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Metro November 2020

Honoring our Veterans Medicare Guide


Holidays with the grandkids!

Heroes of the fires

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OREGON’S OLDEST & LARGEST 50+ PUBLICATION 3 Editions serving adults aged 50 and older Portland-Metro-Vancouver, Marion-Polk-Coast, South Valley: Linn-Benton Lane

JENNIFER MCCAMMON Publisher 971-200-9686 JMcCammon@northwest50plus.com DOREEN HARROLD Office Manager/Sales Assistant DHarrold@northwest50plus.com DEB JONES Sales Executive 503-910-6067 DJones@northwest50plus.com JENNA WEATHERLY Lead Designer JWeatherly@northwest50plus.com VERONICA MICEK Design Assistant CONTRIBUTING WRITERS Christy Doherty, Kristan Dael, Maggi White, Mary Owen, Steve Button PHOTOGRAPHY David & Wendy Meyers Christy Doherty P.O. Box 12008, Salem, OR 97309 4923 Indian School Rd. NE, Salem, OR 97305 503-304-1323 | 1-877-357-2430 | FAX 503304-5394 info@northwest50plus.com Northwest50Plus.com

Creekside Village 

Independent Living for 55+    The right choice for you

Your apartment at Creekside Village is your home, complete with parking. Your apartment at Creekside is your home is safe. When at home, When traveling you can restVillage assured individual home. You have a parking spot for your car. When you travel, you can feel Truly a gem of our community, dining is a pleasure at Creekside Village. day! being as pleasurable as your favorite restaurant! toroom yourevery experience Working ensureDining everyRoom day feels CreeksidetoVillage Services like a holiday, quarterly brunches are really is truly an amenity at this Community. A rotating crew, under the longtime Food Services Director, never misses a beat. Every meal is a pleasure – ask a Take virtual resident a when you visit. tour! Every day feels like a holiday! Our quarterly brunches are www.creekside-village.com particularly special because they include When the day calls for joining in, you’ll love family and other guests. Residents enjoy our vibrant community! When you want some alone time, enjoy and in Creekside’s art studio. Of course the working walking paths in Creekside’s beautiful surroundings. When you want company, drop in on a hopping community card or pool game, visit the library and work in Creekside’s art studio. Here, you make the paths and surroundings. choice. Creekside is known for its love of the arts and it shows. We’refor proud of our resident Creekside is known its resident artist gallery and its love of the arts, music and dancing. recently a and danceCreekside events are a big installed hit with residents! For those who prefer not to drive, If you no longer wish to drive, you can make an appointment for transportation everyone enjoys. our outstanding, friendly drivers. So many choices. So many good reasons to So many Beaverton’s choices, and premiere so many good consider independent reasons to check out Beaverton’s premiere, 55+ community! independent, 55+ senior living community. Please www.creekside-village.com for a We arevisit the right move for you. for assistance.

A Senior Living Community

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Medicare Guide 2021 Inside

The stories are legion. This is Brandon’s



with the grandkids


Neighbors give as good as they get with

Buy Nothing Project


Mental Illness the more we know, the more we can help


Grief no “getting over it.” but you can work through it


Charitable Giving: Avoid being prey for your kindness


Gathering for fitness led to lasting bonds


Human Animal Bond Heroes of the fires



For the

of Pets

Holiday Safety


Look for the helpers

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’ve always loved this story from the beloved Mr. Rogers.

When I was a boy and I would see scary things in the news, my mother would say to me, “Look for the helpers. You will always find people who are helping.” —Fred Rogers


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Boy, did we find the helpers this fall, and we celebrate them all. In preparing our Salute to Veterans, we met the Meyers family, who so generously shared the story of their son Brandon. Our veterans’ stories are legion, and like many, Brandon’s is powerful, poignant and filled with love.

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We met many heroes who responded to the September fires, “driving into a hellish inferno” to save those who could not save themselves. The losses were many, and for that we grieve and extend our heartfelt sympathy. To those who helped in large and small ways, we thank you. As 2020 nears its close, we’re all a little beat up from this year’s events. They kept us a little off balance, nonplussed, and often dismayed. November, the month of advent, is a time for gratitude. Whatever life brings, there is always so much to be thankful for. Here’s to a love-filled Thanksgiving for all and a holiday season where we hold each other close, if only in our hearts.

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www.AllinOneMobility.com NORTHWEST 50 PLUS  METRO | NOVEMBER 2020  5

By Christy Doherty


ast, present and future, our men and women soldiers, sailors and pilots have made the ultimate sacrifice: giving themselves wholly in service for all of us. In observing Veterans Day, we give honor, respect, and gratitude to them all. They have written a blank check to citizens of America, sometimes with staggering consequences. Freedom has never been free, and today’s service men and women are the veterans of tomorrow.

Episode 9, Season 4 of the television show “Garage Squad” tells the story of one American hero who lost his battle with PTSD. In it the squad teams up with David and Wendy Meyers, parents of US Marine Corporal Brandon D. “Bubba” Meyers, to honor him by completing the restoration of his treasured 1968 Chevy Malibu. Brandon bought the Malibu on e-bay while deployed during his first nine-month tour in Iraq. Restoring the car to its former glory was to be a father-son bonding project once he returned from war. After his second tour, this time 19 months in an Iraqi hellstorm, Brandon returned home, but he was different. One night his father David woke Wendy, telling her their son was on the roof. Brandon had told his father he was doing sniper duty. “He never, ever left Iraq,” Wendy says. Diagnosed 70 percent disabled by PTSD, Brandon made it home, but he ended his own life at age 25.

My father came home from World War II with relentless nightmares. He often woke up screaming. Diagnosed as “shell shocked,” he was prescribed sleeping pills and told to get on with his life. He did his best, and never spoke about the horror. I finally learned the details after his death.

“Never take their word that they are okay,” says Brandon’s sister Tiffany Meyers. “This is affecting so many young people.”

He was career military, serving in the Korean and Vietnam Wars. A military bus filled with color guard came to Willamette National Cemetery to honor his passing. His peace of mind, however, was a casualty of war decades earlier.

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However, PTSD — Post Traumatic Stress Disorder — wasn’t recognized then. The term came on scene in the 1970s, largely due to diagnoses of US Vietnam veterans. It was officially recognized by the American Psychiatric Association in 1980. Sadly, today PTSD is linked to rising numbers of veteran suicides. Estimates vary based on sources but range from 22 to 35 every day. One is too many. 6  NORTHWEST 50 PLUS  METRO | NOVEMBER 2020

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“Broadcast journalist Brad Edward of Chicago did a story about Brandon, and PTSD,” Wendy shares. “They won an Emmy for it and gave it to us. When I saw the clip, Brad Edwards said, ‘this is for you Ms. Meyers.’ I cried so hard.” The Emmy is displayed with other treasures honoring the service and memory of their young Marine. He had dreamed of joining up since the age of six. In the display, alongside dog tags and leatherneck badassery is a simple sign: “BE KIND ALWAYS.”

Help is available For all service members, veterans and concerned loved ones, help is available 24/7. A responder will always answer and ask a few questions. He or she will work to help you through any personal crisis, even if it does not involve thoughts of suicide.

His mother says, “I’m not ashamed at all to say my son took his life, because the more people are aware, the more organizations are popping up and the more people are helping our veterans.” Wendy has undertaken fundraising on her own to provide service dogs to veterans with PTSD. “It’s what’s kept me alive,” she says.

Connecting is free, anonymous and confidential, available to all veterans and service member, including members of the National Guard and Reserve, if not registered with VA or enrolled in VA health care. Chat online at veteranscrisisline.net/get-help/chat or call 800273-8255 option 1, TTY 800-799-4889, or text 838255. Her efforts — including a GoFundMe account, speaking engagements and car shows — have raised upward of $55,000 to date. But the impassioned mom isn’t finished yet. A trained PTSD dog can cost $15,000, and she wants to gift them for free. As long as there are veterans, she will probably never stop, she says. The funds she raises go directly to those who train the magnificent service dogs. The healing comes bit by bit, and completing Brandon’s Malibu was a significant milestone. An unexpected blessing: the labor of love brought to light a longheld secret: Brandon had always planned to gift the restored Malibu to his father. Brandon’s parents honor him by driving the beautiful car, their destinations naturally including his place of rest in Elwood IL, at Abraham Lincoln National Cemetery. Wendy smiles, “His dream is alive now.”

