Sun Times Issue 10 19 23

2023 MEDICARE ISSUE The Medicare Annual Enrollment Period Runs From October 15th - December 7th

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Do You Take Insulin?

Take Advantage of Your Medicare Wellness Visit

There Is A New Medicare Part B Coverage Change

Preventive Care And Health Planning At No Extra Cost

Beneficiaries have all of 2023 to switch plans for a lower price on that Diabetes treatment

Everyone enrolled in Original Medicare or Medicare Advantage is eligible for an annual wellness

Starting in 2023, Medicare Beneficiaries who rely on Insulin were greeted with some welcome news - a significant change in Medicare Part B Coverage. Effective January 1, 2023, a groundbreaking reform ensures that the cost of Insulin for Medicare Beneficiaries is capped at an affordable $35 for a one-month supply of each PartD covered Insulin product. Additionally, this change eliminates the need to pay a deductible for Insulin, providing much-needed relief for millions of Americans grappling with the rising costs of healthcare.

Here is a comprehensive breakdown of the Medicare Part B Coverage change and its implications for Insulin-Dependent Beneficiaries.

Insulin, Page 4A

understanding of Medicare itself.

At our agency, we’ve made it our mission to simplify Medicare and ensure you comprehend it thoroughly. What makes us stand out? Our dedication doesn’t end after you choose a policy; we’re here to support you throughout the life of your coverage.

We offer a wide range of insurance options, including Medigap plans, Medicare Medicare, Page 8A

Wellness Visit, Page 5A

Medicare Annual Enrollment There’s A Smarter Way To Shop For Coverage

By Carol Foley

Affordable Insulin for All The most notable change is the cap on Insulin costs.

Regardless of your income level or whether you receive Extra Help to lower your prescription drug costs, you will now pay no more than $35 for a one-month supply of each Part-D covered Insulin product. This represents a significant cost reduction, espe-

(BPT) - Most of us know that it’s important to see a doctor for an annual checkup. During your working years, that annual checkup typically means a full physical. But once you become eligible for Medicare, you’ll likely start hearing about something called an annual wellness visit.

Unlike a standard head-to-toe physical, an annual wellness visit is primarily focused on preventive care, health screenings and wellness planning. It gives you an opportunity to have a conversation with your doctor about your health status and goals - then create a long-term plan to help you meet those goals and maximize your wellbeing.

While Original Medicare doesn’t cover an annual physical, some Medicare Advantage plans do. However, everyone enrolled in Original Medicare or Medicare Advantage is eligible for an annual wellness visit at no additional cost. If your Medicare Advantage plan includes coverage for an annual comprehensive physical exam, ask your provider if the annual wellness visit and the physical can be scheduled

Carol Foley, Licensed Insurance Agent and Medicare Specialist As we approach the Medicare Annual Enrollment Period, it’s essential to equip yourself with the knowledge and resources to make informed decisions about your healthcare coverage. My name is Carol Foley, and I am a licensed insurance agent, Medicare specialist, and small business benefits counselor with

over 25 years of experience. Our offices are conveniently located right here in Hallandale, and we’ve dedicated ourselves to helping seniors, individuals, families, and small business owners find the coverage that suits their needs and budgets.

Our commitment is to guide you through the complex landscape of Medicare and insurance options. Before diving into the details of supplement plans, it’s crucial to have a solid

South Florida Pioneer Delivers Affordable VIP Care How ChenMed Transforms Health With Comprehensive Care Coordination Say Salomon, M.D., National Chief Medical Officer of hospital and community care for the ChenMed family of brands – including Chen Senior Medical Center – (pictured, left) loves to get to know and care for his patients.

The healthcare landscape is in constant evolution, and one aspect that has gained tremendous importance in recent years is comprehensive care coordina-

tion. Primary care providers (PCPs) can play a pivotal role in patient care, acting as the central orchestrators of a patient’s healthcare voyage. To do this requires an orientation and a clinical infrastructure that enables them to be central figures in coordinating patient care across various medical specialties.

For more than 35 years, Chen Senior Medical Centers have been providing highly person-

alized primary care to South Florida seniors and the company remains focused on addressing the unique healthcare needs of those in their golden years.

Chen doctors and care teams serve a predominantly elderly population aged 65 and above, with a significant presence in underserved communities. By guiding eligible individuals to complete the Medicaid reenrollment process within the specified deadlines for Florida,

and by providing a variety of other vital services, Chen social workers and registered nurse case managers amplify the quality of clinical care provided by ChenMed clinicians. They help improve health outcomes and patient experience by making comprehensive care coordination a reality, including access to essential community resources crucial for their overall health and well-being.

“We provide this service to

supplement the unwinding efforts that are now underway and to make it as convenient as possible for the Medicaid-eligible seniors we serve to maintain their insurance,” said Dr. Say Salomon, ChenMed National Chief Medical Officer, hospital and community care. “Without it, they run the risk of facing unaffordable medical bills and losing access to programs they need to ChenMed, 11A

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your Medigap plan should take care of the $35 (or less) cost for Insulin, providing comprehensive coverage that ensures access to affordable medication.

Insulin From Page 1A cially for those who rely on multiple types of Insulin to manage their Diabetes.

For those who prefer the convenience and cost savings of obtaining a threemonth supply of Part D-covered Insulin, the maximum cost remains budgetfriendly at $105, which translates to $35 for each month’s supply. This pricing structure ensures that beneficiaries can maintain a consistent supply of this lifesaving medication without breaking the bank.

Disposable Insulin Patch Pumps If you use a Disposable Insulin Patch Pump, rest assured that this change applies to you as well. Insulin for your pump will not cost more than $35 for a one-month supply of each covered Insulin product, ensuring that this advanced technology remains accessible and affordable for those who rely on it.

However, it’s essential to note that if your Part D plan covers Disposable Insulin Patch Pumps, the pump itself is considered an Insulin supply. Consequently, it is not subject to the $35 cap and might cost more than $35. Therefore, beneficiaries using this technology should carefully review their plan to ensure they are fully aware of the costs associated with their Insulin Pump.

Special Enrollment Period for Exceptional Circumstances Medicare understands that circumstances change, and beneficiaries may need to adjust their coverage accordingly.

If you use a covered Insulin product and wish to switch to a different Part D plan

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New Medicare $35 Insulin benefit will cut costs for millions for 2023, you may qualify for a Special Enrollment Period (SEP) for Exceptional Circumstances. This SEP allows you to add, drop, or change your Part D coverage once between now and December 31, 2023.

To take advantage of this opportunity, simply call: 1-800-MEDICARE (1-800-6334227). TTY users can call: 1-877-4862048. Importantly, if you decide to change plans mid-year, your True Out-of-Pocket (TrOOP) costs will carry over from your old plan to your new one, ensuring a seamless transition.

Further Improvements Effective July 1, 2023 The positive changes in Medicare’s

coverage for Insulin do not end with the start of the year. Effective July 1, 2023, additional improvements come into effect, further alleviating the financial burden on beneficiaries.

If you use an Insulin Pump that falls under Medicare Part B’s durable medical equipment benefit, or if you receive your covered Insulin through a Medicare Advantage Plan, your Insulin costs will be capped at $35 for a one-month supply.

The Part B deductible will no longer apply to Insulin, making it even more affordable for beneficiaries.

For those with both Part B and Medicare Supplement Insurance (Medigap) that covers Part B coinsurance,

Access to Information and Support The new Medicare Part B coverage change, effective January 1, 2023, marks a significant step forward in making Insulin more affordable and accessible for Medicare beneficiaries. With a cap on Insulin costs at $35 for a one-month supply and the removal of the deductible, this change promises to ease the financial burden on individuals managing Diabetes.

Furthermore, the improvements that became effective as of July 1, 2023, ensure that beneficiaries using insulin pumps and Medicare Advantage Plans also benefit from these cost-saving measures.

It’s crucial for Medicare beneficiaries to stay informed about these changes, and Medicare has made resources and support readily available to assist with any questions or concerns. With these reforms, Medicare continues its commitment to providing comprehensive and affordable healthcare coverage for millions of Americans who rely on Insulin to manage their health and well-being.

Medicare wants to ensure that beneficiaries are well-informed about these changes and can access the support they need. If you have questions or need more information about Medicare’s coverage and your costs for Insulin, you can visit: Medicare.gov/coverage/insulin - Or call: 1-800-MEDICARE (1-800-633-4227). TTY users can call: 1-877-486-2048.

Knowledge is power, and understanding these changes is essential for making the most of your healthcare coverage.

Does Medicare cover CPAP supplies?

Medicare covers accessories, like tubing, filters, humidification chambers, and CPAP masks. The same rules that apply to machines, including travel CPAP machines, apply to these items as well.

For Original Medicare to cover your items, the supplier must be enrolled with Medicare, and you’ll be responsible for a 20% copayment. Most supplies are also eligible for regular replacement, so long as the frequency matches the Medicare guidelines.

Suffering With Sleep Apnea?

Rest Assured Medicare Has Many Items Covered Obstructive Sleep Apnea (OSA) occurs due to tissue relaxation that blocks the airway while we sleep There is no substitute for a good night’s sleep. For those with Sleep Apnea, not getting enough sleep can bleed into other areas and impact your health negatively. Finding the right Sleep Apnea treatment can change your life. More than 29 million Americans experience poor sleep quality due to Obstructive Sleep Apnea (OSA), but only about 20% of those people have been diagnosed, according to the American Academy of Sleep Medicine.

The first thing to know about CPAP therapy and Medicare coverage is that the amount you’ll pay varies depending on the type of Medicare coverage you have and whether you have met your deductible.

CPAP machines and other accessories are covered under durable medical equipment (DME).

When does Medicare cover CPAP machines?

Original Medicare Part B will only cover your CPAP therapy devices and accessories if, after a diagnostic sleep study, your prescribing doctor and the CPAP equipment supplier are enrolled in Medicare. Doctors and suppliers enrolled with Medicare agree to accept the Medicare-approved amount for the service or product provided. This is called “accepting assignment.”

At times, the Medicare-approved

amount may be less than the amount the provider would normally charge, but the provider agrees to accept the set amount as full payment for services. If your doctor or supplier doesn’t agree to be paid by Medicare directly, you’ll be responsible for the total cost of your CPAP supplies at the time of purchase.

