If you have Alzheimer’s
Medicare Man Answers Your Questions Q. I am happy with my Medicare plan. Do I have to do anything during the Medicare Open Enrollment Period? A. The Medicare Open Enrollment Period is earlier this year, running through December 7, allowing you time to join, switch or drop Medicare Advantage (Part C) or drug plans (Part D). Changes are effective January 1, 2012. Insurance companies can change the deductible, copayments and premiums every year and sometimes a cheaper plan is available. However, if you’re happy with your plan and do nothing, then it will continue in 2012. There are more than 50 drug and Medicare Advantage plans available in Arkansas. Free and unbiased comparison help is available from the Arkansas Insurance Department (AID). Trained counselors can compare available plans but they do not sell insurance. For more information call SHIIP toll free 800-224-6330. Q. Can I switch my Medicare supplement policy (Medigap) during Medicare Open Enrollment? A. Medicare beneficiaries can apply for a Medigap policy at any time. There is no specific annual period for Medigap enrollment. Medigap policies are sold by private insurance companies which require medical underwriting and may deny coverage based on pre-existing conditions (there are limited exceptions). The Arkansas Insurance Department (AID) Senior Health Insurance Information Program (SHIIP) produces a publication called “Bridging the Gaps” which lists all the companies approved to sell Medigap policies in Arkansas and their rates. To download a copy of this comparison guide visit the website www. insurance.arkansas.gov and click the link to SHIIP or email Medicare Man. Submit questions to Medicare Man via email insurance.shiip@ arkansas.gov
MEDIC ARE MAT T ER S
The time is now... Join us in this clinical study, which is investigating a way to slow the progression of Alzheimer’s disease. A research study-BAPI-is now underway to explore a possible investigational drug (bapineuzumab) for Alzheimer’s disease.
You may be able to participate in the BAPI study if you: • Are 50-88 years old • Have a diagnosis of probable Alzheimer’s Disease A medical team, including a physician, will monitor participants throughout the study. Ask your doctor if BAPI Study is right for you.
For more information, please contact Clinical Trials, Inc.
SeaSon’S BeSt event From PARKER New 2012 Cadillac CTS
New 2012 Cadillac SRX
Part B Premium Increase Less Than Expected By Sally Johnson
here’s good news for most Medicare beneficiaries with Part B coverage: The Obama Administration recently announced that 2012 premiums will be lower than earlier projections. Most beneficiaries paid $96.40 per month in 2011 for Medicare Part B. Part B covers doctor’s visits and outpatient services. The premium will increase by only $3.50 per month in 2012, to $99.90 – an increase that is about $7 smaller than expected. The Part B deductible will actually go down by $22, to $140. Even better news is that Social Security recipients will get a 3.6% cost-of-living adjustment (COLA) next year, the first in three years. That increase will more than pay for the small increase in the Medicare Part B premium. Donald Berwick of the Centers for Medicare and Medicaid Services (CMS) said one reason for the smaller premium increase is that, thanks in part to the healthcare reform law’s emphasis on preventive services like check-ups and screenings, the amount of healthcare services used by Medicare beneficiaries is historically low. For more information, visit www.medicare.gov.
w/ $1,577 due at signing Sate, County, City taxes INCLUDED!
w/ $1,977 due at signing State, County, City taxes INCLUDED!
39 mo. smart lease, 10,000 miles per year. CTS MSRP $38,515.00 residual $18,487.20. SRX MSRP $36,410.00 residual $19,661.40. Taxes included are State, County (.50%), City (.50%). County and City may verify per county. Property tax NOT INCLUDED. W.A.C. See dealer for details.
2011 Cadillac Escalades
2011 Cadillac CTS
% for 72
2011 CTS MSRP $37,640.00. 72 mo. 0% APR on new 2011 ESC, EXT, ESV W.A.C. TT&L NOT INCLUDED
1700 N. Shackleford Rd. • Little Rock, AR • 501-224-2400 • Parker-Cadillac.com
novemBER 17, 2011