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

Here’s How to Achieve Your Goals Once and For All!

By Jeff Tomaszewski, Chief Life Transformer, MaxStrength Fitness

Do you have unmet goals? If so, you aren’t alone. Most people live with unfulfilled aspirations.

Unfortunately, many widely used self-help techniques fail to deliver results. Case in point: You’ve probably heard of the “Yale Goal Study” where researchers interviewed Yale’s 1953 graduating class, asking whether or not the students had written down specific goals that they wanted to achieve. Then 20 years down the road the researchers looked up each student and discovered that the 3% of the class who had written down their goals had accumulated more personal wealth than the other 97% combined. Very compelling story, but complete fiction.

The “Yale Goal Study” never happened, though motivational speakers and self-help books have quoted it for years. Best-selling author and psychologist, Richard Wiseman, went on a mission to craft a no-nonsense response to the bogus self-help techniques. Using a diverse range of scientific data, he uncovered a proven approach to achieve any goal. The following 5 successful techniques (Do This) and 5 unsuccessful techniques (Not That) are from Wiseman’s book, 59 Seconds Change Your Life in Under a Minute.

1) Do This: Make a Step-by-Step Plan.

If you are serious about achieving your goal, then you need to create a step-by-step plan on how to do it. Successful goal-achievers break down their overall goal into sub-goals. Each sub-goal needs to be concrete, measurable and time-based.

• Not That: Motivate yourself by focusing on someone that you admire. Studies show that focusing on someone you admire is not a strong enough motivator to see you through your goal.

2) Do This: Tell Other People About Your Goal.

How badly do you want to achieve your goal? If you want it bad enough, you’ll tell your friends and family. This technique works on two levels. First, you’ve put yourself on the spot by letting the world in on your goal, so it’s all-eyes-on-you. Failure would be public. Second, your friends and family are there to offer support and encouragement. Don’t underestimate the psychological power of having someone in your corner.

• Not That: Think about the bad things. When you focus on the negative it becomes your reality.

3) Do This: Focus on the Good Things When Achieving Your Goal.

Remind yourself of the benefits associated with achieving your goal. Make a checklist of how life will be better once you have achieved your aim. This gets your focus on a positive future, one that’s worth the effort.

• Not That: Try to suppress unhelpful thoughts. Rather than trying to erase that image of chocolate cake from your mind, learn to deal with the reality of temptation head-on.

4) Do This: Reward Your Progress.

Studies show that attaching rewards to each of your sub-goals encourages success. Your rewards should never conflict with your major goal. When aiming to lose weight, never use food as a reward.

• Not That: Rely on willpower. Willpower alone rarely gets anyone to their goal.

5) Do This: Record Your Progress.

Make your plans, progress, benefits and rewards concrete by expressing them in writing. Use a hand-written journal, your computer or a bulletin board to chart your progress. This process is priceless for maintaining motivation.

• Not That: Just fantasize about life after achieving your goal. Daydreaming is fun, but simply fantasizing about your new life will not make it a reality.

Are you ready to achieve your fitness and weight loss goal once and for all? Request your free initial consultation and demo workout at www.maxstrengthfitness.com now to get started on your spectacular health and fitness transformation. Now is your time to get into the best shape of your life in only 20 minutes 2 X week at MaxStrength Fitness.

What Happens after Total Shoulder Replacement Surgery?

Studying our Patients Progress after Surgery
Dr. Gobezie is passionate about closely following his patients’ outcomes to surgery. Not all surgeons take the time to do this. Before surgery, we ask all our patients to complete a standardized questionnaire about their shoulder. We continue to follow each patient’s improvement at certain time points after surgery. Pairing these standardized surveys with follow-up visits gives our practice a concrete way to measure our patients’ outcomes.

What do our results mean?
The data we have studied from patients we have treated at the Cleveland Shoulder Institute shows above-average patient-reported outcomes in regards to pain and function. Published studies have indicated that the more times a surgeon performs a surgery, the better the patient outcomes. Additionally, high volume surgeons are able to provide value-based care that has better outcomes over cost. Dr. Gobezie is not only a top performing surgeon in Ohio, but also one of the most experienced and efficient in the country. Each year, he performs more than 350 shoulder replacements and more than 400 arthroscopic shoulder procedures.

Physical Therapy
When an injury or illness have left you in pain or with limited mobility, physical therapy can help get you back on track and recover faster. Physical therapy is used to help people of all ages and medical conditions. Physical therapy involves customizing simple movements and exercises for the patient to follow on a regular schedule for a short or extended amount of time. Exercises may be done with a therapist in our office and then at home. The movements are designed to increase range of motion, strengthen muscles, increase flexibility, and reduce pain. Often, an individual’s program will encourage lifestyle changes that will prevent further injury and improve overall health and longevity.

