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Your companion for living well in the northwest

South Valley November 2020

Honoring our Veterans Medicare Guide

Inside!

Holidays with the grandkids!

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CONTENTS

Medicare Guide 2021 Inside

The stories are legion. This is Brandon’s

6

Holidays

with the grandkids

9

Medicare Resources Year One Medicare Guide √ list Behind the scenes with a Medicare Counselor

Charitable Giving: Avoid being prey for your kindness

5

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

8

Gathering for fitness led to lasting bonds

12

2 Lane MC Guide 4 Lane MC Guide

Breaking down the parts

8 Lane MC Guide

5 Things to consider When choosing coverage

6 Linn Benton MC Guide   NORTHWEST 50 PLUS SOUTH VALLEY  |  NOVEMBER 2020 3


Northwest

50 Plus

Look for the helpers

I

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

VOLUME 23 | NUMBER 11

OREGON’S OLDEST & LARGEST 50+ PUBLICATION

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

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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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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.

Donate your Coming up Vehicle Locally!

CONTRIBUTING WRITERS Christy Doherty, Kristan Dael, Maggi White, Mary Owen, Steve Button PHOTOGRAPHY David & Wendy Meyers Christy Doherty

shared the story of their son Brandon. Our veterans’ stories are legion, and like many, Brandon’s is powerful, poignant and filled with love.

Cars for a Cause

888-227-8223

4 NORTHWEST 50 PLUS SOUTH VALLEY  |  NOVEMBER 2020

Covid Holidays — staying connection during the season of magic while staying safely apart For the

of Pets

Holiday Gift Ideas Medicare Guide Holidays with the Grandkids! & More!


Charitable giving

Holiday

Avoid being prey for your kindness

S

By Maggi White

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.

“Unfortunately, there are some bad actors out there who will prosper off any disaster,” she says, adding that several leading Oregon charities have joined together to create the 2020 Community Rebuilding fund and Oregonians wanting to help those affected by the fires are encouraged to give to participating organizations.

ing them by thanking them for a donation they never made.

Unfortunately, says Attorney General Ellen Rosenblum, “there are scammers out there who prosper off any disaster or holiday of increased charitable giving.”

Donors are encouraged to do their research through websites such as Guide Star, Charity Navigator, the Better Business Bureau. You can confirm an organization is registered with the Oregon Department of Justice by checking the database or calling 971-673-1880.

Remember not all gifts are tax deductible. Gifts to individuals through GoFundMe and similar platforms are not. Check the IRS website. Make sure a charity provides written confirmation of your donation. Keep records.

Be scam savvy

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.

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.

Guaranteeing sweepstakes winnings in exchange for a donation is a scam and is illegal. Be wary of phone, email or door-to-door solicitations.

Know what percentage of your donation 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. 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.

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 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.

If anyone ever asks for donations in the form of cash, gift card, or wired funds, don’t Scammers prey on kind and generous Or- do it. Some scammers trick people into payegonians during disasters, says Rosenblum.

For more information and printouts visit oregonconsumer.gov or call 877-877-9392.

The Oregon Department of Justice has seen an uptick in imposter scams related to wildfire donations.

Report fake charity scams to ftc.gov/charity.

  NORTHWEST 50 PLUS SOUTH VALLEY  |  NOVEMBER 2020 5


By Christy Doherty

P

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.

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. 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.

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. 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. 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.

6 NORTHWEST 50 PLUS SOUTH VALLEY  |  NOVEMBER 2020

Diagnosed 70 percent disabled by PTSD, Brandon made it home, but he ended his own life at age 25. “Never take their word that they are okay,” says Brandon’s sister Tiffany Meyers. “This is affecting so many young people.” “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.” 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. 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.

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.

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 long-held 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.”

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.

Chat online at veteranscrisisline.net/get-help/chat or call 800-2738255 option 1, TTY 800-799-4889, or text 838255. 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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  NORTHWEST 50 PLUS SOUTH VALLEY  |  NOVEMBER 2020 7


Mental Illness

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

P

eople who struggle with depression, bipolar disorder, anxiety or Suicide deaths often are underreportone of many other mental health As with all things, the better we undered as they may be listed as “accidental” issues know how difficult it is to stand mental illness and what might lead deaths. As a school and Suicide someone functionThe dailySuicide — whether goingAction to work Prevention Network (SPAN) Idaho, social Theworker National Prevention Hotlinethe is (800) 273to suicide, more we will be a non-profit hard, team alongleader, with I have TALK Region 2 may be contacted via We had [8255]. to try to SPAN-ID or school, parenting,organization maintaining isa working rela- crisis able to recognize, intervene and help. in the mental health field, to bring awareness email at: SPANIDRegion2@outlook.com. comfort parents, siblings, children and tionship,others or managing the host of daily must all advocate for better accessibility to mental health issues and helping to destigmatize friends of people who have died of suiactivitiesthose mostwho of ussuffer. take for granted. As with all things, the better we understand and support for those whomental suffer — after all, This is a small step toward helping