A note from Wendy ~ “Please remember the men and women of our military who battle every day. . . in war and in their personal war at home. More die from suicide then the war itself. Please pray for them. See Wendy Meyers’ GoFundMe page at gofundme.com/8zi4z4


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Video Biography • Family Celebrations • Anniversaries • Bar and Bat Mitzvah NORTHWEST 50 PLUS  METRO | NOVEMBER 2020  7

Mental Illness

The more we know, the more we can help By Steve Button


eople who struggle with depression, bipolar disorder, anxiety or one of Suicide deaths often are underreportAs with all things, the better we undermany other mental health issues ed as they may be listed as “accidental” stand mental illness and what might lead know how difficult it is to function deaths. As a school social worker and crisis someone to suicide, the more we will be daily —The whether going to work orAction school,Network Suicide Prevention (SPAN) Idaho, The National Suicide Prevention Hotline is (800) 273team leader, try to comfortSPAN-ID able to recognize, intervene and help. parenting, maintaining a relationship, or a non-profit organization is working hard, alongI have with had to TALK [8255]. Region 2 may be contacted via We parents, siblings, children and friends of must all advocate for better accessibility managing the host of daily activities most others in the mental health field, to bring awareness email at: SPANIDRegion2@outlook.com. to for mental health issues and helpingpeople to destigmatize who have died of suicide. There and support for those who suffer — after all, of us take granted. As with all things, the better we understand mental those who suffer. This is a small step toward really are nohelping words or actions that can ease it may you or your family member who illness and what might leadbe someone to suicide, the people come out of the shadows, realizing that survivors’ grief and pain. will benefit. Manypeople affectedcan by mental illness are unmore we will be able to recognize and intervene suffer from a mental illness as much as aware that they Those who do realize they canare. from a physical illness and that mental illness to assist and help. We must all advocate for better accessibilityare and support for those suffer – afterworker. can be justtreatment. as deadly. holds awareness Suicide prevention organizations Steve Buttonwho is a retired social it often don’t seek ThisSPAN-Idaho is due, it may be you or your family member who will the year and conducts workingMental hard, along withall, others in the He was with the Suicide Prevention Action in large events part, to throughout the stigma associated benefit. Health 1st Aid and QPR gatekeepermental trainings, bringing health field, to raise awareness of Network since 2001 and a QPR instructor with mental illness and society’s mistaken awareness to the signs, symptoms and behaviors has a Master’s Degree in Social Work and has been mental health issues andSteve helpButton destigmatize notion that we should “pull ourselves employed with the Lewistonsince School1990. District for 29 years. He is a QPR of those who just might suffer from mental illness and Gatekeeper Trainer and has served with SPANwhogiven suffer. This isSuicide a smallPrevention step toward suicidal behavior. Trained up by our bootstraps” and get on withgatekeepers life. thoseare Idaho since 2001. He is also the program coordinator for Willow tools to help build hope and provide referrals to those helping people come outCenter of theforshadows, Grieving Children.Support In his free time he enjoys volunteering, scuba diving and traveling. who may be contemplating suicide. One of those realizing that people canswimming, suffer from a menOn average, one person dies by suicide resources is the Idaho Suicide Prevention Helpline tal illness much every 10(208) hours398-HELP in Oregon. [4357]. It is a 24-hour call line andas they can from a physical NAMI, National Alliance on Mental Illness. illness and that mental illness can be just as Helpline – 800-343-6264 is available via text Monday- Friday 3pm – midnight. deadly. More than five times as many people American Psychological Association, apa.org died by suicide in Oregon in 2018 than in Several suicide support and prevention National Suicide Prevention Hotline alcohol-related motor vehicle accidents. organizations are listed below. Contact them 800-273-8255 or dial 911 Total deaths by suicide reflect a total of for resources, events and programs in your Oregon Suicide Prevention Resource Center 16,408 years of potential life lost before area. Sprc.org age 65.

Common Signs

Common Signs Of Depression OF DEPRESSION: Feelings of helplessness and hopelessness. A bleak outlook— nothing will ever get better and there’s nothing you can do to improve your situation.

Loss of interest in daily activities. You don’t care anymore about former hobbies, pastimes, social activities, or sex. You’ve lost your ability to feel joy and pleasure.

Appetite or weight changes. Significant weight loss or weight gain—a change of more than 5% of body weight in a month.

Sleep changes. Either insomnia, especially waking in the early hours of the morning, or oversleeping.

Anger or irritability. Feeling agitated, restless, or even violent. Your tolerance level is low, your temper short, and everything and everyone gets on your nerves.

Loss of energy. Feeling fatigued, sluggish, and physically drained. Your whole body may feel heavy, and even small tasks are exhausting or take longer to complete.

Self-loathing. Strong feelings of worthlessness or guilt. You harshly criticize yourself for perceived faults and mistakes.

Reckless behavior. You engage in escapist behavior such as substance abuse, compulsive gambling, reckless driving, or dangerous sports.

Concentration problems. Trouble focusing, making decisions, or remembering things.

Unexplained aches and pains. An increase in physical complaints such as headaches, back pain, aching muscles, and stomach pain.





oping with the death of a loved one is one of the most difficult struggles we face during our lives. Many people choose not to grieve, trying to avoid the emotional pain because it is so seemingly unbearable.

However, unresolved grief can have many negative life outcomes, including depression, substance use and/or behavioral disorders, increased anxiety, fear, health problems, accidents and drop-out rates, and diminished self-esteem and school performance. It can also lead to suicide. While we do not “get over it,” we can work through grief. The loss will always be a part of you and impact you throughout life, but how you grieve is very important and makes a profound difference in how you live for the remainder of your life.

there is no “getting over it” but you can work through it By Steve B u tto n

There is no right way or wrong way to grieve, and no specific “timetable” for grief. Experts have identified stages or tasks of mourning and grief. I find William Worden’s Four Tasks of Mourning very helpful. Though listed sequentially, most people move back and forth through the different stages of grief. Worden’s first task is acceptance of the loss. This involved rituals such as funerals or memorials, speaking of the person in the past tense, accepting the depth of the relationship and the impact of losing the relationship. Second is working through the pain of grief by accepting the strong emotions associated with death — sadness, fear, loneliness, despair, guilt, anger, and relief, among others.

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Third is adjusting to a reality in which the deceased is missing. This takes time and is related to how day to day roles and tasks are changed without that person in your life. The fourth task is to find enduring connection with the deceased while embarking on a new life. We must work to maintain an important emotional connection with our loved one while still finding meaning and purpose. This enables us to move forward and find happiness and even joy in life. Many people move through the grief tasks without realizing what they are. However, if you are struggling with grief, I encourage you to seek help and support. Support groups and individual counseling can provide the tools needed to move forward after the death of a loved one.

Call us @ 971-304-7464 Visit us @ 155 'E' Street, Independence Visit us online @ www.MAO-NW.com


There is help

When anxiety becomes harmful B y St e v e B u t t o n


xperiencing occasional anxiety is a normal part of life. We can become anxious when working on a big project, preparing to take a test, thinking about all the things that need tending in our busy lives, and countless other situations. This kind of anxiety is normal as these conditions naturally raise anxiety levels for a time. However, people with anxiety disorders frequently experience persistent, excessive and intense worry and/ or fear about everyday situations. Often, anxiety disorders involve multiple episodes of sudden feelings of intense anxiety and fear or terror that reach a peak in a matter of minutes (panic attacks). These feelings interfere with daily activities, are difficult to control, and are lasting. Symptoms often start in the childhood or teen years and carry into adulthood. About 1 in 8 people experience an anxiety disorder at some time during their life. There is a variety of anxiety disorders. Some of the most common include generalized anxiety, social anxiety, specific phobias, obsessive compulsive disorder, separation anxiety and post-traumatic stress disorder. Common anxiety signs and symptoms include: feeling nervous, restless or tense; a sense of impending danger, panic or doom; increased heart rate, rapid breathing; sweating; trembling; feeling weak or tired; trouble concentrating or focusing on anything other than the present worry; trouble sleeping; stomach problems; difficulty controlling worry; avoiding things that trigger anxiety.

