Upcoming Annual Enrollment Period for Medicare

The annual enrollment for Medicare occurs from October 15 through December 7. Medicare health and drug plans make yearly adjustments to cost, coverage, and providers and pharmacies in their networks. During this time, it is possible for beneficiaries to alter their Medicare health plans and prescription drug coverage to fit their needs better. The specific modifications are as follows:

  • Switch Medicare Advantage Plans
  • Return to Original Medicare (Parts A and B) if enrolled in the Medicare Advantage program
  • Sign up for a Medicare Part D Prescription Drug Plan or Medicare Supplement Plan if enrolled in Original Medicare

Medicare beneficiaries should always review their plan, examining the Evidence of Coverage (EOC) and Annual Notice of Change (ANOC) materials included. If the plans are changing, beneficiaries should ensure the plan they are enrolled in will continue to meet their needs the following year. If they are satisfied that their plan will be sufficient for the next year, they do not need to make any adjustments.

Those who have Medicare supplements are able to change their program any day or time. If a beneficiary is new to Medicare, their Initial Enrollment Period (IEP) occurs three months prior to their birthday. For example, if that person’s birthday were in June, their IEP would be from March until September. Special Enrollment Periods are open to those who qualify due to a life event such as moving or retiring; during this time, the beneficiary can sign up for Medicare or change their plan.  

Annual enrollment is typically a busy time for agents. Is your business prepared to handle the influx of beneficiaries during the Medicare Annual Enrollment Period? If you need assistance, Omega Benefit Strategies is your number one resource to help prepare you and make confident Medicare decisions. Contact us today for advice on how to manage the rush.

Omega Benefit Strategies provides members belonging to credit unions, labor unions, and associations an educational resource for Medicare. Our turnkey marketing package seamlessly integrates with existing branding strategies. We can help increase new member acquisitions, bolster retention, cross-sell opportunities via our “scorecard” system, and even earn an ancillary revenue stream. Accommodating any size membership, we maintain exemplary member service and offer top-notch products.

Written by the digital marketing staff at Creative Programs & Systems: www.cpsmi.com.

Erin Brockovich Claims the US is in an Unimaginable Water Crisis

In 2000, Erin Brockovich became the subject of an Academy-award winning feature film, which depicted her role in a lawsuit against Pacific Gas & Electric. Portrayed by Julia Roberts, Brockovich is known for almost single-handedly bringing down the California-based power company accused of polluting a city’s water supply. Through the years, she has continued to raise awareness concerning pollution and other environmental threats.

In an opinion article for The Guardian, Brockovich wrote, “We are in a water crisis beyond anything you can imagine. Pollution and toxins are everywhere, stemming from the hazardous wastes of industry and agriculture. We’ve got more than 40,000 chemicals on the market today with only a few hundred regulated. We’ve had industrial byproducts discarded into the ground and into our water supply for years. This crisis affects everyone – rich or poor, black or white, Republican or Democrat. Communities everywhere think they are safe when they are not.”

“These issues start with tiny seeds of deception that add up over months and years to become major problems. Our resources are exhausted. Corruption is rampant. Officials are trying to cover their tracks. People are not putting the pieces together when it comes to the severity of this crisis. I’ve got senators and doctors calling me, asking me what to do,” Brockovich stated.

Brockovich stressed the importance of not succumbing to despair. No single person or entity can correct the issues solo; communities must work in tandem to remedy this issue.  In response to the countless calls and community outreach she has experienced, Brockovich created the Community Healthbook to allow individuals and community groups to “report and view health-related concerns and community environmental issues by geographic area and health-related topic.”

For more information or to read the entire article, check out The Guardian. Want to know what’s in your water? Call the water purification experts at Reynolds Water Conditioning Co. at 800-572-9575. We test water quality and purification, install filters, and much more.

Reynolds Water Conditioning Co. was established in 1931 and is Michigan’s oldest water conditioning treatment company. Still owned and operated by the Reynolds family, we take pride in offering the highest quality products at a cost-effective price. If your tap water lacks the quality you deserve, contact us today at www.reynoldswater.com or call 800-572-9575.

Written by the digital marketing staff at Creative Programs & Systems: www.cpsmi.com.