what might leadbe someone to suicide, the cide. There wordsand or actions people come out of the shadows, realizing thatreally are noillness it may you or your family member who be able will to recognize and intervene suffer illness from aare mental illness Many people affectedcan by mental thatas canmuch ease as survivors’more griefwe andwill pain. benefit. assist and help. We must all advocate for better can from a physical unaware they that they are. Those who doillness realizeand that mental illness to accessibility and support for those who suffer – after can be just as deadly. SPAN-Idaho holds awareness Suicide prevention organizations it often don’t seek treatment. This is due, Button is a retired social worker. all, it may beare you or yourSteve family member who will events throughout the year and conducts Mental working hard, along with others in the in large part, to the stigma associated with benefit. He was with the Suicide Prevention Action Health 1st Aid and QPR gatekeeper trainings, bringing mental health field, to raise awareness of mental illness and society’s notion and awareness to the mistaken signs, symptoms behaviors Network since 2001 and a QPR instructor Steve Button has a Master’s Degree in Social Work and has been employed with the Lewistonsince School1990. District for 29 years. He is a QPR of those suffer illness andissues and mental health help destigmathat we should justwho “pullmight ourselves upfrom by mental Suicide Prevention Gatekeeper Trainer and has served with SPANsuicidaland behavior. Trained are given tize those who suffer. This issince a small our bootstraps” get on with life. gatekeepers Idaho 2001.step He is also the program coordinator for Willow tools to help build hope and provide referrals to those Center for Grieving Children. In his free time he enjoys volunteering, out of the swimming, scuba diving andSupport traveling. who may be contemplating suicide. toward One ofhelping those people come On average, one person dies bySuicide suicide Prevention shadows, realizing that people can suffer resources is the Idaho Helpline every 10 (208) hours 398-HELP in Oregon. [4357]. It is a 24-hour call line and from a mental illness much as they can NAMI, National Alliance on Mental Illness. is available via text Monday- Friday 3pm midnight. from –a physical illness and that mental Helpline – 800-343-6264 More than five times as many people illness can be just as deadly. American Psychological Association, apa.org died by suicide in Oregon in 2018 than in National Suicide Prevention Hotline alcohol-related motor vehicle accidents. Several suicide support and prevention 800-273-8255 or dial 911 Total deaths by suicide reflect a total of organizations are listed below. Contact Oregon Suicide Prevention Resource Center 16,408 years of potential life lost before them for resources, events and programs Sprc.org age 65. in your area.

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.

8 NORTHWEST 50 PLUS SOUTH VALLEY  |  NOVEMBER 2020

11


Lane County Edition November 2020

Medicare Guide

Open Enrollment Now Through Dec 7 2020

2021

INSIDE

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

HP_AEP-2021_NW50Plus_7.5x1.75_FindPlan_091620

Discover True Health

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   NORTHWEST 50 PLUS SOUTH VALLEY  |  NOVEMBER 2020 9


MEDICARE GUIDE LANE COUNTY 2021

Year One Medicare √ list

2 3

ost people enroll in M Medicare when they turn 65, and few give the mat-

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.

ter 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.

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.

And, yes: it’s time to think about Medicare. Following is a √ list for that first year.

1

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.

4

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

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.

5

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

Sourced from medicare.gov.

Discover Your Medicare Options Alison Garner Owner /Broker

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MEDICARE GUIDE LANE COUNTY 2 | NOVEMBER 2020


Gowith withthe theMedicare Medicare Go healthplan planthat thatcan canhelp helpyou you health

LIVE YOUR YOUR BEST BEST LIVE Go withEVERY the Medicare LIFE DAY LIFE EVERY DAY health plan that can help you

LIVE YOUR BEST LIFE EVERY DAY

Enroll EnrollininaaKaiser KaiserPermanente PermanenteMedicare Medicarehealth healthplan planand and enjoy enjoyaa$0 $0monthly monthlypremium, premium,11plus: plus: •• $0 $0doctor doctoroffice officecopays copays

® •• No-cost No-costfitness fitnessbenefits benefitswith withSilver&Fit Silver&Fit® on all plans22 on all plans • Easy telehealth options33 • Easy telehealth options • Online prescription refills44 • Online prescription refills

Talk to a Kaiser Permanente Medicare Talk to a Kaiser Permanente Medicare specialist at 1-855-867-9668 specialist at 1-855-867-9668 (TTY 711). (TTY 711). RSVP to a Live Neighborhood RSVP toata kp.org/webinarsnw. Live Neighborhood Webinar Webinar at kp.org/webinarsnw.

Enroll in a Kaiser Permanente Medicare health plan and enjoy a $0 monthly premium,1 plus:

1For our Value Plan. 2Silver&Fit® 1For our Value is a federally registered trademark of American Specialty Health, Inc. Plan. 3These 2Silver&Fit® features are available when youtrademark get care at Permanente. services is a federally registered ofKaiser American SpecialtySome Health, Inc. are only available 3These in facilities. features are available when you get care at Kaiser Permanente. Some services are only available 4When receiving care at a Kaiser Permanente facility. in facilities. 4When receiving care at a Kaiser Permanente facility.

• $0 doctor office copays

Kaiser Permanente is an HMO plan with a Medicare contract. Enrollment in Kaiser Permanente depends on contract renewal. You must reside the Kaiser Permanente Medicare health plan service areaPermanente in which you enroll. on contract Kaiser Permanente is aninHMO plan with a Medicare contract. Enrollment in Kaiser depends

Talk to a Kaiser Permanente Medicare •renewal. No-cost fitness with Silver&Fit For accommodations of persons special needs atMedicare meetings, call 1-855-867-9668 711). You must reside inbenefits thewith Kaiser Permanente health plan service area(TTY inat which you enroll. specialist 1-855-867-9668 For accommodations of persons with special needs at meetings, call 1-855-867-9668 (TTY 711). (TTY 711). 2 ®

on all plans

All plans offered and underwritten by Kaiser Foundation Health Plan of the Northwest. 500 NE Multnomah St., Suite 100, Portland, OR 97232. All plans offered and underwritten by Kaiser KaiserFoundation FoundationHealth HealthPlan Planofofthe theNorthwest Northwest. ©2020 500 NE Multnomah St., Suite558971789_ADV_09-20 100, Portland, OR 97232. ©2020 Kaiser Foundation Health Plan of the Northwest 558971789_ADV_09-20

• Easy telehealth options3

H9003_NWROPLC1020_M

RSVP to a Live Neighborhood Webinar at kp.org/webinarsnw.


