Robert had coverage for his Medicare from an advantage plan and through his agent had decided to change to a Medicare supplement. They met near the end of annual enrollment, discussed the plan options, as well as the different companies offerings and completed online applications from both the supplement and an independent prescription drug plan.
The day you turned age 65 used to be the day most people retired. They left the work place behind, started collecting Social Security and enrolled in Medicare. It was a fairly clear-cut process. But transitioning to Medicare is different today. If you are turning 65 in 2018, I recommend you take some time before your birthday to learn about the choices you will be facing. Here are steps to help you get started:
Step 1: Know when to enroll
You can sign up for Medicare at any time during your initial enrollment period or IEP. Your IEP begins three months before your 65th birthday month, includes your birthday month and continues for three months after. Delaying your enrollment may result in penalties so it is important to enrolled on time.
Step 2: Learn what’s covered and what’s not
Original Medicare does not cover 100% of your medical costs. Many people are surprised to learn long-term care, most routine dental and vision care and hearing aids are not covered. Even if Medicare covers a service or item, you generally have to pay your deductible, coinsurance, and copayments. Lean how much you will be responsible for so there are no surprises in store for you.
Step 3: Learn about Prescription Drug Coverage
Original Medicare offers prescription drug coverage (Part D) to everyone with Medicare. Part D is added through a standalone prescription drug plan or as part of a Medicare Advantage plan. Each plan can vary in cost and the drugs it covers.
Step 4: Learn about Other Options
Your other options include Medicare-approved Advantage Plans and Medicare Supplements. There are also plans providing coverage for vision, dental hearing and long term care. These vary in coverage and cost but are intended to take care of a portion of your costs or offer additional benefits not covered by Original Medicare
Step 5: Learn more by attending Getting Started with Medicare
Plan now to join me for a presentation of Getting Started with Medicare, a class where we cover all these topics and you have a chance to get answers to your questions now, before you sign up for Medicare. Getting Started with Medicare classes are only for educational purposes and no plan specific benefits or details are shared
Our next class will take place in conjunction with the Mentor Library on Wednesday, January 24, 2018, from 6 to 8 pm. Call 440-255-8811, ext. 216 for more information on where the class will meet. Visit www.Mutskoinsurance.com/seminars for additional upcoming class dates and times. I look forward to you joining me. You can also contact me at 440-255-5700 or email me at Lmutsko@mutskoinsurance.com.
He had just lost the love of his life, and he came to the Center because he didn’t want to be alone. His feelings and emotions were raw. They went from relief that the suffering was over, to anger and a horrible feeling of emptiness. Twenty-six years together is a long time.
During that time, they had shared everything in life. Good times, and bad. Happy and sad. It has been said that everyone needs a witness to their life and his had died, just this morning.
We talked about the belief that birth and death are opposites, but there is no opposite to life. We talked about life going on, but in a different form that we cannot see. We spoke about the gift that life together had been, and how it is better that the suffering is now over.
If the Euclid City Schools are CLOSED for inclement weather, there will be NO LUNCHES
Most of us have had this experience. Your doctor’s office is closed for the weekend and you are hit with a sudden illness or a painful injury. The conventional choice has been to head for the hospital emergency room and plan on a long wait for treatment.
But, today, there is a shift away from using hospital emergency rooms for non-life threatening emergencies. Hospital costs are skyrocketing and insurers are passing a bigger portion of these costs on to the patients.
There are a growing number of good alternatives to the ER for those times when you need immediate attention. The next time you need non-emergency care, consider one of these. You will likely save both money and time.
Patience and persistence are often required in order to get complex insurance matters resolved. When you have questions or concerns, you can make things a little easier by following these tips.
Open Enrollment for Medicare begins on October 15. You have until December 7 to review your current coverage and compare it to other options to determine if there is a better plan for you.
If you are new to Medicare or thinking about changing to a new Medicare plan, you will want to hear Jim Aust, a member of the Ohio Senior Health Insurance Information Program (OSHIP) give a Medicare presentation. Jim will be at Euclid Public Library on Monday, October 16th at 7 p.m. He is a knowledgeable speaker with years of experience who can help explain this complex topic. In addition Jim will explain how you can get help selecting a new plan. So if you have questions bring them to this meeting.
When you signed up for Medicare, you probably breathed a sigh of relief, thankful that all your health insurance decisions were now settled. But wait. Not so fast. Didn’t anyone tell you about Medicare Open Enrollment?
On July 18, 2017 the Centers for Medicare & Medicaid Services (CMS) awarded Mount St. Joseph Rehab Facility with a Five-Star Quality Rating. This ranking is the federal government’s highest possible quality rating for nursing homes.
Sid received a phone call from his 16 year old grandson, Isac who reported he was under arrest by the local police in his hometown in the state of Missouri. Isac was frantic because he couldn’t reach his parents and the police were threatening to lock him in a cell for possession of illegal drugs found in his car. He requested his grandfather wire the money for his immediate release.
My husband and I recently got divorced. I never worked outside the house and was going to get my Medicare based on his work record. Am I still eligible for Original Medicare?
