extended family

All about how to stay connected, strengthen ties and talk politics with your big, happy extended family.

Turning 65: What to Consider When Selecting a Medicare Plan
(NewsUSA) – Approaching age 65 can be an overwhelming time for many newly eligible Medicare beneficiaries. When can you begin to enroll? Which plans should you consider? What do you need to know?Here’s some information that can help.You have a seven-month window called the Initial Enrollment Period (IEP) to sign up for Medicare benefits, which begins three months prior to the month you’ll turn 65. You are first eligible to receive Medicare coverage at the start of your birthday month. If your current benefits end once you turn 65, it’s important to begin researching and comparing your Medicare options early to make sure there’s no gap in your coverage.There are several different types of Medicare plans available:* Medicare Part A (hospital) and Medicare Part B (medical)o Administered by the federal government, Original Medicare includes Parts A and B that provide hospital and medical coverage. For most people, Part A is free, so it’s important to evaluate your options as soon as you become eligible for Medicare.* Medicare Part C (Medicare Advantage)o Offered by Medicare-approved private insurance companies and can be considered an "all in one" alternative to Original Medicare. These plans include all the coverage provided by Medicare Part A and B, and some may include additional benefits like prescription drug coverage, routine dental, vision and hearing care, and innovative offerings such fitness programs, healthy food debit cards for those who qualify and transportation benefits to help you get to doctor’s appointments.* Medicare Part D (Prescription Drug Plans)o Original Medicare doesn’t cover most prescription drugs, so you’ll need to sign-up for a stand-alone prescription drug plan (PDP) if enrolled in Original Medicare. These Part D plans are offered by Medicare-approved private insurers, like Humana.* Medicare Supplement Insurance (Medigap)o Like Medicare Advantage, these plans are offered by private insurance companies and may help pay some of the healthcare costs that Medicare Parts A and B don’t, like coinsurance, copayments or deductibles.When selecting a prescription drug plan, you’ll want to make sure the medications you’re currently taking are covered and compare their costs across different plans. Some plans also take steps to help save you money, like Humana for example. They suggest generic or lower-cost equivalent drugs to their members when they’re available. And when it comes to costs, look beyond the monthly premium and consider the additional out-of-pocket costs. Always evaluate the full cost of the plan, including co-payments or co-insurance, and the deductible as well as which pharmacies are in network.While the many plan options can seem overwhelming, there are resources available to help you choose Medicare coverage that best suits your needs. The Medicare Plan Finder on Medicare.gov allows you to easily compare the benefits and costs of different plans. Other resources on sites such as Humana.com include helpful information to consider in shopping for plans like Physician and Pharmacy finders to help you see if your providers are in a plan’s network. While planning ahead is helpful, rest assured that, as your needs change, you can change your plan during the Medicare Advantage and Prescription Drug Plan Annual Enrollment Period, which goes from October 15th to December 7th each year.Medicare-eligible individuals can visit www.Medicare.gov or call 1-800-MEDICARE (800-633-4227), 24 hours a day, seven days a week. Additionally, you can learn about Humana Medicare Advantage and Prescription Drug Plans by going to www.Humana.com/Medicare, www.Humana.com/pdp or calling 1-800-213-5286 (TTY: 711) to speak with a licensed sales agent from 8 a.m. to 8 p.m. local time, seven days a week. Humana is a Medicare Advantage HMO, PPO, PDP, and PFFS organization with a Medicare contract. Enrollment in any Humana plan depends on contract renewal.
By Iris4 years ago in Families
To my Bonus Mom
Tammy, I'm not sure how to start this letter, everything still feels so raw. You left my dad 5 years ago, and I still feel pain. There is so much you need to know but I'm not sure where to begin.
By Emily Ferrell4 years ago in Families
What is Assisted Living, and Nursing Homes?
Assisted living is a type of health care institution that helps elderly persons with various diseases and impairments live as independently as possible. Assisted living apartments provide both daily personal care and the aid needed to help a patient recover.