Behind the scenes MEDICARE GUIDE LANE COUNTY 2021

with a Medicare Counselor

T

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.

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

“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.”

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. Likewise, people with employer-based insurance often have a preferred medical system. This too, helps narrow the choices.

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.”

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.” SHIBA also helps people who already have Medicare coverage. Sometimes coverage changes year to year, and occasionally

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MEDICARE GUIDE LANE COUNTY 4 | NOVEMBER 2020

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MEDICARE GUIDE LANE COUNTY 2021

plans are discontinued so people need to find a new plan.

Medicare Advantage plans. And consider your needs for vision, hearing or dental services,” he says.

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

Take advantage of existing coverage

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

Bayley has heard some say, “Before I turn 65, I’ll get my dental work done, 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.” Bayley readily acknowledges how complicated Medicare can seem, but reminds people why that is: “Medicare was devel-

Continued on page 8

Medicare Supplements

Medicare Advantage

Health Insurance

Jason Stubbs

Alysha Calhoun

Hilary Starnes

Jason@oregoninsurancecompany.net

Alysha@oregoninsurancecompany.net

Hilary@oregoninsurancecompany.net

Principal Agent

Medicare Specialist

Medicare Specialist

Turn to us for answers to your Medicare and Healthcare Insurance Questions 1126 Gateway Loop, Suite 128, Springfield, Oregon 97477 info@OregonInsuranceCompany.net www.OregonInsuranceCompany.net

Call or go online to schedule an appointment

541-538-2700

MEDICARE GUIDE LANE COUNTY 5 | OCTOBER 2020


Ambulance

Choice of Hospitals

Hospitalization

Emergency Care, USA/Foreign

Routine Physical Exams

Per Doctor Visit

Choice of Doctors

Maximum Out-of-pocket (MOOP)

Monthly premium

$275 per transport

PeaceHealth, Mckenzie-Willamette, 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

$0 copay

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

Over 14,000

$5,700

$0

Regence Lane Primary PPO

$250 one way

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

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

Emergency room $90 copay

$0

Primary Care $0, Specialist $40

Providers in network: 10,000+

$5,500

$0

Providence Timber

$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 room $90 copay

Annual physical exam: $0 innetwork / 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 in-network / $10,000 out-of-network

$40

Providence Bridge 2

$200 per one-way trip

PeaceHealth Cottage Grove Community Medical Center, PeaceHealth Harbor Medical Center, PeaceHealth Sacred Heart Medicare Center at RiverBend, PeaceHealth Sacred Heart Medical Center University District, Kaiser Sunnyside Medical Center, Kaiser Permanente Westside Medical Center

$325 per day for days 1 through 4 No charge for the remainder of your stay

$90 copay worldwide coverage

$0

$0 Primary/$25 Specialist

Over 3,000 network providers

$3,000

$49

Kaiser Permanente Senior Advantage (HMO) Standard Lane

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

$250 per one-way trip

PeaceHealth Cottage Grove Community Medical Center, PeaceHealth Harbor Medical Center, PeaceHealth Sacred Heart Medicare Center at RiverBend, PeaceHealth Sacred Heart Medical Center University District, Kaiser Sunnyside Medical Center, Kaiser Permanente Westside Medical Center

$450 per day for days 1 through 4 No charge for the remainder of your stay

$90 copay worldwide coverage

$0

$5 Primary/$40 Specialist

Over 3,000 network providers

$4,100

$0

Kaiser Permanente Senior Advantage (HMO) Value Lane

MEDICARE GUIDE LANE COUNTY 2021


Website & Other Phone Numbers

Service Areas

Other Details

Members

Mental Health Therapy

Hearing Exams & Hearing Aids

Vision

Prescription Drug Copay/ Deductible

Prescription Drug Plan

Skilled Nursing Care

(844) REGENCE; Regence.com/Medicare

Clackamas, Lane, Multnomah, Washington

$0 Medical Deductible, Fitness Membership, Acupuncture, Chiropractic, Naturopathy, Theraputic Massage, Over the Counter pharmacy allowance, Palliative 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 prescriptions if filled by Mail Order or 3 Month supply

Integrated Part D Benefit

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

200+

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

Included

$0 days 1-20 / $160 days 21 - 100 in-network 30% out-of-network

503-574-5551; 800-457-6064; TTY: 711; Oct. 1 through Dec. 7, 8 a.m. to 8 p.m., 7 days a week (Pacific Time); ProvidenceHealthAssurance.com

Lane county

503-574-5551; 800-457-6064; TTY: 711; Oct. 1 through Dec. 7, 8 a.m. to 8 p.m., 7 days a week (Pacific Time); ProvidenceHealthAssurance.com