Editor's note: The following news, sports, and other items were
culled from the pages of a 1966 edition of the Euclid News-Journal-the
city's former weekly newspaper.
APRIL 1966 - The research section of the Illuminating Co. reports
that more multiple-dwelling units were constructed in Euclid in 1965 than in
any other community in Cuyahoga or Lake County. Some 1,114 multiple
units were added in 1965, an increase of 70% over the 1964 figure.
Meanwhile, construction of single-family units dropped from 92 to 76
compared with the prior year.
(As viewed in some comers of the community, the trend seemed
Teachers at Benjamin Franklin School, East 215 and Wilmore Ave.,
approved a switch to "gradeless" report cards. For nearly two years, Ben
Franklin students have been taking home "check marks" instead of A's, B's,
C's, and F's.
"We have eliminated the word 'failure' from our vocabulary," noted
Roland Steinmetz, the school's principal. "We've eliminated competition as
a motivating device - and a lot of good things are happening."
An "expert" on flying saucers - James Lester Black -is the guest
speaker at a meeting of the Flying Saucer Searchers Club at the Northeast
YMCA on East 152nd St.
"I've never met a man from outer space," Black admitted, "but I've
talked to people who say they have. They say [the visitors] look much like
us ... For all we know, there might be one in the audience here tonight."
Black also commented on reports of airplanes being "kidnapped" by
space ships, never to be seen again. And he speculated that the aliens use
some type of force field to maneuver their ships. "There must be forces in
nature which they can control - and which we do not know enough about.
Evidently, they have teleportation and may be able to travel faster than light.
They can think themselves to a distant point."
Holzheimer's IGA Market at 26588 Lake Shore Blvd. advertises
"free delivery" of phone orders of $10 or more. And it offers semi-boneless
ham for 67 cents a pound, fresh lean ground chuck for 59 cents a pound, and
kielbase sausage for 77 cents a pound... Meanwhile, Perkins Pancake House
on Shore Center Dr. offers "honey-dipped" fried chicken dinners for just one
dollar. The dinners include southern corn meal pancakes, coleslaw, bread,
Your equipment and supplies may be covered
If I am denied coverage from Medicare for a service, supply or prescription drug, do I have any rights to appeal their decision? Please explain how to go about this.
Eastbrook Healthcare Center recently completed the first part of an ongoing renovation to upgrade and modernize the skilled nursing facility. With a new owner in 2015 came the mantra – out with the old and in with the new – for the aging facility.
“The upgrades to our short-term rehabilitation unit, such as new state-of-the-art equipment and aesthetically pleasing decor, will make each patient’s stay more comfortable and pleasant,” says Shilo Dewald, administrator, Eastbrook Healthcare Center.
Eastbrook is a skilled nursing facility that provides long- and short-term care for the following needs:
- Rehabilitation – Medical rehabilitation for issues such as wound care, stroke, cardiac, respiratory and physical, occupational and speech therapy.
- Psychological therapy – Those who need supervised care from a routine counselor and/or psychiatrist to become independent community members.
- Dementia/intellectual delay – Patients who require more supervision and stability for their specialized needs.
Dewald adds that “the new look and comfort features incorporated into the renovation will enhance the care we provide for our patients every day.”
One of the biggest misconceptions I hear is that people over age 60 are out of touch with today’s technology. While older adults may not be snap-chatting each other, they are far from being left behind in the tech world. In fact, older adults are figuring out new ways to make the most of tech gadgets and adapting them to their particular needs.
The Euclid Family YMCA's 2nd Annual Senior Health and Wellness Fair will be held on Wednesday, April 26th 10am-1pm. Health screenings provided by Cleveland Clinic Euclid Hospital will include blood glucose checks, cholestrol checks, blood pressure checks, and hearing screenings as well as many other health driven vendors. This is event is open to the public, and we encourage the Euclid community to come and experience the YMCA atmosphere. For more information or to become a vendor please contact our Ami Bray (Active Older Adult Coordinator) at 216-731-7454 or email at firstname.lastname@example.org
Hilltop Village, located at 25900 Euclid Ave, just earned the award for 2017 Best Senior Living, presented by SeniorAdvisor.com. This award is based on ratings of family members who have loved ones living at senior care facilities across the US and Canada, and places Hilltop Village in the top one percent of all facilities. This includes places that offer assisted living, in-home care, independent living, skilled nursing or Alzheimer's care.
I’m on Medicare and a fixed income. I’m having trouble affording my prescription drugs. Do you know of any help that’s available for me?
Wills alone do not provide tax benefits, whereas Revocable Living Trusts do!
Revocable Living Trusts include specific provisions to be implemented when a spouse becomes legally incapacitated, incompetent, or dies, and how estate assets can be managed by a surviving spouse or other Successor Trustee, including important provisions for spouses, children and other loved ones.
A Revocable Living Trust is a contract between one or more individuals, also called maker(s), Trustor(s) or Grantor(s), and the Trustee. The Trustor provides detailed instructions concerning the retention and disposition of all trust assets. These instructions specify how the assets are to be held and distributed during the maker’s lifetime, and during disability or incapacity, as well as upon death. The term "Revocable" means that the Trustor, or maker, has the legal reservation, right, and ability, to amend or revoke the trust as he or she directs. The maker(s) may also be the Trustee(s).
