare is actually doing more to stop insurance companies from misusing their powers than other bills have before.

Although insurance companies have increased insurance rates in some cases to respond to your new healthcare protections, protections, and rights, Obamacare has countered this move by creating a Health Insurance Exchange Pool (also known as the Health Insurance Marketplace). Low-to-middle income seniors can shop for subsidized and regulated health insurance coverage from competing healthcare providers using their state’s marketplace.

If you make less than about $46,000 annually, then you qualify for cost assistance that’ll drastically reduce your insurance premium costs. For more information, check out the Health Insurance Marketplace.

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Myth: Obamacare Will Implement Death Panels

Although, there was a provision in the original healthcare bill that had to be removed because of rumors of death panels — the provision would’ve paid doctors for offering voluntary counseling to Medicare patients about end-of-life care options and wills. This provision no longer exists, and the rumor about death panels was false to begin with.

Removing this provision actually hurt seniors in an indirect way, though, since your healthcare is in you and your doctor’s hands. Obamacare doesn’t regulate healthcare; it regulates insurance coverage.

Myth: Obamacare Will Hurt Seniors the Most

Contrary to the myth, Obamacare actually reforms Medicare and offers many new rights, benefits, and protections for seniors. Some of the reformations include closing the “donut hole” for prescription medications, reforming Medicare Advantage and offering better health services across the board.

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No matter how many people dispute the claim, many parts of Obamacare address improving Medicare for seniors and expanding it. If you’re still skeptical about it, check out this website that digs a bit deeper to unravel the truth.

Myth: Obamacare Will Cull Seniors

Anyone against Obamacare is willing to do just about anything to turn people against it, even if it means making ludicrous claims that it’s meant to cull seniors. Fortunately, nothing could be further from the truth. Obamacare helps seniors in many ways, focusing on improved care for seniors via reforms in Medicare. This infographic about Obamacare highlights some of the advantages it provides to seniors and illustrates exactly how this new healthcare reform bill will work in the future.

If you’re a senior, watching the news on TV is likely giving you nightmares about how you’re going to get treated in the future. Don’t fret, though, as most of what you’re seeing and hearing is based on propaganda. Although some people might lose out with this healthcare reform, you certainly won’t.

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Are you a senior? What do you like or dislike most about the healthcare reform? How are you dissecting information so that you’re in the know about the new healthcare reform bill?

Leave a comment below and share your opinions on this heated debate.

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Last Updated on January 21, 2020

The Best Way to Create a Vision for the Life You Want

The Best Way to Create a Vision for the Life You Want

Creating a vision for your life might seem like a frivolous, fantastical waste of time, but it’s not: creating a compelling vision of the life you want is actually one of the most effective strategies for achieving the life of your dreams. Perhaps the best way to look at the concept of a life vision is as a compass to help guide you to take the best actions and make the right choices that help propel you toward your best life.

your vision of where or who you want to be is the greatest asset you have

    Why You Need a Vision

    Experts and life success stories support the idea that with a vision in mind, you are more likely to succeed far beyond what you could otherwise achieve without a clear vision. Think of crafting your life vision as mapping a path to your personal and professional dreams. Life satisfaction and personal happiness are within reach. The harsh reality is that if you don’t develop your own vision, you’ll allow other people and circumstances to direct the course of your life.

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    How to Create Your Life Vision

    Don’t expect a clear and well-defined vision overnight—envisioning your life and determining the course you will follow requires time, and reflection. You need to cultivate vision and perspective, and you also need to apply logic and planning for the practical application of your vision. Your best vision blossoms from your dreams, hopes, and aspirations. It will resonate with your values and ideals, and will generate energy and enthusiasm to help strengthen your commitment to explore the possibilities of your life.

    What Do You Want?

    The question sounds deceptively simple, but it’s often the most difficult to answer. Allowing yourself to explore your deepest desires can be very frightening. You may also not think you have the time to consider something as fanciful as what you want out of life, but it’s important to remind yourself that a life of fulfillment does not usually happen by chance, but by design.