Lane County

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

4,400+

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: 29% coinsurance

Included

$0 days 1-20 $184 days 21 - 100

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

Lane 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

$0 indivdual session copay

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

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

No deductible $4 preferred generic (Tier 1) $10 generic (Tier 2) $40 preferred brand-name (Tier 3) $93 nonpreferred brand-name (Tier 4) 30% specialty (Tier 5) $0 injectable Part D vaccines (Tier 6)

Integrated Part D drug benefit

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

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

Lane 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: $40. Hearing aids not covered. See “Other Detials”

Routine eye exam: $40. See “Other Detials”

No deductible $4 preferred generic (Tier 1) $10 generic (Tier 2) $40 preferred brand-name (Tier 3) $93 nonpreferred brand-name (Tier 4) 29% specialty (Tier 5) $0 injectable Part D vaccines (Tier 6)

Integrated Part D drug benefit

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

MEDICARE GUIDE LANE COUNTY 2021

MEDICARE GUIDE LANE COUNTY | NOVEMBER 2020

7


MEDICARE GUIDE LANE COUNTY 2021

Breaking down the parts of Medicare Medicare is the federal health insurance program for: • 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)

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

Part A • hospital Insurance

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

Part B • medical Insurance

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

Part D • prescription drug

coverage

Helps cover the cost of prescription drugs, including many recommended shots or vaccines. Medicare drug coverage helps pay for prescription drugs. To get this coverage, you must join a Medicare-approved plan

Award-winning care you can count on

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

Continued from p. 5 oped 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.” 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!’”

Resources Named among the Top 15% in the Nation for Outstanding Patient Experience™ by Healthgrades® in 2020.

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.

MEDICARE GUIDE LANE COUNTY 8 | NOVEMBER 2020


Holiday

with the Grandkids!

T

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.

  NORTHWEST 50 PLUS SOUTH VALLEY  |  NOVEMBER 2020 9


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

Instructions

4 1/2 cups Powdered Sugar 1 1/2 cups Butter soft 1 tsp Vanilla Extract 2 - 3 Tbsp Milk or Cream (if needed)

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.

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Medicare Guide

Linn Benton Counties Edition November 2020

2021

Open Enrollment Now Through Dec 7 2020

INSIDE

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

PHP_AEP-2021_NW50Plus_7.5x1.75_FindPlan_091620

Discover True Health

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   NORTHWEST 50 PLUS SOUTH VALLEY  |  NOVEMBER 2020 19 9/16/20


MEDICARE GUIDE 2021 LINN BENTON COUNTIES

Year One Medicare √ list

2 3

M

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

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.

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.

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.

And, yes: it’s time to think about Medicare. Following is a √ list for that first year.

1

4

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.

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

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.

5

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

Sourced from medicare.gov.

Medicare Questions • Plan Options • Enrollment

2021 United Healthcare Medicare Sales Meetings

Comfort Suites Becky’s Office MBVA Building 550 S. Main Street 1139 Salem Ave. SE of Albany Albany, OR 97321

Lebanon, OR 97355

9 a.m. - 1 p.m.

Please call to reserve your seat.

100 Opal Court NE Albany, OR 97322

Every Mon. Tues., Nov. 3 Wed., Nov. 4 and Thurs. 10 a.m. - 12 p.m. 10 a.m. - 12 p.m. Now - Dec. 7 Capacity 24 Capacity 20 Please call to reserve your seat. Please call to set appointment.

Questions about Medicare? Questions about Medicare? Open for individual weekHELP! I CAN HELP! appointments 7 days IaCAN

Drop ins Medicare welcome if space allows. All protocols forMedicare COVID-19 be•followed. Questions • will Plan Options Enrollment Questions • Plan Options • Enrollment 2020 United Healthcare Medicare Sales Meetings

2020 United Healthcare Medicare Sales Meetings

Becky Lippmann Broadway Coffeehouse -Stayton Room

Broadway Coffeehouse -Stayton Room 1300 Broadway St. NE, Suite 100 • Salem, OR 97301

Independent Medicare Broker/Agent

541-914-6263

Space is limited • Please RSVP to reserve a seat

Becky Lippmann

beclippmann@yahoo.com Call today Becky Lippmann becky-lippmann-independent-medicare.business.site Space is limited • Please RSVP to reserve a seat

Independent Medicare Broker/Agent Licensed in Oregon and Washington

Call today

2

541-914-6263

Independent Medicare Broker/Agent Licensed in Oregon and Washington

541-914-6263 beclippmann@yahoo.com

becky-lippmann-independent-medicare.business.site

MEDICARE GUIDE LINN-BENTON COUNTY | NOVEMBER 2020 beclippmann@yahoo.com

December 2020

Tuesday, October 22 • 10 a.m. to noon Tuesday, October 29 • 10 a.m. to noon Tuesday, November 5 • 10 a.m. to noon Tuesday, November 12 • 10 a.m. to noon

1300 Broadway St. NE, Suite 100 • Salem, OR 97301

Tuesday, October 22 • 10 a.m. to noon Tuesday, October 29 • 10 a.m. to noon Tuesday, November 5 • 10 a.m. to noon Tuesday, November 12 • 10 a.m. to noon

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Now more than ever, a trusted name and peace of mind matter.

Get to know the only locally-managed Medicare Advantage plans. Call 800-832-4580 or visit medicare.samhealthplans.org

Samaritan Advantage Health Plan is an HMO with a Medicare contract. Enrollment in Samaritan Advantage Health Plan depends on contract renewal. Samaritan Health Plans complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability or sex. ATENCIÓN: si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. Llame al 800-832-4580 (TTY: 1-800-735-2900).