While everyone experiences normal periods of anxiety due to everyday stressors, if you experience these symptoms daily for six months or more it’s time to check in with your doctor or mental health professional. There are no blood or other medical tests to diagnose anxiety disorders. Diagnosis is made through talking with a professional about your personal history and symptoms.

See your doctor if: • You worry excessively and it’s interfering with work, school, relationships or other parts of life • Your fear, worry or anxiety is upsetting and difficult to control • You feel depressed, have trouble with alcohol or drug use, or other mental health concerns • You believe your anxiety might be linked to a physical health problem • You have suicidal thoughts or behaviors — if this is the case seek help immediately

The sooner you get help, the more effective treatment can be. Untreated, an anxiety disorder may lead to, or worsen, other mental and physical conditions such as: • Substance misuse or abuse • Difficulty sleeping (insomnia) • Digestive or bowel problems • Headaches or chronic pain • Depression or other mental health disorders (depression often occurs with an anxiety disorder)


• Social isolation • Difficulty functioning at school or work • Poor quality of life • Suicidal ideation The good news is, there is help. Once a diagnosis is made, there are various treatments or combinations of treatments, such as psychotherapy or counseling, medication, exercise and natural remedies. The most common and seemingly effective psychotherapy is cognitive behavioral therapy, which focuses on changing unhealthy thinking and behavior patterns. Positive techniques are learned for coping with anxiety symptoms and managing contributing factors. Common medications used to treat anxiety, often in combination with therapy, include antidepressants and anti-anxiety medications. Exercise has been shown — when used alongside medication and/or therapy — to help with anxiety disorders. However, it can be challenging at first to maintain a regular exercise routine. Start small and work up. Some natural remedies include meditation, yoga, acupuncture and herbs. Check with your doctor or therapist to learn more. Stress and anxiety are a normal part of our busy lives, but anxiety should not prevent you from having a happy, fulfilling life. If you are concerned about yourself or a loved one, seek help. Treatment and healthy steps can not only make for a better today, but a better life.

Steve Button is a retired social worker. He was with the Suicide Prevention Action Network since 2001 and a QPR instructor since 1990.

Portland Metro November 2020

Medicare Guide

Open Enrollment Now Through Dec 7 2020



▶ Compare plans from major health insurance carriers ▶ Find a local health insurance agent to help you through the process

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Join a community of care dedicated to your well-being. Find a Medicare Advantage plan that’s right for you at MyTruePlans.com/print Providence Medicare Advantage Plans is an HMO, HMO-POS and HMO SNP with Medicare and Oregon Health Plan contracts. Enrollment in Providence Medicare Advantage Plans depends on contract renewal. Providence Health Plan and Providence Health Assurance comply with applicable Federal civil rights laws and do not discriminate on the basis of race, color, national origin, age, disability, or sex. H9047_2021PHA46_M PHP_AEP-2021_NW50Plus_7.5x1.75_FindPlan_091620



Year One Medicare √ list ost people enroll in M Medicare when they turn 65, and few give the matter much thought before that landmark birthday is on the horizon.

For those of us lucky enough to see 65 “turns around the sun,” the big day comes. If yours is nearing, Happy Birthday! Here’s to a day filled with love and laughter, and a wonderful year ahead. And, yes: it’s time to think about Medicare. Following is a √ list for that first year.


If you choose to have someone help you, make sure it’s someone you trust, and complete an Authorization Form to give Medicare permission to talk with them. Medicare can't give personal health information about you to anyone without your written permission.

2 3

Make a "Welcome to Medicare" Preventive Visit appointment during the first 12 months you have Medicare. This free, onetime comprehensive preventive visit puts you in control of your health and Medicare from the start. This visit is only available in your first year. Learn what else Medicare covers. Get a list of tests, items and services covered anywhere in the US. Or, use the "What's covered" mobile app to find out if your test, item or service is covered. If not, talk to your doctor or other healthcare providers about why you need it and ask if Medicare will cover it.


Create a secure personal account to access your Medicare information anytime. With your account, you can:

Medicare can be confusing SHIBA is here to help here to help... Publicly-funded resource here to help... objective information

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to protect, detect and report Medicare fraud, waste and abuse. Ask us how!


Print an official copy of your Medicare card

Access and share your electronic health information

Pay your Medicare premiums online

View your Original Medicare claims when they're processed

Find plans in your area and create a list of your drugs

Note: If you enroll in a Medicare health or drug plan, those plans may also have their own websites or apps to help you track your health and claims.


Consider going paperless to receive a “Medicare & You” handbook and Medicare Summary Notices electronically.

Sourced from medicare.gov.

Don Espinoza

Medicare Advisor


don.espinoza@healthnet.com Territory: Columbia, Clackamas, Multnomah, and Clark-WA

Brandi Wismeth-Platt Medicare Advisor


brandi.wismeth-platt@healthnet.com Territory: Washington, Marion, Polk, Yamhill counties Oregon

Go with the Medicare health plan that can help you

LIVE YOUR BEST LIFE EVERY DAY Enroll in a Kaiser Permanente Medicare health plan and enjoy a $0 monthly premium,1 plus: • $5 doctor office copays • No-cost fitness benefits with Silver&Fit® on all plans2 • Easy telehealth options3 • Online prescription refills4

Talk to a Kaiser Permanente Medicare specialist at 1-855-867-9667 (TTY 711). RSVP to a Live Neighborhood Webinar at kp.org/webinarsnw.

1For our Value Plan. 2Silver&Fit® is a federally registered trademark of American Specialty Health, Inc. 3These features are available when you get care at Kaiser Permanente. Some services are only available in facilities. 4When receiving care at a Kaiser Permanente facility. Kaiser Permanente is an HMO plan with a Medicare contract. Enrollment in Kaiser Permanente depends on contract renewal. You must reside in the Kaiser Permanente Medicare health plan service area in which you enroll. For accommodations of persons with special needs at meetings, call 1-855-867-9667 (TTY 711).


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Maximum Out-ofpocket (MOOP)

Monthly premium

Integrated Part D Benefit

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$350 per one way trip (ground or air)

Adventist, Legacy, OHSU, Tuality

$465 per day, days 1-4; $0 rest of stay

Emergency Room $90 copay, Worldwide Emergency coverage up to $50,000 with $0 copay

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Health Net Ruby HMO

Integrated Part D Benefit

$0 copay days 1-20 INN/ OON, $160 per day , days 21-100 INN, $195 per day days 21-100 OON

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Adventist, Legacy, OHSU, Tuality

$450 per day, days 1-4; then $0 rest of stay In Network, $500 per day, days 1-10; then $0 rest of stay Out of Network

Emergency Room $90 copay, Worldwide Emergency coverage up to $50,000 with $0 copay

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$20 copay In Network, $30 copay Out of Network Primary Care, $50 In Network, $60 Out of Network Specialist


$7,550 combined In and Out of Network

$0 (This plan offers a $29 Part B premium give back every month in your Social Secuirty Check.)

Health Net Violet 3 PPO

Integrated Part D drug benefit

$0 per day for days 1 through 100

$150 per one-way trip

Kaiser Sunnyside Medical Center, Kaiser Permanente Westside Medical Center, Legacy Salmon Creek Medical Center

$200 per day for days 1 through 6; No charge for the remainder of your stay

$120 copay worldwide coverage


$5 Primary/$25 Specialist

Over 3,000 network providers



Kaiser Permanente Senior Advantage (HMO) Enhanced Plan

Integrated Part D drug benefit

$0 per day for days 1 through 20 $50 per day for days 21 through 100

$200 per one-way trip

Kaiser Sunnyside Medical Center, Kaiser Permanente Westside Medical Center, Legacy Salmon Creek Medical Center

$265 per day for days 1 through 6 No charge for the remainder of your stay

$90 copay worldwide coverage


$5 Primary/$35 Specialist

Over 3,000 network providers



Kaiser Permanente Senior Advantage (HMO) Standard Plan

Integrated Part D drug benefit

$0 per day for days 1 through 20 $150 per day for days 21 through 100

$250 per one-way trip

Kaiser Sunnyside Medical Center, Kaiser Permanente Westside Medical Center, Legacy Salmon Creek Medical Center

$335 per day for days 1 through 6 No charge for the remainder of your stay

$90 copay worldwide coverage


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Kaiser Permanente Senior Advantage (HMO) Value Plan


