Hammer & Nails | Men’s Grooming Shop • Advertising partner since 2018
We have had incredible results from advertising in Jody’s South County Magazine. By far the best ROI for our investment. Jody and her team consistently go the extra mile to support their sponsors and advertisers and has been an integral part of growing our HAMMER & NAILS business since we opened in 2018 in Laguna Niguel.
MICAH MEIRING
Doheny Bike
• Advertising Partner since 2020
EXPERT CONTRIBUTORS
Jay Minor
Assisted
Living Locators
Certified Senior Advisor®, a licensed RCFE Administrator and is Dementia Care Certified®, Jay is the owner of Assisted Living Locators of South Orange County. Jay is passionate about helping seniors and their families navigate the challenging and often confusing process of finding the right assisted living or memory care situation.
Tanya Dall, MD
Renew Ketamine Infusion
A Board-Certified Emergency Medicine Physician, Dr. Dall is also on staff at the Level 2 Trauma center Providence Mission Hospital. She earned her medical degree from Georgetown University and completed her Emergency Medical residency training at UC Irvine.
Justin Yanuck, MD
Renew Ketamine Infusion
Double Board-Certified in Emergency Medicine (UC Irvine) and Pain Medicine (Harvard Massachusetts General Hospital). He believes Ketamine-assisted therapy, for the right patient, can be a transformational treatment option.
ENZO SCOGNAMIGLIO
Brio Tuscany Grille
• Advertising Partner since 2012
We have been consistently participating in every issue and are very pleased with our experience. Jody and her team truly care about helping our business continue to succeed. If you are interested in reaching the South County community, I am absolutely thrilled to recommend Jody and her fabulous team!
We struck gold when we started advertising with Community Publications. We know exactly when the publications arrive in mailboxes because our phones ring off the hook and we are slammed with new business. We are extremely pleased with the response! For Info on Advertising + Complimentary Editorial - Call Jody at (714) 469-3495
Stephanie Frisch Insurance Services 101
Serving Medicare eligible individuals since 2010, Stephanie has helped thousands review their options and helped them start the Medicare enrollment process and helps existing Medicare beneficiaries with their options in making changes to their current coverage.
Peter Prescott, CPA
Prescott Tax & Wealth Management
Founder and Owner, Peter has a Master’s in Taxation, Advanced Financial Planning designations, Accredited Investment Fiduciary designation, Registered Securities Principal, B.S. in Business from U.C. Berkeley, Insurance Agent and Price Waterhouse alumni.
Grant Prescott, CPA
Prescott Tax & Wealth Management
Director of Financial Planning + Investments, Grant is a Registered Securities Principal and most recently passed his Certified Financial Planner exam. He trained as a CPA at Ernst & Young where he conducted financial audits of the top Silicon Valley hedge funds, private equity, and venture capital firms.
Kristy Fleming, MD
Fleming Dermatology & Aesthetic Center
Dr. Fleming is board-certified Dermatologist by the American Board of Dermatology, Fellow of the American Academy of Dermatology, Fellow of the American Society for Mohs Surgery, and a member of the American Society for Laser Medicine and Surgery.
DON’T MISS YOUR CHANCE TO SECURE YOUR MEDICARE COVERAGE
Secure your health for 2025! Act now during Open Enrollment to choose a Medicare plan that fits your needs and budget before the December 7 deadline.
As Open Enrollment nears its end on December 7, it’s important to remember that the healthcare decisions you make today will have a lasting impact on your well-being throughout the next year. You’ve worked hard your whole life, and you deserve healthcare that works hard for you in return, and with recent updates to Medicare Part D, there’s a lot to consider when it comes to prescription drug coverage.
Here are some important changes to Medicare Part D that could affect your plan and prescription coverage:
• Cap on Out-of-Pocket Costs: Starting in 2024, annual out-of-pocket drug costs will be capped at $2,000. After reaching this limit, no further costs apply for in-formulary medications, though some plans may only cover generics.
• Elimination of the Coverage Gap (Donut Hole): In 2025, the “donut hole” will be eliminated, moving to a three-phase structure: deductible, initial coverage, and catastrophic coverage. Some plans may still limit certain drugs to generics.
• Drug Price Negotiations: Medicare will begin negotiating prices for 15 specific Part D drugs, starting in 2025. This aims to lower costs for beneficiaries and improve access to essential medications.
• Drug Deductibles: Some plans may introduce new drug deductibles of up to $590 in 2025. Be sure to check your plan's details to avoid unexpected costs.
• Changes in Medications Formulary and Tier Levels: High-tier medications may have higher costs and deductibles. Ensure your medications are on your plan’s formulary; off-formulary drugs won’t count toward the $2,000 out-of-pocket cap and could require full retail payment.
• Reduction in Plan Benefits: Many plans are reducing their benefits. It is crucial to review the 2025 Summary of Benefits for any changes that could impact your healthcare coverage.
• Discontinuation of Certain Plans: Some plans, like UHC’s $42 PPO and Alignment 007 PPO, will no longer be available in 2025. Affected beneficiaries will be automatically transitioned to traditional Medicare. I’m here to help you navigate this change and explore new coverage options.
• MemorialCare Acceptance of Plans: MemorialCare may no longer accept some plans from Alignment and Clever starting January 1, 2025. To continue receiving care through MemorialCare, I’m available to assist you in finding the best options to meet your healthcare needs.
You can visit memorialcare.org/MAEP24 or contact me at (877) 599-5622 for assistance. Don’t wait—take action today to secure the best healthcare coverage for you in 2025.
Jose Juarez, Medicare education specialist, MemorialCare
Tax Planning vs. Tax Preparation: What’s the Difference & What Type of Firm Do You Need?
By Peter D. Prescott CPA, Masters in Taxation
Prescott Tax & Wealth Management (PTWM) is an Orange County based tax and wealth management firm that is dedicated to making a difference in our clients’ personal and professional lives. The firm caters to high-net worth individuals and small business owners who want and deserve a more comprehensive approach to their financial affairs.
Now before we describe the key differences between tax planning and tax preparation firms, we want to encourage you to ask yourself a few important questions:
1. Do you meet with your CPA more than once a year?
2. Does your CPA proactively assist with tax-mitigation strategies throughout the year?
3. Does your CPA update you on key tax law changes?
4. Are you able to communicate and meet with your CPA outside of “tax season?”
Unfortunately, for most, the answers to the above questions are no, and there is a critical need for the aforementioned services, especially for high-net-worth individuals and business owners.
What’s the Difference?
Tax preparation focuses on completing and filing necessary forms during tax season, aiming to comply with state and federal laws correctly and in a timely manner. This process typically occurs once a year, post the close of the financial year. This step is necessary and extremely important, especially in the eyes of the IRS; however, it’s just one piece of the pie.
Tax planning is a year-round process that goes beyond compliance, aiming to maximize tax savings and minimize penalties for clients. It considers past filings, current financial situations, and future goals, requiring ongoing communication between the client and their tax planner. Tax planning is a more comprehensive, long-term strategy that sets plans for both immediate and future financial benefits.
What Type of Firm Do You Need & What Are the Benefits of Tax Planning?
If you own and operate a business, are a highnet worth individual, own real estate and/
or looking for a comprehensive approach, we believe you would greatly benefit from working with a firm like ourselves that specializes in tax planning services.
If you wait until the last minute, it may be too late to make changes or decisions that lead to meaningful outcomes. When you are engaged in consistent tax planning, you can make decisions throughout the year that provide the following benefits:
1. Reduce liabilities. Identify more opportunities to decrease your tax liabilities so you can potentially pay less in taxes.
2. Maximize deductions. Find tax deductions you may have missed that could decrease your tax liabilities.
3. Improve cash flow. Manage your cash flow by having a better idea of how much you owe in taxes and by making quarterly payments.
4. Maximize retirement contributions. Contributing to retirement accounts not only can reduce taxes, but also improves your retirement probability.
5. Consider tax impact prior to investing. Consider tax regulations and laws while investing your money with the goal of higher after-tax returns.
6. Assist with legal compliance. Avoid making errors that can lead to penalties, interest charges, and expensive audits.
7. Avoid unexpected tax bills. Project your tax liability and make regular
payments so you aren’t caught off guard by a large tax bill.
8. Support estate planning and wealth preservation. Keep an eye on the future by setting up financial plans that can keep wealth in your business or in your family.
9. Gain peace of mind. Stop wondering if you are doing the right things with your money. Work with a professional who can ensure that you are following the rules while maximizing the benefits for your business.
Why Prescott Tax & Wealth Management?
Prescott Tax & Wealth Management is a family business that focuses on holistic tax and financial planning. The firm was founded 27 years ago and is headquartered in San Juan Capistrano. It caters to highnet worth individuals, business owners, individuals with real estate holdings, the 55+ crowd, successor trustees and divorcees and widowed individuals who want and deserve a more comprehensive approach to their financial affairs. PTWM now has 6 CPAs and an Enrolled Agent with over 150 years of combined experience. As a multigenerational firm, we believe our family office approach can provide you with the holistic financial service you deserve.
The Benefits of Using a Local Senior Living Advisor
Whether you are planning ahead or finding yourself faced with an urgent need, the process of finding the right assisted living or memory care community can feel like a daunting task.
How do you know which community will be the right fit? Will your loved one be able to receive the care and attention they need? How do you find the best situation given your budget?
Most of us would do what we normally do nowadays when we need to figure out something new – we Google it. At the very top of any Google search for “assisted living” or “memory care” will be several national web-based companies who promise to help you figure out the options and find the perfect fit.
Many people will gladly enter their phone number and email address in order to receive their custom list of curated options, only to find that these online companies are really just data aggregators, meaning that they will take your information and blast it out to every assisted living facility in the area, or they will sell your information to other advertisers.