H3811_156113-0920_M


Skilled Nursing Care

Ambulance

Choice of Hospitals

Hospitalization

Emergency Care, USA/ Foreign

Routine Physical Exams

Per Doctor Visit

Choice of Doctors

Maximum Out-of-pocket (MOOP)

Monthly premium

$0 copay per day for days 1-20 $165 copay per day for days 21-45 $0 copay for days 46-100

$250 copay per one-way trip by ground

Samaritan, OHSU, PeaceHealth, Legacy, Salem Hospital, Providence, Riverbend

$350 copay per day for days 1-5 $0 copay after day 5

Worldwide $90 copay per emergency care visit

$0 copay per exam

$10 copay per primary care visit $20 copay per specialist visit

In-Network

$4,600

$70

Samaritan Advantage Conventional Plan (HMO)

$0 copay per day for days 1-20 $165 copay per day for days 21-45 $0 copay for days 46-100

$250 copay per one-way trip by ground

Samaritan, OHSU, PeaceHealth, Legacy, Salem Hospital, Providence, Riverbend

$350 copay per day for days 1-5 $0 copay per day for days 6-90

Worldwide $90 copay per emergency care visit

$0 copay per exam

$10 copay per primary care visit $30 copay per specialist visit

In-Network

$4,600

$35

Samaritan Advantage Premier Plan (HMO)

$0 copay per day for days 1-20 $160 copay per day for days 21-60 $0 copay for days 61-100

$250 copay per one-way trip by ground

Samaritan, OHSU, PeaceHealth, Legacy, Salem Hospital, Providence, Riverbend

$325 copay per day for days 1-5 $0 copay per day for days 6-90

Worldwide $90 copay per emergency care visit

$0 copay per exam

$5 copay per primary care visit $30 copay per specialist visit

In-Network

$4,600

$129

Samaritan Advantage Premier Plan Plus (HMO)

$0 days 1 - 20 / $160 days 21 - 100

$250

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

Inpatient hospital care: Days 1 - 5 $350/ day; Days 6 and beyond: $0/day

Emergency $90

Annual physical exam: $0

Primary Care: $15 Specialist Visit: $40

Provider in-network: 10,000+

$5,000

$147

Providence Health Enrich + RX

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

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

$275 per transport

Albany General, Good Sam Corvallis, Samaritan Lebanon, and others throughout our service area

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

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

$0 Copay

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

Over 14,000

$6,200

$19

Regence Linn/Benton Primary PPO

MEDICARE GUIDE 2021 LINN BENTON COUNTIES


Website & Other Phone Numbers

Service Areas

Other Details

Members

Mental Health Therapy

Hearing Exams & Hearing Aids

Vision

Prescription Drug Copay/ Deductible

Prescription Drug Plan

medicare.samhealthplans.org 800-832-4580

Benton, Lincoln and Linn counties

$0 medical deductible, 24/7 Nurse Advice Line, Preventative dental coverage, General acupuncture, Supplemental chiropractic, Only locally-managed Medicare Advantage plans

200+

$20 copays for individual therapy and outpatient group therapy visits

$20 copay for routine hearing exam (1 per year) $25 copay for Medicarecovered hearing services

$20 copay per visit for routine eye exams (1 per year) and exams to diagnose and treat conditions of the eye

N/A

No

medicare.samhealthplans.org 800-832-4580

Benton, Lincoln and Linn counties

$0 medical deductible, Expanded fitness benefit for 2021, 24/7 Nurse Advice Line, General acupuncture, Supplemental chiropractic, Lower premium three years in a row! Only locally-managed Medicare Advantage plans

2,500+

$30 copays for individual therapy and outpatient group therapy visits

$20 copay for routine hearing exam (1 per year) $25 copay for Medicarecovered hearing services

$0 copay per visit for routine eye exams (1 per year) $30 copay for exams to diagnose and treat conditions of the eye $125 eyewear benefit every calendar year for contact lenses or eyeglasses

Initial Coverage Stage 1 month supply Tier 1: $3 copay maximum Tier 2: $9 copay maximum Tier 3: $47 copay maximum; $200 Rx deductible Tier 4: $100 copay maximum; $200 Rx deductible Tier 5: 29% coinsurance; $200 Rx deductible Tier 6: $0 copay

Yes

medicare.samhealthplans.org 800-832-4580

Benton, Lincoln and Linn counties

$0 medical deductible, $1,000 comprehensive dental benefit, Expanded fitness benefit for 2021, 24/7 Nurse Advice Line, Additional Rx Gap coverage, General acupuncture, Supplemental chiropractic, Only locally-managed Medicare Advantage plans

2,800+

$30 copays for individual therapy and outpatient group therapy visits

$10 copay for routine hearing exam (1 per year) $0 copay for Medicarecovered hearing services $500 benefit every calendar year for hearing aids and supplies

$30 copay per visit for routine eye exams (1 per year) $30 copay for exams to diagnose and treat conditions of the eye $125 eyewear benefit every calendar year for contact lenses or eyeglasses

Initial Coverage Stage 1 month supply $0 Rx deductible Tier 1: $3 copay maximum Tier 2: $9 copay maximum Tier 3: $47 copay maximum Tier 4: $100 copay maximum Tier 5: 33% coinsurance Tier 6: $0 copay

