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By Michelle Porchia  The time will come when you will become eligible for Medicare. Honestly, it wasn’t something I ever gave much thought to. I just completed the sign-up process for Medicare and various healthcare insurance coverages. I hope to share some information with you that may help you to have a smoother transition into the world of Medicare. What is Medicare? “Medicare is a federal health insurance program for those 65 and older…Before turning 65, most people get health insurance through group plans offered by their employer or their spouse’s employer. People who are self-employed or who don’t have health insurance through their job may buy individual policies on their own.” “When you turn 65, however, you’ll likely be eligible for one of the largest group health plans in the world.” Medicare consists of several plans or “parts.” When you become eligible for Medicare, you will be able to choose between:
About 6-12 months before your 65th birthday, you will start receiving information about Medicare supplemental plans, prescription, dental and eye care plans. I was throwing them out. You may want to at least read through them. Many say the same thing; it is more about who has the best cost for a plan. What I Learned:
Don’t wait until the last minute. I suggest you start researching at least 6 months before your 65th birthday. Mine was all in place by October 1. Even though I found some good premiums, it still blew my budget. There was so much I didn’t know and discovered I was not alone, which is why I was asked to write this article. I wish you smooth navigation into Medicare.
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By Nancy J. Lewis, MS, PHR, RCC  Photo Above: Smartphone apps like Footsteps can help you maintain a healthy fitness routine. As we continue to face the challenges of life, it is critical we develop strategies for healthy living. What are you doing to live a healthier life? What changes will you have to make to do this? Healthy living is about making better choices. Consider some of the following strategies for living a healthier life.
1. Start an exercise program that works for you and fits into your schedule. This can be as simple as a 30 minute walk in your neighborhood or local park. You take the stairs instead of the elevator at work. You park farther away when going to the store or mall. The key is to begin even if you start out doing just 15 minutes a day, just do it. Whether you have a health club membership or not, allow your creative mind to explore ways to incorporate exercise in your daily routine. 2. Start using your kitchen and eat at home more. We are working longer hours, running errands for the family, and eating out frequently. It is time to go back to basics and plan dinner meals for at least 2-3 days a week. We need to revisit what our parents and grandparents did years ago and cook multiple meals on the weekend. Challenge yourself to eat more baked and grilled foods, fresh fruits, vegetables, and add more fiber to your diet. Reduce your intake of fried and processed foods and commit to cooking healthier meals for your family. 3. Start your day with inspiration. This could be reading your Bible, motivational books, or whatever provides you with peace and purpose. The key is you must continue to nourish and feed your mind with positive information in order to grow and be the best you can be. Spend time with children and seniors as they both provide inspirational lessons to help you on this journey called life. |
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