Do You Have Questions About Medicare?

By Roni Bell

You are NOT alone! I have seen much change so I stay current and informed so I can give you a choice, convenience and counsel is important to me.   Choosing insurance plans can be difficult. I have listed several of the most frequently asked questions below.

WHAT AGE DO I NEED TO BE TO SIGN UP FOR MEDICARE?

  1. Original Medicare is a federal health insurance program administered by the Centers for Medicare and Medicaid Services (CMS) for those who are:
  2. 65 and older
  3. Any age and disabled (after 25 months)
  4. Diagnosed with End Stage Renal Disease (Kidney disease requiring dialysis)
  5. IF I RECEIVE SOCIAL SECURITY, AM I AUTOMATICALLY ENROLLED IN MEDICARE?
  • If you are collecting social security, you will automatically be signed up for Original Medicare and receive your Medicare card in the mail 3 to 4 months before you turn 65.
  • Otherwise, you need to go to www.medicare.gov and formally enroll in Medicare Parts A & B in order to be signed up and get your Medicare Card. You may also call or visit your local Social Security office for help or to sign up for Medicare.
  • If you are covered under your (or your spouse’s) CURRENT employer group health plan, you may delay enrollment into Medicare Part B.

WHAT IS THE DIFFERENCE BETWEEN THE MEDICARE ADVANTAGE PLAN vs. THE MEDICARE SUPPLEMENT PLAN?

  1. Original Medicare never intended to pay 100% of health care costs. You have two options in Medicare if you want additional coverage, either a Medicare Supplement or an Advantage plan.

Medicare Supplement Insurance plans (Medigap) help with the coverage gaps in Original Medicare. (You will need to add a separate prescription drug plan – Part D.) Original Medicare is still the primary payer of claims; you choose an insurance company that helps fill in some/all of the costs that Original Medicare does not cover. (deductible, co-insurance)

With a Medicare Supplement Plan or Medigap, you pay little or NO out of pocket cost when used (for medical). These plans have NO network. They are accepted nationwide by all doctors/hospitals who accept Original Medicare.

Medicare Advantage plan:

You still pay your Part B premium. You choose a plan with a private health insurance company, and they will pay your doctors and hospitals. You will be charged out-of-pocket costs when the plan is used. That means you will pay copays at the doctor, hospital, outpatient surgery, labs, etc.

You will need to be willing to use network providers, as these plans can be HMOs or PPOs. They have a maximum out-of-pocket cost for medical (prescriptions not included). Most Medicare Advantage Plans include prescription drug coverage. They may also offer some added benefits such as vision, dental, hearing, fitness, etc. These plans can have a lower cost or no additional cost to you, in addition to your Part B premium.

HOW DO I SELECT THE BEST PLAN TO FIT OUR NEEDS?

  1. I highly recommend meeting with a licensed insurance agent. HealthMarkets and my team are here to help, and there is no charge or fee to meet with an agent. You will pay the same rate that you would if you trudge through it on your own.   There are many things to take into consideration in choosing the most appropriate plan for you. There is no BEST plan in Medicare; it is really determining the plan that fits with your lifestyle, your medications, and your individual situation.

I do like to make sure that clients know that they are eligible to purchase a Medicare supplement with no health questions asked, in your guarantee issue period. (This is 6 months beginning with turning 65 or enrolling in Part B, whichever is later.) There are some other special circumstances, typically 63 days after loss of coverage.   After your guaranteed enrolment period ends, you will be asked medical questions to determine if you are eligible for a Medicare Supplement. They can either decline or charge a higher rate based on health.

Please reach out if you have questions. We will work to find the plan that best fits you and your family. ~Roni

Summertime Reading

By Mary Olson, Readers’ Advisory Librarian, Medina County District Library

Summer is in full bloom and so is an abundance of new books! Visit your favorite Medina County District Library branch to check out something new to read on vacation. Or, easier yet, download an eBook or eAudiobook onto your mobile device for zero-weight reading!