Yes

503-574-5551; 800-457-6064; TTY: 711; Oct. 1 through Dec. 7, 8 a.m. to 8 p.m., 7 days a week (Pacific Time); ProvidenceHealthAssurance.com

Benton, Linn

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

75+

Individual or group session: $40

Routine exam 1/year: $0 in-network Hearing aids: $699/$999 in-network

Routine exam 1/year: $75 allowance Glasses & contacts: $250 allowance/year

Deductible: $325 Preferred generics: $4 Generics: $13 Preferred brand: $47 Non-referred drug: $100 Specialty drugs: 27% coinsurance

Included

(844) REGENCE; Regence.com/Medicare

Benton, Columbia, Coos, Curry, Douglas, Jackson, Josephine, Lincoln, Linn, Marion, Polk, Yamhill & Clark (WA)

$0 Medical Deductible, Fitness Membership, Acupuncture, Chiropractic, Naturopathy, Theraputic Massage, Over the Counter pharmacy allowance, Palliative 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 prescriptions if filled by Mail Order or 3 Month supply

Integrated Part D Benefit

MEDICARE GUIDE 2021 LINN BENTON COUNTIES


5 things to consider MEDICARE GUIDE 2021 LINN BENTON COUNTIES

when choosing coverage

1

How much are premiums, deductibles, and other costs?

How much will you pay for services like hospital stays or doctor visits? Is there a yearly limit on what you could pay out-of-pocket for medical services? With Original Medicare, there’s no limit on how much you pay out-of-pocket per year unless you have supplemental coverage. With Medicare Advantage, plans have a yearly limit on out-of-pocket costs.

2

How well does the plan cover the services you need?

Original Medicare covers medical services and supplies in hospitals, doctors’ offices, and other healthcare settings. Services are either covered under Part A or Part B. Medicare Advantage Plans must cover all step services Original Medicare covers. Some plans offer benefits that Original Medicare doesn’t cover, like vision, hearing or dental.

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MEDICARE GUIDE LINN-BENTON COUNTY | NOVEMBER 2020

3

How does other/pre-existing health or prescription coverage work with Medicare?

Supplemental coverage such as a Medigap policy, can be added to your plan to help cover out-of-pocket costs in Original Medicare, like deductibles and coinsurance. For supplemental coverage it may be most cost effective to join a Medicare Advantage Plan because your cost-sharing is lower (or included). Many offer vision, hearing and dental. You can’t use (and can’t be sold) a Medigap policy if you’re in a Medicare Advantage Plan.

4

Do you need to join a Medicare Prescription Drug Plan?

There are numerous questions to consider on this subject, including: • Do you already have creditable prescription drug coverage? • Will you pay a penalty if you join a drug plan later? • What’s the plan’s overall star rating? What will your prescription drugs cost under each plan? • Are your drugs covered under the plan’s formulary?

5

Do your doctors accept the coverage?

Are the doctors you want to see accepting new patients? Do you have to choose your hospital and healthcare providers from a network? Do you need to get referrals? Sourced from Medicare.gov


For the

of Pets

Holiday helpers by Christy Doherty

W

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!

  NORTHWEST 50 PLUS SOUTH VALLEY  |  NOVEMBER 2020 11


Gathering for fitness created lasting bonds

C

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. 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.”

12 NORTHWEST 50 PLUS SOUTH VALLEY | NOVEMBER 2020

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.


For the

of Pets 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 multi-cat 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

ACCEPTING APPLICATIONS to our Waiting List at

Adopt Don’t Shop

Stillwater Apartments in Lebanon, Oregon

Local Rescues & Shelters Cat Rescue & Adoption Network Springfield catrescues.org 541-225-4955 First Avenue Shelter Eugene green-hill.org/ 1st-avenue-shelter 541-689-5261 Greenhill Humane Eugene green-hill.org 541-689-5261 Safehaven Humane Tangent safehavenhumane. org 541-928-2789

Affordable Housing for Seniors 55+ SMOKE FREE PROPERTY 1 & 2 Bedroom Units Call 541-258-8690 TTY: 1-800-735-2900 or dial 711 Water, Sewer, & Garbage Paid Laundry Facilities Community Room Social Services Office On-Site Van Shuttle Applicants must meet current income limits for LIHTC Program. Applications can be picked up inside the entrance at: 1811 S. 2nd Street | Lebanon, Oregon Stillwater Apartments of Lovelace Properties LLC comply with Federal, State, and Local Fair Housing regulations, housing persons without regard to race, color, national origin, religion, gender, familiar status, or disability. We do not discriminate on the basis of disability status in the admission or access to, or treatment, or employment in, Federal, State, or Local assisted programs and activities. Interpretive services may be available upon request.

  NORTHWEST 50 PLUS SOUTH VALLEY  |  NOVEMBER 2020 13


Classifieds UNITS FOR RENT HUD SUBSIDIZED STUDIO AND ONEBEDROOM WAIT-LIST IS OPEN FOR NEW APPLICATIONS FOR PEOPLE 62 AND OVER. PET FRIENDLY, RENT INCLUDES W/S/G. JASON LEE MANOR IS A NON-PROFIT, EQUAL HOUSING, 75 UNIT APARTMENT COMPLEX. 1551 CENTER ST NE, SALEM, OR. 503-585-6511.