Days 1-20 $0, 21100 $184/day

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Providence, Tuality, Salem, Silverton, Willamette Valley, PeaceHealth SW Medical Center and others

Inpatient hospital care: $450 days 1-4 $0 days 5+

Emergency $90 copay


Primary Care $0, Specialist $40

Providers in network: 10,000+



Prime + Rx (HMO)


Days 1-20 $0, 21-100 $160/day In-Network/30% Out-of-Network

$250 one way

Providence, Tuality, Salem, Silverton, Willamette Valley, PeaceHealth SW Medical Center and others

Inpatient hospital care: $325 days 1-6 / $0 days 7+ / 30% Out-of-Network

Emergency $90 copay

Annual physical exam: $0 In-Network / 30% Out-of-Network

Primary Care: $0 In-Network / $25 Out-of-Network Specialist Visit: $35 In-Network / $50 Out-of-Network

Providers in network: 10,000+

$4,900 InNetwork/$10,000 Out-of-Network


Bridge 1 + Rx (HMO-POS) $35

Offerings from some major providers for the 2021 Open Enrollment Period (OEP) Oct 15-Dec 7, 2020

Here’s what some major providers have to offer

Medicare Plans

Integrated Part D Benefit

$0 copay for days 1-20, $167 per day for days 21-100 In-Network

$275 per transport

Adventist, Legacy, OHSU, Tuality, and others throughout our service areas

$400 per day, Days 1-4 In-Network

$90 Copay covers emergencies in and out of the USA, no dollar limits


Primary Care:$15 InNetwork/Specialist:$45 In-Network

Over 14,000



Regence Portland Metro PPO


Website & Other Phone Numbers

Service Areas

Other Details


Mental Health Therapy

Hearing Exams & Hearing Aids


Prescription Drug Copay/Deductible

https:// or.healthnetadvantage. com/ , 1-800-9496921 (TTY:771)

Benton, Clackamas, Columbia, Lane, Linn, Marion, Multnomah, Polk, Washington, Yamhill

Silver & Fit includes a basic membership at multiple gyms throughout the United States, integrated preventive Dental, Teladoc, integrated routine Chiro/ Acu/Nat visits (subj to a copay and limited to 24 combined visits per cal yr)

23,000 +

$40 for outpatient Rehab session

Medicare Covered Hearing Exam copay $30, $0 copay for routine hearing exam each year, 2 hearing aids (1 per ear, per year)

$10 copay for Medicare Covered vision exam, $10 copay for Routine Vision Exam every calendar year, $250 Eyewear allowance every 2 calendar years

Deductible: $125 applies to tiers 3-5 only, Tier 1: Preferred Generic $3, Tier 2: Generic $8, Tier 3: Preferred Brand $37, Tier 4: Nonpreferred Brand $90, Tier 5: Specialty 30%, Tier 6: Select Care $0

https:// or.healthnetadvantage. com/ , 1-800-9496921 (TTY:771)

Benton,Clackamas, Douglas, Jackson, Josephine, Lane, Linn, Marion, Multnomah, Polk, Washington, Yamhill, Clark, WA

Silver & Fit includes a basic membership at multiple gyms throughout the United States, Teladoc, Nurse Connect

New Plan Offering

$40 In Network, $50 Out of Network for outpatient Rehab session

Medicare Covered Hearing Exam copay $30 IN Network, $50.00 copay Out of Network, $0 copay for routine hearing exam each year (INN ONLY) , 2 hearing aids (1 per ear, per year); Price based on level of technology

$10 copay for Medicare Covered vision exam, $10 copay for Routine Vision Exam every calendar year, $250 Eyewear allowance every 2 calendar years

Deductible: $200 applies to tiers 3-5 only, Tier 1: Preferred Generic $5, Tier 2: Generic $15, Tier 3: Preferred Brand $37, Tier 4: Nonpreferred Brand $90, Tier 5: Specialty 29%, Tier 6: Select Care $0

www.kp.org/medicare Members: 1-877-2218221 Non-Members: 1-877-408-3496 (TTY: 711)

Oregon counties: Benton*, Linn*, Clackamas, Columbia, Marion, Multnomah, Polk, Washington, Yamhill. Washington counties: Wahkiakum*, Clark, Cowlitz * partial county

Silver & Fit® fitness program which includes no-cost membership to participating local health clubs and virtual classes. Advantage Plus - Dental, eyewear and hearing aid package for $44 per month. Telehealth services through secure video visits, phone appointments, e-visits, and email.


$5 indivdual session copay

Routine hearing exam: $25. Hearing aids not covered. See “Other Detials”

Routine eye exam: $25. See “Other Detials”

No deductible $5 preferred generic (Tier 1) $10 generic (Tier 2) $45 preferred brand-name (Tier 3) $90 nonpreferred brand-name (Tier 4) 33% specialty (Tier 5) $0 injectable Part D vaccines (Tier 6)

www.kp.org/medicare Members: 1-877-2218221 Non-Members: 1-877-408-3496 (TTY: 711)

Oregon counties: Benton*, Linn*, Clackamas, Columbia, Marion, Multnomah, Polk, Washington, Yamhill. Washington counties: Wahkiakum*, Clark, Cowlitz * partial county

Silver & Fit® fitness program which includes no-cost membership to participating local health clubs and virtual classes. Advantage Plus - Dental, eyewear and hearing aid package for $44 per month. Telehealth services through secure video visits, phone appointments, e-visits, and email.


$5 indivdual session copay

Routine hearing exam: $35. Hearing aids not covered. See “Other Detials”

Routine eye exam: $35. See “Other Detials”

No deductible $5 preferred generic (Tier 1) $10 generic (Tier 2) $45 preferred brand-name (Tier 3) $90 nonpreferred brand-name (Tier 4) 33% specialty (Tier 5) $0 injectable Part D vaccines (Tier 6)

www.kp.org/medicare Members: 1-877-2218221 Non-Members: 1-877-408-3496 (TTY: 711)

Oregon counties: Benton*, Linn*, Clackamas, Columbia, Marion, Multnomah, Polk, Washington, Yamhill. Washington counties: Wahkiakum*, Clark, Cowlitz * partial county

Silver & Fit® fitness program which includes no-cost membership to participating local health clubs and virtual classes. Advantage Plus - Dental, eyewear and hearing aid package for $44 per month. Telehealth services through secure video visits, phone appointments, e-visits, and email.

New plan for 2021

$5 indivdual session copay

Routine hearing exam: $45. Hearing aids not covered. See “Other Detials”

Routine eye exam: $45. See “Other Detials”

No deductible $5 preferred generic (Tier 1) $10 generic (Tier 2) $45 preferred brand-name (Tier 3) $90 nonpreferred brand-name (Tier 4) 33% specialty (Tier 5) $0 injectable Part D vaccines (Tier 6)

503-574-5551; 800457-6064; TTY: 711; Oct. 1 through Dec. 7, 8 a.m. to 8 p.m., 7 days a week (Pacific Time);

Multnomah, Washington, Clackamas, Yamhill counties

Available with a reduced premium for qualifying low income individuals $0 Express Care Virtual visits from the safety of your home Worldwide emergency coverage ($50,000 limit) Silver & Fit gym membership included at no cost Coverage for chiropractic and acupuncture services Preventive dental included with optional, additional coverage starting at $29.40


Individual or group session: $40

Routine exam 1/year: $0 Hearing aids: $499/$799

Routine exam 1/year: $75 allowance Glasses & contacts: $100 allowance/year

Deductible: $150 Preferred generics: $0 Generics: $10 Preferred brand: $47 Non-referred drug: $100 Specialty drugs: 30% coinsurance

503-574-5551; 800457-6064; TTY: 711; Oct. 1 through Dec. 7, 8 a.m. to 8 p.m., 7 days a week (Pacific Time);

Multnomah, Washington, Clackamas, Yamhill counties

Available with a reduced premium for qualifying low income individuals $0 Express Care Virtual visits from the safety of your home Worldwide emergency coverage ($50,000 limit) Silver & Fit gym membership included at no cost Coverage for chiropractic and acupuncture services Preventive dental included with optional, additional coverage starting at $29.40


