Foreign direct investment is one of the increasingly vital phenomenon in the global economy. It is one of the key concepts in the economy management in business and entrepreneurship. Ideally, FDI involves an individuals or a company investing in another countries or controlling almost 10% of ownership of a company in the foreign country. In most cases, open companies are involved in the ownership of business in another country in terms of acquiring a certain percentage of its equity. In regard, the investor will have some significant influence on how the enterprise is being managed. Therefore, a strong relationship is established between t investor and the enterprises. A direct investor can be a group of individuals, government, companies, or enterprises.

Click here to learn more about your senior heath care investment:

Due to a large consumer base coupled with the skilled workforce, it makes United States the most attractive destinations for foreign direct investment. There are various ways by which foreign firms or individuals can make investments in the United States including; obtaining new operations, purchasing existing company’s operations and provision of capital to enhance operations in the existing US firms. In essence, foreign investors establishes control or influence towards the management in terms of making decisions on business operations. It is known to be more than just capital investments, it also forms collaborative partnerships between two nations.

Foreign direct investment can also involve merging between two companies in different countries sharing the same vision. The FDI can be categorized into horizontal and vertical. Horizontal is where an individual or company invests in the same type of business in another court. On the other hand, vertical foreign direct investment where the business is different but share some of the business related activities from the direct investor’s side. For example, in 2017 Apple which is a US based company announced to pool$507.1 into the development of research activities in China. As a result, Apple Company will have influence in the research and development activities in China.

The initiation of the FDI has seen the increase in the investment in manufacturing industry not only in United States but across the world. In 2015, more than 70% of the FDI flows were channeled into the US manufacturing sector. In 2016, foreign investors spent approximately $365.7 billion in the acquisition of most of the US based companies. Some of the countries that mostly invest in unites states include; Germany, Canada, France, Netherlands, Switzerland, and Japan making America the largest foreign direct investment in the world.

As security dwindles in the present world, means to live and preparations for the worst are always made forehand. The basic requirements are met somehow but with the growing numbers of death, plans to make yourself more secure are made with the help of Medicare so that you do not have to go through harsh phases of life or at least you do not suffer without treatment. But Medicare does not have the ability to cover all your expenses. Thus to complement Medicare, Medicare supplement plans came into effect. The original Medicare is divided into parts, and the Medicare supplement plans can cover only Part A and Part B of it. It has to be kept in mind that not all Medicare supplement policies or medigap are available in all the states. They may very well vary from one another from state to state. Coinsurance or copayment is the pat that medigap covers for us. The facilities they provide are in addition to your original Medicare and cover most of it.

Benefits provided by Medicare supplement plans

  • Even though blood transfusions do not cost as the hospital gets blood from the blood bank, but sometimes they do charge for the extra amount of blood. This is where medigap comes in the play. Medigap pays mostly for the first three pints of blood after which your original Medicare takes over. Thus, medigap covers up the extra expense.
  • The requirement for skilled nursing facilities might be required in case of extra care and attention. Medigap covers this cost as well and helps you cover mostly the copayments and coinsurance. But this might not apply to medigap Part A and Part B.
  •  Since their services are limited to the USA, it can be a huge hindrance to some people who travel extensively. Thus, a certain number of medigap policies can cover foreign travel for people who have the habit and need to travel extensively. But these are only allowed in case of emergencies. 

Medicare supplement plans are the best for people who have original Medicare and also for those who are prone to frequent doctor visits and even for those who travel a lot. In case of certain casualties or accidents, at least the medigap covers up the problems of immediate costs which might have been a hindrance in the way to get the medical help required. You can get quotes directly at

Generally, your gender, age, your zip code & if you consume tobacco factor into the amount you’ll be paying for the Medicare Supplement plan. The fact is, a few individuals end up paying way more amount as compared to others to benefit from the same coverage. So, you don’t want to depend on the words of your insurance company. Rather, know how everything works so that you get the best price available for your coverage.  Supplemental insurance plans at divided into 10 unique packages starting from letter A through N. Meaning in order to change your benefits, you’ll need to pick a plan with a new letter.

