Source: luxebook.in

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Not every apartment community will let you have a grill, but if they do, how do you pick the right one?

Grilling is a great way to prepare delicious and easy meals for everyone from big groups or just you and your roommate. However, you can only have a grill in your apartment if your lease allows it. So, after checking you have the green light, it’s time to think about what type of grill you want.

There are certain features to consider like size, portability, cost and whether you’ll use propane or charcoal. There are even electric grills if grill safety is a major concern.

Don’t stress over this decision though. These suggestions should get you thinking in the right direction, so you’ll be out grilling up something wonderful in no time.

Propane (gas) grills

Using a propane tank you can easily get at the grocery store, hardware store or even some gas stations, these grills are well-liked because of their ability to apply consistent heat. You can more easily maintain a constant temperature, and the grill will heat evenly.

1. Char-Broil Performance Series 2-Burner Grill

Designed for the busy chef, who doesn’t want a propane tank hanging out on their balcony, this grill comes complete with an underside cabinet for the gas and two metal side shelves. The shelves fold down when you’re not using them, but make a great place to keep grilling tools and that big platter to hold all the food while you’re cooking. Even with its compact size, you’ve got enough space on here to cook up to 16 burgers.

2. Fuego Element F21C

When you need a gas grill with a small footprint, this is your guy. About the width of the propane tank that’s hiding in its cabinet below, this grill gives you a smaller, rotund cooking surface. It may feel smaller than more traditionally styled gas grills, but you can still get enough food for four people on here. And, it looks really cool.

3. Weber Spirit II E-210

This grill is a favorite among many apartment dwellers. Its two burners provide enough surface area to cook a lot of food, and the two collapsable shelves provide extra prep space right beside the grill. With a tool holder and warming rack, it’s a complete package. The base model does not have a propane tank storage cabinet, but if you can pay a little more, you can hide it away underneath.

Charcoal grills

The biggest argument for those who are Team Charcoal, when it comes to grills, is taste. For them, the best grills for apartments, or anywhere, add that smoky flavor to all food prepared on them. It’s also easier to find charcoal grills that are small and compact, perfect for an apartment dweller who’s allowed to have one.

4. Weber Original Kettle Charcoal Grill

When you picture yourself grilling over hot coals, you most likely imagine yourself standing beside a kettle grill. This shape is indicative of some of the best grills for apartments whether you’re cooking on a balcony or up on the roof. It’s easy to move and doesn’t take up a lot of space. With a small drum, it’s also easy to clean.

5. Kamodo Joe Portable Charcoal Grill

Another grill with high portability, this little guy looks like a Big Green Egg, only it’s red. Made with cast iron accents, this grill has nice thick walls that help lock in smoke and keep your food moist while it cooks. Complete with its own stand, you can easily bring this grill out from the corner of your balcony to make it the centerpiece of your al fresco barbecue.

6. Char-Broil TRU-Infrared Kettleman Charcoal Grill

Another kettle grill, but with a hinged lid, this is a bit of an upgrade from the traditional design. The lid stays attached when you pop it open to check in your food. You don’t have to hold it while you flip those burgers or worry about setting it down while it’s hot. The TRU-Infrared technology helps prevents charcoal flare-ups and maintains an even heat.

Electric grills

For those who struggle with having a grill and following the rules on your lease, consider an electric option. You may need to run an extension cord out to your balcony, but there’s no charcoal flame or smoke to worry about and no flammable gas in use. Electric grills are also a healthier way to cook since they don’t produce carcinogens that can get into the food.

Another benefit is the variety of sizes this particular type of grill comes in. You can get a tiny one that sits on your counter or a larger set-up that will look great outdoors. They’re easy to use, heat up fast and often cost less, but the flavor will definitely be different.

7. Char-Broil TRU-Infrared Patio Bistro Electric Grill

Looking like any outdoor grill, with an easy-to-move base and rounded cook space, this fire-engine-red grill simply needs to get plugged into power. With a small footprint, this easy-to-clean electric grill has rust-resistant cooking grates and heating technology that makes for more evenly cooked food. Flipping open the lid, the only way to tell you’re not working with a traditional grill is to look under the grate. There, you’ll see a heating element that looks more like an electric stove burner than anything else.

