Resources

Every year – usually in the fall it is time for all of us to do our annual check to see if our insurance will be meeting our needs for the next year. We all need to look at our Medicare, what we have for a supplemental and what our prescription policy covers.

So, for Medicare – do you have Part A and Part B? A covers the hospital and B covers about 80% of all of the other approved services. Part A is covered when you apply for Social Security and if you select to have Part B it is taken monthly out of your Social Security.

To cover the other 20% of Part B, you can choose a supplemental insurance and there are a lot of plans to pick from. Or you can choose to self-pay that 20%.

If you choose to have a supplemental plan, then you should review that the plan you have is the best one for you for the next year.  Then pick the company that offers your plan at the lowest monthly rate. All plans at each level offer exactly the same coverage. They just charge different fees.

For example, Plan G might be offered by 14 insurance companies. The prices can range from say $200.00 a month up to say $500.00 a month. The coverage is identical in all of the Plan Gs, so buy the $200.00 a month plan and you will save a lot of money.

It’s very similar when you check for your prescription plan which is Part D. Buy the best deal for you. Deciding is a little more complicated as you want to check that the medicine you are taking is covered by the plan you buy. Visit Medicare.gov and select “find health and drug plans” and plan on spending a half hour or more checking what you have, and which plan will be best for you next year. Be sure you are comparing drug coverage, deductibles and copays.

Then there are Medicare Advantage Plans. These are very similar to an HMO or a PPO where you pick providers from the in-network list. Generally, there is no monthly premium for health coverage. You might need to change doctors but maybe not. And these savings sound very attractive but be sure you are prepared as you will have copays for visits to the doctor, fees if you go to PT and for other services. These out of pocket costs can be as high as say $5,000 up to $6,700 for in-network before your plan kicks in again. And remember this is per person.

So if you are picking a Medicare Advantage Plan you might want to set up a separate bank account with $5,000+ in it so if you or your spouse falls ill you have the money to pay those out of pocket costs. No one needs to be worrying about money when dealing with an illness or accident.

With all of this said, set aside at least an afternoon to review your coverage, your insurance plans, changes in your health and your prescriptions for the last year, then look into what coverage you want for next year.

If this is overwhelming, reach out and ask an expert for help. Visit SeniorCenterCt.org and call your Senior Center or Senior Resources. All of the phone numbers are there for you. And the sooner you do this the better. Open enrollment starts Oct 15 and ends December 7^th. If you do nothing your coverage will stay the same as what you have now. So, start today looking at your coverage and deciding if you need help. Those professionals are waiting for you to call and best yet their help is FREE!

Now’s the time! Companies are hiring! Big and small. Full time and part time.

Just figure out what are you looking for? Do you want to do the same type of work you did before? Do you want to do something totally different? Do you want something to keep you busy and get you out of the house? Maybe find a job that goes along with your hobby?

Do you want to work just part of the year? If so, retail hiring for the holidays, garden centers, landscape companies.

Check out schools. They are hiring nurses’ aides, substitute teachers, Paraprofessionals, bus monitors, and office staff.

Do you like wine and know a lot about it? Check out the area wineries and see if they have seasonal openings.

What about the golf course? Work part-time and maybe play for free. The same with a gym, maybe.

What population would you like to work with? Kids? Maybe a day care or a school? Be a nanny.

With food? How about a restaurant or a bakery??

Maybe you want to work in a big box store and take advantage of the discount they give to workers?

Do you want to meet a lot of people? So, maybe a receptionist? Telemarketer??  How about a service desk clerk? Customer returns?

What do you want from a job? Extra money? Structure? Identity? Being able to travel?

Could the job, you are looking for be at a bank, perhaps an online job? Maybe sales where you earn commission based on the sales you make – if that is the case the sky could be the limit for your income.

Home Care agencies are always looking to hire. So are Nursing Homes and Rehabs. Those jobs could be in the kitchen or laundry at the Nursing Home, a companion, a Certified Nurse’s Aide, taking people to appointments, maybe light housework.

To find these jobs. Tell others you are looking. Look on Facebook. Lots of times companies post jobs there. Ask at the places you go to each week. Volunteer then get hired.

And what about tutoring? Were you a teacher? Are you really good at math? Are you already helping some kids with remote learning?

Right now, with what is going on with COVID, some families are looking for more one-on-one situations. You could teach using ZOOM. You could help kids figure out and organize the assignments that the schools are giving them. It can be every hard for families where both parents are working to then come home and find the time to assist their students every day. And you could be the person they need.

Also, some families are grouping up and hiring someone to teach all the kids. This would be great if you are a retired teacher!!l

You can easily put yourself out there on Facebook or LinkedIn with what you have to offer and then anyone interested can private massager you. Depending on what you want to do, you do not ever have to actually meet person to person. You do not even need to live in the same area. You could be in Milwaukee and the student could be in Denver.

The time to apply is now!! Research. Develop a resume and cover letter. Even if you do not need those, they will help you rediscover your skills and talents. Have a list of questions to ask the interviewer.  And if you get rejected, do not put yourself down. It is not personal.

Just move on to the next opportunity and “Get a Job”

As we continue down this untraveled road, we keep looking for new things to do. We often wonder what is open. What is closed? Have the hours changed? Have they gone virtual? Are they using Zoom or something like that?

So, let’s see if we can figure some of that out… Let’s take a look at what’s going on with Museums….

And once you start looking, I think you will find amazing opportunities!! You will be able to visit places you have only read about or learned about in school. And the visit is very real and much better than just looking at pictures!!

One site I found – upgradepoints.com – has 75 best museum tours around the world that include art, history, science, and technology. From this site I visited…

The Hermitage Museum in St Petersburg, Russia. In the main museum complex, you are able to visit all 3 stories and see 1,000’s of pieces of art plus the entire building which of course is a work of art in itself. And do not forget to look at the ceilings!! To a degree you can move around almost as if you were there. The added bonus of these virtual tours is no one is in your way!!

Katie Bourque posted an article in March with a massive list of 30 amazing virtual tours of museums, zoos, and theme parks. I visited the National Museum of the United States Air Force. This tour is so clear that you can read the plaques for each display. You touch on blue arrows to move and then can zoom in for unbelievable details.

How about going to a children’s museum?? The Minnesota Children’s Museum even has activity ideas and hands on activities you can do at home. You will have some new things to do with the kids.

So, when you are sitting home you can travel the world and see amazing works! You can even revisit a museum you have been to years ago. See what is different and what is the same!

And do not overlook visiting a zoo or a theme park. At many zoos you can watch livestream cameras of pandas, penguins, elephants, koalas or go on a home safari daily at the Cincinnati Zoo.

All of this is a great escape!! Invite others to go with you. You can all visit the same day and conference call as you tour or even afterwards over a glass of wine. Perhaps on another day invite your grandchildren to come along as you go to the zoo.

Hey, visit several art museums. Browse around. Find what you like and be inspired… Order some watercolors or acrylics and paint your own picture. You might discover you have talent or even if you do not have talent it might still be a whole lot of fun and when things are better you can take some lessons. Almost all Senior Centers have art classes. From drawing to painting to collage and more.

So, do something different today!!