Individual or group session: $35 in-network 30% out-of-network

Routine exam 1/year: $0 in-network Hearing aids: $399/$699 in-network

Routine exam 1/year: $75 allowance Glasses & contacts: $150 allowance/year

Deductible: $100 Preferred generics: $0 Generics: $10 Preferred brand: $47 Non-referred drug: $100 Specialty drugs: 30% coinsurance

(844) REGENCE; Regence.com/Medicare

Clackamas, Lane, Multnomah, Washington

$0 Medical Deductible, Fitness Membership, Acupuncture, Chiropractic, Neuropathy, Theraputic Massage, Over the Counter pharmacy allowance, Pallative Care and Support, Meals benefit, Virtual Companionship, 24/7 Nurse line, Telehealth, Personal Emergency Response Device, Comprehensive Dental buyup available

Over 55,000 PPO Members

$40 copay for outpatient therapy session In-Network

$45 for Medicare covered hearing exam In-Network; $0 for routine hearing exam In-network; $699999 copay per hearing aid

$0 copay for Medicare covered eye exam In-Network: $0 copay for routine eye exam In-Network, $0 copay for lenses, $100 towards eyewear per year

Deductible: $250 applies to Tiers 3-5 only; Tier 1: Preferred Generic $3; Tier 2: Generic $13; Tier 3: Preferred Brand $40; Tier 4: Non-Preferred Brand 40%; Tier 5: Specialty 28% /$0 copay for Tier 1 presctiptions if filled by Mail Order or 3 month supply



Behind the


with a Medicare Counselor


hose approaching their 65th birthday often feeling anxious about enrolling in Medicare. But excellent support is available, and we thought you might like to hear from an expert to get a feel for how they can help. Bruce Bayley has been a volunteer counselor for SHIBA, the Senior Health Insurance Benefit Assistance program, since 2017. “Thinking about how difficult it was for me [to navigate Medicare], my heart went out to others. Peoples’ lives can be greatly affected by their healthcare coverage. They can be nervous and confused about how to make these important decisions. I can reassure them, explain their choices and narrow things down.”

It can seem complicated, Bayley says, because “there are multiple parts of coverage within Medicare, and each is structured differently. And when it comes to complementing Medicare with additional coverage there are many, many choices of insurers.” In fact, he says, it feels so complicated for some that “they actually come in pissed off,” saying things like, “This is way too complicated!” Or “How are people supposed to do this? Are they trying to make this hard?” And most of all, “I don’t know what to do.”

Likewise, people with employer-based insurance often have a preferred medical system. This too, helps narrow the choices. The questions continue, narrowing the choices and simplifying the decisions along the way. “Sometimes the exploration can get very detailed,” Bayley acknowledges, “down to specific medications a person may need. Medications can be a major cost for some people, and coverage from different insurance plans does differ.”

“I’m happy to help any way I can,” he says. “I try to explain things in a way that’s easy to understand.”

SHIBA also helps people who already have Medicare coverage. Sometimes coverage changes year to year, and occasionally plans are discontinued so people need to find a new plan.

Bayley starts with simple questions that help narrow the options, such as, “Do you have a doctor you go to regularly?” If the answer is yes, the choice of plans is narrowed to those which include the preferred physician.

Bayley recently helped a woman find a prescription drug plan that was more affordable for the chemotherapy drugs she needed after being diagnosed with cancer. He helped another client search for plans with fewer restrictions on physical therapy


coverage. The annual open enrollment period, Oct 15 to Dec 7, is the time people can make these types of changes for the coming year

Don’t wait until your birthday Bayley encourages people to start learning about the essentials: Part A (hospital care), Part B (routine medical) and Part D (prescriptions) well before their 65th birthday. “Know the difference between supplemental ‘Medigap’ policies and Medicare Advantage plans. And consider your needs for vision, hearing or dental services,” he says.

Take advantage of existing coverage Bayley has heard some say, “Before I turn 65, I’ll get my dental work done,

MEDICARE GUIDE 2021 vision care and a hearing test,” which he agrees is a good idea. “Use the coverage you have to the get things you know you need to have done. But don’t go after care you don’t need.” Caring for clients often involves more than one meeting. “They come in and learn the basics, then come back after giving it some thought.” And, while he says it’s a challenge not being able to meet face to face right now, there are many helpful resources available. Under the ‘Plan Finder’ at Medicare.gov, for example, Bayley says,“Someone on 10 to 15 medications can plug them in and the site will identify the lowest cost prescription drug plan or Medicare Advantage plan based on a plan’s selection of brand-name and generic offerings. The Plan Finder shows the cost per year for each prescription. If you find a plan that fits, you can enroll right online.”

Other recommended resources include the handbook offered to anyone turning 65, “Medicare and You,” and the SHIBA publication, “Oregon Guide to Medicare Insurance Plans.” After reviewing these materials, those seeking more help can contact SHIBA or a local insurance agent, who Bayley calls “trusted partners.”

Like so many who work in helping people with Medicare, Bayley loves his work. “It’s really feel good,” he says. “I’m here to reassure people, to put things in perspective and cut through the confusion. People are so appreciative for the help, and when we’re done, many say, ‘Ahh, I’m so glad this is over with!’”

Bayley readily acknowledges how complicated Medicare can seem, but reminds people why that is: “Medicare was developed over decades,” he says. “Original Medicare started in the ‘60s, Medicare Advantage (private prepaid plans) was introduced in the ‘90s, and prescription drug coverage was added in 2006. So, it can feel sort of patched together . . . which it is!”


He also points out that, “Just like other insurance, clients must share in the cost. So, there are co-pays and co-insurance.” But, he adds, “This is good insurance, and it’s improving over time.”

SHIBA shiba.oregon.gov medicare.gov Bruce Bayley is a retired professional in healthcare research focusing on health care quality improvement, patient safety, and insurance for the underserved. As a people person and self-proclaimed “big picture guy,” serving as a SHIBA counselor has been a great fit.

Are you on the best Medicare plan? Do you want to keep your doctor? Are you turning 65?

Call Today! Today



Breaking down the parts of Medicare Part A • hospital Insurance

Medicare is the federal health insurance program for:

Covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.

Part B • medical Insurance

• People who are 65 or older • Certain younger people with disabilities • People with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD)

Covers certain doctors' services, outpatient care, medical supplies, and preventive services.

Part D • prescription drug


Helps cover the cost of prescription drugs, including many recommended shots or vaccines.

The parts of Medicare The different parts of Medicare help cover specific services:

Medicare drug coverage helps pay for prescription drugs. To get this coverage, you must join a Medicare-approved plan

that offers drug coverage (includes Medicare drug plans and Medicare Advantage Plans with drug coverage). Each plan can vary in cost and specific drugs covered but must give at least a standard level of coverage set by Medicare. Medicare drug coverage includes generic and brand-name drugs. The Prescription drug plans they carry (called a formulary) vary, and how they place drugs into different "tiers" on their formularies. Plans have different monthly premiums. You’ll also have other costs throughout the year in a Medicare drug plan. How much you pay for each drug depends on which plan you choose. Sourced from medicare.gov

Annual Open Enrollment is Here!


Oct. 15th to Dec. 7th

Kris Sallee

Licensed Insurance Agent

(503) 678-5768 KSallee@HealthMarkets.com

Mike Stampke

Licensed Insurance Agent

(503) 789-7407 MikalStampke@HealthMarkets.com

Beth Nelson

Licensed Insurance Agent

(503) 804-6237 Beth.Nelson@HealthMarkets.com

Call to Schedule Your Appointment Now! se habla español (503) 263-8200 | 1433 SE 1st Ave, Suite 103 | Canby, OR 97013 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. 46369-HM-1020


Need help Need help with Medicare? with Medicare? Call today. Call today. I’m your local I’m your local Medicare expert. Medicare expert.

Contact me to set up a Contact me to set up a personalized appointment. personalized appointment. If you’d like to attend one of my live If you’d like to attend one of my live virtual webinars, please register at: virtual webinars, please register at: ProvidenceHealthAssurance.com/ ProvidenceHealthAssurance.com/ webinars webinars

Peggy Lickert Peggy Lickert 503-828-7149 503-828-7149 Peggy.Lickert@providence.org Peggy.Lickert@providence.org



Charitable giving


Avoid being prey for your kindness


cammers operate year-round, but the holidays present a unique opportunity to take advantage of kind, unsuspecting people. With Covid and the recent wildfires, there has been an uptick of victims.