Then suddenly, you are receiving 2030 phone calls a day from sales representatives who want you to come in for a tour. And you’re right back to feeling overwhelmed and lost in a sea of options.
Another disadvantage of using a national web-based company is that they often make questionable recommendations. In a recent article by the Washington Post, it was discovered that 37.5% of one company’s recommendations were found to have major safety and care violations. Yet those recommendations had scored high on the web-based company’s internal measuring system.
A local senior living advisor is the better choice when facing such a chal-
lenging decision. Here are some of the benefits of a local senior living advisor:
Personalized & Localized Service
• In-depth Needs Assessment
○ What are your care needs?
○ What part of town would you like to be in?
○ What kind of amenities do you like?
○ What is your budget range?
• Personalized Roadmap – a customized plan to match your particular needs
• Selection Assistance – hands-on help and guidance as you review services and amenities
• Tour Assistance – They will often personally accompany you on every tour to help facilitate the process and answer questions
• Transition Support to make the move smooth and worry free
• Clients For Life – we will continue to check in on your throughout your residency at whatever community you choose.
A local advisor is the expert in their local area. They know the places with
great reviews and attentive staff, as well as knowing which properties might not be providing great service at the moment. They have strong community connections and can provide recommendations for other experts in the senior space from movers to organizers, from real estate agents to elder law attorneys.
Your local advisor is the one who now makes all the phone calls, sets up all the tours, and personally interfaces with the sales representatives from whatever communities you are considering.
Often, our clients are facing this decision because of an immediate need or crisis. Emotions are often high and the stress levels can be through the roof. A local senior living advisor can be your partner and your advocate through this whole process, eliminating a lot of unnecessary stress so you can give more of your energy to caring for your loved one.
Each advisor has agreements with hundreds of assisted living communities and small private care homes to receive a referral fee from whatever community the client eventually chooses, enabling the advisor to of-
fer their services at no cost for their clients!
There are many reputable and trusted local senior living advisors in Orange County. Please consider the benefits when you are faced with such an important decision.
Jay Minor is the owner of Assisted Living Locators of South Orange County. Jay is passionate about helping seniors and their families navigate the challenging and often confusing process of finding the right assisted living or memory care solution. After 25 years as a pastor, Jay brings compassion, empathy and a strong conviction to be of service to his clients.
A Certified Senior Advisor®, a licensed RCFE Administrator and Dementia Care Certified®, Jay lives with his wife Traci in Ladera Ranch. Together, they have four wonderful adult children and one awesome dog.
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Jay Minor (949) 444-9055
E-mail: jay@assistedlivinglocators.com
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Justin Yanuck, MD and Tanya Dall, MD
Boost Your Brain Health as You Age
By Michelle Thomas and Jim Kordenbrock Jr., Gerontologist
Have you ever been told that your “brain will become less sharp” as you age? Fortunately, this is a myth. In fact, cognitive decline is not inevitable as people age and more importantly, there are things you can do to help your brain as you age.
Research shows that there are steps you can take to reduce your risk of cognitive decline and maintain mental sharpness. Incorporating small, positive changes into your daily routine can help support brain health now and, in the future, promoting long-term cognitive health.
Cognitive health refers to the ability to think, learn, and remember clearly, which is essential for carrying out everyday tasks like driving, managing finances, taking medication, and cooking. It’s just one component of overall brain health, influenced by a variety of factors. While genetics plays a role, environmental and lifestyle factors are key contributors to changes in thinking skills and the ability to perform daily activities. Although you can’t control your genetic makeup, you can manage many other factors that affect your brain health.
The National Institute on Aging defines brain health as how well a person’s brain functions across several areas, including:
• Cognitive health – how well you are able to think, learn, and remember
• Motor function – how well you make and control movements, including balance
• Emotional function – how well you interpret and respond to emotions (both pleasant and unpleasant)
• Tactile function – how well you interpret and respond to sensations of touch, including pressure, pain, and temperature
• Sensory function – how well you see, hear, taste, and detect odors
Age-related brain health can be enhanced by focusing on these six key areas that support cognitive function and overall mental well-being:
1. Movement is key – those who exercise have a lower risk of developing cognitive decline. It also promotes good cardiovascular health, and it improves blood flow to the brain, reduces inflammation, and lowers stress
2. Eat right to fuel the brain – limit red meat and foods high in saturated fats (such as butter, fatty cuts of meat, palm and coconut oils, cookies and doughnuts, and processed meats like sausage and bacon) – these are foods that can also disrupt your sleep. Choose lean meats like fish or skinless chicken, use olive or avocado oils over fatty cooking oils, and try to replace some of the high-sugar sweets with dark chocolate, berries and whipped cream, and frozen fruit bars (you can even have peanut M&M’s from time to time to get some good fat and fiber). Coffee and black and green teas have health benefits, as does red wine in moderation (moderation is defined by the Mayo Clinic as 5 oz. per day)
3. Get some sleep and relaxation – sleeping helps our bodies recover from illness, injury, and stress. During sleep, toxins flush from our brains. Sleep helps us
preserve and consolidate our memory and can also improve learning. Remember to stick to a schedule for rising and going to bed every day – prioritize your sleep! Avoid long daytime naps. See #1 above (get moving!), and avoid food and drink that can disrupt your sleep (see #2 above)
4. Strong social connections -- Enjoying close ties to friends and family, as well as meaningful social activities have brain health benefits. Focus on relationships (relatives, friends, and neighbors) and activities you enjoy the most, and stay connected with people of different ages. Find activities that allow you to learn or pass on skills, such as cooking, tutoring, or volunteering. Love on your pets if you have them, as they are a wonderful source for a loving friendship!
5. Engage your brain -- cognitive reserve develops over time through education, learning, and curiosity. Education and learning can reduce cognitive decline (see #4 above). Engaging your brain in challenging ways improves overall brain health. Consider learning a new language, exploring the arts, volunteering, playing games, etc.
6. Managing stress – stress, unfortunately, is a normal part of life, but how you react to stress is what can impact your brain. Chronic stress can damage areas of the brain that control memory and regulate your mood. Remember to focus on the present and practice positivity and gratitude, give your brain a break and try breathing exercises to relax, keep exercising, and if a problem arises, then focus on the problem at hand, not how it could get worse (no “doomsdaying”).
While the first steps can be daunting, these changes are not insurmountable. In fact, making small, simple changes and building up slowly will make an important difference for your brain health. Set a goal for what you want to achieve in 21 days, as that is how many days it takes to break a bad habit (“brain drains”) and create new ones that are good for your brain health (“brain gains”).
Don’t let the myths of aging get in your way. You can make a choice to take action that will maintain a healthy brain.
Michelle Thomas Irvine - Laguna (949) 418-9176
Jim Kordenbrock, Jr. South Orange County (949) 347-6767
Medicare Part B Costs Increase in 2025
The majority of Medicare beneficiaries don’t’ pay a premium each month for Part A, but they do for Part B. Their Part B premium will be automatically deducted from their social security check and if they aren’t taking social security yet then they get a bill from the Medicare (aka the government). The standard premium for Medicare Part B (outpatient and doctor services) in 2024 was $174.70. In 2025 it will increase to $185.00, and increase of $10.30
The Medicare Part B deductible also increased; from $240 in 2024 to $257 in 2025.
If your modified adjusted gross income (MAGI) is above a certain amount, you will pay an Income Related Adjustment Amount (IRMAA). Medicare uses the modified adjusted gross income reported on your IRS tax return from 2 years ago. The IRS provides this information to Social Security. Notices for your IRMAA amounts have begun to arrive in the mail for 2025, so keep an eye out for that to avoid any surprises in the new year.
There are 5 higher income brackets that cause a person to pay more for their Medicare Part B and an added assessment to their Part D (drug) coverage. In 2025 IRMAA will be assessed when an individual’s MAGI is above $106,000 and a married couple’s MAGI is above $212,000.
Your Project, Your Way
Transforming Your Space with the Stars of Flooring: Floor Coverings International
By Jody Robinson
Over the years since we moved into our (new to us) home, my husband, Tim, and I have embarked on several major home improvement projects. Exterior paint was on the menu, as well as hardwood floors for the living and dining room. I’d like to think we’ve done an admirable job of defining our family’s “style,” laying out options and evaluating flooring samples.
It’s now over a decade later and we’re again contemplating moves to freshen up the dated design in a few spaces. Although Tim is a seasoned pro at coordinating projects, I’m admittedly more than a little intimidated by the process. Which is why I’m happy to have discovered the locally and veteran-owned Floor Coverings International. Justin Schuhardt, who owns the franchise location serving South Orange County, shares the “convenience philosophy” that uncomplicates the endeavor of home-makeovers since the parent company’s inception in 1988.
Justin, who has been helping his OC customers take the stress out of renovating since 2016, is an army veteran and 25-year supply chain professional. I’m certain flooring was an easier issue to navigate than some of the big-
gest logistical challenges of our time, and Justin was equally methodical in choosing which business to represent in following his passion for making homes beautiful.
“I didn’t want it to just be a contractor’s license and check on the table,” he says. “In Flooring Coverings International, I found the perfect match for my future customer’s investment in time, energy, and money.”
And the process couldn’t be easier. Justin and his team of highly trained flooring professionals come to you with a mobile flooring showroom featuring 3000+ design samples. You’ll work with the same team from start to finish to create your ideal space by balancing your vision with budgetary needs and advising on different aspects of each flooring option and the specific installation requirements.
Discover inspiration, style and the perfect products for your project. Choose traditional, mid-century modern, transitional, eclectic. Select carpet, luxury vinyl plank, hardwood or laminate. Then the company’s profes sional flooring contractors work within your busy life to schedule a convenient
time for you. Every aspect of your life will be considered! They’ll move any furniture you need them to, remove and haul away your old flooring, thoroughly prepare the subfloor for your new floors, install your new floor coverings and add new trim if necessary and finally, clean up and remove any excess product.