If you have Medicare Advantage, coverage of DME varies by plan. Your plan may have specific rules about getting approval, selecting a brand, and choosing a supplier that you must follow to get coverage. Reach out to your plan for more information before ordering your CPAP supplies.

How does Medicare coverage work for CPAP machines?

After you’ve confirmed that your doctor and the supplier are enrolled and you’ve paid the deductible, Medicare Part B will cover a three-month trial of CPAP therapy.

This includes the machine and accessories, like tubing, filters, and masks.

To qualify for the three-month CPAP therapy trial, you must: • Use a doctor and supplier enrolled with Medicare (accept Medicare as payment).

• Be diagnosed with OSA after clinical evaluation in a sleep lab or by an at-home sleep test using a qualifying sleep monitoring device (Type II, III, or IV home sleep device).

• Have an Apnea-Hypopnea Index (AHI) or Respiratory Disturbance Index (RDI) of at least 15 events per hour or between five and 14 events per hour, along with other documented symptoms (like excessive daytime sleepiness, Hypertension or Heart Disease).

After the three-month trial period, Medicare pays 80% of the Medicareapproved amount to rent the machine for 13 months. You pay the remaining 20% as coinsurance. Medigap plans and other supplemental health insurance plans often cover the 20% copay. Following the 13month CPAP machine rental, you’ll own it.

To qualify for the 13-month CPAP equipment rental (and ultimate purchase), you must: • Complete the three-month trial and provide documentation.

• Meet with your doctor in person, and your doctor must document in your medical record that CPAP therapy is helping you and you were compliant (sometime after day 31 of usage but no later than day 91).

• You’ll need to use the CPAP machine without interruption throughout the 13-month rental period for Medicare to continue paying each month. If at any point you stop using the machine on a regular basis, Medicare can stop paying the rental, and you’ll need to return the machine to the supplier or pay the remaining balance in full.

Mouth Guards for Sleep Apnea Medicare will cover mouth guards for Sleep Apnea as DME (durable medical equipment) if your doctor considers it medically necessary. Although, some other treatments might get preferential treatment on Medicare. Mouth guards for Sleep Apnea are plastic devices that fit over the teeth. Also known as mandibular advancement devices, they work by holding your jaw forward, helping to open the airway and reduce snoring and/or improving Sleep Apnea-related breathing issues.

Mouth guards can help people with mild to moderate Sleep Apnea get a better night’s rest without resorting to CPAP or other breathing devices.

If your doctor has diagnosed you with Sleep Apnea, they will likely recommend a mouth guard as part of the treatment plan.

Your doctor may also order a sleep study to determine if a mouth guard is necessary.

Using a mouth guard for Sleep Apnea can help you enjoy a better night’s rest, as it helps keep your airways open during the night. In addition to improved sleep quality, using a mouth guard can also lead to less daytime drowsiness and fatigue, improved cognitive performance, reduced risk of Heart Attack or Stroke, and improved overall health.

Your doctor will need to determine if a mouth guard is medically necessary for you, and you may require an overnight sleep study before they can do so. If the test shows that your Sleep Apnea is severe enough that it could cause serious health issues, then your doctor may prescribe a mouth guard as part of your treatment plan. Medicare will then cover the cost of the mouth guard. CPAP machines might be seen as the more reliable option when treating Sleep Apnea, so you need to try that first before getting Medicare approval for a mouth guard or other oral devices.

Finally, it’s important to note that even if you have Medicare coverage for a mouth guard for Sleep Apnea, you may still need to pay out-of-pocket costs such as copays or coinsurance when purchasing one. You could pay up to 20% of the Medicare-approved amount through Medicare Part B. Not using a mouth guard for Sleep Apnea can have serious consequences.

Without proper treatment, your Sleep Apnea can worsen and lead to more severe health problems.

Medicare will cover mouth guards for Sleep Apnea if they are deemed medically necessary by your doctor. Using a mouth guard for Sleep Apnea can help improve your sleep quality, reduce daytime fatigue, and may even lower your risk of Stroke or Heart Attack.

If you are experiencing any symptoms associated with Sleep Apnea, it is important to speak to your doctor to help find the right treatment for you.

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Wellness Visit

preventive care or screening tests and discuss treatment options for any newly diagnosed conditions.

Don’t be shy to ask questions throughout the annual wellness visit; your provider may have more time than usual to listen to your concerns and answer your questions.

It’s also important to be honest about your health goals. Not everyone sets out to exercise daily or lose 10 pounds in the next year - and that’s OK. Maybe your goal is to ride a bike with your grandkids around the neighborhood or to cut back on your alcohol consumption. Whatever your health goals are, your provider can’t help you reach them if they don’t know about them. So be as open and honest as possible during your visit.

From Page 1A during the same visit.

The misconception that the annual wellness visit is the same as a physical could be part of the reason why so few Medicare enrollees take advantage of the benefit - only about 23% of beneficiaries enrolled in Original Medicare attended a wellness visit.

Below you’ll find an overview of what to expect from your annual wellness visit and hopefully the motivation to schedule one.

Taking Stock of Your Medical History Your doctor’s office may send you a form ahead of your appointment that includes a list of questions. Filling out this form in advance can help ensure your doctor has a thorough understanding of your health history and also remind you of questions you might want to raise at the appointment.

If you don’t get a form before your visit, you should still be prepared to be as detailed as possible when describing any past medical procedures and illnesses.

Knowing specific diagnoses and dates will certainly help, but even giving a rough description of any major medical events in your life will help your physician understand both your past and current medical issues.

Your primary care provider will review your relevant medical history, including major illnesses, surgeries, your current medical condition and medications you’re taking.

The Who’s Who of Your Health Care Team Keeping you healthy is a group effort, and the primary care provider you see for your wellness visit will want to know who’s part of your health care team. So be prepared to give the person conducting your visit a list of your current health care providers, including contact information and field of specialty.

Things To Keep In Mind To avoid surprises, pay attention to these details as you get your visit on the calendar: If you have Original Medicare or Medicare Advantage you’re eligible for a wellness visit You may have chosen a Health Care Surrogate or a Proxy who will speak on your behalf should you ever become too sick to speak for yourself. If so, bring a copy of your completed forms to your appointment. If you haven’t made your choices yet, this is a good time to get your physician’s advice on your personal advance care planning.

An Rx For a Productive Medication Review Getting a full rundown of all your Vitamins, Minerals, Herbal Supplements and Prescription Medications can help the doctor spot potential Drug Interactions that could be harmful to your health. They will also want to ensure you have a complete understanding of each Medication, its purpose and any Potential Side Effects.

Make a list, including how often you take each Medication and the dosage. Or, bring all your pill bottles with you to your appointment and show them to the provider.

Stats & Screenings A clinician will check your height, weight and Blood Pressure, and then your provider will likely ask you some questions, including how you have been feeling recently. These questions are designed to test your cognitive function and screen you for Depression. Answer them as honestly as possible and come to the appointment well rested so you can perform your best on the tests.

Creating a Wellness Plan After completing all tests and assessments, your provider will be ready to assess your current health status and work with you to develop a plan to meet your health goals. That plan will address how to treat your current conditions and how to help prevent future health problems. If you have any risk factors for developing new conditions, your provider will give you some options for managing those risks.

You can also set up a schedule for

• Make sure the appointment is scheduled specifically as an annual wellness visit, or the provider may bill it as a normal office visit, which could be subject to a copay, depending on your plan. For UnitedHealthcare Members, a dedicated customer service advocate can even help schedule your appointment for you.

• If your provider orders a test during the annual wellness visit, you may be charged any applicable lab or diagnostic copay for the recommended services.

The Bottom Line When you are prepared, your annual wellness visit is more than just an office visit. It is your opportunity to take charge of your health and help ensure you’re on the right path to living the life you want. If you haven’t scheduled yours yet, use this as the push you need to get it on your calendar. It could be one of the most important conversations you have all year.

To learn more about how your Medicare plan can help you access the care you need, visit: www.medicare.gov

What Is the SilverSneakers Program? www.medicare.org

Are you looking for a senior fitness program? If you have a Medicare Advantage or Medigap plan, your health insurance may include a free fitness membership for adults 65+ called SilverSneakers. A SilverSneakers membership includes access to roughly 14,000 recreation centers, churches, senior communities, and other neighborhood locations across the nation. You’ll get access to fitness equipment, social events, a variety of exercise classes, including boot camp, circuit training, strength and balance, tai chi, yoga, water aerobics, and Zumba, plus access to amenities like swimming pools, tennis courts, and walking tracks if available at certain locations. Sounds pretty good, right? Here’s what else you may want to know about the program.

Does Original Medicare cover SilverSneakers?

Original Medicare, Part A and Part B, does not cover this benefit. If you’re con-

sidering a Medicare plan with SilverSneakers coverage, including Medicare Advantage (Part C) or Medicare Supplement (Medigap) plans, contact a Medicare licensed sales agent.

What does the SilverSneakers program cost?

With a qualifying health insurance plan, a SilverSneakers membership is free.

However, any services not included in a basic membership may require additional fees such as personal training, tanning, or a massage.

How do I join SilverSneakers?

SilverSneakers comes automatically with qualifying Medicare health insurance plans. Eligible Medicare beneficiaries 65 years of age and older just need to get a SilverSneakers membership card to show at participating fitness locations. Contact your health insurance plan to find out if SilverSneakers is covered, or visit the SilverSneakers website to check your eligibility online. If you’re eligible, then you

SilverSneakers comes automatically with qualifying Medicare health insurance plans can fill out the SilverSneakers form online to get and print your membership ID card to bring to participating locations.

How do you I find out which gyms and fitness locations participate in SilverSneakers in my area? Go to: SilverSneakers.com and click on “Find Fitness Locations” to search for a gym

near you.

SilverSneakers is only available to individuals with qualifying health insurance plans. However, if your insurance plan does not cover SilverSneakers, you can still join a gym! Contact the recreational centers and gyms in your area to learn about special pricing for seniors.

Medicare Part D Drug Plans: Understanding What They Cover & What They Don’t Medicare Part D Drug Plans play a crucial role in ensuring that seniors and eligible beneficiaries have access to essential prescription medications. These plans are designed to cover a wide range of prescription drugs, offering financial assistance to millions of Americans in need of pharmaceutical treatments. The intricate world of Medicare Part D Drug Plans can be confusing, so let’s explore the essential aspects of what they cover, including formularies, tiers, and the role of generic drugs.