Be scam savvy

Unfortunately, says Attorney General Ellen Rosenblum, “there are scammers out there who prosper off any disaster or holiday of increased charitable giving.” It could come as a knock on the door, a phone call, or a piece of mail you were not expecting. It could be a request that you wire money or purchase pre-paid debit cards. You might be warned that if you don’t respond immediately, your prize winnings will be lost. Scammers often pose as banks, healthcare providers and government officials asking for identifying personal or financial information. Scams usually sound too good to be true. Do not give personal information to anyone you don’t know. You can usually detect a scam by the urgency in the speaker’s voice. Hang up. Never offer bank account information or social security numbers. Calls out of the blue asking you to wire money are a common scam practice and should not be taken seriously. The Oregon Department of Justice has seen an uptick in imposter scams related to wildfire donations.

By Maggi White

“Unfortunately, there are some bad Guaranteeing sweepstakes winnings in actors out there who will prosper off any exchange for a donation is a scam and is disaster,” she says, adding that several lead- illegal. ing Oregon charities have joined together to create the 2020 Community Rebuilding Be wary of phone, email or door-to-door fund and Oregonians wanting to help those solicitations. affected by the fires are encouraged to give to participating organizations. Remember not all gifts are tax deductible. Gifts to individuals through GoFundMe Donors are encouraged to do their and similar platforms are not. Check the research through websites such as Guide IRS website. Make sure a charity provides Star, Charity Navigator, the Better Business written confirmation of your donation. Keep Bureau. You can confirm an organization is records. registered with the Oregon Department of Justice by checking the database or calling Know what percentage of your donation 971-673-1880. goes to the people who need it. Financial gifts rather than goods such as toilet paper, sleeping bags, etc. are encouraged as most nonprofits don’t have large storage facilities.

Scammers might tell you to keep it “secret”

Never let anyone pressure, guilt or rush you into donating. Don’t assume charity appeals you see online or social media are legitimate, even if you receive one from someone you know. Scammers use names that sound like real charities. Search the organization name plus words like, “scam,” “fraud” or “complaint.” You want your donation to make a difference, and researching the receiving organization helps avoid scams.

If anyone ever asks for donations in the form of cash, gift card, or wired funds, don’t do it. Some scammers trick people into payScammers prey on kind and generous Or- ing them by thanking them for a donation egonians during disasters, says Rosenblum. they never made.

Another scam is price-gouging during natural disasters. In Oregon, it is unlawful to offer or sell consumer goods or services at an “unconscionably excessive price.” This includes retailers and wholesalers that sell essential goods or services. A price is excessive if it is 15 percent or more higher than is customary. If you suspect price gouging, get as much information as possible, including a picture of the product name, brand, size and unit price. If online, take a screenshot of the online platform, seller name, product details and date. Keep the receipt. Call the Oregon Consumer Hotline at 503-378-8442 or send to oregonconsumer.org. For more information and printouts visit oregonconsumer.gov or call 877-877-9392. Report fake charity scams to ftc.gov/charity.



with the Grandkids!


his year we’ve all had to get creative to celebrate special occasions in fun, memorable ways while protecting ourselves and others from the Corona Virus.

And while we’ve discovered the novelty and fun of drive-by birthdays and video chatting, we’ve also learned the challenge of achieving real togetherness while being apart — be it six feet or many miles. With the holidays upon us and many popular venues and events such as theatres and light festivals closed, once again it’s time to get creative. Rather than bemoan traditions we can’t enjoy this this season, let’s embrace the spirit of adventure and create new ones!

By K r i s t a n D a e l

Kitchen takeover Kids of all ages enjoy making holiday goodies. Start with a simple recipe and divvy up the tasks; for example, Cooper can mash bananas while Sage chops nuts. Cookies can be even more fun, as each child can go to town decorating his or her own. Handmade ornaments are another fun option. Very young grandkids will delight in arranging a simple snack with bananas, berries, kiwi, orange, nuts and whipped cream on a decorative plate. The activity is super simple, and you can help with the prep, but watch the littles craft their presentation and serve it with pride. Whatever you choose to do, keep the focus on enjoying it. Have everyone participate in preparations and cleanup as appropriate, and don’t stress if something’s done a little differently or less “tidily” than you normally would. That’s a true recipe for fun.

Frosted Sugar Cookies (with gluten free option) These Frosted Sugar Cookies are a must for the holidays. Gift them, leave them for Santa, or hoard them for yourself!

Cookie Ingredients 1 cup Butter (or Vegetable Shortening) 1 cup Sugar 2 large Eggs at room temperature 1 Tbsp Vanilla Extract 1 tsp Fine Sea Salt 1 tsp Baking Powder 3½ cups Unbleached White All Purpose Flour (or Gluten Free 1-to-1 Baking Flour), plus some for rolling out the dough

Instructions Preheat oven to 350* and line baking sheets with silicon mats or parchment paper. In a medium bowl, sift together flour, salt and baking powder. Set aside. In mixer bowl, cream butter or shortening and sugar until light and creamy, about 1-2 minutes. Mix eggs in one at a time, beating after each addition then mix in the vanilla extract. Slowly mix in dry ingredients until completely incorporated. Dough should be slightly firm but still soft, not sticky, and not stiff. Place dough on a floured work surface (or floured parchment paper if working with gluten free flour). Roll until about 1/4-1/2 inches thick (cover gluten free dough with plastic wrap to help with rolling). Sprinkle on a little flour and rub evenly over the dough. Cut into shapes. Transfer the cookies carefully to prepared baking pans. Bake 8-10 minutes. Cool on baking sheet for a few minutes then on a wire rack until completely cool. Note: When re-rolling dough for additional cookies, dust the rolled dough with a little flour each time.

Frosting Ingredients 4 1/2 cups Powdered Sugar 1 1/2 cups Butter soft 1 tsp Vanilla Extract 2 - 3 Tbsp Milk or Cream (if needed) 12  NORTHWEST 50 PLUS  METRO | NOVEMBER 2020

Instructions Combine powdered sugar and butter and mix on low with a hand mixer or stand mixer for 1 minute. Increase speed to medium and mix until light and fluffy, about 3 minutes. Add vanilla extract. If frosting is too thick, add milk or cream to adjust consistency. Add food coloring if desired. Mix until combined, about 1 minute more.

Gingerbread Ornaments There are a few ways people have approached this type of ornaments. Some recipes involve several days’ drying and others involve craft glue as an ingredient. Recipes vary in time required and cost of ingredients. This version does not ask for glue. This is a great activity to do with the grandkids, though it does take several days to go from dough to ornament, so you might want to bake the cookies ahead.


6 Tbsp Shortening 1 cup Sugar 2 tsp Cinnamon

You will also need Instructions

2 tsp Baking Soda 1-1/2 cups Water 2 tsp Ground Cloves 2 tsp Ginger 1 cup Molasses 7 cups Flour (white, whole wheat, gluten free, doesn’t matter)

Acrylic Paints in desired colors Clear Acrylic Paint or Varnish Ribbon or Thread

Seasonal Cookie Cutters Straw or Pencil (for making holes) Rolling Pin

In a large bowl, beat shortening and sugar; stir in molasses. Sift baking soda, ground cloves, ginger, cinnamon, and flour together in a large bowl. Stir this mixture plus water into the sugar and shortening mixture, alternately adding the water and baking soda mixture to the shortening mixture. Stir until mixed thoroughly and refrigerate 6-8 hours. Preheat oven to 350°F degrees. Cut dough into three equal pieces, knead each piece lightly and then use a rolling pin to roll out each piece to a 1/4-inch thickness. Use a cookie cutter to shape cookie, then place on cookie sheet. Use a medium-sized drinking straw or pencil to make a hole at the top of each shape. Bake for about 20 minutes. Turn oven off and allow cookies to cool in the oven. This will help harden the cookies. Place cookies on racks to completely harden. Place racks in a cool, dry place and let sit for two to three days. Coat cookies with clear acrylic paint or varnish and allow cookies to dry thoroughly. Paint cookies with acrylic paints as desired. Allow paint to dry thoroughly. Thread a 5- to 6-inch length of narrow ribbon or cording through the hole at the top of each ornament. Knot ends and hang ornaments.