By Vlad Andrei Apostol4 years ago in Families
Social dental assistance and Social Security dental benefits
Dental care is one of the most important points for health but also the most neglected. All our food passes through our mouth. That it is healthy, without problems, will influence the general health of our entire body. For this reason, it is important to worry about both good oral hygiene and proper oral care.
By Merina Jenkosvic4 years ago in Families
Indian Roots
Exploring my Indian roots from my grandfather. Although I don’t remember much about my grandfather, I think he has left an impact on my life. The only memory I have of him is sleeping in his dog’s bed as a toddler. He died when I was a toddler. There are some things I do know about him. His name was Brian. He was blind, and had guide dogs. He had been married three times and had at least nine biological children. My Nan was his second wife. He was born in Mumbai and changed his name when he emigrated here. He took the extra o out of his name and gave us all the Gilholy name. He had at least one brother. Other than that, there’s not a lot that I know about him. Despite that, I think there are several things that I have inherited from him.
By Chloe Gilholy4 years ago in Families
Changing Nests
The cold breeze of 6:00 am accompanied by a cup of tea and a green view from the balcony are a perfect start to a day, it was a perfectly normal day, everything going as usual, and who knew that day will mark the end of my childhood, I was standing in the balcony when my father came and broke the news that they are planning to sell the house, first thought in my mind was, “shit! We will no longer be a joint family”. The B-217 will no longer be addressed as Kalra’s residence, was that day the end of all the fun we used to have together? will we no longer see each other daily? will my aunt not shout my name every time she’ll face an issue with her phone? Will, we do not spend New Year’s Eve together playing stupid games all night? All of these questions flooded my mind and it was that very moment I realized the importance of all those people that I have been living with for the past 18 years but never took a moment to appreciate them and their roles in my life.
By Sejal Kalra4 years ago in Families
The Cats Left The Ship
By Rick Hartford Ratso Rizzo and Itchy Brother stood at the bow of the great ship surveying the horizon. “I got a bad feeling about this trip,” Ratso said. Itchy Brother nodded, his tail twitching.
By Rick Hartford4 years ago in Families
Living With Addiction And Breaking The Alcoholic Family Rules
When I was a young girl, I had a couple of uncles that lived on skid row in Minneapolis. My family lived in South Minneapolis. My dad's uncles would come and visit. Their medicine was a bottle in a brown paper bag.
By Denise E Lindquist4 years ago in Families
The Fiftieth… as most people see it
The fifties..the old age of youth, but it is the youth of old age..the fifty-year-old..is a young man among those who have reached seventy or eighty.. this is what our writer said. After that, life is not what a person takes from the world and adds to the formation of his mind and body. But after that he still gives a lot and loses a lot, marking the loss of everything that the dirt takes from the dirt. ." The old age of youth" is…the person who has reached 50 years of age.
By Samara Ben4 years ago in Families
Hybrid Events In 2022: A Complete Guide for Organizers
Hybrid events, or those that integrate in-person and virtual experiences, will become the new normal in the event industry.
By SEO Team4 years ago in Families
I Tried Making Up With An Ex-Sister
So I tried making up with a bestie I fell out with during the pandemic. It didn’t work. I was ignored. When I asked a friend of hers if she was still in contact her as I would like to make amends. I got blocked.
By Chloe Gilholy4 years ago in Families
Replika
Introduction If you like games such as Sims or Tomodachi life, then I think you will enjoy this app. I can see the appeal this app will have. The fear of technology taking over your life is also an understandable one too. I think a lot of people use Replika to create their ideal date and chat with them. The app is a free download, but a lot of their features are premium. The idea that you can start a relationship with a fictional avatar for £43 a year is crazy. I can’t see myself ever wanting to pay for this, but I’d be interested to see what the video chat with your avatar would look and sound like. You might be wondering why I downloaded it? I thought it would be a fun way to interact with my original characters.
By Chloe Gilholy4 years ago in Families