The insurance agencies do charge their own prices for each of these plans. So, it’s important that you  get the quotations from a number of companies to elect the most ideal one. This is where online websites come in handy. They offer estimates on plans from a number of companies in addition to offering personal assistance for comparing each of these plans.  Medicare supplement plans have different prices depending on 3 unique models. So, even if you pick the lowest one, it might not benefit you as you expected since you’ll have less likelihood to swap the plans in case your health declines over time. When a person turns 65, he/she is guaranteed to get the regular rate without any exclusions or increase for current health problems through an open enrollment period. However, the most economical coverage when you reach the age of 65 might not offer the best price 10 years later.

The pricing structure that increases monthly premiums depending on the person’s age is called as Attained Age Rated. It might seem tempting at first since it actually does provide economical rates. However, it can be a big risk on your part since the premium tends to rise not only depending on the inflation rate but also because you grow older day by day.  Another pricing structure is mentioned as Issue Age Rated, however, it is not that common. In this, the pricing is dependent upon the person’s age when he/she applies for the plan and the premium don’t rise simply because the person gets older. Although the rates might rise as a result of inflation. A 3rd pricing structure seems to be quite popular since it isn’t based on your age. Rates can remain unchanged for everybody in a designated location irrespective of their gender, age or even in case they eat tobacco. The premium may start out higher than the previous pricing models though.  It might not be easy to know which pricing structure is applied within your locality. Finding a broker who is ready to assist can definitely help.

There are many around the world those who have heard the term Medicare supplement plans. This article is for people like them who wants to invest in one of the plans and also for those who wants to get to know what these plans are and how it is useful in the day to day life of a person.

To jot it down in a few sentences, these are basic policies which help to fill in the gap between the original Medicare plans. It covers certain costs which and care which the original version does not cover. These mainly include deductibles, coinsurance and copayments.  These are sold by certain private companies.

What all does these Medicare supplement plans cover?

One of the very special and useful offer which is supported or offered by these supplement plans is that, whenever you go to foreign or outside US, you will get all the benefits of Medicare which you originally had when you were in the US. It will cover all the costs which are medically approved. Thus, if you think that buying a Medicare Supplement Plans 2018 is useless then you are totally wrong.

Things you should know about the policies

There are certain things which you should be well aware about Medicare supplement plans. Here are a few of those reminders.

  • To have this, you must initially have a Medicare Part A and Part B.
  • You can apply for these supplement plans once you have the advantage plan, but you need to be sure that you will leave the same before you can use the supplement policies.
  • You need to pay the company monthly premium if you want to use the Medicare supplement plan in addition to what you are paying originally to Medicare for part B.
  • To remove the misconception, mediocre supplement plans covers the cost of only one person and it should be the one who has bought it in his name. Therefore, if your close relative or your spouse is sick, you cannot use you Medicare supplement policies, they need to have their own policies.
  • Make sure that you purchase these supplement pans from a certified company which has the license to sell this product.

Renewable policies

If you happen to have any kind of health problem or long term disease then you should know that these Medicare supplement plans are very much renewable.

These days, the cost of medical, pharmaceutical and insurances are getting extremely costly. When you achieve the age of 65 or more particularly when you are planning to resign at this age, taking care of the expenses for these medical related needs may not be that advantageous. With a specific end goal to address this, the administration is prompting the senior natives to enlist in a Aetna Medicare supplement plans known as Medigap arrangement.  Medicare is a medical program keep running by the government. In the event that you are secured by Medicare, your medical costs of with respect to doctor’s visit, hospital stays, pharmaceuticals and other medical treatment. Be that as it may, before you can profit of this, you should be first fit the capability. On the off chance that you are an American native or if nothing else 5 years living arrangement in the US whose age is 65 or above, you are fit the bill to profit of this kind of insurance. Additionally, more youthful individuals may likewise be qualified for this kind of insurance in the event that one has a qualifying inability, for example, Lou Gehirg’s malady or a changeless kidney disappointment.