Five Ways to Help Prevent Carpal Tunnel Syndrome

Carpal Tunnel is prevalent in today’s society; people typically associate the syndrome with years of heavy typing, computer use, and other office tasks. However, Carpal Tunnel can affect anyone who performs repetitive hand movements. Approximately 500,000 people undergo surgery each year; it is one of the most common hand operations. Thankfully, there are ways to prevent Carpal Tunnel by reducing the amount of pressure on your hands and wrists.

  1. Stretch Often
    A few hand stretches per day helps to loosen up ligaments and tendons. Make a fist with your hand, then extend your fingers until they point straight out. Repeat this process ten times. To modify this stretch, you can also fan your fingers out horizontally as far as you can.
  2. Be Ambidextrous
    Try to use your non-dominant hand to pick up or transfer objects, open doors, hold drinking cups, etc. This helps reduce pressure on your dominant hand due to repetitive movements.
  3. Loosen Grip
    Most people don’t realize they are over-exerting their hands when they write/hold a pen or pencil, type on a keyboard, hold a steering wheel, use tools, and other everyday tasks. Try to loosen your grip on these objects.
  4. Stay Warm
    Cold climates or environments can contribute to pain and stiffness. If necessary, warm up your surroundings by turning up the thermostat, use a space heater, or wear fingerless gloves while working. The heat will help stimulate blood flow, thus improving circulation and keeping hands and wrists loose.
  5. Maintain Posture
    One of the simplest ways to prevent Carpal Tunnel is to maintain proper posture. When slouching, your shoulders pull your neck and shoulder muscles forward, which causes the nerves to tighten. This domino-effect also affects your hands and wrists.

Are you or a loved one experiencing symptoms of Carpal Tunnel? Michigan Hand and Wrist specializes in assessing and consulting patients dealing with hand and other upper extremity issues. Check out our previous blog post to learn more about Carpal Tunnel.

Michigan Hand & Wrist was founded in 2001 with the mission to provide the highest-quality care for patients seeking surgical or non-surgical hand and upper extremity relief. Our goal is to exhaust all non-operative measures before discussing or moving on to surgical interventions. We offer on-site physical therapy with therapists committed to improving your quality of life. Our individualized treatments are modern, progressive, and exceptional. Contact us today at www.michiganhandandwrist.com or call 248-596-0412.

Written by the digital marketing staff at Creative Programs & Systems: www.cpsmi.com.

COVID-19 Sparks Regulatory Changes to Medicare

In response to the global COVID-19 pandemic, Congress and the Trump administration implemented a record number of legislative, regulatory, and sub-regulatory changes to the Medicare program. These alterations allow for unprecedented flexibility to healthcare providers, Medicare Advantage Plans, and Part D plans. Some of the changes waived Medicare participation conditions, allowing patients to be treated in alternative care settings. Other changes allow for telemedicine services to be eligible for Medicare reimbursement to physicians and other healthcare providers.

Significant COVID-19 changes that include telecommunication reimbursement include telephone visits, physician supervision services, urban and rural areas, and new sites (including patient homes). Hospitals can now provide alternative services at locations, including other healthcare facilities, expansion sites (hotels or community facilities), and specific services at patients’ homes. Moreover, licensed providers can provisionally offer services outside of their enrollment state. 

Both the benefits and unintended consequences of these policy actions should be carefully analyzed by policymakers and stakeholders to provide patients access to healthcare, and so providers can offer high-quality care. As the COVID-19 pandemic continues, stakeholder input and analyses should inform the regular rulemaking process to guarantee any permanent governing adaptations improve the Medicare program. The effects of these policies should be meticulously studied to determine the most efficient way to prepare for future public health emergencies.

Want to know more about the new regulations or need some assistance navigating through Medicare terminology, plans, policies, etc.? Look no further; Senior Health Medicare is here to help you find your path through the Medicare world. Click here to read more information about regulatory changes. 

Senior Health Medicare is a superior resource for Medicare guidance, information, and ongoing client support. Selecting a Medicare plan is not a flippant decision. It requires annual revisiting and re-evaluating for the client to stay in the most cost-effective coverage. Senior Health Medicare is here to serve as your resource through all the years to come. Contact us today at 888-404-5049 or visit us on the web at www.seniorhealthmedicare.com.

Written by the digital marketing staff at Creative Programs & Systems: www.cpsmi.com.