Give the purrfect gift and support a great cause! Adorable wall calendar features photos of rescue kitties. Order now: catadoptionteam.org/calendar.

Photo by Brian Grubb

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Photo by Brian Grubb

Holiday Gift Ideas

Neighbors give as good as they get By Mary owen


eed an egg, a carton of milk, a lemon? Maybe a winter coat or garden boots? How about a couch, coffee table, even a kitchen sink?

Self-professed “lifelong, frugal, budget-conscious couponer,” Sandy Elliot helps administrate an active Buy Nothing group in Salem that is one of several “sprouts” off the south area’s original group begun in 2018.

Proving the old cliché that “one man’s junk is another man’s treasure,” Mary Anne Schaap was gifted two large canvas prints “We are almost ready to sprout again,” on her local Buy Nothing group in South says Elliot, whose role as a group adminSalem. “I just love them!” she says. “I was so istrator is to help fulfill “asks” by tagging excited when my name was chosen!” members when a matching offer arises.

“I have made amazing friends!” DeLozier decoupages hearts on rocks to accompany her gifts, a project she shared at two BN “crafternoons.” The South Salem group kicked things up a notch, hosting birthday parties, coffee meetups, how-to sessions, and even an English High Tea hosted by Mark Falby.

Paula Gardner watches for and helps fulfill requests by loaning items such as a leaf blower or pressure washer, and occasionally receives toys for her grandchildren. She’s striving to simplify her and her husband Jim’s life by streamlining their possessions. She joined two years ago, thinking, “this sounded like a great way to share belongings. The more stuff I gift, the more I want to gift.”

Ken Werber received a pressure washer from the Caraussos The Buy Nothing Project began in 2013 when friends Rebecca Rockefeller and Liesl Clark created an experimental hyper-local gifting economy on Bainbridge Island, Wash. Rooted in reducing, re-using and recycling, the project is now a worldwide social movement led by some 6,000 volunteers, with 1.2 million participants in 25 countries. People can join the free platform through Facebook, and even start a group of their own. Joining connects them to neighbors within a small area around their neighborhoods.

Most members like the group’s positive approach to exchanging goods and goodwill among neighbor as they share items, services, and even food.

Michele in her garden

Buy Nothing “helped me learn my way “It was a fun way to meet and greet around my new neighborhood,” says Michele those within our neighborhood,” says Falby, DeLozier, known for sharing produce from who now administrates a group on the her own community garden. Oregon Coast. “I also had fun gathering secondhand teacups and teapots, decorations and serving pieces, many from our community.”


After the party, Falby posted the items to be gifted again. Partygoers also took home leftover goodies, many made by Falby’s friend Roger Swayze, who came from Portland to help.

A popular gift

s t h g i n K of s a i h t y P ent

Closed briefly due to Covid19, OVID-19, the group is once again active, with porch pickups, garage sales where no money changes hands as everything is free, shared treats of coffee, smoothies and baked goods, and even “secret penguin” gifts.

Christine Aull (left) serves Terri Ellen at the tea

rem i t e R Active Center

Anyone curious but unfamiliar is encouraged by members to seek out and join their local Buy Nothing group, observe for a bit, reach out to an administrator with any questions, and then just dive right in.

Mark Falby and Roger Swayze prepare for guests Sarra Caroussos recently gifted homemade pumpkin spice and white apple cupcakes. About a dozen folks responded to her offer, which she says she made during a “baking cupcakes frenzy.” Caoussos also makes dinners for neighbors, and for her generosity, was recently given a Dutch Bros gift card. She was thrilled, and used it to treat her husband Phil and their children.

For some, groups like Buy Nothing can really make a difference during the holidays, as seeking items is just as accepted as gifting them. Learn more or join a neighborhood group at buynothingproject.org/find-a-group.

What is a high tea party without sandwiches

Paula Gardner with tea


with Excu N G A G A I N! rs Entertainm ions ◆ Exercise ent And a who ◆ Art Classes le lot of FU N!

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Truly heroic

Everyday Heroes

Response to recent wildfires by Christy Doherty


ets are our soul companions. Whether they fit in the palm of your hand or fill a livestock trailer, one thing is certain: finding they won’t all fit in your vehicle when escaping a wind-driven inferno is devastating. That’s when you call COWGIRL 911, a volunteer livestock and animal evacuation/ assistance group of men and women also known as angels with trucks, huge hearts and boots on the ground.

“Flames shot 20 feet up and embers flew; that fire started us rescuing horses,” says Kristina Ruggles Fox of the Molalla RSG Mill fire. “My daughter Kianna and I left to get our horse trailer; our friend had 22 horses near the mill to evacuate.”

Not everyone owns a horse cattle in Okanogan County, near the trailer, and no one wants to leave an Canadian border. animal behind. Farmers there had received bareAkins Trailer Sales in Harrisburg ly 10 minutes’ warning to escape posted on Facebook, “Come grab this fire, which devastated feed, a trailer; use it until you’re done.” pastures and herds. Some cattle had COWGIRL 911 member Cindie to be euthanized because the fire Jean says, “It was beyond words. had burned so fast and hot it melted They called us heroes, but without their hooves. them, none of the rescues Rodney and I did would have been possible, “We got there at 3:20 am. Pitch and I know this is true for others. dark, but we could see how things And in the middle of handing out were burned on both sides of the trailers, they had to evacuate their highway. Hundreds of evacuated home. That’s the Oregon I grew up animals were going to run out of in.” feed the next day.” In the midst of loading and unloading donated goods at Columbia County fairgrounds, Jacquelyn Holmes of Clatskanie answered the call to deliver emergency feed to


After that Holmes worked many hours on the emergency Clackamas county fire line. “It was a redneck crew,” she laughs. “The lady who sent me out saw me, dirty and soot

Trujillo says, “It took three of us four hours to catch and load their black cow — in the dark, in the smoke — and the fire was about two miles away.” Ruggles Fox also experienced the passion of families, and the trust and tension of their animals.

how many people showed up to help,” she says. “I loved how everyone came together to help and never once asked about religion, race, sexual orientation or political affiliation. It was about helping each other. Period.” “That is the Oregon I know and love,” she says.

on my face, and said, ‘Are you just getting back??’ When I said yes, she burst into tears and said, ‘You saved my house.’ I’ll remember her face forever.” Another helper, Shari Trujillo, received heartfelt thanks from two little Colton boys when she brought their cows home.

“I knew how scared I was for my horses; I felt other people’s terror, and the horses’ fear. There were times the sky glowed and the black smoke thickened. Flames rose over the ridge and I had to dig deep and drive straight into hell while everyone else was driving out of it. I drove around barriers to load up stubborn, panicked horses, hug their owners, and promise to get their babies out of harm’s way — because they wouldn’t evacuate until their horses were safe.”

Anyone Can Help Follow COWGIRL 911 on Facebook to volunteer. They can always use more help. They continue aiding those affected by the Okanogan fires as more hay deliveries are needed.

Ruggles Fox wept for the horses she couldn’t get to. While able to sneak through some barriers, other roads were completely blocked. “They made me thank-you cards. One had my truck and trailer, Then, all she could do was pray and race to respond to the next urgent both had cows. There was 45 cents call for help. taped to the paper to help cover our gas, which made me cry. I’ll Traci Waud of Oregon City frame those cards to remind me of the humanity during these past few helped evacuate a local Arabian horse rescue. “It was truly amazing weeks.” NORTHWEST 50 PLUS  METRO | NOVEMBER 2020  17

For the

of Pets

Holiday helpers by Christy Doherty


ell, we are poised to begin the holiday season in the year 2020 – what could possibly go wrong??? If you have pets, there’s plenty to consider. While Covid19 may keep visitors to a minimum, watch your doors; you don’t need an escapee — if need be, keep pets in a safe room. Honor your dog’s or cat’s nutritional needs with healthy treats and meals (not fattening table scraps and NEVER chocolate). This only sounds restrictive. Okay, maybe that’s a lie — especially when those marvelous big brown eyes or sage green peepers gaze at you with longing. But it really is for their own good, trust me. As one who crossed the dietary line with my giant dog Kodie, I know firsthand that fatty foods can and do bring on pancreatitis. This is not something you ever want your pet to experience. Bad cases can become chronic, lead to diabetes, and even cause death. So, stick with the healthy stuff. Dogs learn to love carrots, bits of apple (minus the seeds, please) and low-fat biscuits. For a walk on the wild side (or to help meds go down) try low-fat cream cheese. For your little obligate carnivore feline, consider a VERY modest amount of very lean turkey breast — we’re talking about the good stuff that you eat yourself, no skin, no fat. Maybe something similar for Fido, but never the known killers: skin or fat. In addition to keeping a careful eye on counter surfers, be mindful of the trash. Things like string from a turkey can smell awfully good to pets but be lethal if swallowed. Ingesting anything string-like can be a ticket to abdominal


surgery — expensive, painful and dangerous. Better to prevent than to endure. So snuggle in, enjoy the happy smells of the season, and hug your fur babies for me! I’m excited to meet you through this column!