The Perfect Mother by Aimee Molloy. What was to be a well-deserved night out for a group of new mothers becomes a nightmare when one of their babies is abducted from his crib. As the investigation reaches one dead end after another, the mothers’ friendships are tested in ways none of them saw coming. The Perfect Mother will be adapted for the big screen by actress Kerry Washington.

What Should Be Wild by Julia Fine. A modern, dark fairy tale with an old-fashioned feel. Maisie was born cursed: she can kill other people just by touching them. For her own protection, Maisie’s father has raised her in near isolation for all sixteen years of her life. He has taught her to avoid going into the woods, because strange things happen to those who do. When her father disappears, Maisie has no choice but to search for him in the woods, where she encounters a most unexpected world and revelations about her curse and those it has touched before her.

The Queen of Hearts by Kimmery Martin. A debut novel rich in drama, romance, and suspense. Emma and Zadie, physicians and each other’s most loyal friend, are forced to confront a secret from their past when a tragedy threatens to destroy not only Emma’s career, but her friendship with Zadie. The author is a former emergency room doctor whose knowledge of the medical profession adds great depth to the characters and setting.

The Cactus by Sarah Haywood. Sarah Green lives a perfectly ordered life: a career managing numbers; an uncomplicated, convenient relationship; a monochromatic, practical wardrobe; and regular visits with her aging mother. But when her mother passes away, leaving the family home to Sarah’s ne’er-do-well younger brother, and Sarah herself approaches another major life event, her delightfully regimented routine begins to crack open. For readers who enjoyed The Rosie Project or Eleanor Oliphant Is Completely Fine.

Navigate The Many Options of Medicare

Medicare is a health insurance program that is federally facilitated for people age of 65 or older and certain younger people with disabilities or End-Stage Renal Disease. It can be used as sole health insurance coverage or as a backup coverage to an existing insurance plan. There are four different parts of Medicare called Part A, B, C, and D.

Part A is used to help pay hospital bills. There is typically no premium for Part A coverage if you or your spouse (depending on your marital status and length of time in the marriage) paid Medicare taxes for a certain amount of time.

Part B is used to help pay for doctor visits and other medically necessary services, including many preventative services, partial hospitalization, durable medical equipment, ambulance services, and more.

Part C, AKA Medicare Advantage, covers doctor and hospital visits and most cover prescription drugs. It includes all the benefits of A and B, except for hospice care (covered by Original Medicare).

Part D is a private plan that helps people who have Part A and B pay for their prescription drugs.

Medicare supplement insurance can be used to help pay for any expenses that Original Medicare doesn’t cover, such as deductibles, copays, and coinsurances. ere are 10 standard supplement plans, but the most popular one is Medicare Plan F because it provides the most coverage.

With so many options available, enlisting a professional can be incredibly beneficial. Roni Bell HealthMarkets Agency in Brunswick, Ohio, specializes in helping people navigate the many options of Medicare!

HealthMarkets Insurance Agency, Inc. is licensed as an insurance agency in all 50 states and the District of Columbia. Not all agents are licensed to sell all products. Service and product availability varies by state. No cost or obligation to enroll. Medicare has neither reviewed nor endorsed this information. This information is not a complete description of benefits.

Women’s March- Cleveland 2018

march 1
Thousands of people rallied at Cleveland Public Square Saturday to promote women’s rights and a host of political and social causes. Many also demonstrated against President Donald Trump, who was the target of many signs and effigies.
Dubbed the Women’s March Northeast Ohio, the event featured speeches by activists and politicians, including Democrat Betty Sutton, who is gubernatorial candidate Richard Cordray’s running mate. The rally was followed by a march from Public Square to Cleveland City Hall and back. The march temporarily tied up traffic near the Cleveland Convention Center, which was hosting Tribe Fest and the Cleveland Tattoo Arts Expo.
Millions of women marched in cities across the country one year ago to protest President Trump’s inauguration. An estimated 15,000 people participated in last year’s march at Public Square. This year, millions of people again turned out around the country but fewer people participated in Cleveland’s event than they did last year, according to an early estimate by Cleveland police.
march 2
 Source: Mark Naymik, Cleveland.com

To learn more about The Women’s March visit www.womensmarch.com.