WANTED CASH FOR GOOD CONDITION RELOADING EQUIPMENT & SUPPLIES. 541-905-5453. DIABETIC TEST STRIPS WANTED. PAYING TOP DOLLAR! FREE LOCAL PICKUP. CALL SHARON, 503-679-3605. BASEBALL & SPORTS MEMORABILIA WANTED. BUYING OLD CARDS, PENNANTS, AUTOGRAPHS, PHOTOGRAPHS, TICKETS, PROGRAMS, PACIFIC COAST LEAGUE, ETC. ALAN, 503-481-0719. PRE 1980 SPORT & NON-SPORT CARDS, VINTAGE MODEL KITS, .10¢/.12¢ COMICS;PRE 1960 PULP MAGAZINES. CALL GORDON 503313-7538.

FRIENDSHIP ADS

CLASSIFIED AD RATES

RETIRED SWF (73 YEARS YOUNG), DESIRES SWM, (70-75) WHO ENJOYS TRAVEL, MUSIC, DANCING AND CASINOS. WOULD LIKE TO FIND SOMEONE TO SHARE MY SENIOR YEARS WITH. GRESHAM/PORTLAND AREA. #5753

PRIVATE PARTY 

25

$

Up to 20 words. $1.75 per extra word.

COMMERCIAL, REAL ESTATE 

50

$

Up to 20 words. $2.50 per extra word.

CEMETERY PLOTS 

60

$

Up to 20 words. $2.50 per extra word.

FRIENDSHIP ADS 

40

$

Up to 30 words.

ADVENTUROUS, KIND, LOVING, AFFECTIONATE, NON-MATERIALISTIC, N/S, FUN, FIT, DWM, 59, SEEKS CF 50-70 FOR BEACH WALKS AND TALKS. WHAT’S YOUR INITIAL MEET IDEA? #5754

FRIENDSHIP AD ABBREVIATIONS M = Male F = Female S = Single D = Divorced W = White A = Asian B = Black H = Hispanic J = Jewish C = Christian N/S = Non-smoker N/D = Non-drinker ISO = In Search Of

LTR = Long Term Relationship WW = Widowed White WB = Widowed Black WA = Widowed Asian WH = Widowed Hispanic LGBT= Lesbian/Gay/ Bisexual/Transgender

TO RESPOND TO A FRIENDSHIP AD:

Write the number of the ad you are responding to on the OUTSIDE of the envelope and mail to: Northwest50Plus, PO Box 12008, Salem, OR 97309.

To submit your ad, email to classifieds@Northwest50Plus.com or call 1-877-357-2430.

EQUAL HOUSING OPPORTUNITY

All real estate advertising in this magazine is subject to the Fair Housing Act which makes it illegal to advertise “any preference limitation or discrimination based on race, color, religion, sex, handicap, familial status, or national origin, or an intention to make any such preference, limitation or discrimination.” Familial status includes children under the age of 18 living with parents or legal custodians; pregnant women and people securing custody of children under 18. This magazine will not knowingly accept any advertising for real estate which is in violation of the law. Our readers are hereby informed that all dwellings advertised in this magazine are available on an equal opportunity basis. To complain of discrimination, call HUD toll-free at 1-800-669-9777. Toll-free for the hearing impaired is 1-800-927-9275.

Help Wanted

Account Exec

Northwest 50 Plus is seeking an organized, people-loving account executive. The 50+ market is thriving and will continue to grow. Come grow with us! Send letter of interest to jmccammon@northwest50plus.com

Retirement Living Bayberry Commons

Bayberry Commons offers an active community with experienced and friendly staff. We feel this Assisted Living & Memory is your home and your privacy is paramount Care Community while under our care. We provide a unique 2211 Laura Street resident based service helping to ensure your Springfield, OR 97477 independence. We are an Assisted Living and 541-744-7000 Memory Care Community. No Buy-In. Patty Neuman, Administrator Pneuman@bayberrycommonsalf.com 48 Assisted Living units - Studio: $3,995, 1 BR: $4,595, 2 BR: $4,995. Second person: $800. www.bayberrycommonsalf.com 14 Memory Care units - Private BA: $5,495, aHTUPM Shared BA: $5,195. Units are available!

Terpening Terrace

Resort Style Retirement 50 Ruby Avenue Eugene, OR 97404 541-689-0619 800-818-7518 Donna www.terpeningterrace.com

iHTUP

Enjoy an independent lifestyle & unparalleled service; ALL-DAY dining, on demand transportation, activity & social programs, weekly housekeeping & linen service, private dining room, libraries, community kitchens, TV theater, fitness center, computer room, game rooms, beauty shop, rec. room, interior courtyard w/ walking paths, underground parking, & 24-hr. staffing. Call for a complimentary lunch & tour. No buy-in or long term lease, 94 Units , Luxury Studio, 1&2 Bedroom, Apartment Homes.

Amenities: Independent Living  Assisted Living/RCF/Foster Care   Housekeeping Transportation   Utilities Included   Planned Activities   Memory Care 14 NORTHWEST 50 PLUS SOUTH VALLEY  |  NOVEMBER 2020


Retirement Living At Evergreen Independent Living, be prepared to open your heart, expand your mind, liberate your soul and deepen your life’s journey all in a supportive community. You’ll enjoy the opportunities of a communal environment while staying independent of care as long as you like or are able. If or when you might need some assistance, you have a support system and care team at the ready that already know you, your preferences, and your personality and you know them! We offer weekly housekeeping, routine maintenance, scheduled transportation, dining services, and social and recreational activities. Contact us today for a complimentary lunch and tour of our community.