A non-invasive and conservative approach to managing conditions, physical therapy is often one of the first modalities a doctor will prescribe to help patients. The exercises often take minimal effort, but do require a commitment to a training schedule for best results.

The Cleveland Shoulder Institute offers physical therapy services furnished with state-of-the-art equipment. Our therapists are continually training on the latest in injury prevention, optimal function, and sports performance.

Cleveland Shoulder Institute Leads the Way with Innovative Surgery, Patient Satisfaction

One of the Most Experienced Shoulder Doctors in the Country is Right Here in Cleveland.

The Cleveland Shoulder Institute treats patients with all types of shoulder and elbow disorders resulting from traumatic injuries, arthritis, instabilities, rotator cuff, and sports-related injuries. Led by nationally recognized Orthopedic Surgeon, Reuben Gobezie, MD, the Institute provides both surgical and non-operative treatments.

Dr. Gobezie is one of the country’s top specialists in advanced arthroscopic and open surgical techniques to restore damaged joints, ligaments and bones. He is also one of the most experienced and highest volume shoulder surgeons in the country and leads the way in advancing outpatient shoulder procedures. A number of studies have shown that surgical volume, the number of surgeries a surgeon performs each year, is a strong predictor of patient outcome. The more surgeries a doctor and his surgical team perform, the better the results for patients.

Dr. Gobezie is a pioneering shoulder surgeon having developed the first cartilage transplant procedure for the shoulder performed arthroscopically. He has also developed advanced new techniques for treating biceps and tendon injuries in athletes. Along with Dr. Laurent Lafosse, a world leader in arthroscopic shoulder reconstruction, Dr. Gobezie developed a minimally invasive total shoulder replacement in France. In 2015, Dr. Gobezie received the NEER Award, the most prestigious international research award in shoulder surgery. He lectures at many prominent venues nationally and around the world.

In 2010, Dr. Gobezie was elected to American Shoulder and Elbow Surgeons, the most prestigious specialty society in the United States for shoulder and elbow surgeons. He also received the Patients’ Choice Award, given to physicians who have received near perfect scores as voted by patients. Dr. Gobezie is a five-year Patient’s Choice award winner, an honor presented to less than 1% of physicians nationally and the result of online patient ratings of their medical care. Additionally, Dr. Gobezie is consistently ranked on the Top Doctors list by Castle Connolly through peer nomination and extensive screening of doctors across the US.

These Block Your Fitness Results

By Jeff Tomaszewski, Chief Life Transformer, MaxStrength Fitness

There are many complex reasons that make getting healthy and fit a challenge, reasons that go deeper than simply calories-in versus calories-out. I’m talking about the life issues that get in the way of your success. Here are five things that block fitness results, along with the solutions to unlock your optimal health and fitness.

You are crazy busy.
Let’s face it, you work too much, commit yourself to too much, and don’t even get enough sleep most of the time. The fast-paced way you live leaves you exhausted, stressed and hungry for comfort food. You even begin to feel too busy to take care of your health. It’s time to reprioritize. Let go of your perfectionist standards and remove a few commitments from your schedule so that you are able to cook healthy meals, exercise and get a good night’s sleep. Remind yourself that taking care of your health is not a luxury—it’s a necessity.

You don’t want to wait for the good stuff.
Just as you wish to avoid pain, you are also an expert in seeking out pleasure—namely food. This served the cavemen well, but these days it ends up as extra pounds around your waist and thighs. There’s good news: extra calories are not your only option to stimulate the pleasure center of your brain. Find an activity or two that makes you smile and indulge in those regularly.

• A walk
• A good book
• A night out to the movies or theater
• A spa day

You can also retrain your brain to crave the pleasure of exercise-induced endorphins. Talk about weight gain kryptonite!

You don’t want to be bothered.
It’s in your DNA to avoid pain and seek out pleasure. Unfortunately, this works against you when trying to get fit. In your mind, its painful (or at least uncomfortable) to deny yourself the tasty food that you crave and to exert yourself with exercise. There’s a simple way to work around this obstacle: find something painful about being out of shape to motivate yourself towards healthy eating and exercise. Focus on the negative impact your current shape has on your health, self-esteem and lifestyle. Convince yourself that the pain of being out of shape is much greater than the discomfort of getting into shape.