This kind of insurance is partitioned into a few sections which have distinctive coverage. Section A which is the Hospital Coverage covers inpatient hospital care, gifted nursing offices, hospice care, some home human services. When you turn 65, you are consequently enlisted in this coverage and you won’t need to pay for this. Part B which is the Medical Coverage helps cover sensible and fundamental medical administrations that are never again secured by Part A. Such administrations incorporate doctor’s administrations, physical and word related advisor administrations, research facility and X-beam administrations, emergency vehicle administrations, outpatient hospital care, home medicinal services, blood and medical supplies, sturdy medical gear and in addition wheelchairs and hospital beds. Part C which is the Medicare Advantage covers Medicare wellbeing upkeep association, favored supplier associations, private expense for benefit plans, Medicare medical bank account plan and Medicare unique needs plans.

To profit this, you need Part A and Part B since this incorporates additional benefits, for example, physician recommended tranquilize coverage and in addition bring down cost of administrations than Parts An and B. Note that despite everything you have to pay your month to month premium and no doubt with additional month to month premium. Besides, you may require referrals and suggestion from doctors and pro to benefit this. Finally Part D which is Prescription Drug Coverage covers mark name and in addition nonexclusive doctor prescribed medications from taking an interest drug stores. Everybody with Medicare can be qualified for this part paying little respect to pay, wellbeing or remedy costs.  Be that as it may, there are a great deal of things you have to consider before profiting Medicare. All things considered, there are a great deal of suppliers out there who offer Medicare. The main thing left to do is to ensure that the insurance organization whom you will buy this has the notoriety and validity. In addition, ensure that the approach will best fit for you.

Turning 65 or going on Medicare out of the blue can be a staggering knowledge in one’s life. Combined with that, most make an endeavor, now and again useless, to comprehend the mind boggling universe of Medicare and Medicare insurance. This article is to fill in as a groundwork of the “parts” of Medicare, of which there are at present four, and what they do.

Section A

Section An is the piece of Medicare that everybody gets from paying into the government disability framework amid their working life (as long as they meet the base work sum prerequisites). The essential thing that it covers as inpatient healing center care, and you will some of the time here it alluded to as the “doctor’s facility” some portion of Medicare. Be that as it may, it does likewise cover talented nursing facility mind, home social insurance and hospice facility mind.

Part B

Medicare Part B is discretionary – a great many people who have boss coverage that works with Medicare coverage don’t really require Part B until or unless their manager coverage closes. Medicare Part B has a month to month premium related with it, that is regularly paid out of one’s government managed savings check.

Part B covers “administrations” fundamentally, and it is here and there called the “specialist’s office” some portion of Medicare. A portion of the essential things that it covers incorporate specialist’s administrations, indicative tests, outpatient administrations and exercise based recuperation and some preventive-type screenings.

Part C

Part C is the segment of Medicare that was made over the most recent 10 years. It is some of the time alluded to as “privatized Medicare”, however is principally known as Medicare Advantage. In Part C, a private back up plan that has an agreement with the administration assumes control administration of the greater part of your Medicare benefits. Your benefits are altogether given through this private safety net provider – you pay premiums specifically to this organization and they pay asserts for your sake.

This is a discretionary piece of Medicare. Regardless you need to pay the Part B premium and you don’t out and out “lose” Part An and Part B, yet Part C provides your benefits set up of An and B. Likewise, you can not have (or needn’t bother with) aarp medicare supplement plan f and Part C – most choose to either have either. Supplements pay AFTER Medicare pays; Medicare Advantage pays INSTEAD of Medicare.

Part D

Part D is the piece of Medicare that you may find out about the most. This is the segment of the Medicare program that spreads prescription drugs. It is offered through privately owned businesses, which must be certified and endorsed by the Centers for Medicare and Medicaid Services on a yearly premise to offer this prescription coverage (Part D).  You pay premiums straightforwardly to the privately owned businesses, albeit most offer the capacity to deduct it consequently from your Social Security check. This is a discretionary piece of Medicare – not every person agrees to accept it when they are first eligible or by any means.