Every Medicare Drug Plan operates with a formulary, which serves as the blueprint of covered drugs. A formulary is essentially a list of prescription drugs that a specific plan covers. It encompasses both brand-name and generic drugs, ensuring that beneficiaries can access medications suitable for their medical conditions.

One vital aspect to understand is that while Medicare Drug Plans are required to cover at least two drugs per drug category, they maintain flexibility in choosing which specific drugs to include in their formulary. Consequently, there may be instances where your prescribed medication is not listed in your plan’s formulary. However, don’t despair; there are avenues to address this issue.

Exceptions: Navigating Formulary Gaps If your prescribed medication is not included in your Medicare Drug Plan’s formulary, you have the option to request an exception. An exception is a formal request made when you or your healthcare provider believe that none of the drugs listed on the formulary are suitable for your medical condition. The plan will then review the request and, if approved, provide coverage for the specific drug, even if it’s not part of their standard formulary.

Medicare Drug Plans are not static;

Beneficiaries should note that while lower-tier drugs are generally more affordable, there are instances where a highertier drug may be necessary for a specific medical condition. In such cases, an exception can be requested to reduce the cost-sharing for the higher-tier medication.

Medicare drug plans are not static; they evolve to accommodate changing healthcare landscapes

they evolve to accommodate changing healthcare landscapes. Throughout the year, plans may make adjustments to their formularies to align with updated medical information, new drug therapies, or emerging medications. Additionally, the Food and Drug Administration (FDA) plays a role in shaping these formulary changes.

Plans may swiftly remove drugs from their formularies if the FDA deems them unsafe or if the drug manufacturer withdraws them from the market.

Moreover, plans meeting specific requirements can promptly replace brandname drugs with newly available generic alternatives. These changes may impact beneficiaries currently taking the affected drugs. Therefore, it’s crucial for beneficiaries to stay informed about any modifications to their drug plan’s formulary.

To ensure transparency and prepare beneficiaries for any formulary changes, Medicare Drug Plans are required to provide advance notice. If a change in coverage is imminent, the plan must send written notification at least 30 days before the change becomes effective.

Additionally, when a beneficiary requests a refill, they should receive written notice of the change, along with at least a

month’s supply under the same costsharing rules as before the change.

To manage costs effectively, Medicare Drug Plans typically categorize drugs into different “tiers” on their formularies.

Each tier represents a different level of costsharing. Generally, drugs in lower tiers require lower out-of-pocket expenses, while those in higher tiers come with higher costs.

Here’s a simplified breakdown of the common tier structure: Tier 1 (Lowest Copayment): This tier includes most generic prescription drugs, offering the most affordable option for beneficiaries.

Tier 2 (Medium Copayment): Preferred brandname prescription drugs typically fall into this category, offering a balance between cost and brand recognition.

Tier 3 (Higher Copayment): Non-preferred brand-name prescription drugs are placed in this tier, often with higher copayments.

Specialty Tier (Highest Copayment): Drugs in this tier are typically high-cost prescription medications, often reserved for specialized medical conditions.

The Role Of Generic Drugs One key strategy employed by Medicare Drug Plans to lower costs is the promotion of generic drugs. Generic drugs are essentially copies of brandname drugs, designed to be identical in terms of dosage form, safety, strength, route of administration, quality, performance characteristics, and intended use.

These drugs contain the same active ingredients as their brand-name counterparts and must undergo rigorous FDA testing to demonstrate their equivalency.

While there may not always be a generic version of the exact brand-name drug you are prescribed, there is often an alternative generic drug available that can provide the same therapeutic benefits.

Discussing your generic drug options with your healthcare provider can lead to substantial cost savings without compromising the quality of your treatment.

Medicare Part D Drug Plans are an essential component of the healthcare safety net for seniors and eligible beneficiaries. They provide coverage for a broad spectrum of prescription medications, offering financial relief to those in need.

Understanding the intricacies of formularies, tiers, and the role of generic drugs is essential for beneficiaries to make informed decisions about their healthcare.

With this knowledge, beneficiaries can navigate the complexities of Medicare drug coverage, ensuring access to the medications they require while managing their healthcare costs effectively.

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Pneumococcal Pneumonia These Well-Known Friends Want To Help Do you know that Medicare Part B (Medical Insurance) covers Pneumococcal Shots (or Vaccines). You can get the Pneumococcal Shot as a Single Dose Vaccine or a 2-Dose Series. In most cases, Part B covers the Single Dose Vaccine or the 2-Dose Series once in your lifetime.

For Hall of Fame quarterback Joe Montana, life after football has been full of taking his shot at some new things.

Actress, Comedian, Author and AwardWinning Broadcaster Sherri Shepherd is joining him. They’re taking their shot at a range of activities while helping spread the word about Pneumococcal Pneumonia - a potentially serious Bacterial Lung Disease. This duo is helping protect themselves against Pneumococcal Pneumonia, and then taking their shot at new activities - while encouraging others to do the same.

with certain underlying medical conditions - like Asthma, COPD or Chronic Heart Disease - to understand they are at an increased risk, too.

It all starts with understanding your risk.

Then, learn the steps to help protect yourself.

Q: How can people help protect themselves against Pneumococcal Pneumonia?

Joe: Vaccination is one of the best ways to help protect ourselves.

Sherri: And even if you’ve been vaccinated against Pneumococcal Pneumonia in the past, your doctor or pharmacist may recommend another vaccination for additional protection.

Joe: Everyone’s situation is different though, so it’s important to talk to a healthcare provider about vaccination.

We posed a few questions to Sherri and Joe about what their favorite activities took a shot at?

Sherri: I always enjoy spending time outdoors so having the experience of photographing nature was really up my alley. It was also really fun to switch things up from my usual Tennis game and team up with Joe here for Pickleball. We make quite the team.

Joe: We sure do. And you know I love a challenge, which is why I was excited to put my chef hat on and try out artistic baking. It’s out of my comfort zone, but I was pretty happy with the final product.

Q: We understand you’re both teaming up with Pfizer to help raise awareness about the importance of getting vaccinated against Pneumococcal Pneumonia. Joe, you’ve done

Q: When can you catch Pneumococcal Pneumonia?

Joe Montana and Sherri Shepherd are helping protect themselves against Pneumococcal Pneumonia this once before, what made you return for round two?

Joe: Well, I now understand how important it is to help prevent Pneumococcal Pneumonia, so I want to make sure others understand it too. Pneumococcal Pneumonia doesn’t take an off-season.

It’s a potentially serious Bacterial Lung Disease that could have the ability to put people in the hospital and can even be life-threatening.

And because I’m over 65, I’m at an increased risk. Others 65 or older should know they are, too.

Sherri: There’s a misconception that you can only get Pneumococcal Pneumonia in the winter or during Flu Season, but it can strike at any time.

Joe: And vaccination is available all year round. That’s why we’re encouraging people to ask their doctor or pharmacist today about getting vaccinated during the “preseason” - before Flu Season starts.

Q: Sherri, we see you’ve joined in on this effort too. Why is raising awareness for Pneumococcal Pneumonia important to you?

Q: Thanks so much for the information, Joe and Sherri. I’m excited to see you both in action. Where can people find out more?

Sherri: Well, living with Diabetes also puts me at increased risk for Pneumococcal Pneumonia. I want to help other adults

Sherri: To learn more about the disease, risks, symptoms and more, visit: www.KnowPneumonia.com

healthcare provider who accepts Medicare assignment.

Understanding the scope of coverage provided by Medicare Parts A and B is crucial. However, it’s equally important to be aware of what is not covered.

What’s Not Covered by Part A and Part B Medicare, while comprehensive, doesn’t cover everything. Here are some items and services that are not covered by Medicare Part A and Part B: Long-Term Care (Custodial Care): Medicare does not cover Custodial Care, which involves assistance with daily activities such as bathing, dressing and eating for an extended period.

Most Dental Care: Routine Dental Care, including Cleanings, Fillings and Dentures, is typically not covered by Medicare.

Eye Exams for Prescription Glasses: Routine Eye Exams for obtaining Prescription Glasses are generally not covered.

Cosmetic Surgery: Any elective Cosmetic Procedures that aren’t medically necessary are not covered.

Massage Therapy: While Massage Therapy can have health benefits, it’s usually not covered by Medicare.

Understanding the scope of coverage provided by Medicare Parts A and B is crucial

What Is And Isn’t Covered Understanding Your Medicare Coverage Navigating the complex landscape of healthcare coverage can be a daunting task, especially when you’re approaching retirement age. Fortunately, Medicare is here to provide a safety net for millions of Americans aged 65 and older, as well as some younger individuals with disabilities.

In this article, we’ll delve into what Medicare covers and explore the two main ways to get your Medicare coverage: Original Medicare and Medicare Advantage Plans.

Original Medicare vs.

Medicare Advantage Plan (Part C) Before delving into the specifics of what Medicare covers, it’s essential to understand the two primary options available for coverage: Original Medicare and Medicare Advantage Plans, often referred to as Part C. Original Medicare consists of two main parts: Part A and Part B. Medicare Part A, also known as Hospital Insurance, covers a wide range of medical services, including Inpatient Hospital Care, Skilled Nursing Facility Care, Hospice Care, Lab Tests, Surgery and Home Health Care.

Let’s take a closer look at what Part A covers.

What Part A Covers Medicare Part A serves as a crucial component of your healthcare coverage, offering protection in various healthcare scenarios. In general, Part A covers the following: Inpatient Care in a Hospital: Part A helps cover the costs of staying in a Hospital, including Room Charges, Nursing Services, Meals and more.

Skilled Nursing Facility Care: This covers Skilled Nursing Care and Rehabilitation Services provided in a Skilled Nursing Facility following a hospital stay.

Nursing Home Care: While not Long-Term or Custodial Care, Part A can help cover limited stays in a Nursing Home if it’s deemed Medically Necessary.

Hospice Care: Medicare provides Hospice Care Benefits for individuals facing Terminal Illness to ensure comfort and support during this difficult time.