How to decide which grill is right for you

Assuming you have no restrictions on what type of grill you use, it really all comes down to taste. Each type of grill will produce food with its own flavor. If you want food with a smokier flavor, charcoal has you covered. If you want moist food with deep grill marks, go for propane. Food cooked on gas grills will still have that outside char that only comes from this particular style of cooking.

If you want to cook outside, but it’s okay if what you eat tastes more like it came from the oven or stove, electric works. They’re also great for preparing a grilled meal indoors. You’ll still know you’re eating grilled food, but the fully developed flavor just won’t be there.

If you do have grilling restrictions, make sure you talk to your landlord. Even if you’re within the rules of the lease to use an electric grill, get approval for the type you want. Sometimes, landlords won’t allow electric grills that look too much like a traditional grill, at the risk of confusing other tenants into thinking they can have any kind of grill they want.

It’s grilling time

You’ve done your research and reviewed your lease. There’s nothing left to do but transform your balcony or rooftop into a happening outdoor party, complete with deliciously grilled food. Enjoy!

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Source: rent.com

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If you’ve been to the doctor in the past 20 years (or even), then you probably know how expensive those trips can be. There is nothing that you can do about the rising cost of health care, but there are several ways that you can protect yourself from those massive expenses.

Thanks to Medicare, there are millions of seniors that are getting the health care coverage that they wouldn’t be able to afford otherwise. While it’s a great way to get health care, but it doesn’t cover everything. There are dozens of holes in the coverage that could leave you with a massive bill. Those bills can drain your bank account and turn your retirement daydream into a nightmare.

The two best ways to protect yourself is to purchase supplemental coverage, either through a Medigap plan or a Medicare Advantage policy. Both of them are excellent options for additional protection, but this article is going to focus specifically on Medicare Supplement Plan N.

What is a Medigap Policy?

Medicare Supplement Plans are sold by private insurance companies, and they help fill in the holes that your Medicare Part A and Part B doesn’t pay for. There are ten different policies, all of them are denoted by a letter of the alphabet, A through N. Each of them pays for different expenses or a portion of those expenses. Before you apply for one of these policies, it’s important that you compare all of the Medigap plans to decide which one is going to give you the protection that you need.

All ten plans are standardized by the government, which means that all the plans are going to have identical coverage, regardless of which company that you choose. The only difference between the companies is how much they are going to charge you every month. Some companies have higher premiums, while others are going to be more affordable.

After you purchase one of these plans, you will pay the monthly premiums to the insurance company. With a Medigap plan, you will still have to pay your traditional Part A and Part B premiums. Some people have confusion about who they pay the premiums to, or they assume that a Medigap plan replaces their original Medicare coverage. Even if you have a Medigap plan, you are still responsible for your Medicare payments. Not paying those premiums can lead to some serious fees.

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Medigap Plan N Coverage

As we mentioned, there are ten different policies, and all of them are different. There is no “one plan fits all” that will work well for every applicant. In this article, I’m going to detail the pros and cons of a Plan N, which is one of the popular options for supplemental coverage.

Plan N is one of the larger policies, which means it’s going to cover more of the holes left behind. There are several key coverage categories that you should be aware of if you are going to purchase this option. One of the first things that you should realize is that 100% of your Part B coinsurance fees are paid for, except for a $20 co-payment fee for a doctor’s visit and a $50 fee for emergency room visits. These are relatively small fees, as long as you don’t go to the emergency room a dozen times every year.

One of the key components of a Plan N is that it will pay for skilled nursing facility coinsurance and Part B coinsurance. Both of these coverage groups can save you thousands of dollars every year. If you end up needing any skilled nursing facility assistance, it can quickly become costly, but having the coinsurance coverage can keep more money in your pocket.

Another area that Plan N pays for is the first three pints of blood if you need it. Additionally, it will pay for hospital coinsurance and costs for an additional 365 days after you traditional Medicare coverage ends.

One of the most notable pitfalls of a Plan N is that the policy doesn’t cover any Part B excess charges, which can be a devastating coverage gap. When you go to the doctor or visit the hospital for any treatments or services, there is a pre-approved amount that Part B will pay. Legally, those doctors and hospitals are allowed to charge 15% above that amount. In most cases, those excess charges won’t break your bank, but depending on the procedure or service that you get, it could put a strain on your bank.

Deciding Which Policy is Best for You

When you’re trying to decide which plan is best for you, there are several factors that you will need to consider. Each plan has pros and cons, and getting the best supplemental coverage is one of the best decisions that you can make.