“We pride ourselves on delivering the professionalism and trust you can count on,” says Justin. “We arrive on time and provide clear project timelines. You’ll receive a down-to-thepenny quote and guarantee that we will not be happy (with the project) until you are.”
Owner Justin Schuhardt
Mary Kay Shelton receives assistance with her list of questions in her beautiful home at The Covington. Jay Levy making sure she remembers all the steps.
In-Home and Walk-Up Tech Support Elevates Connection at The Covington
The Covington, a highly soughtafter, upscale Senior Living community in Aliso Viejo, holds imagination and innovation among its core values. The dedicated team there, continuously seeks ways to expand access to services and support for its 200-plus residents.
Cash Benton, Executive Director at The Covington, recognized a growing need. “We had an overwhelming demand for tech support,” he says. “Residents have various devices - handheld or laptop, desktop or iPads, but there wasn’t a consistent outside service available to assist them.” If residents encountered challenges with their computers or other devices, they had to either arrange tech support on their own or request internal help, which was limited in availability. That’s when a partnership with The Smarter Service became an ideal solution.
The Smarter Service (thesmarterservice.com) provides residents of The Covington with in-home tech support and a convenient walk-up help desk for all their technology needs. “It’s a pilot program that started in August,” Cash says. “We wanted to see what the demand would be like and
how residents would welcome this new service, and we could not have been happier with the outcome and the service.”
The Smarter Service supports residents at every skill and confidence level. “Many of the residents here are extremely tech-savvy,” Cash says. “but, even with their vast array of knowledge, a little extra support goes a long way.”
Residents can schedule in-home visits for personalized help with their devices. Additionally, a Techbar technician is available every Saturday morning in The Covington lobby for walk-up assistance, allowing residents to drop by with tech questions and receive immediate support.
In-home sessions cover a wide range of tech needs – from syncing and setting up devices to file management, app downloads, password resets and more. “Without in-home help, many would either work around the problem, or go without” Cash explains.
The Covington’s goal when introducing the service was to increase resident awareness of the impact technology can have on our lives,
broadening our access to information, and fostering a sense of connection through online access and expertise.
With The Smarter Service program, residents can rely on trusted, regular tech assistance. Cash notes that “in the comfort of their own homes, residents feel more at ease to ask questions, open up about their tech challenges, and actively engage in learning and discovery.”
This has been the experience of Ellie, who has called The Covington home for three years. “We had new WiFi installed,” she says, and her devices weren’t working. “I’m not great with computers, but I’ve got to have it.” Her cellphone and landline were also not working well.
Ellie scheduled time for a tech concierge to come to her home. “I had a list of things I needed help with,” she says. “There was an awful lot on it.” She explains that he looked at the list of items, and “the next time he came back, he had answers to all my questions.”
Ellie says that the Smarter Service tech concierge “is very good and
patient. He’s very understanding. He’s trying to make you self-sufficient.” She says that he doesn’t just want to fix a problem. “He wants me to know what he is doing, so I understand what he has done.”
“Prior to this service, I would rely on my kids or my granddaughter to help me. But they would just fix the problem.” Ellie notes that The Smarter Service “shows me what’s done, then asks me to do it, so I learn.”
Ellie says that she uses technology regularly. “We all live life online now. Not a day goes by that I don’t use a computer, so not having access is a problem.” To get the most from these in-home visits, Ellie recommends understanding precisely what you need. “When you’re having a professional come into your home, you want to be prepared to get the most from the time you have with them.” She says that having access to tech support and having someone who is dedicated to helping her has been a big relief. “It takes away my fear and shows me we can all learn more about technology,” she says.
Alice, a resident of The Covington for about a year, also values the service. “I needed help setting up my new printer and computer, and getting them connected,” she says. She scheduled a few in-home sessions with The Smarter Service, finding it very convenient, and now her devices are working well together.
Alice also has dropped by the Techbar to receive help synching her iPhone, iPad and Apple watch. With so many devices, she finds having access to on-site support invaluable.
oping enrichment classes to launch in the new year. Some sessions will address essential topics like online safety and fraud awareness, while others will cover specific needs, such as operating system updates.
“So far we have more than 100 reviews rating the service at 4.9 out of 5,” Cash says. “It’s an exciting endeavor. We are the first community in California to pilot this initiative with
Another resident benefitting from the service is Joanne, who has been at The Covington for over three years. Once the service was available, “I used it right away,” she says. “My computer was losing power. Jay looked at it and identified the problem.” Once she understood the issue was her failing device, “Jay helped me with buying a new computer. I had a lot of questions, and he came back with answers for me,” she says. She takes comfort in the continuity of service and Jay’s commitment, describing him as honest, caring and dedicated to his job.
Joanne has also visited the Saturday Techbar, to get help with her iPad. “If I needed help before, I would be up a creek without a paddle,” describing the access to the tech support as “a godsend.” She values the way they guide her through the learning process. “I’m sure there will be things I’ll be able to handle on my own in the future,” she says.
Drawing on data from resident requests, The Smarter Service is devel-
The Smarter Service.” Clearly, the residents of The Covington are grateful for this convenient and trusted support.
ABOUT THE COVINGTON:
With the Saddleback Mountains in view, each day at The Covington is yours to explore. Here you’ll find a beautiful setting, incomparable service, and superb amenities that support physical, emotional, and intellectual wellbeing for growth, self-expression, and enjoyment.
Call today for a tour. We’d love to show you around. (949) 2093829. TheCovington.org
For more information about The Smarter Service, please visit thesmarterservice.com or email info@thesmarterservice.com.
Pat Hummel, smiles with Jay after working on a family photo project.
Resident Dorothea McGraw receives walk-up assistance at the Techbar in The Covington lobby.
How Can I Tell If I Have Skin Cancer?
There are three main types of skin cancer: basal cell carcinoma, squamous cell carcinoma, and melanoma. Because each has many different appearances, it is important to know the early warning signs.
Look especially for change of any kind. Do not ignore a suspicious spot simply because it does not hurt. Skin cancers may be painless, but dangerous all the same. If you notice one or more of the warning signs, see a board-certified dermatologist right away, preferably one who specializes in diseases of the skin.
ACTINIC KERATOSIS
An actinic keratosis (AK) is a crusty, scaly growth caused by damage from exposure to ultraviolet (UV) radiation. An AK is considered a precancer because if left alone, it could develop into a skin cancer. AKs are the product of a lifetime accumulation of UV damage and typically appear on areas most commonly exposed sun, such as the backs of the hands, forearms, face, neck, and scalp.
SQUAMOUS CELL CARCINOMA
Squamous cell carcinoma (SCC) is an uncontrolled growth of abnormal cells arising in the epidermis, the skin’s outermost layer. SCCs often look like scaly red patches, crusty bumps, warts, or elevated growths with a central depression. SCCs may appear suddenly and some forms are tender to touch. They can become disfiguring and sometimes deadly if allowed to grow. More than 1 million cases of SCC are diagnosed each year in the U.S., which translates to about 115 cases diagnosed every hour. Incidence has increased by 200 percent in the past three decades in the U.S., and more than 15,000 Americans die each year from this type of skin cancer.
BASAL CELL CARCINOMA
Basal cell carcinoma (BCC) is the most frequently occurring form of all cancers, with more than 4 million cases of diagnosed in the U.S. each year. BCCs may look like open sores, red patches, pink growths, shiny bumps, or scars. Any skin lesion that doesn’t heal, or bleeds with even gentle trauma, such as drying with a towel, is concerning for a BCC.
MELANOMA
Melanoma is a very dangerous form of skin cancer. Melanoma is caused mainly by intense, occasional UV exposure (frequently leading to sunburn), especially in those who are genetically predisposed to the disease. An estimated 178,560 cases of melanoma are diagnosed in the U.S. each year and is fatal for an estimated 9,320 of these patients. Fortunately, if melanoma is recognized and treated early, it is almost always curable.
WHAT PATIENTS NEED TO KNOW
1. Everyone needs to perform a self-skin exam once a month.
2. Melanoma can appear anywhere on the skin, including the palms/soles, under your nails, and places...for most, have never seen the light of day (genitalia). For this reason, it is important to look everywhere. Lock the bathroom door, get out a hand mirror, and check, it could save your life.
3. What to look for: ABCDEs, and an ugly duckling
A - Asymmetry: If I draw a line down the middle, do the sides match?
B - Border: Is there a nice crisp border, or does the mole melt into the surrounding skin?
C - Color: Moles should be one color, one shade of brown. Is there a variety of shades or additional colors, such as black, red, white, or blue?
D - Diameter: Any mole larger than 6mm, ie the head of a pencil eraser, has a higher risk of becoming melanoma.
E - Evolution: Has it changed?
F - The Ugly Duckling Sign: Most people have a “signature mole,” their own personal mole appearance and architecture. Is there a mole that seems different from all the others?
4. Everyone needs a full body skin exam by a board-certified dermatologist once a year, more frequently if you have a family history of skin cancer, a personal history of skin cancer, or live in an area with substantial sunshine.
Why Repipe when you can ?
By Jody Robinson
Lead-Free, Leak-Free Pipe Protection
It is safe to say that I know nothing about pipes. I know a little about drywall, and some about framing; my husband has his general contractor’s license so I’ve picked up a few nuggets of knowledge over the years - albeit in conversation, not in practice.
Pipes, however, are a complete mystery. I have family who live on the East Coast, where pipes seem to burst with some degree of frequency in the winter, but that is the extent of my experience via six degrees of separation. Since our family moved into our “new” home in San Juan Capistrano a few years ago, we have since become something of an expert on experts: those who do and don’t know anything about pipes. There are a bunch of things I can now catch you up on: leaks, sprinkler lines, lead testing. But truly, all you need to know is this: In many cases, ePIPE can have your pipes restored the same day without displacing you from your home.