Home Health Care: Part A covers medically necessary Home Health Services, such as Skilled Nursing Care, Physical Therapy and Occupational Therapy.

While Medicare Part A offers substantial coverage, it’s essential to remember that it doesn’t cover everything. To determine if Medicare will cover a specific service or item, consult with your healthcare provider or a licensed professional. In some cases, you might require a service that’s typically covered, but your provider believes it won’t be covered in your particular situation. If this happens, you’ll be required to read and sign a notice indicating that you may need to pay for the item, service, or supply.

Let’s explore what Medicare Part B covers.

Medicare Part B extends coverage to two main categories of services: Medically Necessary services and Preventive Services.

Medically Necessary Services or supplies encompass diagnostic and treatment services that are essential to managing your medical conditions and adhere to accepted medical practice standards.

On the other hand, Preventive Services are designed to promote good health by preventing illness or detecting it in its early stages when treatment is most effective.

Most preventive services under Part B come at no cost to you if provided by a

Routine Physical Exams: Medicare does not cover Routine Physical Exams for preventive purposes.

Hearing Aids and Exams for Fitting Them: The cost of Hearing Aids and Related Exams is usually not covered.

Concierge Care (Direct Care): Services provided

by Concierge Medicine practices, where patients pay a retainer for personalized care, are not covered.

Covered Items or Services from OptOut Providers: Medicare generally does not cover items or services obtained from providers who have opted out of Medicare, except in Emergencies or Urgent Situations.

It’s important to note that while Original Medicare (Parts A and B) offers substantial coverage, many individuals choose to supplement their coverage with additional insurance, such as Medicare Part D (Prescription Drug Coverage) and Medicare Supplement Insurance (Medigap), to fill in the gaps and provide more comprehensive coverage.

Understanding what Medicare covers is essential for making informed healthcare decisions as you approach retirement age or become eligible for Medicare due to a disability. While Medicare Parts A and B offer valuable coverage, it’s equally crucial to be aware of their limitations and consider additional coverage options to meet your specific healthcare needs.

Consult with a Medicare expert or healthcare provider to create a coverage plan tailored to your individual requirements and preferences.

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Medicare From Page 1A Advantage plans, Part D prescription drug plans, dental, vision, hearing plans, gap insurance, cancer policies, long-term care, life insurance, and final expense coverage. For those who aren’t yet eligible for Medicare, we also specialize in health insurance solutions for the under-65 market, working with all major carriers and offering options under the Affordable Care Act (Obamacare).

My clients describe me as patient, consultative, and ethical. They know I always have their best interests at heart, checking in frequently to ensure their plans continue to meet their needs. I’m accessible during evenings and weekends, and everyone has access to my cell number in case of emergencies. The best part? Our services come at no cost to you; we’re compensated by the insurance companies we represent.

Medicare Open Enrollment Medicare Open Enrollment is a crucial period for beneficiaries, occurring from October 15 to December 7 each year. This window offers beneficiaries the opportunity to review and make changes to their Medicare coverage. There are several compelling reasons why this period demands your attention: Plan Review and Comparison: During open enrollment, Medicare beneficiaries can assess their current Medicare plans, including Original Medicare (Part A and Part B), Medicare Advantage, and Prescription Drug Plans. Comparing plans can help you find better options tailored to your specific needs.

Medicare Supplement Price Shopping: Did you know that all supplement plans are standardized? Plans like F, G, or N offer identical coverage, so why do prices differ so significantly among carriers? Open enrollment is the perfect time to price shop and secure the best pricing for your chosen plan.

Changes in Health Needs: Health requirements can change over time.

During open enrollment, beneficiaries have the opportunity to evaluate whether their current coverage adequately meets their evolving healthcare needs.

Cost Savings: Medicare plans can alter their premiums, deductibles, copayments, and coverage from year to year. Beneficiaries can potentially find cost-effective options that better align with their financial circumstances.

Prescription Drug Coverage: Medicare Part D plans may change the drugs they cover and their pricing. Open enrollment ensures that Part D beneficiaries continue to receive coverage for their medications without substantial cost increases.

Network Changes: Medicare Advantage plans come with provider networks.

Beneficiaries should verify whether their preferred doctors and healthcare facilities remain in-network with their chosen plan.

Plan Ratings and Quality: Medicare assesses the quality and performance of healthcare plans, including Medicare Advantage and Part D prescription drug plans. Utilize open enrollment to select plans with higher ratings and superior quality of care.

Carol Foley And Her Partner Jack Roken Also Licened Agent

Medicare Savings Programs: Some beneficiaries may qualify for Medicare Savings Programs or Extra Help, offering assistance with Medicare costs. We can check your eligibility and help you enroll in these programs if you qualify.

Medicare open enrollment is the annual opportunity for beneficiaries to evaluate their healthcare needs, explore their Medicare coverage options, and make informed decisions to secure the most suitable and cost-effective coverage for the year ahead. Please take advantage of this time and speak with a Licensed Insurance Agent and Medicare Specialist.

Protect Yourself from Medicare Scams As a Medicare specialist, part of my role is to guide clients on protecting themselves from Medicare scams. Safeguarding your personal information and finances is vital to avoid falling victim to fraudsters. Here are some tips to help you protect yourself: Be Skeptical of Unsolicited Calls or Emails: Medicare will not initiate contact via phone calls, emails, or in-person visits.

Be cautious if you receive unsolicited communications claiming to be from Medicare.

Never Share Personal Information: Refrain from sharing your Medicare number, Social Security number, bank account details, or other personal information with anyone who contacts you unexpectedly. If someone claims to be from Medicare, request their name, phone number, and a callback number. Verify their identity independently by calling Medicare directly at: 1-800-MEDICARE. Protect Your Medicare Card: Keep your Medicare card in a secure location and only carry it with you when necessary.

Avoid sharing your Medicare card or number with anyone except trusted healthcare providers.

Beware of Free Offers: Scammers often use the lure of “free” services, equipment, or medical supplies to trick individuals into sharing personal information. Medicare does not make such offers via phone calls.

Avoid Calling 1-800 Medicare Ads: Calling the numbers advertised on television can put you on call lists, leading to incessant phone calls. Instead, seek assistance from an independent agent you trust.

Protecting yourself from Medicare scams necessitates vigilance and skepticism when dealing with unsolicited communications or offers related to healthcare services. Always verify the identity of individuals or organizations claiming affiliation with Medicare before sharing any personal information.

If you have any questions or need

assistance, I’m here to help. My team looks forward to working with you, and remember, our services come at no cost.

We are also happy to simply review your current policy and review your coverage with you.

Carol Foley, Licensed Insurance Agent and Medicare Specialist Main Line Benefits Co. 1980 South Ocean Dr, Hallandale Beach 610-639-5616 www.mlbenefitsco.com

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Hallandale Beach CRA Launches Free Car Ride Service To Boost Local Businesses The Hallandale Beach Community Redevelopment Agency (CRA) is thrilled to announce its latest initiative to promote local exploration and enhance the city’s vibrant community. As part of their ongoing commitment to providing residents and visitors with every opportunity to experience the best that Hallandale Beach offers, the CRA proudly announces Freebee.

Freebee is a ride service available in Hallandale Beach at zero user cost. It transforms how people experience the community by providing free rides to many destinations. This fully electric option will give the riders a more comfortable and enjoyable experience while reducing transportation’s environmental impact.

By downloading the app and scheduling a ride, individuals can venture freely around set destinations in the city without worrying about transportation costs.

Whether you’re a local looking to rediscover the wonders of Hallandale Beach or a visitor eager to explore the charm of this coastal paradise, this service provides the perfect opportunity to create unforgettable memories in Hallandale Beach.

“We are excited to bring this service to Hallandale Beach to connect our community further and encourage exploration of the city and our local businesses,” said Dr. Jeremy Earle, City Manager and Executive Director of the Hallandale Beach CRA. “Hallandale Beach boasts many cultural, culinary, and recreational locations, and Freebee will facilitate access to our city treasures. We invite everyone to take advantage of this fantastic service.”

With over 60 businesses already registered to participate, residents and visitors can take the Freebee out for an afternoon of shopping or a night on the town.

Many of these businesses are in District 8, Atlantic Village, and Gulfstream Park.

Restaurants like KAO Bar & Grill and Icebox Cafe are included and there are more new businesses signing up every day.

The current service hours are 12pm 9pm Sunday to Thursday and 12pm 12am Friday and Saturday. Download and use the Freebee app to begin or end your rides within District 8, Atlantic Village, or Gulfstream Park and enjoy the convenience of getting dropped off right at your favorite local businesses.

About the Hallandale Beach Community Redevelopment Agency The Hallandale Beach CRA aims to promote economic development and enhance the quality of life for residents and visitors alike. Their unwavering commitment to eliminating and preventing blighted conditions is achieved through facilitating community partnerships, fostering business growth, creating job opportunities, and undertaking neighborhood rehabilitation projects. With a vision to build a thriving and dynamic city, the Hallandale Beach CRA continually strives to make Hallandale Beach a prime destination for both business and leisure.

For more information about the Hallandale Beach Community Redevelopment Agency and its initiatives, please visit: www.cohbcra.org

Prescriptions fall in and out of coverage or change price levels, so please review to see if your drugs are still covered and if there are any new restrictions.

• Changes in co-pays. Check to make sure your doctor co-pays, including primary and specialists in and out of network, have not changed.

• Network changes. This will show you if your doctors and pharmacies are no longer in your network or are no longer a preferred provider.

• Out-of-pocket maximum. This is the amount of money you will pay out-of-pocket for all Medicare-covered expenses. Make sure to review this section to see if your out-of-pocket limit has changed.

If you ignore the ANOC letter and you do nothing during the Annual Enrollment Period, your current plan will renew for 2024

If You’re 65, There Is One Piece Of Mail You Shouldn’t Ignore (BPT) - Are you or someone you love on Medicare? As the Annual Medicare Annual Enrollment Period approaches (it starts on October 15th and runs through December 7th), no doubt your mailbox will be flooded with letters, flyers and postcards from insurance companies and brokers pushing many Medicare options. But the one piece of mail you need to pay attention to is your current Medicare plan’s Annual Notice of Change, commonly referred to as ANOC. All Medicare Advantage Plans and Part D Prescription Plans are required to send out this important letter before the end of

September. They must tell you if your current plan is changing in any way, because if there are changes that you don’t like, you have the right to change your plan during the Annual Enrollment Period. And yes, Medicare plans can change from year to year - and sometimes not for the better.