The first factor (and the most important) that you should consider is your finances. The purpose of the Medigap plan is to ensure that your family isn’t drained by medical expenses, but your supplemental coverage shouldn’t stretch your finances too thin either. Before you apply for any coverage, take a long and hard look at your budget and determine how much extra that you can spend. Everyone would love to have a Plan F, which fills in all of the left over expenses, but that coverage comes at an additional cost.

The next factor that you should take a look at is your health. If you’re in poor health and you have several pre-existing conditions, then a Medigap plan that is comprehensive is going to be a better investment. The worse that your health is, the more money that you’re going to spend on medical bills and other health care costs. On the other hand, if you’re in good health with a clean bill of health, then you can consider taking the risk to purchase a small Medigap plan that leaves more holes and saves you money every month.

These are only some of the different factors that you will need to consider. You will need to look at each plan in light of your specific circumstances. Every Medicare enrollee is different, and all of them are going to need a different supplemental plan.

Enrolling in a Medigap Plan

After you’ve decided which Medigap plan is going to work best for you, the next step is to enroll in a supplemental plan. Thankfully, it’s easier than you might think. After you have found the insurance coverage that you’re going to purchase the plan through, all you have to do is contact a Medigap insurance agent. The agent will walk you through the process.

It’s important that you take note of the Medigap open enrollment period. That’s a 6-month timeframe that beings the month that you’re going to turn 65. This 6-month window is one of the most important factors that you should take advantage of when you’re shopping for additional health care protection.

During your open enrollment period, the insurance company can’t decline your application, regardless of how poor your health is or any pre-existing health conditions that you have. Depending on your health, this might be your only chance to get accepted for Medigap protection.

Another advantage of the open enrollment date is that you’ll get the lowest available premiums for your Medigap plan, even if you aren’t in the best health. During the 6-month window, the insurance company can’t raise your premiums, even if you have a severe health problem. After that window is over, then your application is going to be treated like any other application, and they can jack up your rates based on your health. Applying during the open enrollment can save you thousands and thousands of dollars every year.

If you’ve already missed your open enrollment period, don’t worry, there is still a chance of getting affordable coverage. You might be more expensive, but you can’t put a price on the peace of mind that additional health care coverage will bring you.

Want More Coverage?

If a Plan N doesn’t give you all of the additional coverage that you need, then there are other options. If you want to get the most comprehensive coverage, a Plan F is going to be the best choice. Plan F covers every possible gap that is left by original Medicare. If you want to ensure that you have all the coverage possible, then you should consider buying a Plan F policy.

One of the worst things that you can do is not have enough insurance coverage. If you have subpar coverage, you could be responsible for, but having the proper Medigap plan will ensure that it doesn’t happen. The older that you get, the more that you’re going to spend on health care every year, and all of those bills could ruin your retirement savings account.

Questions or Concerns?

I know that shopping for Medicare supplemental coverage can be difficult. There are dozens of confusing terms and options that you will need to navigate. If you have any questions, you can read some of my other articles and hopefully, they will answer those questions. If you need help applying for coverage or need assistance picking a plan, you can contact Medicare directly using their official site (Medicare.gov), or you can call a local Medicare supplemental insurance company.

The best way to get an affordable Medigap plan is to work with an independent insurance agent. Unlike a traditional Medigap agent, independent brokers work with dozens and dozens of Medicare supplemental insurance agencies across the country. These agents can bring a personalized set of quotes directly to you.

Not only will working with an independent insurance broker save you money, but they will also save you time. If you tried to get all of those Medigap quotes by yourself, you could spend hours and hours calling agents. They can connect you with the best companies to meet your supplemental coverage needs. Additionally, they can give you unbiased advice on which policy is going to meet your needs.

You’ve worked for years and years to reach this stage of your life. Retirement is a special time of life when you can kick back and enjoy all of that hard work. Don’t let those increasing medical bills and hospital fees keep you from fulfilling your retirement dreams.

Hopefully, this explanation of Medigap Plan N has given you the information that you need to make an educated decision about your supplemental coverage. If you’ve decided that the broad coverage of Plan N is not the perfect policy, there are nine other options. If you want more information about the other Medigap plans, I’ve also detailed the pros and cons of the other policies as well.

Source: goodfinancialcents.com