Costs Medicare Beneficiaries are Most Concerned About

Due to the global COVID-19 pandemic, many Medicare beneficiaries are worried about more than just their increased health risk or predisposition to contracting the virus. Large, unexpected medical expenses are more a factor now than ever.

A survey by healthinsurance.com polled more than 1,000 elderly (64-years-old and older) individuals to determine their views on several topics related to Medicare and healthcare during the COVID-19 pandemic. The results suggest a majority of current and pre-beneficiaries are worried most about out-of-pocket costs (66 percent) and unexpected medical bills (62 percent). In the United States, there have been 6.5 million cases of COVID-19 and 193,721 deaths.

About 35 percent of Medicare beneficiaries are worried about surprise medical bills if they contract COVID-19. If hospitalized through an in-network provider, a doctor who tends to the patient might not have a pre-existing agreement with your insurer; thus, bills the patient the full amount. Some Advantage Plans have temporarily waived the cost of treating COVID-19. However, the average price to treat a patient infected with the virus is $30,000. Generally, these surprise medical bills are infrequent, as the costs of treating a patient are partially covered by insurance. The specific amount, however, varies depending on their individual coverage.

Basic Medicare entails Part A (hospital coverage) and Part B (outpatient care/medical equipment), which are both associated with monetary costs. Since Part A does not include a premium (paid into the system through taxes), it does come with a deductible and copays for extended hospital stays. Part B does include a premium, deductible, and cost-sharing. These and other out-of-pocket costs worry most Medicare beneficiaries (66 percent), as stated above.

Fifty percent of Medicare beneficiaries have money set aside for their children or family to use for their health needs. Another 36 percent of the same beneficiaries have put off seeing a doctor due to costs associated with the visit.

At Omega Benefit Strategies, we understand the metrics of Medicare fees. We strive to provide the best Medicare options for your senior members. To learn more about the concerns of Medicare beneficiaries, read this article from CNBC.

Omega Benefit Strategies provides senior credit union members an educational resource for Medicare. Our turnkey marketing package seamlessly integrates with existing market strategies. We can help businesses increase new member acquisitions, bolster retention, cross-sell opportunities via our “scorecard” system, and even earn an ancillary revenue stream. Accommodating any size membership, we maintain exemplary member service and offer top-notch products.

Written by the digital marketing staff at Creative Programs & Systems: www.cpsmi.com.

Why Fall is the Best Time to Renovate a Pool

As the weather starts to cool down and the crisp fall breeze fills the air, pool owners slowly begin to close them until the following year. Perhaps any ideas of renovating a pool go by the wayside; once the pool is closed, there might not be a second thought about it until spring. As the weather warms up and the pool is reopened in spring, many owners are suddenly reminded of the renovations they thought about last year. Instead of missing out on valuable pool time, they push the idea off another year…and the cycle repeats itself.

Thankfully, there is a way to remedy this trend. Instead of suffering through deferred maintenance, autumn is the ideal time to give your pool a facelift. Why? Read on…

First, a fall pool remodel minimizes the amount of time lost using your pool during peak season. When a pool is under construction, it’s decommissioned until the project is completed. In Michigan, outdoor pools are generally not in use during the winter anyway, so it’s a win-win.

Home improvements of any kind are typically anticipated to be quick and seamless, but that’s not always the case. In the summer, construction crews can sometimes be pressed for time due to several circumstances. The fall relieves many of those weights as the pool will not be in high demand, and the construction team will have time to focus on the project at-hand. The best part? The pool will be beautiful and ready to use in the spring – like magic!

Lastly, many homeowners replace or refresh plants, shrubs, and other landscape features around their pools in the fall. If the homeowner is considering refreshing the green area around the pool, a fall-time renovation is a perfect opportunity to ensure everything coexists beautifully. Minor pool updates such as tile and coping usually do not affect the landscape, but that might not be the case with a more extensive remodel. With potential heavy machinery and crews on the premises, it’s wise to schedule both backyard updates simultaneously; the refreshed landscaping and pool renovation will complement each other nicely.

Looking to renovate your pool this fall or thinking about how it can be updated before next season? Contact the experts at Pound Pool to schedule a consultation today.

Pound Pool offers free estimates and complete pool renovations. Dale Pound, owner, personally oversees each pool project to ensure the highest quality is delivered. We offer Diamond Brite, Sunstone, Hydrazzo, Marcite, Pebble finishes, Bead Crete, tile choices, coping stones, etc. We are pool renovation experts – contact us today at 248-476-4544 or poundpool@sbcglobal.net.