Topping my list of folks I’d call expert, ePIPE has been in business since 1999. With over 40 international and US-based patents, the company has contracts with the US Department of Defense, several counties across the States, schools, HOA’s, and thousands of individual homeowners nationwide.
Jason Houck, National Sales Director notes “twenty years ago this process was developed to be more convenient, less destructive, longer lasting, and healthier. Now it’s a patented, proven process used around the globe.” Traditional systems wreak havoc on a home, tearing up floors, walls, and ceilings. To get to the pipe, you have to get everything else out of the way: and then to replace the pipe, you have to remove what is there. “Instead of re-piping, we restore pipes in place. Many homes can be completed in a day, with the water going back on in a number of hours.”
Pool piping, fire sprinkler systems, water lines - ePIPE deals with it all. They’ll even test for lead and remediate as a LeadSmart® Service provider. Any number of factors can lead to corrosion in a system, often in as little as two years after installation. Any number of factors can lead to pinhole or slab leaks. So what happens next? If your pipes were simply failing due to changing water chemistry, perhaps you’re wondering if there is a better pipe? Turns out the restoration of your pressurized system can be as simple as drying, cleaning and applying ePIPE's patented epoxy coating. “The cleaning process prepares the internal pipe surface for proper bonding,” says Jason. “A bit like sanding before you paint.”
In researching what ePIPE has to offer in terms of the process, I don’t see the word drilling, or destruction, or demolition anywhere. Taking care of
a problem once it begins is one thing, but ensuring that you won’t have that problem for years down the road is entirely different.
Restored piping protects against corroding and pitting, in turn reducing copper and lead leaching.
“Because there is no need to destroy walls, ceilings, or floors, you save a significant amount of money in reconstruction costs,” says Jason. “I’ll keep saying it: we do the work without the mess and expense.” Ranked in the top 1% of over 300,000 California contractors, ePIPE is here to ensure your pipes deliver the way they were made to. That’s really all I need to know.
To connect with Jason and his team, call (866) 567-5106 or visit www.WhyRePipe.com
Interview with Dr. Tanya Dall and Dr. Justin Yanuck: EXPANDING RENEW KETAMINE INFUSION WITH SPRAVATO® THERAPY
By Tanya Dall, MD and Justin Yanuck, MD
As Renew Ketamine Infusion takes a significant step forward by introducing SPRAVATO® (esketamine) to its list of treatment options, we sat down with Dr. Dall, a Georgetown-trained MD and Dr. Yanuck, a Harvard-trained MD, and the lead physicians at the clinic, to discuss the benefits, safety, and patient experience of this groundbreaking treatment for treatment-resistant depression.
Q: Dr. Yanuck, what inspired you to expand Renew Ketamine Infusion’s services to include SPRAVATO®?
Dr. Yanuck: Over the years, we’ve seen remarkable results with ketamine infusion therapy in patients struggling with severe depression, chronic pain, and anxiety. However, not everyone can access this treatment due to cost, as ketamine infusions aren’t usually covered by insurance. SPRAVATO® offers a new solution for many of these patients. It’s FDA-approved specifically for treatment-resistant depression and covered by many insurance plans, which makes it much more accessible. With our extensive experience in ketamine-based therapies, expanding into SPRAVATO® felt like a natural next step to provide safe, effective options for our patients.
Q: How does SPRAVATO® differ from traditional treatments?
Dr. Dall: SPRAVATO® is a nasal spray form of esketamine, a ket-
amine derivative, and it works differently than traditional antidepressants. Most antidepressants target serotonin and related neurotransmitters, which can take weeks to show effects. Unfortunately many people don’t see relief from these medicines or have undesirable side-effects. Furthermore, even if the medicine does work, they are required to take these medicines everyday. SPRAVATO®, however, targets the NMDA receptor, part of the brain’s glutamate system, which is closely linked to mood regulation. This can result in a much faster onset of relief—often within hours to days. This rapid response is lifechanging for people who have been waiting months or even years for relief from other treatments.
Q: Safety is a big priority. Can you talk about how Renew Ketamine Infusion is set up to ensure a safe experience for SPRAVATO® patients?
Dr. Yanuck: Absolutely. Safety is our top priority, and SPRAVATO®
is only administered under direct medical supervision due to its dissociative effects and potential for blood pressure increases. Patients at our clinic receive their SPRAVATO® dose in a private, comfortable environment, where they are carefully monitored under direct supervision (no cameras) for two hours post-administration. This allows us to keep a close eye on their vital signs and any potential side effects, ensuring they’re supported every step of the way. Our staff is highly experienced with ketamine-based treatments, so they’re prepared to provide both physical and emotional support to maximize each session’s therapeutic benefit.
Q: Given that SPRAVATO® is now covered by many insurance providers, what advice would you give patients in selecting a clinic for their treatment?
Dr. Dall: It’s fantastic that SPRAVATO® is covered by insurance for many patients, which means they have options. When choosing a
Dr. Justin Yanuck, Board Certified Emergency Medicine Physician and Board Certified Pain Medicine Physician and Dr. Tanya Dall, Board Certified Emergency Medicine Physician
clinic, I’d encourage patients to look beyond just finding a certified location. Ideally, they should choose a clinic that has done everything possible to optimize the treatment environment for SPRAVATO® specifically, rather than just adapting a generic medical space to offer it. At Renew Ketamine Infusion, we’ve designed our space to feel welcoming and calm, offering a comfortable experience that supports the therapeutic process. It’s also crucial to select a clinic with an experienced team in ketaminebased therapies, as this experience enhances both the safety and effectiveness of treatment.
Q: For someone considering SPRAVATO®, how can they know if it’s the right fit?
Dr. Yanuck: If someone has struggled with depression that hasn’t responded to 1 or more antidepressants, they may qualify for SPRAVATO®. The best way to determine eligibility is to reach out for a free consultation, where we’ll discuss their medical history, previous treatments, and goals. We’re here to help guide patients through the process, answer questions about insurance coverage, and make sure they feel informed and comfortable every step of the way.
Dr’s. Dall and Yanuck and their team at Renew Ketamine Infusion are proud to introduce SPRAVATO® as a new treatment option, offering renewed hope for patients with treatment-resistant depression. To learn more please call or text 949445-1898 or email info@renewketamineinfusion.com.
The Coach House Capistrano
Segerstrom Hall • CM •
DECEMBER 2024
NEW YEAR
OC'S PREMIER CONCERT VENUE
DECEMBER
RAT PACK
DEC 13 ABBA HOLLY JOLLY CHRISTMAS DEC 14 THE HIGHWAYMAN SHOW
DEC 15 THE GLENN MILLER ORCHESTRA
DEC 18 SAMANTA FISH SHAKE ‘EM ON DOWN TOUR
DEC 19 A VERY WHITNEY CHRISTMAS - A HOLIDAY TRIBUTE TO WHITNEY HOUSTON
DEC 20 A FLOCK OF SEAGULLS
DEC 21 AMBROSIA - HOLIDAY SHOW
DEC 22 GARY HO HO HOEY
DEC 27 BEATLES VS STONES
DEC 28 DRAMARAMA
DEC 29 L.A. GUNS
DEC 31 THE ENGLISH BEAT
JANUARY
JAN 3 QUEEN NATION
JAN 4 QUEEN NATION
JAN 8 QUINN SULLIVAN & HAMISH ANDERSON
JAN 9 ALL FIRED UP – Pat Benatar Tribute
JAN 10 TOMMY CASTRO & THE PAINKILLERS
JAN 11 AC/DC VS. OZZY - A ROCK N ROLL SHOWDOWN
JAN 12 BURTON CUMMINGS OF THE ORIGINAL ‘THE GUESS WHO’
JAN 17 DADA
JAN 18 DSB (DON’T STOP BELIEVIN’)
JAN 23 PAT TRAVERS
JAN 24 GENE LOVES JEZEBEL & BOW WOW WOW
JAN 26 WHAT’S NEW PUSSYCAT
JAN 30 CANNED HEAT
JAN 31 DESPERADO - PREMIER EAGLES TRIBUTE
DECEMBER
8TH
SANDRA BERNHARD
From the first time she heard the Supremes on AM radio on a snowy night in Flint, Michigan, to her first concert, Simon and Garfunkel… these are the songs you love and remember. The strumming guitars, the singalongs… from Peter Paul & Mary to the Stones. The cross-country move to Arizona opened new musical vistas, as the ‘60s gave way to the ‘70s and the women of the era acted as our spiritual guides… Tina, Joni, Dusty, Aretha, Laura, Carole… Climb into the Pontiac station wagon and get ready to hit the road.
DECEMBER
12TH
THE RAT PACK HOLIDAY SHOW
A musical trip back in time celebrating to popular American Icons Frank Sinatra, Sammy Davis Jr, Dean Martin. Direct from Las Vegas, a classic reenactment of the peerless iconic pop performers Frank Sinatra, Dean Martin and Sammy Davis Jr. as they performed together in the 1960’s and took the world by storm. This show captures the essence of the chemistry, the music, and the magical spirit of the times. It’s a journey back in time through their music and an insightful multimedia narrative, with rare photos and vintage video footage of their relationships with each other, the times and with us.
DECEMBER 15TH
IN THE CHRISTMAS MOOD WITH THE GLENN MILLER ORCHESTRA
The legendary Glenn Miller was one of the most successful of all dance bandleaders back in the Swing Era of the 1930’s and 40’s. Today, the 18 member ensemble continues to play many of the original Miller arrangements both from the civilian band and the AAFB libraries. Additionally, it also plays some more modern selections arranged and performed in the Miller style and sound.