New Women’s Health Episode of Without a Scalpel Documentary Series Released On Demand!

Looking for something new to watch On Demand? Well look no further… The Interventional Initiative (Oakland, CA) and Evolve Media Production (San Francisco, CA, and New York, NY) announce distribution of Episode 3: HYSTERical of Without a Scalpel on Amazon Video On Demand.

The Documentary series, Without a Scalpel is a fascinating glimpse inside the dramatic journeys of regular people transformed by crisis, but saved by specialized doctors performing incredible, cutting-edge procedures deep inside the body, without a scalpel.

Episode 3:  HYSTERical takes place in Chicago, IL where three young women who have never even met have a common story and one that more than 7.5 million women in the US unknowingly share. Each woman has a unique story about how this condition is destroying her quality of life and challenging her trust in the healthcare system, doctors and insurance companies… until they meet a very dedicated doctor who has the skills to treat what no one else could. It seems they have finally found an answer until another obstacle arises.

The first documentary series of its kind, Without a Scalpel offers an inside glimpse into a fascinating and innovative field of medicine where major diseases are tackled through a pinhole in the skin. This must see series follows the dramatic journeys of regular people whose lives are transformed by illness but restored by specialized doctors performing incredible, cutting-edge procedures… without a scalpel.

Without a Scalpel also provides a rare look inside the lives of these dedicated doctors who specialize in a field called Interventional Radiology.  Armed with x-ray vision and their sophisticated tools and fueled by an intense passion to help their patients, these doctors offer powerful alternatives to conventional treatments like surgery. Their minimally invasive techniques allow their patients to return to their lives sooner with simply a Band-Aid®. These cutting-edge treatments, called minimally invasive, image-guided procedures (MIIPs), can treat a wide range of diseases including cancer, stroke, aneurysms, infections, infertility, fibroids, and bleeding.  But, what if you or a family member were ill but did not know about these treatment options? In fact, most people have never heard of MIIPs, even if one could save their life.

For more information on the documentary Without a Scalpel check out their website www.withoutascalpel.com.

Screen Shot 2018-01-21 at 6.35.58 PM
SOURCE The Interventional Initiative

Recover with Regenerative Medicine at Southwest General

Regenerative Medicine at Southwest General can help to enhance the body’s
natural healing process and eliminate the need for surgery.

This sponsored post about regenerative medicine is brought to you by Southwest General Health Center.

The human body is remarkable for its ability to heal itself. However, it’s not perfect—and healing can sometimes take a long time. When it comes to tissue repair, regenerative medicine is a new option that enhances the body’s natural healing process and can eliminate the need for surgery.

wolkoff“Regenerative medicine is a way to get back to normal function and to feel better without going through surgery,” explains Aaron Wolkoff, DO, a board-certified primary care sports medicine physician on the Medical Staff at Southwest General. “The ‘regenerative’ part means it helps the patient’s body to stimulate healing and heal itself with healthy tissue.”

Regenerative medicine works by injecting medicine, sometimes made of the patient’s own cells, into damaged areas to stimulate cell growth to rebuild tissue that has been damaged by injury or conditions such as arthritis.

Compared to anti-inflammatory medicines, which only relieve pain temporarily, regenerative
medicine actually helps to repair and strengthen injured and painful joints and connective tissue, such as tendons and ligaments. In general, regenerative medicine is less invasive and involves less risk than surgery and is successful for many patients.

“There are a lot of things regenerative medicine can be used for,” says Dr. Wolkoff. “It’s really talked about a lot in the sports world, as it can heal partially torn tendons and muscles and work on healing tendonitis, as well.”

“It’s a great option for non-athletes as well. Arthritis can be greatly improved with regenerative
medicine, too.”

To learn more about the Sports Medicine Program at Southwest General as well as regenerative medicine, call 440-816- 5050, or visit http://swgoh.org/Regenerative-Medicine.