What if your prescription drugs are no longer covered, you will need time to review different policies just to see if they are covered and if so what the costs are?

Your doctor leaves the network? Your premium suddenly increases? Your copayments jump? Protect your health and your wallet ... read that ANOC letter!

Each insurance company has their own version of the ANOC letter, which may be up to 20 pages long, so grab a cup of coffee and get comfortable! Here are 6 things to look out for when reviewing your ANOC. • Change in plan premium. It’s likely that a plan’s premium may change from year to year. How much is dependent on what the individual carrier changes, but you could even see a plan with a $0 monthly premium change to having an actual dollar amount for you to pay.

• Drug list changes. It’s so important that you look at this list, also called the drug formulary.

• Additional benefits in Medicare Advantage plans. For those with a Medicare Advantage plan, you may have coverage for additional benefits like Dental, Vision, Hearing, Telehealth and more.

Caution! If you ignore the ANOC letter and you do nothing during the Annual Enrollment Period, your current plan will renew for 2024 - and you won’t be able to make any changes until October 2024.

But if you review your plan’s annual notice and decide that your current plan may not be right for you in the coming year, it’s time to consider changing your plan for 2024. According to the Kaiser Family Foundation, “The average Medicare beneficiary in 2023 has access to 43 Medicare Advantage plans, the largest number of options ever.”

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Medicare members and caregivers: You may be surprised to learn Original Medicare doesn’t generally cover prescription drugs. Consider adding Part D or enroll in a Medicare Advantage plan with prescription drug coverage to help keep your medication costs in check.

4. Check for Mental Health Coverage.

In addition to In-Person Mental Health Care, you may have access to a large Virtual Network of Therapists and Psychiatrists. Some health insurers also offer advocacy services to help you find the right type of Behavioral Health Care.

Medicare members and caregivers: Look for plans that offer Virtual Mental Health Care with a $0 copay.

As you weigh your options, ensure you’re familiar with the difference between Original Medicare and Medicare Advantage

7 Tips For Choosing Your Health Benefits Employer Coverage or Medicare Coverage It’s Time To Review Your Benefits (BPT) - As inflation in the U.S. remains high, you may be looking to adjust your lifestyle and spending habits. But when it comes to health care, it’s important to keep your budget and Well-Being in mind.

This year’s open enrollment season is a good chance to review how you’re using health services and decide whether you’ll stick with the plan you’ve got or switch to another being offered. It’s also an opportunity to assess your overall care costs to help ensure you choose a plan that will work best for next year’s budget.

Enrollment timing: For people with coverage from their employer, open enrollment typically happens during a two - or three-week period between September and December. For those eligible for Medicare, the Medicare Annual Enrollment Period runs from October 15th December 7th each year. Coverage selections made during the fall will take effect on January 1st, 2024.

Here are seven tips to consider when choosing a plan that may help lead you to better health and cost savings: 1. First, consider all your options.

Take time to understand and compare the benefits, services and costs of each plan available to you, so you can figure out which will be the best fit. Pay attention to more than just the monthly premium.

You also should understand what out-ofpocket costs, including the deductible, copays and coinsurance, you may be responsible for.

Medicare members and caregivers: As you weigh your options, ensure you’re familiar with the difference between Original Medicare and Medicare Advantage. If you need a review, visit: www.MedicareEducation.com - an online resource with answers to questions about eligibility, plan choices, cost basics, prescription coverage and more.

2. Learn the language.

If you’re overwhelmed by or unsure about certain health care terms, there are resources to help. As a start, check out UnitedHealth Group’s Just Plain Clear Glossary (in English, Spanish and Portuguese) to help you make informed decisions.

Medicare members and caregivers: There’s a lot to learn about Medicare and Medicare Made Clear can help you understand the basics, the complexities and everything in between.

3. Help prevent financial surprises.

Visiting doctors that are in-network is one way to help keep your costs lower. So before selecting a plan, check to see if your doctor is in your health plan’s provider network. Also, make sure your medications will be covered by the plan you choose next year - even if you don’t expect to change plans. Look into filling

5. Don’t forget about specialty benefits.

Additional benefits, such as Dental, Vision, Hearing or Critical Illness Insurance, are often available and may contribute to overall Well-Being.

Medicare members and caregivers: You may be surprised that Original Medicare doesn’t cover most Dental, Vision and Hearing Services, but many Medicare Advantage plans do.

6. Look into wellness programs.

Many health plans offer incentives that reward you for taking healthier actions, such as completing a health survey, exercising or avoiding Nicotine.

Medicare members and caregivers: Many Medicare Advantage plans also offer Gym Memberships and Wellness Programs for members at no extra cost.

7. Explore virtual care services.

If you’re busy or just prefer connecting with a doctor from the convenience of your home, consider choosing a plan that includes 24/7 Virtual Care. You may have access to Virtual Wellness Visits, Urgent Care and Chronic Condition Management.

Medicare members and caregivers: Most Medicare Advantage plans provide access to Virtual Care, which can be an easier, more affordable way to talk with doctors about common health issues on a SmartPhone, Tablet or Computer.

For more helpful articles and videos about open enrollment, visit: www.UHCOpenEnrollment.com

Price Predictions for 2024 Medicare Will Continue To Have Robust Options According The The CMS If enrollees choose to stay in their plan, most will experience little or no premium increase for next year, with nearly 73% of beneficiaries not seeing any premium increase at all Recently, the Centers for Medicare & Medicaid Services (CMS) announced that average premiums, benefits, and plan choices for Medicare Advantage and the Medicare Part D prescription drug program will remain stable in 2024.

Improvements adopted in the 2024 Rate Announcement, as well as the 2024 Medicare Advantage and Part D Final Rule, such as increased beneficiary protections around marketing and prior authorization and increased access to behavioral health, support this stability. CMS is committed to ensuring these programs work for people enrolled in Medicare, that benefits remain strong and stable, and that payments to plans are accurate.

Additionally, thanks to the Inflation Reduction Act, people with Medicare Part D prescription drug coverage will continue to have improved and more affordable benefits, including a $35 cost-sharing limit on a month’s supply of each covered Insulin product, recommended adult vaccines at no cost, and additional savings on their Medicare Part D drug coverage costs in 2024.

These savings include the expansion of the Low-Income Subsidy (LIS) Program, also called Extra Help, which helps eligible enrollees afford their premiums and costsharing, as well as a cap on out-of-pocket costs for millions of people with very high drug costs in the catastrophic phase of the Part D benefit.

CMS is releasing this key information, including 2024 premiums and deductibles for Medicare Advantage and Medicare Part D prescription drug plans, ahead of the upcoming Medicare Open Enrollment, beginning October 15, 2023, to help people with Medicare determine the best Medicare coverage option for their health care needs.

“A top priority for CMS is to protect and strengthen the Medicare program for people with Medicare, their children, and their grandchildren,” said CMS Administrator Chiquita Brooks-LaSure. “It is important for people with Medicare to review their health care coverage and explore their Medicare options during

Open Enrollment. The Biden-Harris Administration has taken many steps to improve Medicare Advantage and the Medicare Part D prescription drug program, and premiums and benefits in 2024 for Medicare Advantage will remain stable.”

The average monthly plan premium for all Medicare Advantage plans, which includes Medicare Advantage-Prescription Drug plans, is projected to change from $17.86 in 2023 to $18.50 in 2024 (an increase of $0.64). If enrollees choose to stay in their plan, most will experience

(VBID) Model in 2024, which will test the effect of offering person-centered innovative benefits that are critical to meeting health care needs and improving health equity to a projected 8.7 million people. The VBID Model expands access to additional supplemental benefits that can address a wide range of needs, such as food and nutrition benefits. The VBID Model offers plans the flexibility to target these benefits to people with chronic conditions or low incomes.

The VBID Model’s Hospice Benefit Component, now in its fourth year, will

little or no premium increase for next year, with nearly 73% of beneficiaries not seeing any premium increase at all. Plan choice is also increasing, and people with Medicare continue to have the ability to switch Medicare options. Medicare Advantage supplemental benefit offerings will increase slightly in 2024.

“Today’s release shows that, as expected, people with Medicare will continue to have robust options and stable benefit offerings in the MA market,” said CMS Deputy Administrator and Director of the Center for Medicare Meena Seshamani, MD, Ph.D. “We encourage individuals eligible for Medicare to review these options as well as Traditional Medicare and enroll in the option that best meets their health needs.”

Enrollment in Medicare Advantage is projected to increase from 31.6 million in 2023 to 33.8 million in 2024. The projected Medicare Advantage enrollment in 2024 will represent approximately 50% of all people enrolled in Medicare, compared to approximately 48% for 2023.

In addition, more than 1,500 Medicare Advantage plans will participate in the CMS Innovation Center’s Medicare Advantage Value-Based Insurance Design

also be offered by 78 Medicare Advantage plans in portions of 19 states and U.S. territories, providing enrollees increased access to palliative and integrated hospice care.

CMS previously announced that the average total monthly premium for Medicare Part D coverage is projected to be approximately $55.50 in 2024. This expected amount is a decrease of 1.8% from $56.49 in 2023.

Stable premiums for Medicare Part D prescription drug coverage in 2024 are accompanied by improvements to the Part D program made by the Inflation Reduction Act that allows people with Medicare to benefit from reduced costs in 2024.

Medicare Open Enrollment — Important Dates & Resources Medicare Open Enrollment begins on October 15, 2023, and ends on December 7, 2023. During this time, people eligible for Medicare can compare 2024 coverage options on Medicare.gov. Medicare.gov, as well as the Medicare Plan Finder, provide clear, easy-to-use information to allow people to compare options for health and drug coverage, which may change from year to year.

Medicare Plan Finder will be updated with the 2024 Medicare health and prescription drug plan information by October 1, 2023. 1-800-MEDICARE is also available 24 hours a day, seven days a week, to provide help in English and Spanish as well as language support in over 200 additional languages. People who want to keep their current Medicare coverage do not need to re-enroll.