DECEMBER 31ST
NEW YEAR’S EVE WITH THE ENGLISH BEAT
Tongue firmly in cheek, feet on the ground and eyes on the future, Singer/Songwriter Dave Wakeling takes the stage time and again, touring across the States, Canada, the UK and beyond. He does it for two reasons. First, he loves to play music, period. Second, he sees his job here on Earth to be bringing a message of love, unity and a steady, rhythmic groove of danceable songs with a message to the masses. Fans see him as an icon and to the young bands coming up he’s the elder statesman of ska. His swooning croon has been covered by such rock luminaries as Peter Townshend, Eddie Vedder and Elvis Costello
DRAMARAMA 12/28
QUEEN NATION 1/1
GARY HOEY 12/22
SAMANTHA FISH 12/18
LA GUNS 12/29
Scallops with Ricotta Pizza
COMMUNITY PUBLICATIONS
Pre-Holiday Party!
Another super fun soiree held at one of our all-time favorite party venues ... the beautiful ReelTime Sight and Sound showroom in San Juan Capistrano!
Thank you to our advertising partners who joined in the festivities and to the team at ReelTime for providing such a lovely space in which to celebrate! A special shout out to Owner Jon Colburn for his soccer dad skills in calling out the giveaways.
As we head into the season, we are Community Publications would like to wish you all a wonderful holiday and ring in a prosperous New Year!
ement spared. Try the social menu or stay for dinner and indulge in signature dishes complete with incredible locally sourced ingredients. Any occasion is the perfect one replete with excellent service by a warm and friendly staff.
DINING OUT:
Clockwise from top: Partners Enzo, Marco and Peppe
TThis place isn’t the kind of establishment that has huge, bedazzled lights pointing to it with acrobatic sign holders out front. This restaurant respects itself in a quaint location at 24050 Camino Del Avion in Dana Point. If you didn’t know about it, you might miss it driving by. But after you read this, I guarantee you’ll make it a point to seek it out.
For starters, the Antipasto Italiano Platter arrives with an array of flavorful favorites - Prosciutto di Parma, artisan salame, fresh buffalo mozzarella, Tuscan olives, grilled artichoke hearts, roasted bell peppers and toasted ciabatta bread. Yum! A seafood aficionado? Try the Mare Platter which is made for sharing: Buttermilk battered calamari fritti, seared Ahi tuna and blue shrimp scampi.
here’s is little that erases the strain of a long day more easily than dancing and live entertainment, intimate conversation with your closest family or friends and consistently delicious authentic Italian cuisine. Brio Tuscany Grille delivers all of the above. Providing the perfect environment for lunch or dinner, the elegant appointments and delectable food make it a no brainer for all in South Orange County. Calamari, antipasto, crab cakes, caprese - all on the menu with no traditional el-
I love the wood-fired pizzas here. They don’t make deep-dish-American-football-sweatpants pizza. No. They serve handmade, thin, crispy, flaky crust pizza. I had the Con Carne Pizza - a meat lover’s dream topped with pepperoni, Italian sausage, Brio house-made meatball and mozzarella cheese. You know, the kind of pie you sip wine with, reflecting on the old country while a hot steam of freshness rises poetically around you. Or, as others put it: one heck of a tasty pizza.
For heartier appetites, I recommend the USDA Prime Cut filet mignon dusted with fresh herbs and cooked to perfection with a hearty Barolo wine reduction and fresh herbed butter, and favorites like the Rigatoni Casa Brio characterized by grilled chicken breast, caramelized onions, roasted garlic, baby spinach, cremini mushrooms, sweet baby peas and fresh basil topped with fresh buffalo mozzarella.
Brio Tuscany Grille has an incredible selection of fine wines (and a full premium bar), great nightly specials and the kind of attentive-yet-unobtrusive service that makes any meal that much more enjoyable. Visit briorestaurant. com for their menu and catering options or call (949) 443-1476 for reservations. You won’t be disappointed!
JANUARY AT SEGERSTROM!
Peking Acrobats!
January 28, 2025 Segerstrom Hall
In the words of Clive Davis of the New York Post, “The Peking Acrobats [are] pushing the envelope of human possibility,” combining agility and grace in remarkable feats of “pure artistry.” The Peking Acrobats have redefined audience perceptions of Chinese acrobatics. They perform daring maneuvers atop a precarious pagoda of chairs and display their technical prowess at such arts as trick-cycling, precision tumbling, juggling, somersaulting, and gymnastics. For info, visit SCFTA.org
Kimberly Akimbo
January 21 - February 2, 2025 Segerstrom Hall
Anew musical about growing up and growing old (in no particular order), KIMBERLY AKIMBO is the winner of 5 Tony Awards including BEST MUSICAL.
Kimberly is about to turn 16 and recently moved with her family to a new town in suburban New Jersey. In this “howlingly funny heartbreaker of a show” (The New Yorker), Kim is forced to navigate family dysfunction, a rare genetic condition, her first crush … and possible felony charges. Ever the optimist, she is determined to find happiness against all odds and embark on a great adventure.
Step Into Holiday Magic as
Universal Studios Hollywood
Expands Its Festivities to Include SUPER NINTENDO WORLD along with Fan Favorites “Grinchmas” and
“Christmas
in The Wizarding World of Harry Potter,”
Running Daily Through Monday, January 6
Universal Studios Hollywood unwraps holiday magic with exciting themed festivities taking place throughout the theme park, including a colorful holiday overlay at SUPER NINTENDO WORLD™ and the return of family favorites, “Grinchmas™” and “Christmas in The Wizarding World of Harry Potter.™” Holidays at Universal Studios Hollywood is included in the price of admission and runs daily through Monday, January 6, 2025.
SUPER NINTENDO WORLD will welcome guests to celebrate the holidays in the Mushroom Kingdom alongside Mario, Luigi, Princess Peach and Toad. A tree adorned with a Super Star topper, festive wreath and two snowmen – one donning a red Mario hat and scarf and the other a green Luigi hat and scarf – will greet guests for a memorable photo op.
Once inside the Mushroom Kingdom, the spirit of the holidays will shine bright with themed décor. Plus, for the first time ever, guests will be able to enjoy an array of holiday merchandise at select SUPER NINTENDO WORLD retail locations and seasonal treats at Toadstool Cafe.
include photo opportunities with the Grinch™ and his faithful dog Max, story time with Cindy-Lou Who, who shares the story of “How the Grinch Stole Christmas” with guests young and old, and a visit to the Who-ville post office to mail a joyous postcard sharing three good deeds.
Hogsmeade™ village rings in “Christmas in The Wizarding World of Harry Potter,” with jubilant décor of twinkling lights, magical garlands and cheerful wreaths. The Frog Choir's traditional holiday a cappella performances will resonate with joy, as visiting witches and wizards wander
Universal Plaza, located at the heart of Universal Studios Hollywood, brings its centerpiece Who-holiday festivities to life with the spirited “Grinchmas” Who-bilation. Who-cheer and Who-fun will come to life in the whimsically vibrant town of Who-ville, complete with colorful décor, lively entertainment and festive activities.
The sensational Who-inspired doowop singing quartet makes a grand return, bringing their legendary sounds and Who-liday cheer. With their infectious rhythms and lively performances, this fabulous quartet will sway Whos and guests alike as they croon to toe-tapping renditions of beloved Who-liday classics.
A towering 65-foot-tall Grinchmas tree will stand whimsically at the heart of Who-ville, adorned with hundreds of vibrant ornaments and thousands of shimmering LED lights. This signature, topsy-turvy marvel will create a captivating focal point for the festivities as nightly treelighting ceremonies accompanied by a burst of cascading snow mark the evening. Grinchmas activities will
through the village shops in search of enchanting gifts and exclusive keepsake items. A stroll through Hogsmeade wouldn’t be complete without a cup of Butterbeer™ that guests can enjoy in a choice of hot, cold or frozen or the chance to indulge in seasonal holiday fare at Three Broomsticks.™
As twilight settles each evening, “The Magic of Christmas at Hogwarts™ Castle” will illuminate a mesmerizing light projection show that bathes Hogwarts™ School of Witchcraft and Wizardry in a spellbinding display of color and radiance. The majestic castle will become a canvas of enchanting imagery, bringing to life the magic of the season. Accompanied by a captivating medley of music from the Harry Potter film series, this immersive experience will infuse the air with a symphony of festive sounds, creating a truly magical atmosphere. For info: UniversalStudiosHollywood.com.
Techno Plush Snowman
Marshalls, one of the nation’s leading off-price retailers with over 1,200 stores currently operating in 48 states, D.C., and Puerto Rico, has relocated to Alicia & the 5 Freeway. Marshalls’ team of buyers hustle year-round to bring incredible deals on musthave products to its shoppers at every location. And now, shoppers in Laguna Hills will find that amazing selection of high-quality merchandise across fashion, accessories, shoes, beauty, home, men, kids, pet, and more.
“We believe that everyone deserves to get the good stuff, and we are excited to bring that to shoppers in Laguna Hills. With new items arriving weekly, this store will offer an ever-changing selection of high-quality, ontrend, and brand-name merchandise all at the amazing prices that Marshalls is known for,” said Peter Benjamin, President of Marshalls.
HAMMER + NAILS Gift Card
Give Your Man the Gift of Confidence If they shave, get haircuts, cut their nails, trim their beard, or you just want some "me time” at Laguna Niguel’s premier grooming lounge designed for men.