Written by the digital marketing staff at Creative Programs & Systems: www.cpsmi.com.

COVID-19 Sparks Regulatory Changes to Medicare

In response to the global COVID-19 pandemic, Congress and the Trump administration implemented a record number of legislative, regulatory, and sub-regulatory changes to the Medicare program. These alterations allow for unprecedented flexibility to healthcare providers, Medicare Advantage Plans, and Part D plans. Some of the changes waived Medicare participation conditions, allowing patients to be treated in alternative care settings. Other changes allow for telemedicine services to be eligible for Medicare reimbursement to physicians and other healthcare providers.

Significant COVID-19 changes that include telecommunication reimbursement include telephone visits, physician supervision services, urban and rural areas, and new sites (including patient homes). Hospitals can now provide alternative services at locations, including other healthcare facilities, expansion sites (hotels or community facilities), and specific services at patients’ homes. Moreover, licensed providers can provisionally offer services outside of their enrollment state. 

Both the benefits and unintended consequences of these policy actions should be carefully analyzed by policymakers and stakeholders to provide patients access to healthcare, and so providers can offer high-quality care. As the COVID-19 pandemic continues, stakeholder input and analyses should inform the regular rulemaking process to guarantee any permanent governing adaptations improve the Medicare program. The effects of these policies should be meticulously studied to determine the most efficient way to prepare for future public health emergencies.

Want to know more about the new regulations or need some assistance navigating through Medicare terminology, plans, policies, etc.? Look no further; Senior Health Medicare is here to help you find your path through the Medicare world. Click here to read more information about regulatory changes. 

Senior Health Medicare is a superior resource for Medicare guidance, information, and ongoing client support. Selecting a Medicare plan is not a flippant decision. It requires annual revisiting and re-evaluating for the client to stay in the most cost-effective coverage. Senior Health Medicare is here to serve as your resource through all the years to come. Contact us today at 888-404-5049 or visit us on the web at www.seniorhealthmedicare.com.

Written by the digital marketing staff at Creative Programs & Systems: www.cpsmi.com.

Laser Treatment Success in Glaucoma Patients Discovered by Researchers

Glaucoma is a condition that causes buildup from fluid and pressure inside the eye. If untreated, it can eventually lead to blindness. Over 70 million people worldwide are diagnosed with glaucoma. Therapies to help remediate pressure include eye drops (which help reduce fluid produced by the eye) or surgery to unblock the eye’s drainage system.

Thanks to a study conducted by the University of Missouri School of Medicine and MU Health Care, a non-invasive treatment called Selective Laser Trabeculoplasty (SLT) might provide glaucoma relief. This process uses a laser to modify eye tissue and release fluid, which allows drainage to occur.

The MSM and MUHC research teams reviewed 252 SLT procedures on 198 patients diagnosed with open-angle glaucoma. Following surgery, 33.6 percent of patients achieved a 20 percent or higher reduction in intraocular pressure (IOP) after two months. At six months, 38.5 percent of patients had diminished IOP. Overall, patients with a higher baseline IOP had considerable reductions in pressure.

“There’s been a lack of evidence about how well SLT works, how safe it is and the ideal candidate,” said senior author Jella An, MD, an assistant professor of ophthalmology and a fellowship-trained glaucoma specialist at MU Health Care’s Mason Eye Institute. “Because so little is known about SLT, there is a lot of apprehension among specialists about using it as a first-line treatment for glaucoma. Our research findings have helped me redefine the ideal patient for this procedure.”

Rohr Eye & Laser Center specializes in eye laser treatment therapy. Our goal is to get you the best vision possible. For more information regarding laser treatment success in glaucoma patients, read this article by Science Daily.

Rohr Eye & Laser Center offers the most advanced technology to provide personalized and extraordinary care to our patients. Whether your goal is to maintain or improve your natural vision, we are here to help you. Call us at 877-579-0202 or visit www.michiganlasik.com to schedule an appointment today.

Written by the digital marketing staff at Creative Programs & Systems: www.cpsmi.com.