Medicare is a health plan by the government for certain people. People who are above 65, people who come under certain physical disability and people who face any long term disease such as kidney dialysis or transplant can get the benefit from government. They can get it in exchange of minimum monthly or so payment plans. Now you will find different Medicare plans such as Medicare supplement plans insurance and Medicare advantage plan etc. You can buy any of these from licensed insurance companies. To make it easier for you here are the difference of these plans.

  • Original Medicare:

There are many Medicare plans under this health plan and they are often called as plan A to plan N. All though plan E, H, I and J have been banned from the year 2010. The original Medicare plan is the plan A and plan B. Person who comes under original Medicare plan get hospital facility from any hospital that comes under the Medicare system. It also covers doctors under the specific program and get some prescribe drugs benefits. A person can totally opt for only original Medicare only and not include any additional Medicare plans.

  • Medicare supplement:

Medicare supplement plans also known as medigap includes all the ten Medicare plans from plan A to plan N. This is a standardized Medicare plan. That means the plans remains same though the company differs. The private insurance companies from which you buy the plan costs different price for the plan and include some additional benefit with it but the main structure of the plan remain same. Due to the whole coverage of the plan it may costs more but it is actually cost effective for you.

Learn more about Medigap here

  • Medicare advantage:

The Medicare advantage plan that is the plan C is also available at private insurance companies. The original Medicare that is plan A and B also includes here. People from special medical needs can opt for this plan. This plan covers the additional benefits such as prescription drugs, dental and eye care and glasses. Consider that people who are at the end of severe disease such as rental or so don’t able to buy such plan.

  • Tips to choose the best:

You cannot get all the supplement and advantage plan benefit together. You need to choose the best that work for you. When it comes to choose the best Medicare supplement plans there are certain important factors that you must look after. Depending on your needs compare the plans according to the price, services, deductibles, doctors etc.

The health of a living being is always contingent in nature. This means that it falls for a liability in the sense that no one knows what can happen to someone’s health. Even a healthy person can be prone to illness and being sick. During this kind o health damage, the expenses tore borne by the people becomes too high and thus this brings in financial instability and leads to mental breakdown.

But, in recent times, with the inclusion of the Medicare policies of insurance, the people are investing their money hoping to be secured in the future if he or she falls ill any day. But, most of the medical insurance companies provide minimal coverages.

This means that they cover only the major expenses of the treatment while the other minor expenses like the hospital charges, medical bills and others are neglected. This is when the Medicare supplement plans come to play their roles in the lives of the people.

Various kinds of Medicare supplement plans-

There are various parts of a Medicare supplement plan which provides coverage to a lot of minor things which can help the person lead a smooth and relaxing life even after being through huge health decay. It provides for coinsurances for hospital costs, copayment, first 3 pints of blood, care for hospitality, excess charge, emergencies during foreign travel etcetera. Having all such benefits in the Medicare supplement plans, it makes people not to think twice before choosing this kind of an insurance policy for their future.

Why is it worth it?

If you ask whether if taking and purchasing such kind of a policy is worth the investment or not, the answer is pretty darn simple. It is worth every penny that you invest. It’s all about the added benefits which the insurance covers. The Medicare supplement plans ensure stability, security, safety, coverage of all expenses, protection from all damages, it boosts the confidence of the insured about the financial stability.

Advantages of having a Medicare supplement plan

The advantage of Medicare supplement plans is that it provides all the benefits to the insured which a normal Medicare would not provide. This is the reason why this kind of a supplement programme is widely accepted by the people all around the world. Combined with the original medical plan, this combination proves to be more useful in the lives of the people.

Estimate all the various costs to be covered in the upcoming years so that you are sure of the expenses to be covered and invest in the Medicare supplement plans according to your preferences.