32411 Golden Lantern, Unit H Laguna Niguel (949) 340-3559
HammerandNailsGrooming.com
Gregory Retna Collection
The all-new Retna collection was built for everyday adventures - with a comfortable fit, a sleek and simple style and refined organization. The multi-density foam backpanel and airmesh make for a padded carry, and features like a side stretch-mesh bottle pocket, reflective attachment loops, interior zippered pockets and a two-layer top grab handle reflect Gregory’s attention to detail. Thoughtfully made and built for use with Gregory’s high design standards - the Retna is the perfect pack for weekdays in town spent dreaming about being in the mountains. GregoryPacks.com
ReelTime
Sight and Sound
Sonos: Gifts for Adventurers, Trend setters, Movie Lovers, Gamers, and Multitaskers! From durable portable speakers to compact options or low-profile, highperformance − Sonos offers an array of options for all.
Elam's Hallmark
Your headquarters for everything Peanuts this Christmas including the Peanuts Gang Around the Christmas Tree Musical Tabletop Figurine with Sound & Motion ($149.99)
27230 Alicia Parkway, Suite A Laguna Niguel (949) 448-9652 www.ElamsHallmark.com
Ring: Consider the practical gift of peace of mind with a Ring Doorbell or Alarm. Protect your loved ones and their homes with security features, re al-time notifications, and convenient two-way communication.
26381 Via De Anza
San Juan Capistrano (949) 240-0555
ReelTimeAV.com
HOLIDAY
Absolutely Fabulous Gift Ideas!
Seasonal scented candles and gifts for the wine lovers on your list.
Absolutely Fabulous 6026 Warner Ave.
Huntington Beach (714) 842-1608
AbFabHB.com
Prokan Grills
Prokan Desert Sunrise 5B Propane Grill Island with 63L Fridge and Sink
Get cooking with the Prokan Desert Sunrise 5B Propane Grill Island with 63L Fridge and Sink. This fully loaded, 52,000 BTU outdoor kitchen and grill makes it easy to prepare delicious grilled meals and host first-rate cookouts for your friends and family. The modern grill island is equipped with four powerful 304 Stainless Steel burners and a dedicated infrared rear burner – giving you a 754 square inches of cooking area. The weather resistant sintered stone countertop offers ample prep space for steaks, burgers, fresh veggies and more. Premium #304 sink makes cleaning so easy in the backyard. Includes an added drawer, gas tank storage compartment, custom fit cover, and a 63L fridge. ProkanGrills.cyberbiz.co
Costa Sunglasses
Newest Lifestyle Frames
The Catherine
Inspired by the protected salt marshes composing half the terrain on its namesake island, the Catherine is a fine, refined frame perfect for effortless elegance. Featuring soft cat-eye lenses and core-wire temple designs pulled straight from the waves, this 6-base, Bio-Acetate frame is a no-brainer for all your on-or-off-water adventures. On St. Catherine’s and elsewhere, we protect our environment to keep it pristine as long as we can. With this frame, you can do the same with your eyes – along with all the memories you have yet to make. CostaDelMar.com
Royal Robbins
Lost Coast Flannel Plaid
The classic plaid Lost Coast Flannel is warm and soft, inspired by the cool, foggy Northern California coast. It’s a great option for rugged hikes, long days in the backcountry, and extended basecamp stays. The high-performance durable, quick-dry nylon/polyester blend makes it a perfect lightweight layer.
L/S
The slimmer version of the bestselling Desert Pucker features cooling technology and natural performance fibers. This soft, breathable and durable shirt is made for adventure. RoyalRobbins.com
Fraser & Co.
The Visionary $475
The Visionary is a timepiece that boasts both a sleek and professional profile, while showcasing the beautiful intricacies of the skeletonized mechanical movement. Made of Titanium, with sapphire crystal glass and Italian top grain premium calf leather, this timepiece is one that provides a level of luxury and quality that surpasses anything in its class. FraserWatches.com
Roll Recovery R1™ Percussion Device
Developed using feedback from elite and professional athletes, the R1 was designed with four key elements: compact and powerful, exceptionally quiet operation, over 7-hours of battery life, and built with the highest quality of materials. The R1™ operates with 40W of power (50W max power), has 4-speed settings, 4-unique attachment heads and is packaged in a beautiful, aircraft-grade aluminum anodized body for long lasting durability. It looks just as good as it works and will be an asset in your recovery arsenal. RollRecovery.com
Mojave Pucker
Holiday Celebrations The Lodge at Torrey Pines
There’s no place like San Diego for the holidays, where guests can warm up to bright sunny days, uncrowded beaches, and inviting accommodations that feel like home away from home. The Lodge at Torrey Pines in La Jolla is the perfect coastal retreat to soak in the season and make some merry memories.
WINTER WONDERLANDS
The warm and welcoming timbered design of The Lodge at Torrey Pines makes for a magical winter getaway. Upon entering the lobby, guests are transported to a holiday wonderland complete with a towering Christmas tree in the lobby adorned with pinecones, manzanita branches, woodland owls and tartan plaid reindeer,
an ornate Hanukkah menorah display, gorgeous garlands draped upon the mantel, and the scent of white cedar crackling in the fireplace.
JOYFUL TUNES
Guests can enjoy the merry melodies of the Westminster Carolers, December 6-7, 12-14, 19-21 (5-8 p.m.) while savoring mulled cider and sweet holiday treats.
MINGLE WITH KRIS KRINGLE
Throughout the season, Santa’s Letter Stations will be set up in the lobby, complete with a festive oversized
mailbox, so children can send Santa their wish lists and good deeds for the year.
KIDS’ STUFF
Children can tap into their creative side with Gingerbread House on December 7, 14, 16 and 21.
HOLIDAY FEASTS AND TREATS
Gather with family and friends for lavish holiday feasts, including a Chimney Roasted Prime Rib Dinner on December 5, 12, 19 and 26. Executive Chef Kelli Crosson and Chef de Cuisine Ryan Dzierzawski will also present special 3-course prix fixe dinner menus crafted from seasonal ingredients for Christmas Eve (5-10 p.m.) and Christmas Day (11:30 a.m.-10 p.m.).
1148 N. Torrey Pines Road
HAPPY HOUR
From 3:30 to 6:30 PM I 7 Days a week!
FOOD
JOE’S GARLIC BREAD
Toasted Italian bread with our house blend of garlic and herbs butter
MEATBALLS AL FORNO
$4
$6
House made meatballs, mozzarella, parmiggiano, pomodoro, garlic bread
CHICKEN WINGS ITALIANO
Parmesan, garlic creamy sauce
CHICKEN WINGS DIAVOLA
$7
$7
Tabasco glazed, served with house ranch dressing
MEATBALL SLIDERS
$7
Handmade large meatball with melted mozzarella in Hawaiian sweet rolls
CHICKEN SLIDERS
$8
Gluten-free breaded chicken breast filet, tomato, lettuce, aoili
JUMBO SHRIMP COCKTAIL
$8
Jumbo blue wild Mexican prawn served with our house made cocktail sauce
Thinly sliced filet mignon encrusted with cracked black peppercorn, topped with arugula, capers and drizzled with extra virgin olive oil
AHI TUNA CARPACCIO
$12
Sashimi grade tuna over tri-color house made slaw, cucumbers, cut tomatoes, carrots, wasabi, soy ginger vinaigrette
DRINKS
Camino
Pets of the Month
Say hello to new kid on the block, Mocha! This four month old cutie is a very good girl who just can’t wait to meet you. Outgoing and attentive, Mocha is turning out to be one smart cookie and loves working with her trainers. She plays nicely with other dogs and would be a wonderful addition to an active family.
One year old Sonny just wants somebody to love. Brought to the shelter after having been thrown from a car, Sonny took a little bit of time to learn to trust. However, we soon found out that he is quite the sweet guy and even loves to give hugs. He has an outgoing and playful demeanor and enjoys meeting new people. Sonny would be a great addition to the family, but would prefer to be the only cat in the household.
ADOPT ME
Aurora is a happy girl who loves to run and play. An active dog, Aurora enjoys brisk walks and games of fetch. She has a friendly personality and likes meeting dogs and people alike. Aurora would make a great family pet and would do well in a home where she can continue with her training.
If you are interested in adopting an animal listed here, please call the San Clemente/Dana Point Animal Shelter at (949)492-1617 or visit them at 221 Avenida Fabricante, San Clemente.
Point your camera at this QR code to visit our website.
IVAN HO, DDS
DICOI, FAAID, AACD Implants • Cosmetic Dentist
“As a doctor myself, extensive knowledge and expertise is important. Dr Ho is truly an expert!” Steve H., Doctor
“I’ve been searching for a dentist with honesty and compassion, I found Dr Ho through a co-worker and refer all my friends and family to him.” Angela P., School Teacher
“Dr Ho and his team treats me with respect and values my feelings and opinions by involving me with my treatments. Also loves all his latest technologies.” Chris P., Attorney
Ask a SOMM
By Jody Robinson
A good sommelier is a helper, a guide to finding the best wine for your food and experience. For this month’s installment, we again approached South County-based sommelier Micah Sampson for a bit of education about the wine/food pairings, whether the size and shape of the glass makes a difference and whether wine should be decanted before its served.
Q Does white really go with fish/seafood and red with red meat or is there some overlap?
A When in doubt the white with seafood and red with red meat is a good rule. But of course, there’s definitely some overlap here when getting into the details. There are some fantastic lighter bodied red wines out there that can easily be paired with fish and other seafoods. Some of my favorites are Pinot Noir, Beaujolais, and Grenache, each of them have a light body with very light tannins, won’t overpower the delicate fish. And for red meats you can easily pour a full bodied white wine that has high acidity, think California Chardonnays, white Rhone blends, Rieslings and Chenin Blancs. All of these have nice body that can stand up to high fat red meats, and nice acidity that can shine through some of the more robust seasonings and marinades that are used to cook them.
Q Does the shape/size of the wine glass make a difference?