During Open Enrollment, people with Medicare are encouraged to call: 1-800MEDICARE or contact their State Health Insurance Assistance Programs (https:// www.shiphelp.org/) for help comparing plans and costs this year.

To help with their Medicare costs, low-income seniors and adults with disabilities may qualify to receive financial assistance from the Medicare Savings Programs (MSPs).

The MSPs are essential to help millions of Americans access highquality health care at a reduced cost, yet only about half of eligible people are enrolled. The MSPs help pay Medicare premiums and may also pay Medicare deductibles, coinsurance, and copayments if people meet the conditions of eligibility. Enrolling in an MSP offers relief from these Medicare costs, allowing people to spend that money on other necessities like food, housing, or transportation. Individuals interested in learning more can visit: https://www.medicare.gov/your-medicarecosts/get-help-paying-costs/medicaresavings-programs.

In addition, the Low-Income Subsidy Program, also called Extra Help, is a Medicare program that helps qualifying individuals pay Part D premiums, deductibles, coinsurance, and other costs. In 2024, this program is expanding thanks to the Inflation Reduction Act, allowing all eligible enrollees to benefit from no deductible, no premium, and fixed lower copayments for certain medications. Enrollees can save nearly $300 per year, on average, according to estimates; up to 3 million seniors and people with disabilities could benefit from the Extra Help program now but aren’t currently enrolled. Individuals who enroll in MSPs automatically qualify for help affording their prescription drugs through the Extra Help program.

To learn more about the Low-Income Subsidy Program, visit: Medicare.gov/extrahelp

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ChenMed From Page 1A stay healthy and secure.”

Establishing Improved Health Outcomes through Primary Care Champions for making primary care the cornerstone of each patient’s healthcare journey, Chen doctors and care team members offer comprehensive and continuous support by nurturing enduring relationships with their patients. By developing deep familiarity with their patients’ medical histories, meeting with them on an ongoing and regular basis, and accessing their patients’ specialist records, Chen’s doctors and care teams cultivate an intimate understanding of medical history, social contexts and unique healthcare requirements – all to enable better care coordination.

In situations where patients seek care from multiple specialists, Chen doctors can excel at synthesizing critical information, to provide an all-encompassing perspective on their patients’ health. This comprehensive insight leads to wellinformed care decisions and tailor-made care plans that account for the patient’s entire medical background.

Harmonizing the Continuum of Care Health often becomes more complex as people age. So, it is important to understand that specialist doctors often lack the time to understand the important nuances in any patient’s complete medical records. This is precisely why Chen’s high-touch approach to primary care is so valuable to aging patients. Chen primary care providers (PCPs) stay at the forefront of connecting patients to various medical specialties. They forge seamless collaborations with specialists to guarantee a smooth handover of care, all while nurturing a shared understanding of each patient’s unique needs and aspirations.

Each Chen doctor oversees the coordination of appointment schedules; the sharing of pertinent medical records; and ensures efficient communication among providers throughout the healthcare system – all to benefit patients. They mastermind a continuum of care, that effectively reduces fragmentation, avoids redundant tests, and uplifts the overall quality of healthcare.

Care coordination becomes even more imperative for patients grappling with chronic conditions that frequently necessitate the expertise of multiple specialists.

Chen primary care clinicians function as the central pivot, aligning disparate treatment strategies and ensuring harmonious care delivery. They meticulously monitor the patient’s progress, adapting treatment plans as circumstances demand and extending consistent support.

By integrating diverse medical specialties and services, Chen PCPs optimize the management of chronic conditions, leading to superior outcomes and increased patient satisfaction. Furthermore, owing to their enriched medical knowledge relative to the patients they serve, Chen PCPs establish networks with specialists, facilitating discussions about perplexing or ambiguous assessments and treatment plans. While patients might not have direct access to their specialists beyond scheduled appointments, Chen doctors diligently engage in peer-to-peer exchanges with specialists, clarifying the patient’s healthcare trajectory.

“Many of our patients have had little access to the kind of medical care and services that all of us need to lead our healthiest lives,” said Steve Nelson, ChenMed President. “To truly provide them with whole person (value-based) care, we need to understand and address the practical issues that determine and directly impact the quality of their day-today living. This is a primary focus of ChenMed team members, including our patient advocates, social workers, nurse practitioners, and doctors, who make it

Belisa Guzman-Suarez, M.D., Regional Medical Director at ChenMed, (pictured, left) uses a loving, personalized approach with her patients. their mission to learn of the burdens our patients face beyond their medical status and work together to remove them.”

Elevating Patient Safety and Contentment Effective care coordination within the primary care realm is a catalyst for bolstering patient safety and enhancing their overall contentment. When doctors are armed with a comprehensive understanding of the patient’s healthcare odyssey, they are proficient in spotting potential care gaps and inconsistencies. They identify these issues and champion the patient’s cause, ensuring appropriate referrals, timely follow-ups, and judicious medication management. These proactive

measures minimize the risk of medical errors, fostering a strong, trust-based relationship between the patient and their PCP. This, in turn, results in heightened satisfaction with the entire healthcare experience.

The significance of care coordination within primary care has become an essential facet of healthcare.

PCPs, acting as the central figures with access to specialist records, assume a distinctive role as the linchpin in orchestrating and managing diverse facets of the patient’s healthcare journey. By promoting collaboration, easing communication, and integrating care across various specialties, PCPs significantly contribute to the reali-

Joseph A.

SCARANO

zation of seamless, patient-centric care. In an ever-evolving healthcare landscape, care coordination within primary care remains an enduring pillar for optimizing patient outcomes and elevating the overall quality of care.

ChenMed remains deeply committed to care coordination within primary care.

The company’s PCPs work to provide a unified healthcare experience for their patients rather than treating them as isolated components of a fragmented medical system.

For information Call: (305) 239-9010, Visit: www.chendoctor.com or www.chenmedico.com

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Code Enforcement It’s Important To Preserve Our City and Neighborhoods

By Hallandale Beach Mayor, Joy Cooper

As the war in Israel continues our City remains vigilant here at home. I cannot express my overall gratitude to Vice Mayor Anabelle Lima-Taub, City Manager Dr. Earle, Chief Michel and our entire City Staff that have united to support Israel.

Over the past weekend I signed an Emergency Declaration that follows our Governor’s Emergency Order. The Emergency Declaration will help our PD in the event there is a need to request emergency aid and staffing to protect our community.

While there have been no credible threats received by our City or other surrounding neighbors our PD has beefed up community patrols. As it is said, better safe than sorry. Our community is safe, and our officers will remain vigilant. I must stress that each one of us needs to do our part. If you see something, say something.

While we are all focused-on world events our neighbors in the Palms Neighborhood have been watching an issue playout over the past year on a once vacant lot. Recently that owner delivered 7 cargo containers and stacked them on top of an illegal container. This has left residents in disbelief and anger as to how the City could allow this to happen. I support and share in their anger. The problem is our city has done what it can do from a legal standpoint. Now it is up to the courts.

Cities are granted Code Enforcement powers in State Statute Chapter 162. It provides municipalities with the authority to Enforce Codes to eliminate conditions that threaten life, health safety and general welfare of residents. The process provides for the ability for officers to issue notices of violations. The property owner then has the responsibility to correct the violations.

Depending on the violation, which may be something easy like debris or lawn cutting, they can do the work and then the code will verify it was completed and addressed. If the work needs permitting, so long as the property owner starts the permitting process to correct the problem cited, code will allow the violation/s to stand and not seek fines. If there is no progress they will be sent to the special magistrate where the City will ask for a ruling.

If violations are not corrected the property owner will be given a notice to appear in front of a special magistrate.

The magistrate is different from a judge.

Magistrates have the authority to hear the cases and rule on the violations.

This “container” property in Hallandale Beach has been cited three times now. To date the fines are over $250,000 dollars and still running.

Witnesses are sworn in just like court as the proceeding may become evidence.

The city presents their case. The property owner then presents their case. The magistrate will then rule in a few ways.

Often cases are given more time to comply. Typically, 60 days. For cases that have come back again, the ruling may have to have fines to commence. Fines can range up to $500/day per violation.

I need to note the Code Statute was written years ago. When it was created there was language provided for fines and limitations. Cities with over a 50,000 population can be fined up to $1,000 a day for violations. For environmental fines it can be $15,000 a day. In our city even though we have a population of 40,000 people we are limited to $500 and $5,000.

I have been researching the history behind the rules but have yet to be given an answer why. We have asked that these rules be changed as fines are one of the few tools we have for compliance.

So, properties that have not addressed their violations the fines will accrue. This does not mean the properties will get fixed or cleaned up. Quite often properties will be sold, and the fines will then need to be paid off. The City does have a Lien Mitigation Program where fines may be reduced. This is a policy and procedure the City establishes. Ours provides more relief for homesteaded properties than commercially owned properties. Each case is evaluated individually. The application to request mitigation is submitted to the Code Official who makes

recommendations. It then is approved or amended by the Director of the Department of Sustainable Development.

The next step is the City must decide if there is a strong case to file Foreclosure on the Lien on unpaid accumulated fines in court. In addition, the City can consider filing for the ability to access private property in extreme cases. The burden of course is on the City.

The rights laws are very strict. There is a good reason to protect owners’ rights but more importantly the Constitution provides for privacy rights and seizure protection. The only way police or the City can enter private property is with a warrant issued by the circuit courts. The police can only enter if they have cause to believe there is a legitimate threat to life.

The “container” property has been cited three times now. The first was for not registering the vacant land. This registration law provides that the City has direct contact with the owners. That violation accrued $18,000 dollars. They finally did register. They were then fined for parking a camper, container and fencing without a permit. Then they were cited for work without a permit after constructing an outdoor covered area. To date the fines are over $250,000 dollars and still running. The last case went to code two weeks ago for placing additional

containers. These fines will run separately.

The city has a Foreclosure Ordinance.

To date we have not aggressively used the ordinance. We do not want to take properties as our goal is to have them taken care of and kept up to code. Our City Attorney and Chief Code Official are working on an internal policy to set rules when we can file for Lien Foreclosures.

A case has been filed on the Outstanding Liens in circuit court. This process obviously is now up to the court system. We have little control over the time frame. The first step can take up to three months. Then there would need to be a hearing date set. There could be a glitch thrown into the process if the owner declares bankruptcy. In the event that the owner does continue to stall, and this blight remains, our attorney has filed a separate case to ask for permission to access and clean out the lot.