Types of Regenerative Medicine. http://swgoh.org/Regenerative-Medicine

SWGeneral-Infographic

Screen Shot 2017-12-05 at 2.18.00 PM

Safety is Key at Dominion Energy Ohio

Dominion Energy Ohio takes the safety of our customers and the communities we serve very seriously. The company has a few safety reminders:

With the winter heating season approaching, Dominion Energy recommends a professional heating system and gas appliance inspection each year for early detection of leaks, corrosion or other issues, that can lead to hazardous conditions in the home or office. A malfunctioning or poorly vented appliance can generate carbon monoxide, or CO, which is a colorless, odorless gas. Be safe by installing a battery-powered carbon monoxide detector in the hallway of your home near sleeping areas. While a CO detector is no substitute for annual inspections of heating systems, the alarm can alert you to the presence of CO.

If you ever smell natural gas in your home, here’s what you do:
• DO leave the premises immediately.
• DO call our emergency number 1-877-542-2630, from a safe distance.
• DO meet our truck so you can let our representative in to investigate.
• DO NOT remain in the building or attempt to investigate.
• DO NOT turn on or off any appliances, lights, phones, garage door openers, etc.
• Do NOT smoke, use lighters or matches, or operate vehicles, elevators or power equipment.

If none of your gas appliances are working properly, it could mean your natural gas service has been interrupted. Call us at 1-877-542-2630. The company is also reminding customers to call before you dig. State law mandates a call to 8-1-1 for every digging project, no matter how big or small. Installing a mailbox, putting in a fence, building a deck, or planting a tree, are all examples of digging projects that require a call to 8-1-1 before starting. Property owners and contractors should call 8-1-1 – to have underground utility lines marked – at least two business days, but no more than 10 business days, prior to any digging project. Making the call to 8-1-1 connects the general public and contractors to the Ohio Utilities Protection Service (OUPS), the local one-call center, which notifies the appropriate utility companies of their intent to dig. This service is free of charge. Visit www.call811.com or www.oups.org for more information about 811, and the call-before-you-dig process.

Finally, when you see Dominion Energy Ohio representatives working in your neighborhood, they always carry a photo identification badge with the company logo on it. If you have doubts about whether someone who claims to be a company representative actually works for us, please ask to see his or her badge. Likewise, if you get a telephone call, an email or other communication from someone who claims to be from Dominion Energy Ohio, and who asks for your account number or any other personal information, do not give it to him or her. We do not call customers, send email messages or come to their homes to get information about their accounts. Rest assured that Dominion Energy Ohio keeps your personal, financial and other information confidential.

For more information, visit www.DominionEnergy.com.

Screen Shot 2017-10-22 at 3.52.42 PM

New Grief Recovery Book, “What I Wish I’d Known,” Helps Readers Overcome Their Grief

Screen Shot 2017-10-15 at 8.01.11 PMWhat I Wish I’d Known: Finding Your Way Through the Tunnel of Grief by Kristi Hugstad, helps people who are experiencing grief to find joy and peace. It was written primarily to help adults who have experienced a tragic event, such as the loss of a loved one, to properly deal with their grief and find a way to move forward in their lives.

In What I Wish I’d Known, Hugstad shares her own personal experiences with grief and explains how she overcame those difficult times in her life. After her husband’s sudden suicide, Kristi Hugstad had to not only deal with her grief in a healthy way, but also find a way to move on and live a happy life once again. She knows firsthand the emotional turmoil that a tragic life event can bring, and desires to help others who are currently experiencing the same thing that she has.

In What I Wish I’d Known, Hugstad also discusses the healthy solutions she has found for dealing with tragic situations. She hopes to inspire others to change their negative way of thinking and experience a permanent restoration of peace. What I Wish I’d Known encourages readers who are going through tragic or life-changing events that this is not the end for them- there is a way out of the “tunnel of grief” and hope for them on the other side.

If you would like more information about this topic, or to schedule an interview with Kristi Hugstad, please call Nickcole Watkins at 516.900.5674.