You don’t deserve it.
I don’t agree with it, but you sure act like you don’t deserve to live the good life in the body of your dreams. Take a moment to think back on all the times you have self-sabotaged your health and fitness efforts. If you don’t believe deep down that you are worthy, then you’ll never give yourself a chance at a fit body. I believe that you deserve to have a healthy body and I urge you to dig deep down to uncover why you don’t. Once you conquer your feelings of unworthiness, getting on an exercise and healthy eating plan will be easy. Take the time to take care of yourself. You DO deserve it.

You are afraid.
You’re afraid to start because you just might fail, and wouldn’t that be embarrassing? You’re also afraid to start because you just might succeed, and change makes you uncomfortable, even if it’s change in the right direction. When you decide to get fit you will need to go through a bunch of changes:

• New diet
• New exercise routine
• New friends at the gym
• New clothes
• New self-image

Focus on all of the ways that shaping up will make your life better. Envision that better life everyday so that it goes from being new and scary to familiar and comfortable.

I want to personally help overcome every obstacle standing between you and your ideal body. Request your FREE Initial Consultation and demo workout today at www.maxstrengthfitness.com to get started on a program that will change your life and body forever…in the best way!

 

Salt Can Improve Your Overall Health

Bringing a salt therapy room to Northeast Ohio started with Linda Machalicek’s vision and two years of researching, planning and remodeling a building to create a beautiful salt room located in Dolcé Organic Salon Med Spa & Salt Room. The Dolcé Salt Room is a beautiful tranquil room with 8,000 pounds of pure, white Himalayan Brick Salt. Dry salt therapy, also known as “halotherapy,” is a growing trend across the country. Around 275 dry salt therapy rooms have opened in the U.S. and Canada, up from about a dozen in 2010. (CBSNews.com)

What is Salt therapy/Halotherapy?

“Halos” literally means “salt” in Greek. Halotherapy, better known as salt therapy, is the therapeutic use of natural salt in a simulated microclimate, like a salt room, which simulates the effects of actual salt mines. Salt therapy is specially used to help relieve and support clients with respiratory and skin ailments but provides so much more.

How Does Salt therapy Work?

During a salt session, dry salt aerosol micro-participles are dispersed into the salt room. The salt aerosol is then inhaled and penetrates deep into the lungs, nasal cavities, sinuses and bronchial tubes with normal breathing. Salt is antibacterial, anti-inflammatory and mucolytic by nature. It reacts with the mucus in the respiratory system and helps to loosen the mucus. is environment is also very beneficial to exposed skin. The non-inhaled salt particles fall onto the skin, and with its anti-inflammatory properties, it can help improve circulation to the surface of the skin.

What Type of Clothing Should I Wear?

Comfortable clothing is best. The salt will not harm your clothes, and if you are coming for skin conditions, it is recommended to wear clothing that will expose as much of the area of concern as possible.

For more information contact Dolcé Organic Salon Med Spa & Salt Room.

Fatigue Named Top Health Concern for Women

You are not alone! Worn out and weary, women across the country named fatigue among their top five health concerns. (webmd.com) Dr. Sharma shares several possible causes of fatigue and suggestions to put the spring back into your step.

  1. The thyroid is a butterfly-shaped gland in your neck and produces the hormones that regulate how your body burns fuel for energy. It can be overactive or underactive, but either way you’ll feel sleepy.
    An underactive thyroid can make feel like you can’t get your engine going. With an overactive thyroid your engine’s on overdrive and you start to burn out. A simple test can determine if there is an issue.
  2. When your heart isn’t pumping efficiently, it can’t get enough blood out to your body, and that can make you tired. Fatigue is one of the most common complaints of women with heart disease. If you have heart risk factors such as obesity, high blood pressure, and a family history of heart conditions, have your heart checked out. Measuring your blood pressure and other simple tests such as an electrocardiogram or an echocardiogram can pinpoint whether your heart is the source of your weariness.
  3. There’s been an epidemic of vitamin D deficiency over the last few decades because we’ve been avoiding the sun. Too little of this essential vitamin can sap your bone strength, and some research links a deficiency of vitamin D to chronic fatigue syndrome.

    A blood test can determine whether you’re getting enough of your daily D. If not, a supplement can get you to the amount you need each day. The Institute of Medicine, which published new guidelines in 2010, recommends that most adults get 600 international units a day.

    Dr. Priyanka Sharma specializes in really listening to her patients and she is trained to solve puzzling diagnostic problems. Dr. Sharma is trained and equipped to deal with whatever problem a patient brings, no matter how common or rare or how simple or complex. She is specially trained to solve puzzling diagnostic problems and can handle severe chronic illnesses and situations where several different illnesses may strike at the same time.