Adopt Me The Cat Rescue & Adoption Network is looking for a very special foster home for Zoe, a cute and friendly black and white tuxedo female kitty about 15 years old. Zoe is currently in a multicat foster facility, and since she strongly dislikes other cats, this sweet and affectionate girl is stressed. She will thrive in a quiet home with no other pets, and adults only or calm older kids. Zoe is a diva who adores being petted and seeks all the attention she can get. She needs a cat-savvy foster person, as she requires some special care. CRAN will provide all her supplies, including her prescription diet. She is spayed, vaccinated, microchipped, defleaed & dewormed, and negative for Felv & FIV. Please specify “ZOE” and call 541-225-4955 Option 4, or complete a Cat Foster Application online at catrescues.org/forms

Gathering for fitness created lasting bonds


ovid19 impacted fitness routines for many people early this spring and summer. One group, wanting to keep their routines going, got creative. They not only found a way to preserve their routines, but they also ended up with a network of lasting friendships that changed their lives.

Group member Mary agrees. “The whole class knows what’s going on with each other. We all support each other and it has helped provide me with a new community.” Instructors combine unique workout strategies and in-depth knowledge about human physiology. For many class members, mobility is limited and full-intensity workouts are difficult, so instructors encourage chair workouts to build strength, flexibility and balance.

Isabel and Mary point to instructors The group came from attendees of Brynne and Kate for having encouraged Enhance®Fitness classes at the Eugene Family YMCA. The class, held three times a week, is a CDC-endorsed program proven to increase cardiovascular health, muscle strength, bone density, mental sharpness, flexibility and balance for those dealing with arthritis, fibromyalgia and other chronic and acute conditions.

deeper and more meaningful experiences from the class because of their welcoming presence. It’s worked! Even a pandemic couldn’t keep these spirited folks from maintaining their connections. The group continues to meet, walk together and enjoy each other’s company — and they don’t plan to stop. To learn more about the group or get involved, contact Coordinator Brynne Blevins Andrus at enhance@ eugeneymca.org or 541-686-9622 x223.

After meeting over Zoom, Isabel and other class participants decided to walk regularly around the South Eugene High School track — maintaining physical distance but connecting in person. Isabel says Enhance®Fitness is her “solar social charge. We’ve come to know each other better through walking, and I now consider them my friends.”



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Coming up Hearing loops — Sort of like surround sound, this system interacts in a room, or a building, with hearing devices of all in attendance Covid Holidays — staying connection during the season of magic while staying safely apart For the

of Pets

Holiday Gift Ideas & More!

Medicare Guide Holidays with the Grandkids!

Retirement Living Courtyard Village at Raleigh Hills 4875 SW 78th Ave. Portland, OR 97225 503-297-5500 Joanie Ceballos joaniec@courtyardvillage.com web:courtyardvillage.com

IHTUP Avamere at Bethany Retirement, Assisted Living & Memory Care 16360 NW Avamere Court Portland, OR 97229 503-690-2402

IAHTUPM Knights of Pythias Retirement Center 3409 Main Street Vancouver, WA 98663 360-696-4375 Call Lori Fiorillo to schedule your personal tour with complimentary lunch.

IHTUP Creekside Village Retirement Residence A “Family Felt” Environment 5450 SW Erickson Ave. Beaverton, OR 97005 503-643-9735 www.creekside-village.com

IHTUP Beaverton Lodge 12900 SW 9th St. Beaverton, OR 97005 503-646-0635 www.beavertonlodge.com


24-hour staffing. Optional meals, two lovely courtyards, full kitchens in each apartment. Conveniently located next to Fred Meyer. Scheduled transportation and weekly housekeeping included. Please call for a tour and complimentary lunch. Embrace the beauty of retirement. No Buy-In, 180 Units Studio: 530 sf, 1 BR/1 BA: 750 sf, 2 BR/2 BA: 960 sf Did you know that Avamere at Bethany offers dementia care in our Arbor Community? Our staff is proud to provide a high quality of care to each resident, recognizing the uniqueness of each individual. We also offer assisted living apartments where residents can start out independent and as their needs grow we grow with them. Bethany has 8 condo cottages that are independent living with all the perks of living inside the community. Call today to schedule your tour! No Buy-In, call for pricing details. Our non-profit organization offers very affordable housing. Amenities include meal program, housekeeping, laundry service, beauty shop, fitness center, art room, library, and a secured courtyard, 24-hr. security, secured entrance, emergency pull cords in each apartment. There are planned activities & weekly shopping trips at no cost. Stop by for a tour and lunch any time! No Buy-In, Subsidized Studios & One Bedroom Apts. 166 Units, private pay rates starting at $820. There’s “No Place Like Home.” That’s why Creekside Village is where you’ll want to hang your hat. Beautiful grounds w/paths, Serve 3 fantastic home cooked meals a day by our seasoned chef. Just blocks from the Elsie Sturh Senior Center, Beaverton Library, & Beaverton Farmers Market. No Buy-In, 120 Apts., 568 sf, 1BR/1 BA + Lg storage closet, 801 sf, 2 BR/1 BA + Lg storage closet, 808 sf, 2 BR/2 BA + XL closet & pantry. Some of the largest retirement apartments in the area. Pet-friendly, non-smoking community. Two sets of onsite managers, indoor spa, mineral/saline pool, senior water aerobic classes, scheduled transportation, weekly shopping trips & excursions. Beautiful walking paths & raised bed gardens, Comcast TV & much more. No Buy-In 121 apartments, Large Studio, 1 and 2 bedroom apartments with storage rooms

Amenities: Independent Living  Assisted Living/RCF/Foster Care   Housekeeping Transportation   Utilities Included   Planned Activities   Memory Care NORTHWEST 50 PLUS  METRO | NOVEMBER 2020  21

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RARE COINS Buying and Selling Rare Coins Since 1989

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Pamela worked for 23 years as an Adult Protective Services Investigator. Her client’s needs come first, she is protective of their interests, always accessible with prompt response to calls. A great negotiator, Certified Home Stager, with home prepping done for FREE.

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CALL TODAY to schedule your tour. We look forward to meeting you!

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12900 SW 9th St. Beaverton, OR 97005 www.beavertonLodge.com NORTHWEST 50 PLUS  METRO | NOVEMBER 2020  31


True Health Join a community of care dedicated to your well-being. We’ve been working to raise the standard of health and well-being in the community for more than 160 years. Providence Medicare Advantage Plans offer community-focused care, wherever you go, through a vast network of doctors, specialists, and facilities. Plus, many plans offer personalized hearing services and comprehensive dental options. Enroll now at MyTruePlans.com/print or call (866) 713-2186 (TTY: 711) 8 a.m. to 8 p.m. (Pacific Time), every day. Providence Medicare Advantage Plans is an HMO, HMO-POS and HMO SNP with Medicare and Oregon Health Plan contracts. Enrollment in Providence Medicare Advantage Plans depends on contract renewal. Providence Health Plan and Providence Health Assurance comply with applicable Federal civil rights laws and do not discriminate on the basis of race, color, national origin, age, disability, or sex.50 H9047_2021PHA44_M 32  NORTHWEST PLUS  METRO | NOVEMBER 2020

Profile for Northwest50Plus

Northwest 50 Plus Metro Edition November 2020  

Your companion for living well in the Northwest

Northwest 50 Plus Metro Edition November 2020  

Your companion for living well in the Northwest