3 Things to Think – Then Go For Shopping 2019 Medicare Supplement Plans


There are some important things that you keep in mind when you want to buy any Medigap plans. Top three’s are discussed here.

Ways to enroll for Medicare supplement plans:

There are mainly three ways to buy any Medigap plan.

  • When you turn 65, you are eligible for Medigap plan and can apply in an open enrollment session. It starts on the first day of the month of your age 65.
  • If you miss by chance the open enrolment period, you still have a chance. You can buy the Medigap plan but you have to go through under a medical inquiry.
  • If you still have employer medical insurance coverage then you don’t need to buy Medicare supplement plans. In that scenario when your employer coverage has ended, you will have two months of enrollment. This is known as Medicare supplement guaranteed issue rights.

Ways to set premium in Medigap:

There are three different ways to set premium range.

  • If the premium amount is not dependable on age, is known as a community – rated premium. These premium amounts are based on government selected premium range. They can’t ask for the higher premium.
  • That premium which completely depends on age with a fixed premium amount is known as issued – age-rated premium. The premium is set according to the age you bought the plan. This can increase according to state premium policy.
  • When you are under Age-attained-rated it doesn’t matter what age you buy Medicare supplement plans. An increment of the premium amount is directly proportional to your age.

Ways to find out the best health insurance policy under budget:

It is difficult to choose which policy is best for you and which company shares best offers with you. Here are some tips;

  • Check your needs. Point out your requirements which you want to cover through Medicare supplement plans.
  • Compare all plans according to your needs.
  • Check that the plan you choose is offered by your state or not.
  • Compare all premium amount state wise.
  • Choose the insurance company which has the highest rating in sells and customer’s satisfaction.
  • Sometimes the company offers some special discount, don’t miss that.
  • Have to buy individual plans for you and your spouse.
  • For foreign travel, you must need foreign medical coverage. Some Medicare supplement plans cover 80% of the out-of-pocket cost.

You have to check needs, analyze and compare before purchasing any Medigap plan.


Have you planned anything about how you are going to spend your retirement days? If yes, then you, of course, understand the importance of securing your future with the assistance of a medical insurance plan. However, obtaining the benefits of a medical insurance does not always enable you to cover all of the major and minor expenses. If you are not willing to face such an experience and wish to live a comfortable and stress-free life, think about getting a subsidiary.

Medicare Advantage Plans: your savior

The Medicare plan is a government initiative that aims to provide health care services to people who has aged 65 years. But, expenses like copayments, coinsurance costs, and deductibles do not fall under the coverage of this plan. For the purpose of filling up this gap, the Medicare Advantage Plans have been initiated. People taking the facility of this particular scheme are able to get the coverage for all the expenses that are not provided by the Original Medicare plans. Not only that, but some unique services are also provided by these additional schemes. One of such services is that the policyholders are eligible to enjoy the medical care services while staying in the foreign states as well.

How the Medicare Advantage Plans can be bought?  go to

Any insurance company with the legal authorization of selling medical insurance policies within your state can be contacted for buying these Medicare Advantage Plans. To be eligible for buying such a policy, you are just required to be a holder of the Original Medicare plan (both part A and B). In addition to that, if you are a holder of the Medicare Advantage Plan, you are required to leave the plan before starting to get the benefits of the additional plan. Unlike the other insurance policies, this plan does not have a maturity date. It will continue till you pay the premiums.

Some drawbacks you need to be aware of

Certain terms and conditions are there that you need to understand and remember before buying the Medicare Advantage Plans. If you are a member of the Medicare Medical Savings Account Plan, you will not be allowed to buy the advantage plans. These plans will not be able to help you if you are having the following problems:

  • Continuing medical care services including personal nursing
  • Dental problems
  • Optical problems
  • Auditory problems and so on.

If any of the aforementioned issues are not applicable to your current situation, you can easily buy the advantage policy now. Take the advice of some experts for a better understanding of the entire matter.