If It Doesn’t Hurt…..

By Dr. Scott L. Rose

I am not sure who came up with that saying, but whoever did is probably partly responsible for a lot of pain and misery. The human body is an amazing thing, but one perceived flaw is that when something is wrong it may not always cause pain, illness, or discomfort. I don’t think this is a flaw, but really part of a very well thought out design. If every time something hurts we would just react to that situation, there would be little reason to do otherwise. No pain can be a dangerous illusion.   Understanding this should lead one to be an active participant in their health. We should always be working towards leading a healthier life with the key words of “working towards.” Health is not a destination, it’s an ongoing journey. And one of the best things you can do for yourself is preventative care.

Concerning oral health, there are so many things people CAN do, but unfortunately don’t. Many people think that absence of discomfort is absence of dental issues, until something painful happens. By that time, treatment options become limited, more expensive, and more time consuming. It’s sad, but I see this every day. What I suggest to patients is an Oral Wellness Plan. A plan that sees what is good and builds upon that; a plan that looks for potential problems and stops them from beginning. And a plan that takes existing problems and fixes them before they become larger issues.

Choose a dentist/healthcare provider who is willing to work not only on you, but with you; someone who will take a holistic approach and a wholistic approach is an important step in the right direction. I think a good ending to the opening phrase would be:

“If it doesn’t hurt…it’s a good time to make a plan to keep healthy and pain free.”

Simple, Safe, Natural Solution for Sugar & Nicotine Addiction

By Jennifer LaRiccia

Luciana McCartney is no stranger to working hard. The daughter of immigrants from Calabria, Italy, she’s always known the value of a strong work ethic. McCartney, the owner and clinical director of AcuLaser Treatment Centre has built a reputable business from the ground up, working with diverse clients from all over the world. It’s hard not to be surprised upon meeting this 5’1” bundle of energy. As beautiful on the inside as she is on the outside, one quickly senses how dedicated she is to helping others find solutions to their addictions. McCartney, a striking brunette with a smile the size of Montana, grew up in Middleburg Heights, the oldest child of three. She graduated from Ashland University and married her college sweetheart. They are proud parents of two high school aged sons.

Whether it is smoking cessation, weight loss, or reducing stress, McCartney is someone who has the answers to many who struggle with these lifelong issues. For one thing, she is passionate about holistic, alternative and integrative health. “I believe that healing does not come from a pill alone. It comes from within; our energy, our soul, our mental health and the foods we eat.”

So what exactly does her treatment center do? Aculaser Treatment Centre, located in Broadview Heights and an accredited member of the Better Business Bureau with an A+ rating, has successfully assisted hundreds of people to quit smoking, lose weight and manage stress without the use of medication. Laser therapy has developed into the safest, most effective way to surrender addictions of our time. Similar to the principals of acupuncture, an ancient art of healing, it is the application of an FDA approved, cold, low level laser to specific pressure points on the body. is includes the outer parts of the ears as well as the hands and wrist. is can reduce tension, increase circulation, and enable the body to relax more deeply allowing the person the control needed to succeed. The procedure takes place in a calm and comfortable room. It is safe and painless with no side effects. The results are almost immediate.

In simple terms, this process stimulates the natural endorphins which are responsible for our general sense of well-being. Just ask client Sheri Bement. She’s a true believer. “Look,” she says bluntly, “this was a last resort. After forty years of smoking and having close family members with COPD (chronic obstructive pulmonary disease) I knew this was a matter of life and death. My parents had been begging me to quit and get healthy. I simply did not have the strength to do it on my own. I had tried everything and was desperate for a solution. Initially, I kept canceling my appointment out of fear, but she was patient and flexible and worked around my anxiety about making the first step. I just couldn’t wrap my head around the fact that this treatment was non-invasive and painless. When I met Luciana, I immediately felt at ease. She was caring and empathetic, an angel from heaven. After one 45 minute session of lifestyle coaching and the light therapy itself, I was cured. I know it seems hard to believe, but I suddenly had no cravings, not one. I still don’t to this day. AcuLaser made such a difference in my life that I decided to go back and work on other issues. I am a believer in the process and the center so much, that I have sent all my family and friends there for treatment. My only regret is that I didn’t do it sooner,” she says wistfully.

Make an appointment at AcuLaser Treatment Centre today by dialing 440-740-1020. You are only a step away from changing your life.

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.