State of Michigan to Pay Victims of Flint Water Crisis $600M

Flint residents affected by the toxic lead water crisis will be eligible to receive payments from a $600 million preliminary settlement. A court-monitored victim compensation fund will allow Flint water crisis victims to receive hundreds of millions of dollars in payments. The parties involved in the settlement include the state of Michigan, the Michigan Department of Environmental Quality, and all individual state defendants, including former governor Rick Snyder.

Almost 80 percent of the settlement fund will be divvied out to children who were under 18 when the crisis began in April 2014. The effects of lead are especially poignant in children, as the mineral impacts brain development. An earmarked $12-million fund will be created in escrow to offer special education and other services for children who suffer chronic health/behavioral impacts as a direct result of lead poisoning. Another $35 million will be placed in a trust for “forgotten children” who cannot file claims within the required time frame and will be eligible to do so when they reach adult age.

“The residents of Flint were victims of horrendous decisions by the state, its employees, and other defendants that have resulted in tragic and devastating consequences,” said Florida attorney Ted Leopold. He was appointed by a federal judge along with Royal Oak attorney Michael Pitt, to lead a class-action litigation combining scores of individual lawsuits. “While we can never undo the damage that occurred to the citizens and community of Flint, we are pleased that today we were able to secure a measure of justice for the Flint community,’ Leopold stated.

As for the US Environmental Protection Agency and other private organizations involved in the shift of Flint’s drinking water source from (safe) Lake Huron to the (toxic) Flint River, litigation will continue.

Concerned about toxins, minerals, and/or contaminants in your drinking water? The experts at Reynolds Water Conditioning are committed to solving your water needs. We offer several services to ensure your water is the best it has ever been…chemical-free. For more information about the Flint Water Crisis, read the full Detroit Free Press article.

Reynolds Water Conditioning was established in 1931 and is Michigan’s oldest water conditioning treatment company. Still owned and operated by the Reynolds family, we take pride in providing the highest quality products at a cost-effective price. If your tap water lacks the quality you deserve, contact us today at www.reynoldswater.com or call 800-572-9575.

Written by the digital marketing staff at Creative Programs & Systems: www.cpsmi.com.

Costs Medicare Beneficiaries are Most Concerned About

Due to the global COVID-19 pandemic, many Medicare beneficiaries are worried about more than just their increased health risk or predisposition to contracting the virus. Large, unexpected medical expenses are more a factor now than ever.

A survey by healthinsurance.com polled more than 1,000 elderly (64-years-old and older) individuals to determine their views on several topics related to Medicare and healthcare during the COVID-19 pandemic. The results suggest a majority of current and pre-beneficiaries are worried most about out-of-pocket costs (66 percent) and unexpected medical bills (62 percent). In the United States, there have been 6.5 million cases of COVID-19 and 193,721 deaths.

About 35 percent of Medicare beneficiaries are worried about surprise medical bills if they contract COVID-19. If hospitalized through an in-network provider, a doctor who tends to the patient might not have a pre-existing agreement with your insurer; thus, bills the patient the full amount. Some Advantage Plans have temporarily waived the cost of treating COVID-19. However, the average price to treat a patient infected with the virus is $30,000. Generally, these surprise medical bills are infrequent, as the costs of treating a patient are partially covered by insurance. The specific amount, however, varies depending on their individual coverage.

Basic Medicare entails Part A (hospital coverage) and Part B (outpatient care/medical equipment), which are both associated with monetary costs. Since Part A does not include a premium (paid into the system through taxes), it does come with a deductible and copays for extended hospital stays. Part B does include a premium, deductible, and cost-sharing. These and other out-of-pocket costs worry most Medicare beneficiaries (66 percent), as stated above.

Fifty percent of Medicare beneficiaries have money set aside for their children or family to use for their health needs. Another 36 percent of the same beneficiaries have put off seeing a doctor due to costs associated with the visit.

At Omega Benefit Strategies, we understand the metrics of Medicare fees. We strive to provide the best Medicare options for your senior members. To learn more about the concerns of Medicare beneficiaries, read this article from CNBC.

Omega Benefit Strategies provides senior credit union members an educational resource for Medicare. Our turnkey marketing package seamlessly integrates with existing market strategies. We can help businesses increase new member acquisitions, bolster retention, cross-sell opportunities via our “scorecard” system, and even earn an ancillary revenue stream. Accommodating any size membership, we maintain exemplary member service and offer top-notch products.

Written by the digital marketing staff at Creative Programs & Systems: www.cpsmi.com.