Evergreen Independent Living 3850 Everest Loop Eugene, Oregon 97402 541.607.9525 www.evergreeneug.com

IAHTUPM

At Evergreen Assisted Living, we are a place of vibrancy and life, promoting meaning and joy in the lives of residents, families, and our team members. Elders inspire us, motivate us, guide, and direct us. As we work to create an empowering, caring, growing culture for elders, we are also creating our own future. After all, we are all elders-in-waiting. At our community, we offer weekly housekeeping, routine maintenance, scheduled transportation, dining services, and social and recreational activities. Contact us today for a complimentary lunch and tour of our community.

Evergreen Assisted Living 3760 N Clarey Eugene, Oregon 97402 541.607.9525 www.evergreeneug.com

IAHTUPM

At Evergreen Memory Care, you will have an opportunity to make your contribution to our family, which makes Evergreen Memory Care the distinctive place that it is. It is people that make a community. We are a place of vibrancy and life, promoting meaning and joy in the lives of our residents, families, and our team members. We recognize that people make all the difference and by treating people with respect, trust, care, and good humor, it can be quite contagious. We offer 24 hour care, coordination with health care providers, licensed nurse oversight, complimentary laundry, basic utilities, scheduled transportation, social and therapeutic activities. Contact us today for a complimentary lunch and tour of our community.

Evergreen Memory Care 3720 N Clarey Eugene, Oregon 97402 541.689.3900 www.evergreeneug.com

IAHTUPM

Assisted living community located within short distance of local shopping center. We offer 3 delicious meals daily, weekly housekeeping & linen services, social/recreational programs, scheduled transportation in our van and a full range of personal services available should you need them.

Timberhill Place 989 N.W. Spruce Street Corvallis, OR 97330 541-753-1488 Robin Bemrose

No Buy-In, 60 Units We offer 9 styles of apartments including 2 BR/2 BA apartments.

aHTUP Timber Pointe Senior Living

Independent and Assisted Living 4865 Main Street Springfield, OR 97478 541-284-2865 www.timberpointesl.com

IAHTUP

We are an independent living and assisted living community guided by goodness, loyalty, faith, and fun! We believe in the power of relationships, caring for one another in partnership, bringing a sense of joy and fulfillment to both the elder and the team helping to care for them. Join us for lunch and a visit! No Buy-In or long-term lease. Luxury apartments and cottages. Units are available!

Amenities: Independent Living  Assisted Living/RCF/Foster Care   Housekeeping Transportation   Utilities Included   Planned Activities   Memory Care   NORTHWEST 50 PLUS SOUTH VALLEY  |  NOVEMBER 2020 15


Moving people since 1989

“No Job too Small” Piano & Safe Specialist

Scott Hahn

Serving all of Lane, Linn & Benton Counties

541-285-5392 or

541-461-2101

541-461-0632

25% OFF THE AARP SMART DRIVER

Cold weather tune up reg. $149 With your SENIOR DISCOUNT only $119 Tune up includes identifying existing or potential problems that can cause an unexpected breakdown

ONLINE COURSE

Refresh your driving skills from home and you could earn a discount on auto insurance. Register at: aarpdriversafety.org

No Risk Guarantee 24 Hour Emergency Service Call Today!

Use promo code: DRIVINGSKILLS

CCB# 47396

50

“Mention this ad and your joining fee will be waived!”

PR

50

ulous 50+ Travel Club b a “Let’s explore F

OO

the world together!”

EMBRACE YOUR ENCORE

FOR MATURE, ACTIVE TRAVELERS

F

* Day trips * Regional Tours *Bucket List Trips * Monthly meetings

Senior Living that embraces many levels of care, Woodside Senior Living offers a wide range of amenities plus a care team that is at your fingertips 24 hours a day.

* Single traveler match up program * $50 joining fee Meeting and Trip Details at www.lapofluxurytravelandcruises.com

a Compass Senior Living community

541-600-8834

Lap of Luxury Travel and Cruises

50 Because you deserve some pampering! 50

971-304-7464 www.MAO-NW.com

16 NORTHWEST 50 PLUS SOUTH VALLEY  |  NOVEMBER 2020

4851 Main Street • Springfield, OR 541.747.1887 • woodsidesl.com


Evergreen S E NI O R

LIV IN G

The Care You Need

FOR THE LIFE YOU WANT Assisted Living for 55+ Senior Community

>> 24 hour care team on-site >> Renovated apartments available >> Weekly cleaning service included >> Complimentary laundry facilities >> Chef prepared meals

A SAVINGS O

F

$2,000

Move-in fee w

aived

Ends Dec. 31

, 2020

CALL FOR A VIRTUAL TOUR 541-607-9525

3760 N. Clarey St., Eugene, OR evergreeneug.com Guided by goodness, loyalty, faith, and fun.

Assisted Living for Seniors 55+

sayhello@evergreeneug.com

a Compass Senior Living community

  NORTHWEST 50 PLUS SOUTH VALLEY  |  NOVEMBER 2020 17


Discover

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. H9047_2021PHA44_M 32 NORTHWEST 50 PLUS SOUTH VALLEY  |  NOVEMBER 2020

Profile for Northwest50Plus

Northwest 50 Plus South Valley Edition November 2020  

Your companion for living well in the Northwest.

Northwest 50 Plus South Valley Edition November 2020  

Your companion for living well in the Northwest.