A This is one of those topics that I wish people took more seriously! In short, yes, the shape and size of the glass makes a huge difference! Wine glasses are designed with very specific shapes and sizes to help deliver wine aromas to your nose. If search “red wine glass” and “white wine glass” you’ll notice red wine glasses are much bigger and more bowl shaped, that’s because there are vapors coming off the wine as the alcohol slowly evaporates, those vapors are filled with compounds that help you taste the wine. White wines a typically chilled and won’t give off as much aromas, therefore the glass doesn’t need to be as large. Another reason for the smaller shape for whites is they don’t need need to aerate like reds do, less surface area reduces aeration and keeps the wine cooler. Reds on the other hand love to aerate and
therefore need all the surface area to slowly oxidize (in a good way). The bowl-shaped narrower opening at the top of the glass does two things that are both very important: 1) It helps trap the aromas into a smaller area to help you small them. Think about how much more difficult it would be to smell wine in a cereal bowl with an 8 inch opening than a wine glass with a 2 inch opening. 2) It helps keep the wine in the glass when you swirl the heck out of it, which you should do! I love swirling wine, it introduces oxygen (good oxidation) into the wine and gets all those great aromas swirling around the glass for you to smell!
Q Should I decant wine before I drink it?
A Decanting can do wonders for your wine, but it isn’t always necessary. You should have a nice decanter at home if you’re serious about enjoying some great red wines (don’t worry about decanting white wines), and that decanter should have a nice wide bottom that creates a ton of surface area when the wine is poured in, and a narrow top that keeps too much air from getting introduced and makes it easy to pour a glass. The types of red wines you’re decanting are usually full bodied reds that usually have a some age on them (like 5-10+ years), not those cheap red blends you’re buying for $8.99 at the market. The idea behind decanting is you’re introducing oxygen into the wine and a chemical change is happening, a lot of those volatile compounds (bad aromas) are evaporating off and the harsher tannins are softening up a bit, which allows you to enjoy the wine more. So, if you have a 2010 Barolo or a 2015 Napa Cabernet, let those bad boys decant for 30-60 minutes, maybe take some small sips and smells during that time so you can see how the wine changes.
Micah is happy to connect personally His cell is (562) 241-1699 or Micah@SampsonFamilyWines.com SommStash.com
Sommelier Micah Sampson
California Gun Services Safe Gun Storage, Ownership and Disposal
After my grandfather passed away, I moved in with my grandma, doing chores around the house and helping to maintain the garden.
One day, I was looking for my grandfather’s whetstone, to sharpen an old pair of shears, and I stumbled across his Colt Python 357 Magnum. I thought it might be a relic from one of the movies he worked on in the 50’s, but according to my grandma, it was just “one of those things your grandpa just insisted on having.”
Jeff McCabe has gotten more of his fair share of calls from people like myself, who accidentally come across family firearms in their home and don’t have the first idea of what to do with them. The owner of California Gun Services (CGS), Jeff is in the business of safe gun storage, ownership and disposal. The first step? Following California gun laws. I had zero clue that by driving the Colt to the Army Navy to try and turn it in, I’d be breaking a couple laws. According to Jeff there are laws restricting gifting or selling a gun, receiving a gun, borrowing a gun, transporting a gun, even storing guns. New laws come out every year, and it is almost impossible for anyone, even aficionados to keep up with them. Jeff and his team work closely with local law enforcement to ensure the process is easy and safe.
My grandma was afraid the grandkids might find it and would “just feel safer without it.” A sentiment shared by Jeff’s friends, family and fellow church parishionersmany of whom have sought his assistance over the years to ensure the proper storage or disposal of firearms they found themselves in possession of upon the passing of a loved one.
A BUSINESS IS BORN
What initially started as a favor for a friend has grown into a bonafide side business as word has spread about Jeff’s particular skill set and confidence in handling firearms. As the owner of the Orange-based One Way Painting, Jeff often encountered situations whereby he would come across a firearm when moving furniture around for a client prior to starting a painting project.
“Many times, the firearm belonged to my client’s father, grandfather or late husband and she never touched it because she was afraid of guns, but didn’t know how to get rid of it safely,” he says. “So many times these guns are loaded and just stuck in a nightstand or stored under the bed.”
Over the years, Jeff has encountered a variety of different circumstances where individuals seek his assistance in disposing of unwanted firearms. All situations call for professionalism and expertise, but some also require a more delicate approach. One such case was a recent call by a family whose patriarch was once a responsible gun owner, but was now suffering the early signs of dementia. “His family wanted the firearms removed for safety reasons, but the gentleman lawfully owns the guns so it’s important to have a heightened sensitivity so as not to create upset,” says Jeff.
In addition to lay people looking for help, Jeff and his team also assist estate and probate attorneys representing
clients who are surviving family members in possession of unwanted firearms to navigate the process of safe gun disposal.
Raised in a family that had firearms for hunting and sporting, Jeff was taught early on how to handle, be respectful and always be safe when handling firearms. Jeff adds that “ … we as Americans have a great privilege to be able to own a firearm, but with that comes an even greater responsibility to not only protect ourselves legally by complying with Federal and State laws, but to protect ourselves, our neighbors and most importantly, our children from all possible dangers associated with firearms.”
San Clemente resident Rhonda Murphy couldn’t agree more. “There are many things to deal with when a loved one dies. In 2010, when cleaning out my husband’s closet, I came across several of his guns. I didn’t want to keep them and was unsure of what to do with them. My daughters didn’t want the guns and I didn’t want to deal with the hassle of storing them as my grandkids are often at my house. A friend suggested I call Jeff. He was very nice, easy to talk with, trustworthy and knowledgeable. He came to my house, checked all the guns to make sure they were unloaded and removed them. Jeff also told me that one of the guns was a collector’s item and was able to sell it for me. One less thing to have to worry about. I can’t recommend Jeff enough.”
As part of their auditing procedures, California Gun Services gives clients the option of a Voluntary Registration Form (in the case where the weapon was inherited). Many of Jeff’s clients are like my grandma who just prefers that the gun is destroyed. Jeff holds a Federal Firearm License and as such, is able to take possession of firearms without a Gun Transfer. He can also inspect firearms to ensure they are still in working order, and even tell you if the gun, or guns, you have is California Compliant.
“Most people are unaware that firearms that were purchased legally from a gun shop just a year ago may now be illegal in California,” says Jeff. “If we find a firearm that is out of compliance with the law, you’ll receive solid advice on how to make it compliant, sell it out of state, or potentially dispose of it. Our process is approved and certified by local law enforcement, it’s legal, safe and adheres to all state and federal firearms laws.
“Since firearms last more than a lifetime, families often have small and large collections of guns in their home. Knowing what you have and what to do with those firearms is important. Whether it’s from a death in the family, inheritance, or just a need for clearing out some that you know you will never use, we can help. Following California gun laws is essential. We come to you. It’s a safe, easy and professional process.”
California Gun Services (714) 639-9608
www.CaliforniaGunServices.com
California Gun Services’ processes are approved and certified by local law enforcement and adheres to all state and federal firearms laws for the following services:
GUN AUDIT
Jeff will come to you and inspect your firearms to make sure they are in proper working order and that they are California Compliant. If your firearm is not compliant with the California Law, you will receive solid advice on how to make it compliant or possibly dispose or sell it out of state.
GUN DISPOSAL
If a firearm is found to be unsafe to use, cannot be repaired and has no historical value. California Gun Services will permanently destroy it by torching the receiver or frame into three parts or cutting it with a saw into five parts. Jeff will document this with photos and log it for the Alcohol, Tobacco and Firearms and email you the proof of destruction.
GUN TRANSFERS
Private Party Transfers happen between two individuals and will need to take place at a Federal Firearm Licensed Dealer. Since this needs to be done at a Gun Shop, Jeff cannot offer this as an in-home service. If you have inherited or legally obtain a firearm, he can provide you with a Voluntary Registration form or you can download it from the California Department of Justice which is NOT required to do at a gun shop. California Gun Services has a Federal Firearm License and can legally come to you and take possession of a firearm without a Gun Transfer.
GUN PURCHASES OF UNWANTED FIREARMS OR COLLECTIONS
California Gun Services will come to you and appraise a single gun or an entire collection of any size. You will receive an explanation of how guns are legally sold and transferred. California Gun Services can then make you a fair market value offer and/or explain how a gun can be put up for sale on consignment.
AMMUNITION AUDIT
California Gun Services will make sure you are using the right ammunition for the firearms that you have and that it is legal in the State of California. Jeff will inspect the ammunition to make sure that it has been stored correctly, is in good condition and will ensure that the ammunition is being stored properly, using the right type of container and stored in the right location in your home.
The Nutcracker for Kids!
December 7, 2024 Segerstrom Hall
Prepare for a whirlwind of enchantment as Pacific Symphony and American Ballet Theatre William J. Gillespie School at Segerstrom Center for the Arts unite to reimagine Tchaikovsky's cherished holiday spectacle. This exhilarating new production bursts to life with a freshness that will dazzle the senses and ignite the imaginations of all ages. Every turn is filled with breathtaking dance, vibrant costumes, and the beloved, timeless score that has become synonymous with the wonder of the season.
American Ballet Theatre’s The Nutcracker
December 12 - 22, 2024 Segerstrom Hall
SoCal’s favorite holiday tradition returns with American Ballet Theatre’s critically acclaimed production of The Nutcracker. Created by one of today’s most celebrated choreographers, Alexei Ratmansky, this dazzling holiday treat features ABT’s roster of superstar dancers along with gorgeous sets and costumes by Tony winner Richard Hudson, and Pacific Symphony playing Tchaikovsky’s timeless score.
The Nutcracker is the tale of a young girl, Clara, who receives the gift of a nutcracker doll at her family’s Christmas party. In her dreams that night, the nutcracker doll comes to life as a handsome prince who joins her on a magical journey. Together, they travel to lands filled with dancing snowflakes, waltzing flowers, a mouse army and other exotic characters, all brought to vivid life on stage by a cast of over 100 performers!