Code Enforcement is important to preserve our city and neighborhoods. We want to make sure we maintain a quality of life so everyone can enjoy their homes.

We will continue to do what we can within the laws. Residents need to understand that in most cases there will be results. In this case, which is extreme, there will be a resolution. The issue is we cannot go onto the property, so we are at the mercy of the court system.

As always please feel free to contact me anytime with your questions, concerns, and ideas to make our City a better place! I am available at: jcooper@cohb.org. Or: joycooper@aol.com.

At my office number: (954) 457-1318. Or on my Cell/Text at: (954) 632-5700. You can always visit my Facebook and follow me at Mayor Joy Cooper.

Illuminating The Future City Of Hollywood Street Lights Get An Upgrade In the heart of Hollywood, a silent revolution is taking place, one that’s not only illuminating the city but also brightening the lives of its residents. The City of Hollywood Street Light Upgrade Project is on the horizon, promising a more radiant and secure urban landscape. This transition to State-Of-The-Art LED Lighting is not merely about aesthetics but a vital step towards enhancing visibility, energy efficiency, and the overall safety of the city streets.

A city’s streets are its lifeline, a network of arteries that pulse with the vitality of urban life. Properly lit streets contribute significantly to the quality of life, making it safer and more inviting. When street crossings are well-lit, they inspire residents to step out and explore their neighborhood on foot, while also acting as a deterrent to crime and vandalism. The City of Hollywood Street Light Upgrade is poised to make these aspirations a reality, ensuring a brighter, safer, and more vibrant community.

Florida Power and Light has been leading the way by replacing Traditional HighPressure Sodium Vapor (HPSV) Fixtures with Energy-Efficient LED Lighting over

Older Light Fixtures the past few years. This initiative aims to not only improve the quality of light but also to reduce energy consumption and its associated costs. The City of Hollywood has decided to follow suit, embarking on a mission to upgrade more than 2,000 City-owned fixtures.

A recent Audit conducted by NORESCO meticulously examined the condition and ownership of the city’s streetlight fixtures. The Audit identified 2,748 fixtures owned by the City, all of which were in dire need of an upgrade to LED. The transition is set to begin this fall, and while the physical poles will remain mostly unchanged, the fixtures themselves will be swapped out to accommodate LED Bulbs. The result will be a noticeable transformation in the quality of light, with brighter and whiter illumination directed towards the streets.

For residents curious about when these

New Demo Light Fixtures upgrades will touch their neighborhoods, a handy interactive map is available at: https://experience.arcgis.com/experience/ 2775d09de2e24b7ca90b7af0b8e68186 This tool offers real-time insights into the progress of the Hollywood City Street Light Upgrade, keeping everyone in the loop about when the transformation will brighten their streets.

If you missed the recent Community Meeting on October 12th, there’s no need to worry. You can still catch up by viewing the video at: https://cohfl.webex.com/ recordingservice/sites/cohfl/recording/ playback/0855bf804b79103cbed72 ec814f1ef58 - This recording provides a valuable insight into the discussions, con-

cerns, and the enthusiasm surrounding the Hollywood City Street Light Upgrade.

For those who wish to delve deeper into the technical aspects and the rationale behind this upgrade, the public presentation is available at: https://flhollywood2.civicplus.com/Document Center/View/22203/Hollywood-StreetlightReplacement-Project - This presentation details the project’s scope, goals, and the expected benefits, ensuring that all questions are answered.

The official website of the City of Hollywood serves as an invaluable resource for residents seeking additional information, which can be visited at: www.hollywoodfl.org

As the city takes a monumental step towards illuminating its streets with the brilliance of LED Technology, it’s not just about the change in light fixtures but a brighter future for Hollywood. These upgrades are a testament to the city’s commitment to Safety, Sustainability, and the Well-Being of its residents!

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Titan Restoration Inc. Is A Company That Cares

By Erika Cartwright

Restoration Inc. works with all Florida remodels, as well as a wide variety of experts at Titan Restoration Inc. to have The only thing in life that is certain, is homeowners’ insurance companies. other services. Throughout this process, you breathing easier, in a mold-free enviTo assess the situation Titan Titan Restoration Inc. will be working with ronment. that anything can happen at any time.

Such tragedies as; fire, hurricanes, and Restoration Inc. offers state-of-the-art your insurance company every step of the Once the mold has been identified, the floods are real and do happen, bringing leak detection, using infra-red cameras. way. mold remediation process begins. Titan with them water damage and the potential This allows for non-invasive, non-messy You should never attempt to remove Restoration Inc. will dry out the affected for harmful mold and bacterial growth. leak detection. No need to tear up dry wall mold without a licensed professional, it is area using fans and dehumidifiers.

Water damage can occur for several rea- or floors just to find the source of the leak. unsafe, and hazardous to your health. Followed by thoroughly cleansing and sons, some you may not notice right away, such as sewer issues, a leaking roof, and clogged or leaking pipes, just to name a few.

During these times you need licensed professionals with a plan of action that can ease the stress and take the headache of dealing with the insurance company off your hands. Allowing you to focus on what is important to you in your time of need.

Titan Restoration Inc., formerly known as 1st Priority, is a trusted, licensed Cleaning, Water Damage Restoration, and Mold Remediation Company proudly serving all of southern Florida.

The main office is in Broward County. Technicians are throughout; Collier, Lee, Martin, MiamiDade, Monroe, Palm Beach, and St. Lucie Counties, allowing them to arrive at the site within 45 minutes in times of emergency. With emergency calling 24/7, you are never more than a phone call away from friendly, efficient, caring, knowledgeable professionTitan Restoration Inc. is a trusted, licensed Cleaning, Water Damage Restoration, and Mold Remediation Company proudly serving all of South Florida als.

Whether the water damage in your home or business was caused by a Once the leaks have been found, you will Mold thrives in dark, damp environments sanitizing the affected areas using antileaking pipe, roof, or major flood, Titan be referred to a trusted, licensed plumber. such as under the kitchen or bathroom microbial agents effective for moldRestoration Inc. is here to help. To sched- After the repairs’, State-of-the-art special- sinks, in unventilated basements, and eliminating and prevention. HEPA air puriule non-emergency services or to request ized equipment is used to detect moisture closed in laundry rooms. It can even be fiers are used to capture any airborne a free estimate please visit: www. levels in the air, dehumidifiers are placed found behind drywall. Because of the heat mold spores, leaving you with clean air.

Titanrestorationfl.com their user-friendly in the affected area, and a Florida- and humidity which Florida is known for, it Green cleaners are used for mildew website makes scheduling appointments licensed Mold Inspector will be sent to do provides a perfect environment for mold removal. Since mold spores are airborne a mold inspection. Samples will be taken to thrive. Vigilance is key when it comes to and invisible to the naked eye it is neceasy.

For emergency services call 954-280- of the air and mold. The specimens will be mold remediation. Bleach and paint alone essary to deep clean the air ducts, car6950, technicians will arrive within the sent to their private laboratory for testing. will not eliminate the problem, only hide it, pets, furnishings, and upholstery. hour to begin the process of helping you This will determine which type of mold allowing it to grow unseen and spread. Homeowners’ insurance covers the cost in most cases following water damage. These services are offered year-round, and it is recommended to have these done once a year to remove allergens, bacteria, dirt, and grime buildup that occurs naturally over time.

These services are recommended more frequently if you have pets, suffer from allergies, or are a smoker, to ensure peace of mind and healthier living.

After the repairs are completed and your home or business is restored to its pre-loss condition, a Florida statelicensed Mold Inspector will be sent out to do a final inspection, to ensure all mold concerns were effectively eliminated.

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Titan Restoration Inc. is a Titan Restoration Inc. is a customer-friendly company that also specializes in kitchen and bathroom remodeling. customer-friendly company that also specializes in kitchen and get your life back. With services such as they are dealing with. Some molds are This causes more damage to your home bathroom remodeling from drywall and emergency packing and storing of sal- more toxic than others such as black and health over time. People and pets all baseboards to cabinetry and flooring. It is vageable belongings, following fire or mold, knowing the type, allows for proper respond differently to mold and mildew. not necessary to have damage to your flood, and standing water removal also precautions to be taken to ensure effec- For some, it may be watery eyes, itchy home, to call on Titan Restoration Inc. for available, they handle it all for you from A- tive treatment and removal of the mold. throat, cough, or skin irritation. Confusion, all your remodeling needs.

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Hallandale Beach Stands With Israel City Officials Held A Vigil At City Hall On October 10th To Show - We Are United

By Ira Liebowitz

A heterogeneous mix of humanity attended an emotional vigil in staunch solidarity for Israel after atrocities had been committed by Islamic terrorists against innocent civilians of the Jewish state.

The event, which took place outside Hallandale Beach City Hall, had been coordinated remarkably in just the 48 hours prior to the event by Vice Mayor Anabelle Lima-Taub and Mayor Joy Cooper. Residents of Hallandale Beach had been contacted by telephone the day before, alerting them to the impromptu vigil to inform the public as well as to pray for the nation of Israel amid suffering brought on by unprovoked aggression by the militant group, Hamas.

Perhaps 300 people of all ages, ethnicities and backgrounds attended the vigil on Tuesday, October 10th, which began at 6:30 p.m. and ended past 9:00 p.m. members of the city commission, police force, the religious community some orthodox, others “reformed” attended. A hodgepodge of people gathered to represent the best of homo sapiens and promote peace and unity. The motorcyclists, Rolling Thunder, held a placard as they expressed solidarity as well as kind hearts.

Present were several of the rabbinical community. Speakers took to a microphone, many speaking spontaneously from the heart with great compassion and feeling—eloquently. All virtually touched upon the same subjects regarding unity and the need to obliterate purveyors of terror. They were angered with the mentioning of the unimaginable crimes that were perpetrated, reminiscent of the carnage against humanity during the Holocaust more than three quarters of a century ago.

Never Again!

Never Again! — The cry expressed regarding the atrocities committed during the Holocaust. Also, the axiom of history, if forgotten, may repeat itself, was expressed at the vigil. It is all but forgotten that as concentration camps were liberated as WWII ended, then General Dwight D. Eisenhower ordered that the German townsfolk neighboring outside must witness the barbarity carried out inside. This future U.S. President instructed a film crew to record this horrid tableau to serve as a warning for posterity.