Continued from page…
With so much talk today about Medicare benefits, this is a good time to clear up some common misconceptions about Medicare coverage. Many people are under the impression that once they sign up for Original Medicare, they are ‘home free.’ They think all their future medical cost will be covered.
While the open enrollment window has closed for most people for 2017, there are a number of exceptions. Opportunities to enroll or make changes are available in the following situations:
I received a notice from my Medicare Advantage Plan (HealthSpan) informing me that my plan is being discontinued and that they are automatically enrolling me in a new Medical Mutual Advantage Plan for 2017. I'm looking at the costs. Do I have to go along with this change or do I have other options?
You do not have to accept this automatic change.
HealthSpan policyholders have the right to return to Original Medicare or shop for an Advantage plan that suits their budget and includes their preferred doctors, hospitals and other health care providers.
HealthSpan policyholders who take no action will automatically be enrolled in a Medical Mutual Medicare Advantage HMO plan effective January 1, 2017, and will have to start using the doctors and other providers in this new plan’s network. All policyholders should have received information on their new premiums, co-pays and other costs for the new plan.
If you wish to decline this coverage you have two options:
You can shop and compare other Advantage plans right now, during Medicare’s Open Enrollment period and sign up before December 7, 2016. Coverage for a plan you enroll in during open enrollment will take effect on January 1, 2017 so you will not have any coverage gaps.
Residents of one of the largest senior living complexes in the country now have free, fresh produce delivered to them monthly in a new push at curbing hunger and malnutrition among the elderly.
Q. I’ve been satisfied up to now with my Original Medicare insurance. Don’t Medicare and all the private Medicare Advantage Plans provide about the same coverage? Why should I change to a Medicare Advantage Plan?
Editor’s note: The following news, sports, and other items were culled from the pages of a 1966 edition of the Euclid News-Journal, the city’s former weekly newspaper.
Q. HealthSpan is my current insurance provider. They have informed me they will be automatically enrolling me with another insurance company for 2017. How do I know this is the best plan for me? Do I have to accept this?
I hope you enjoy reading Bob’s Corner each month. I come to you today with a special request. I am asking for a donation to help us continue serving hot lunches at the Senior Center through the end of the year.
I was stopped at a red light today, and I looked over at the car next to me and saw that the lady driving the car was crying. She wasn’t just shedding a tear, she was bawling her eyes out. Maybe a loved one just died, or she got some bad news about test results. Perhaps the most important relationship in her life is disintegrating, or she lost her job. Whatever it was, it was obviously bad – real bad. My heart went out to her.
At this moment in my life everything is good. I am happily married to my best friend, we are healthy, our children are doing well and I have fulfilling work. For whatever reason, her experience of life at that moment was quite different.
We pass hundreds of people each day. We are living our life, and they are living theirs. For the most part we don’t give much thought to things when they are not happening to us. But sometimes, our worlds collide.
Most people take balance for granted, assuming that navigation occurs without effort, thinking or fear. When a child falls, he is able to shake it off and continue moving. When an older adult falls, however, there are often consequences. Sometimes a broken bone might be the result. A broken bone limits mobility, which can lead to a general decline in health. Thousands of older Americans die each year as the result of a broken hip due to a fall. Even if a recovery is made from a broken bone, a resulting decrease in confidence and independence can still occur.
Recently, much discussion has taken place regarding the “Silver Tsunami,” which is associated with our senior population.
Greater Cleveland Volunteers is proud to announce that they will be operating the AARP Foundation Experience Corps literacy training program in the Euclid City School District this school year.
The Encore Campus program at Cuyahoga Community College (Tri-C®) begins a new session of classes Sept. 23 to enrich the minds and lives of those ages 55 and older.
Editor’s note: The following news, sports, and other items were culled from the pages of a 1966 edition of the Euclid News-Journal, the city’s former weekly newspaper.
He said. She said.
Fourth in a series. Note: The following news, sports and other items were excerpted from editions of the 1966 Euclid News-Journal, the city’s former weekly newspaper.
FEB. 24, 1966 -- In response to complaints from neighbors, the Euclid Recreation Commission denies permission for two fund-raising events at Memorial Park – a circus that was to be sponsored by the Euclid Rotary Club and the Euclid Lions Club’s “Free Fair.”
As a result, Rotary Club President Dr. Frank Houser reports the organization is investigating other possible sites for the May 5th Mills Brothers Circus -- complete with clowns, lions, and trapeze acts. And Dr. Russell Baldwin, a long-time Euclid optometrist and past president of the Lions Club, declares: “If we can’t hold the Free Fair, then the Lions Club will ask City Council for an ordinance to abolish carnivals anywhere in Euclid.”
The Euclid Jaycees, apparently now stuck with a $500 “Dunk the Dolly” display that the group purchased for the Free Fair, express concern that the commission’s policy might prevent use of Memorial Park for the annual Fourth of July picnic and fireworks festival. (Only long-time city residents will remember the grand July 4th events that the Jaycees once sponsored and subsidized.)