For info, visit SCFTA.org
Holidays Around the World
Argyros Plaza
December 14, 2024
Join us for a day of festive family fun as we transform the Julianne and George Argyros Plaza into a spectacular winter wonderland! Enjoy a variety of live performances from local music acts and dance groups that celebrate holiday traditions from all around the world. Kids can create their own seasonal crafts and get to experience a little holiday magic with sparkling snowfall on the Plaza!
Holiday Happenings at
Segerstrom Center for the Arts
Fiesta Navidad
Segerstrom Hall
December 14, 2024
One of Orange County’s most beloved holiday events, Fiesta Navidad, features the Grammy Award®-winning Mariachi Los Camperos in a concert filled with festive music and dance. This celebration of Mexican holiday traditions is a joyous annual tradition at Segerstrom Center, perfect for the whole family.
Take 6 Christmas
Samueli Theater
December 15, 2024
Quite simply, TAKE 6 is the quintessential a cappela group and the model for vocal genius. They are the most awarded vocal group in history, having won 10 Grammy Awards, 10 Dove Awards, 2 NAACP Image Awards, a Soul Train Award, and been inducted into the Gospel Music Hall of Fame. The high-energy sextet will be joining us for a special Christmas concert, putting their unique and beguiling spin on a trove of holiday classics, that is sure to be a highlight of the season!
TWO LOCATIONS - DANA POINT + ALISO VIEJO
Healing Hearts EMERGENCY ANIMAL
By Jody Robinson
HOSPITAL
In writing this editorial, I recalled a friend once asking me to explain the premise of a book called “All Creatures Great and Small.”
It’s about giving veterinary care to animals like you’d give pediatric care to children in your community - with grace, and love, and an incredible amount of passion. James Herriot’s example was set long ago
through the tales of extraordinary and ordinary circumstance, but the level of service, specialization, and care lives on in clinics like Healing Hearts Emergency Animal Hospital in Laguna Hills.
Since opening its doors last August, the team of compassionate professionals here have provided the highest level of emergency medicine to dogs, cats, avian patients and even most exotics. Dr. Berschauer, the CEO and founding veterinarian behind Healing Hearts, strives to put together the best option for treatment for each patient on an individual level.
“We do this by working with each pet owner to determine what the optimal plan looks like for the care of your beloved pet,” says Stephanie Yun, office
manager. “With a fully equipped ICU, advanced monitoring systems, oxygen cage, full in-house lab, we’re ready to handle almost any emergency.”
In the rare instance that your pet needs treatment outside of Healing Hearts’ capabilities, they’ll help you coordinate the transfer and care to an outside facility. “We’re not kind or compassionate within our four walls alone - the nature of community is that it exists beyond our front door and we’re willing to go to any lengths to ensure your pet’s needs are met, wherever they end up.”
Dr. Berschauer and his staff’s warmth and dedication to caring for our furry (and sometimes not so furry) family members truly sets them apart. Each came from a different medical field, but their love of animals brought them to where they are today. Ensuring that we can bring back the “oldschool feel” of veterinary medicine “where your animal is assessed and treated from head-to-toe with stateof-the-art equipment” comes first. For all creatures, great and small.
Dr. Berschauer
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In a concert which presents two of classical music’s most exciting rising stars, mezzo-soprano Kayleigh Decker and pianist Shunta Morimoto, take the stage with Scott Dunn and the Four Seasons Orchestra for an evening of mesmerizing artistry and emotional depth.
January 25, 2025 at 3 pm
Decker, praised for her “pure vocal gold,” will showcase her rich, shimmering mezzo voice in a performance of three of Mahler’s exquisite Rückert-Lieder. Morimoto, the prodigious young pianist from Kyoto, Japan, known for his technical brilliance and profound emotional connection with audiences, will offer a powerful interpretation of Brahms’ monumental Second Piano Concerto.
The program opens with the West Coast premiere of a work by Dunn’s mentor, Sir Rodney Bennett whose brilliant Partita (1995) is a dazzling fusion of classical and contemporary music. With Decker’s expressive vocal presence and Morimoto’s captivating piano artistry, this performance promises an unforgettable evening of music that transcends boundaries and touches the soul.
“As a doctor myself, extensive knowledge and expertise is important. Dr Ho is truly an expert!” Steve H., Doctor
“I’ve been searching for a dentist with honesty and compassion, I found Dr Ho through a co-worker and refer all my friends and family to him.” Angela P., School Teacher
“Dr Ho and his team treats me with respect and values my feelings and opinions by involving me with my treatments. Also loves all his latest technologies.” Chris P., Attorney
Mission Viejo Wigs: Where Customers are “Family”
by Jody robinson
Mission Viejo Wigs is truly a family business. Not in the traditional sense, where its owners and operators share the same genes. But rather in such a way that every person who has walked through Owner Betty Darroch’s doors in the 30+ years she has been in operation immediately felt like a member of Darroch’s extended family.
As a professional hair and wig stylist since 1962, Betty began her career at CBS where her résumé reads like a celebrity screenplay starring the coifs of a veritable “who’s who” of Hollywood: Ann Margaret, Carol Lawrence, the Midnight Specials and the Sonny & Cher Show. She went on to work for the Hallelujah Hollywood Show at the MGM Hotel in Las Vegas.
But it wasn’t until she opened her own business in Mission Viejo that she felt as though she were “truly doing God’s work.”
Her clients today include people who are experiencing hair loss due to chemotherapy treatment, alopecia or other medical conditions. Betty specializes in wigs, hairpieces and toupees for women, men and children and carries only the highest quality brands. Each wig or hairpiece is custom fit to the client for the most natural look and feel – no one will know you’re wearing a wig unless you tell them.
received many compliments on her “new do” and no one was the wiser.
It’s been over nine years since my mother completed treatment and is now leading a cancer-free life. Although her own hair has long since grown back, she still often prefers to wear Betty’s wigs on “bad hair days.”
Thank you Betty!
“Hair loss, whether it is the result of illness, the aging process or heredity, can be a traumatic and emotionally draining experience,” says Betty. “We work with people on a daily basis who are facing the issue of hair loss for the first time. Our goal is to help you find the solution that works best for you and do so in a caring way that makes you realize that you are not alone.”
There are wonderful testimonials from longtime customers on her web site (missionviejowigs. com), but for me, the best testament to Betty’s genuine, caring nature came from a source closer to home.
When my mother was diagnosed with lung cancer six years ago, there were so many aspects of what she was facing - including the side effects associated wit chemotherapy treatment – that were out of our control. But my mother’s appearance was something she felt she could dictate. We knew she would lose her hair, but she was determined not to “look like a sick person.”
From the moment my mother met Betty, she knew she had found the right place and more importantly, the right person to help her. Betty shared so many stories of survival – of longtime customers and friends who fought a similar battle and won. Her warm embrace and inspired hope and help steel her resolve to maintain a positive, fighting attitude when she was diagnosed with lung cancer.
The wig Betty selected was the perfect color and style for my mother’s face (and head) shape. The wig was so natural looking that my mother
Prescription Payment Plan
By Stephanie Frisch
In August of 2022 President Biden signed the Inflation Reduction Act of 2022 into law.
The new drug law makes improvements to Medicare by lowering drug costs and improving the sustainability of the Medicare program for generations to come.
For the first time, beginning in 2025, the new drug law requires that all Medicare prescription drug plans, referred to as Medicare Part D plans, both stand-alone drug plans and Medicare Advantage plans with prescription drug coverage to offer enrollees the option to pay out-of-pocket prescription drug costs in capped monthly installment payments instead of all at once at the pharmacy. This will be very helpful for people who have a Part D deductible that needs to be paid first before drug copays begin. (In 2025 it can be as high as $590). CMS (Centers for Medicare/ Medicaid Services) has named this program the “Medicare Prescription Payment Plan”.
Starting with plan year 2025, Part D Enrollees may opt into the program
prior to the beginning of the plan year, or in any month during a plan year. They do this by notifying the Part D sponsor (insurance company) and they then complete the Medicare Prescription Payment Plan election process. This process will be available by mail, toll-free numbers, or website application. All of these options must be provided by the Part D insurance carrier and must be processed within 24 hours when an enrollee is already enrolled in the Part D plan.
Part D enrollees who opt into the program will pay $0 at the pharmacy for their covered drug instead of the copay they would normally pay when filling the prescription. The Part D insurance company must then bill program participants in monthly installments for the co-pays or cost sharing incurred. The pharmacies will be paid directly by the Part D insurance companies.
Stephanie Frisch is the owner of Insurance 101 and is an independent insurance broker dedicated to helping others make “educated decisions” about their insurance choices when it comes to Medicare. For answers to your questions, or no-fee consultation, call 949-292-4958.
We make the wig look like it’s growing out of your scalp, not sitting on it!
When you experience hair loss due to medical reasons, it can be devastating. A wig can make all the difference in helping you look good and feel better about hair loss.
No matter what the causecancer, chemotherapy, alopecia, female pattern baldness or thinning hair ... Our goal is to help you look and feel your best!
25571 Jeronimo Road, Ste. 7 Mission Viejo
Celtic Christmas
at Soka Performing Arts Center
SAT. | DEC. 7 | 8PM
With Titanic Piper Eric Rigler & Dirk Freymuth
Ignite the holiday spirit with festive songs from the British Isles! Join renowned piper Eric Rigler, known for his work in Titanic, Braveheart and Outlander, as he celebrates the season with enchanting Irish uilleann pipes & Scottish small pipes. Accompanied by Dirk Freymuth on guitar, with vocals & flutesthis is a magical experience you won’t want to miss!