The size of the nation of Israel has been compared to that of New Jersey. It is surrounded by enemies, some whose doctrine is to wipe the Jewish state - and its people - off the map. Israeli Prime Minister Benjamin Netanyahu therefore resolutely declared war on Iranian-proxy Hamas.

It is estimated that the present Israeli casualty count, if extrapolated for the difference in population to that of the U.S., would amount to more than 35,000 deaths. This adds up to more than ten times the casualties of America’s tragedy on September 11th, 2001, during the attack on the Twin Towers.

After the unprovoked incursion, Israel virtually has been forced to retaliate in self-defense and as a deterrent to stem further aggression.

Notably, as “collateral damage,” a great many Palestinian lives also have been lost. It is widely acknowledged that ALL lives are precious, and that kindness and compassion must counter evil.

It was mentioned that the atrocities had begun on a Saturday, a Jewish time of Sabbath and also during the end of Sukkot, a festival commemorating Moses leading the Israelites away from bondage.

It is no coincidence that the Islamic incursion during this time of reflection was intended to take the Jewish state by surprise.

The Siddur, a Jewish prayer book, cites that the good will be held up and wicked will be vanquished: • “He is the G-d who exacts vengeance for us from our foes and Who brings just retribution upon the enemies of our soul.”

• “Who delivers us from the grip of all the tyrants; the benevolent G-d Who avenges us against our persecutors, and brings retribution on all our mortal enemies.”

• “As for all those who plot evil against me, hasten to annul their counsel and frustrate their design.”

Many adjectives regarding the marauders - the murderers - were expressed.

Monsters, Creatures, etc. Crimes noted included abominable abuse of babies and seniors. It was said that the crimes committed were so barbaric as could hardly be imagined, lest in a grisly horror movie.

That this had occurred in real-life made the heinous acts all the more detestable.

Last Friday 13th, Broadcast Announcers Glenn Beck and Sean Hannity aired these words respectively: “These terrorists are below the animals.”

“This rabid, virulent anti-semitism worldwide--where is this coming from?”

A distinction was made regarding kill-

(1)

(2)

(3)

(4)

(5)

(1) Hallandale Beach Mayor Joy Cooper (Left) and Vice Mayor Anabelle Lima-Taub (Right) (2) Perhaps 300 people of all ages, ethnicities and backgrounds attended the vigil (3) Hallandale Beach Resident Dimitry Shaposhnikov spoke and inspired the crowd (4) The motorcyclists, Rolling Thunder, expressed solidarity as well as kind hearts (Photos Courtesy Of The City Of Hallandale Beach) (5) Photo of and provided by North Miami Beach Resident Rivkah, who attended the vigil ing of combatants during wartime and the indiscriminate brutal slayings of civilians.

At one point, during the vigil, a wartime siren blared, likely sending chills to many on this otherwise balmy South Florida evening.

North Miami Beach resident Rivkah, had attended and commented, “The speakers did a wonderful job at inspiring the public to show and to give support to Israel. The beautiful choir, the sound of the Shofar, and the recored air raid siren all created feelings of unity and solidarity.

May the City of Hallandale, along with all who befriend Israel be blessed with the blessing given by G-d to Abraham,” I will bless those who bless you.”

Conveniently, City Hall is located next to the Hallandale Beach Police Station.

The presence of police officers no doubt afforded solace and security at the vigil which ran without incident. Mayor Cooper warned to be vigilant when at upcoming rallies as insurgents bent on mischief might be present. A yellow medical vehicle from the Jewish community’s Hatzalah was on hand.

By the way, another vigil ran concur-

rently in Hollywood, Florida, hosted by Mayor Josh Levy. He commented, “It was important to have the vigil.

People needed a way to mourn and not be alone.

This is a very tough time for everyone.”

Finally, after some two hours and more than a dozen speakers, the Hallandale Beach Mayor and Vice-Mayor emotively thanked the audience for attending. At times, led by a Rabbi, joyous singing helped lighten this special evening.

It was mentioned that Vice-Mayor Anabelle Lima-Taub had burned the proverbial midnight oil to organize the event.

And, to the Mayor, City Commission, patrol and eloquent speakers, the diverse attendees can tip their occasional cowboy hats and more-prominent yarmulkes to the Hallandale Beach officials who, in a flash of two days, orchestrated a memorable, heartwarming, event.

The day after the vigil, City Hall provided a press release including this message: “The City of Hallandale Beach stands united with Israel and its people in the face of recent tragic events that have inflicted loss, suffering and instability... We

reaffirm our dedication to peace, security, and stability at this critical juncture. We call for a peaceful resolution to the ongoing conflicts.”

Furthermore, were shared resources made available by the U.S. State Department to assist U.S. citizens seeking to contact the U.S. Embassy in Israel, travel to and from the country and enroll contact information for U.S. travelers.

“In response to these challenging circumstances, the City of Hallandale Beach has taken progressive actions to support and protect our community in solidarity with Israel. We have worked closely with the Hallandale Beach Police Department to maximize police presence at synagogues and other houses of worship, ensuring all residents’ and visitors’ safety and security.”

“May the values of peace and solidarity prevail, ending the suffering and leading to a brighter, more peaceful future for all. Our thoughts and prayers are with Israel, and we hope for a swift and just resolution to the current crisis.” City of Hallandale Beach Never Again!

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Does Medicare Cover Home Safety Devices?

One-Third Of Seniors Over The Age of 65 Experience Falls Each Year Bathroom safety is a paramount concern for seniors, as a simple slip and fall can have life-altering consequences.

According to the National Institute On Aging, one-third of seniors over the age of 65 experience falls each year, with the bathroom being a common site for these accidents.

Recent studies have shown that for people aged 65 and older, falls account for approximately 60 percent of all injuryrelated Emergency Department Visits and over 50 percent of injury-related deaths annually. And up to 80 percent of falls in the home occur in the bathroom. These fall-related injuries can range from minor scrapes and bruises to broken bones, head injury and spinal cord injury.

The good news is that there are various safety devices available to reduce the risk of such incidents, but the question remains: Does Medicare cover bathroom safety devices?

The Bathroom: A Risky Territory For Seniors For many seniors, the bathroom is a daily obstacle course where potential hazards lurk around every corner. Reduced vision, muscle weakness, and balance issues can make navigating this small space a treacherous endeavor. A simple stumble can result in severe injuries, potentially compromising an individual’s ability to live independently.

The bathroom presents several challenges for seniors, including slippery surfaces, awkwardly positioned fixtures, and the need to reach for items. To mitigate these risks, there are practical steps seniors can take to enhance their bathroom safety: Install Grab Bars: Installing sturdy grab bars near the toilet, shower, and bathtub can provide essential support for seniors when moving around the bathroom.

Non-Slip Surfaces: Adding non-slip mats or coatings to the bathtub and shower floor can significantly reduce the risk of slipping.

Accessible Essentials: Ensure that everyday essentials are within easy reach, eliminating the need for seniors to overextend themselves.

Obstacle-Free Space: Remove any obstacles or clutter from the bathroom that may obstruct movement or pose tripping hazards.

Improved Visibility: Installing a night light in the bathroom can help seniors navigate the space safely, especially during nighttime visits.

Additionally, clear labeling of hot and cold water faucets is essential to prevent accidental burns.

safety devices, like grab bars and raised toilet seats, are typically considered “convenience items” rather than medically necessary equipment. Therefore, they fall outside the scope of Medicare coverage, and individuals will need to pay for them out-of-pocket.

However, there is a caveat to this.

Commodes, which can aid individuals

ment. However, if your doctor or the supplier does not participate in Medicare, you may be responsible for the full cost of the equipment.

For those with Original Medicare (Part A and Part B), there is typically a 20% coinsurance requirement for MedicareApproved DME. This means you’ll be responsible for paying 20% of the cost.

confined to a room without bathroom facilities, may be covered under Part B’s Durable Medical Equipment benefits if prescribed by a doctor.

Medicare Advantage plans may cover bathroom grab bars, and it’s possible that Medicaid or VA benefits may help pay for a shower chair.

A Medicare Supplement plan, sometimes also called Medigap – can help pay for your out-of-pocket Medicare costs.

Medicare Supplement Plans are accepted by any provider who accepts Medicare, including Durable Medical Equipment Providers.

If your doctor prescribes Durable Medical Equipment that is covered by Medicare, you’ll need to obtain it from a supplier that accepts assignments. This ensures that you pay the standard Medicare-approved amount for the equip-

However, if you’re enrolled in a Medicare Advantage (MA) Plan, your coverage may differ.

While Medicare plays a crucial role in assisting seniors with various healthcare needs, bathroom safety devices often fall outside the realm of covered equipment.

Seniors must remain proactive in taking steps to enhance bathroom safety and consider budgeting for these essential devices to ensure a safer, more independent, and accident-FREE living environment.

Consultation with your healthcare provider and a thorough understanding of your Medicare coverage with a Medicare professional can help you make informed decisions about your bathroom safety. By doing so, you can enjoy greater peace of mind and maintain your independence in the comfort of your own home.

Consider Walk-In Showers: Replacing traditional bathtubs with walk-in showers can make entry and exit much easier and safer for seniors.

Consult Your Doctor: Discuss your concerns about bathroom safety with your healthcare provider. They can offer personalized advice and recommendations based on your specific needs and mobility limitations.

While these measures can significantly enhance bathroom safety, some seniors may require additional assistance in the form of medical equipment.

Can Medicare Help With Bathroom Safety Devices?

Medicare, the federal health insurance program primarily designed for seniors aged 65 and older, can provide coverage for specific medical equipment when prescribed by a doctor. This coverage falls under Medicare Part B (Medical Insurance) and encompasses what is known as Durable Medical Equipment (DME). To be eligible for coverage, DME must meet certain criteria: • It must be durable and capable of withstanding repeated use.

• It should be intended for a medical purpose.

• It must be necessary due to a medical condition or injury.

• It is designed for use in the home.

• It should have an expected lifetime of at least three years.

While Medicare covers essential mobility aids such as canes and walkers, it’s important to note that most bathroom

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