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”

Just what are we? And are you paying attention to us??

A search for a term that doesn’t offend is taking place. Trying to avoid terms like senior citizen, retiree, elder and the elderly. The question becomes what do we call everyone 55+?

Terms are materializing that are perhaps more appropriate and appealing.

The term, Baby Boomer was created and has been used since all those World War II babies were being born. This group has changed and revolutionized the United States as the have passed though each phase of aging. And they will and are changing and redefining the term senior each day. Just look around – they are not stationary, boring or old.

The title, Perennial has been around for several years now and refers to blooming again and again. And yes, we do that again and again during our lives. We become young adults striking out on our own. We become homeowners, parents. So forth and so on as we parade along the paths of our lives. Ever changing and blossoming into the “new” me.

Active Ager is a newer term and defines seniors as young at heart, tech-loving, gym-using, trend setting, fun-seeking marketer’s dream. This term might be the best fitting so far as each generation is truly younger than the generation before them.

Whatever term you use 55+ adults are strong, happy, healthy. They are using and buying what they choose. They want the same products all ages want and use. They are not to be overlooked as they are living longer, working longer, staying healthier and maintaining their independent as well.

Call them what you will but remember they spend over $3 trillion on products and services each year.