    It’s helpful to ask some thought-provoking questions to help you discover the possibilities of what you want out of life. Consider every aspect of your life, personal and professional, tangible and intangible. Contemplate all the important areas, family and friends, career and success, health and quality of life, spiritual connection and personal growth, and don’t forget about fun and enjoyment.

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    Some tips to guide you:

    • Remember to ask why you want certain things
    • Think about what you want, not on what you don’t want.
    • Give yourself permission to dream.
    • Be creative. Consider ideas that you never thought possible.
    • Focus on your wishes, not what others expect of you.

    Some questions to start your exploration:

    • What really matters to you in life? Not what should matter, what does matter.
    • What would you like to have more of in your life?
    • Set aside money for a moment; what do you want in your career?
    • What are your secret passions and dreams?
    • What would bring more joy and happiness into your life?
    • What do you want your relationships to be like?
    • What qualities would you like to develop?
    • What are your values? What issues do you care about?
    • What are your talents? What’s special about you?
    • What would you most like to accomplish?
    • What would legacy would you like to leave behind?

    It may be helpful to write your thoughts down in a journal or creative vision board if you’re the creative type. Add your own questions, and ask others what they want out of life. Relax and make this exercise fun. You may want to set your answers aside for a while and come back to them later to see if any have changed or if you have anything to add.

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    What Would Your Best Life Look Like?

    Describe your ideal life in detail. Allow yourself to dream and imagine, and create a vivid picture. If you can’t visualize a picture, focus on how your best life would feel. If you find it difficult to envision your life 20 or 30 years from now, start with five years—even a few years into the future will give you a place to start. What you see may surprise you. Set aside preconceived notions. This is your chance to dream and fantasize.

    A few prompts to get you started:

    • What will you have accomplished already?
    • How will you feel about yourself?
    • What kind of people are in your life? How do you feel about them?
    • What does your ideal day look like?
    • Where are you? Where do you live? Think specifics, what city, state, or country, type of community, house or an apartment, style and atmosphere.
    • What would you be doing?
    • Are you with another person, a group of people, or are you by yourself?
    • How are you dressed?
    • What’s your state of mind? Happy or sad? Contented or frustrated?
    • What does your physical body look like? How do you feel about that?
    • Does your best life make you smile and make your heart sing? If it doesn’t, dig deeper, dream bigger.

    It’s important to focus on the result, or at least a way-point in your life. Don’t think about the process for getting there yet—that’s the next stepGive yourself permission to revisit this vision every day, even if only for a few minutes. Keep your vision alive and in the front of your mind.

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    Plan Backwards

    It may sound counter-intuitive to plan backwards rather than forwards, but when you’re planning your life from the end result, it’s often more useful to consider the last step and work your way back to the first. This is actually a valuable and practical strategy for making your vision a reality.

    • What’s the last thing that would’ve had to happen to achieve your best life?
    • What’s the most important choice you would’ve had to make?
    • What would you have needed to learn along the way?
    • What important actions would you have had to take?
    • What beliefs would you have needed to change?
    • What habits or behaviors would you have had to cultivate?
    • What type of support would you have had to enlist?
    • How long will it have taken you to realize your best life?
    • What steps or milestones would you have needed to reach along the way?

    Now it’s time to think about your first step, and the next step after that. Ponder the gap between where you are now and where you want to be in the future. It may seem impossible, but it’s quite achievable if you take it step-by-step.

    It’s important to revisit this vision from time to time. Don’t be surprised if your answers to the questions, your technicolor vision, and the resulting plans change. That can actually be a very good thing; as you change in unforeseeable ways, the best life you envision will change as well. For now, it’s important to use the process, create your vision, and take the first step towards making that vision a reality.

    Featured photo credit: Matt Noble via unsplash.com

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