About the Author:
After her own husband’s suicide, Kristi Hugstad gained a strong desire to help people who are suffering with grief. This led her to become a certified Grief Recovery Specialist, and her work has helped countless people through the most difficult times in their lives. Through her work, she hopes to help people who have experienced tragic events to gain a new perspective and renew their lives.
Hugstad is now a speaker and author that shares her personal experience and professional expertise in grief recovery in many ways. Aside from writing books, she also writes blogs for the Huffington Post, and is the host of a radio show and podcast called The Grief Girl. She now lives in Dana Point, California.
SOURCE Morgan James Publishing

October is Breast Cancer Awareness Month

161013-F-TY689-001October is Breast Cancer Awareness Month, and to help Americans learn more about this costly disease, the personal-finance website WalletHub today released its 2017 Breast Cancer Facts report, which includes an engaging infographic as well as a Q&A with a panel of leading healthcare experts.

Here are some examples of what you’ll find in WalletHub’s report:

  • $19,000+ – Increase in annual health care costs for a woman (age 18 to 44) with breast cancer.
  • $20.5 Bil. – Projected U.S. spending on breast cancer treatment in 2020.
  • Every 2 Min. – The rate at which a woman in the U.S. is diagnosed with breast cancer.
  • $100+ Mil. – Annual amount invested in breast cancer research by the American Cancer Society and the Breast Cancer Research Foundation.
  • “Screening reduces the risk of dying from breast cancer because it allows detection of cancers when they are smaller (not yet felt as a lump) and more curable. … The best way to promote screening is to increase awareness as well as make screening logistically easy and cheap/free.” – Dr. Lajos Pusztai, MD // Director of Breast Cancer Translational Research, Yale Cancer Center
  • “There is pretty good evidence that increasing physical activity and having a lower body mass index (BMI) are associated with a lower risk of breast cancer. The clearest evidence for dietary risk factors shows that decreasing alcohol consumption is important for breast cancer risk reduction.” – Dr. Jonathan B. Strauss, MD, MBA // Associate Professor of Radiation Oncology, Northwestern University Feinberg School of Medicine

For the complete report, please visit:
http://wallethub.com/blog/breast-cancer-facts/39700/

Source:
Diana Popa
WalletHub Communications Manager
(202) 684-6386

Higher Learning That Meets You Where You Are and Takes You Where You Want To Go

The Cuyahoga Community College (Tri-C®) Brunswick University Center (BUC) offers a affordable higher education that makes a big impact on its students and the community. Students can complete associate degrees with day and evening classes. Program offerings also include college coursework for high school students through College Credit Plus.

BUC also offers programming for seniors. Encore Campus Fridays for Medina County residents ages 55 and older runs Sept. 22 through Nov. 3. Classes are scheduled Fridays from 9 a.m. to noon. There are a dozen courses, including Healthy Aging, Women in Russian History and Clear Your Clutter with Feng Shui. Registration opens in early August and can be completed online at www.tri-c.edu/encore or by calling 216-987-3075 and selecting Option 1.

New at BUC this fall are workforce training courses through Tri-C’s Manufacturing Technology Center of Excellence, as well as a dozen new career and professional development offerings ranging from soft skills to high-level technical training.

The Right Skills Now machining program will work directly with businesses to meet their needs for computer numerical control (CNC) machinists. e College is also collaborating with the Medina County Economic Development Corporation on a machining apprenticeship program that offers students complete credit classes at BUC followed by an apprenticeship with a Medina County employer.

Partnerships with Franklin University and Tiffin University allow students to move seamlessly from their associate degrees into four-year university coursework while staying close to home. Students can complete bachelor’s degrees in accounting, business and criminal justice on-site at BUC. Representatives from both universities maintain office hours at the center to meet with current and prospective students.

“For the past six years, we have given job seekers an affordable, convenient way to continue their education and make career changes,” said Terri Hradek, director of Brunswick University Center. “We see people restart careers, redefine their purpose and embark on new educational journeys every day.”

Hradek and her team ensure student success at BUC through a full array of support services available on-site, including admissions, testing and enrollment services; counseling; financial aid and scholarships; career services; tutoring; College Credit Plus advising; and veteran services.

Screen Shot 2017-09-19 at 2.00.13 PM