taking a stroll through the MEDICARE MAZE

Photo by Kirby Neumann-Rea

Table talk at Hood River Valley Adult Center these days focuses on Medicare and other health concerns of seniors. Dee Roberts, left, Marge Andrews, and Doti Miles enjoy dessert and each others’ company on Monday.


News staff writer

July 13, 2005

Adult Center hosts a seminar to help seniors untangle the Medicare system

The Hood River Valley Adult Center wants to help senior citizens navigate their way through a new “Medicare maze.”

Next week the center hosts a seminar to explain how the new federal prescription drug coverage program works. Bruce Westphal, marketing manager of Clear Choice Health Plans, will provide basic information and field questions at 1 p.m. on July 21 in the facility located at 2010 Sterling Pl.

There is no charge to attend the forum that will explain Medicare options and both the costs and savings involved with each alternative.

Heidi Musgrave, center director, said Westphal has offered to clarify issues that are creating confusion for some seniors. The federal program goes into effect on Jan. 1 and the Medicare-sponsored plans are entirely different than the drug discount cards now offered through private companies.

According to Musgrave, seniors must sign up for one of the available coverage plans when they are first eligible in order to avoid being penalized with higher premiums for life.

“The kicker here is that people may not need the new card because they don’t take any drugs at the age of 65. But their premium could then increase from $37 to $75 each month if they wait until they do need it 10 years later. I think the government is counting on all eligible people buying into the coverage to help fund the program,” she said.

There is an exception to the 1 percent increase in enrollment costs for each year after eligibility, said Musgrave. She said no penalty is imposed if a senior can clearly show that he/she had equal or better coverage through another source, such as an employer.

Musgrave said the new prescription drug coverage financially benefits those taking several expensive medications. And that, said Musgrave, can be a valuable service for a senior living on a fixed income.

She said in Hood River County, the average monthly Social Security check falls between $600-$800.

From those limited funds, Musgrave said seniors pay monthly Medicare premiums of $77.90, up 17 percent since 2004.

In addition, she said many elderly residents pay an additional average of about $85 per month for supplemental insurance to fill in the gaps not covered by government health care.

To aid seniors in research that can make their limited dollars stretch further, Musgrave has also netted about $4,000 in grant funds for new computers, printers and DLS lines.

In September, Gorge seniors will be able to go online in two locations to check out their Medicare options. The money obtained from Senior Health Insurance Benefits Assistance (SHIBA), of which Musgrave is the regional coordinator, has been allocated for a terminal at the Community Action Council offices in The Dalles and another at the center in Hood River.

Anyone interested in accessing the local computer can make an appointment for a time slot by calling Musgrave at 386-2060.

Volunteer assistance to access these programs, or provide answers to any health benefit questions, is also available by appointment.

“We’re aware that it could be a frustrating experience to learn about this program. That’s why several of us attended a training program in Salem to learn the rudimentary elements so that we can walk people through the process,” said Musgrave.

Seniors in fee-for-service Medicare need to enroll in a federal prescription drug coverage plan between Nov. 15 and May 15, 2006.

After that date, all enrollees but those on Medicaid can drop a plan or change coverage only once a year between Nov. 15-Dec. 15, except in certain situations. In most cases, if a senior is already enrolled in a Medicare Advantage Plan, such as through a preferred provider, he/she will receive their Medicare prescription drug coverage through that option.

This fall all eligible seniors will be sent a Medicare & You 2006 handbook, which will list the plans available in their area.

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Parkdale third graders sing "12 Disaster Days of Christmas"

Welcome to your sing-able Christmas gift list. What follows is an emergency rendition of “12 Days of Christmas” – for outfitting your home or car in case of snow storm, earthquake, flood or other emergency. Read it as a simple list, or sing it to the tune of “12 Days” – you know, as in “ … and a partridge in a pear tree…” Not to make light of it, but the song is a familiar framework for a set of gift ideas that you could consider gathering together, even if the recipient already owns items such as a bunch of coats, tire chains and flashlights. Stores throughout the Gorge are stocked up on all these items. Buying all 12 days might be prohibitive, but here are three ideas for checking any of the dozen off your list (notations follow, 1-12.) The gift items needed to stay warm, dry and safe are also coded to suggest items in your abode (A) in your car (C) or both (B). 12 Gallons of Water (A) 11 Family meals (B) 10 Cans of propane (A) 9 Hygiene bags (B) 8 Packs of batteries (A) 7 Spare coats (B) 6 Bright red flares (C) 5 Cozy blankets (B) 4 Tire chains (C) 3 Flashlights (B) 2 cell phone chargers (B) 1 And a crush-proof first aid kit (B) Price ranges? Here’s a few quotes for days Three, Two, Four and Nine: n A family gift of flashlights (three will run $15-30, Hood River Supply, Tum-A-Lum) n Cell phone chargers (two will run $30-60) n Tire chains (basic set, $30, Les Schwab, returnable if unused for the winter) n Family meals ($100 or so should cover the basics for three or four reasonably well-fed days) n The home kit should be kept in a handy place near an exit, and remember that water needs to be replenished every few months. If you have a solid first aid kit already, switch out the gift idea with “and-a-sto-o-u-t- tub-for it-all …” Otherwise, it’s a case of assembling your home or car kits and making sure all members of the family know what the resources are and how to use them (ie flares and propane). Emergency situations are at worst life-threatening, at best deeply uncomfortable if you and your family are left without power for an extended period, or traveling and find yourself in a situation where you need to wait out a storm, lengthy traffic delay, or other crisis. Notes on the 12 gift ideas: 12 – Gallons of water: that’s one per person in a four-member family to last for three days, the recommended minimum to be prepared for utility outages. 11 – Easy-open packaged goods, energy bars, dried food and nuts are good things to include for nutrition. Think of what your family of four needs for three days to stay fortified and hydrated (see number 12). Can-opener also recommended 10 – If you have a propane camping stove, keep extra fuel handy. 9 – Hygiene bags: put packaged moistened towelettes, toilet paper, and plastic ties in large garbage bags (for personal sanitation) Resource list courtesy of Hood River County Emergency Management, Barbara Ayers, manager/ 541-386-1213. The county also reminds residents to Get a Kit, Make A Plan to connect your family if separated, and Stay Informed. See www.co.hood-river.or.us to opt-in for citizen alerts. Enlarge

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