Understanding Your Medicare Options

Westlake Whisperings
Understanding Your Medicare Options
Upon becoming 65 years
of age, you will likely
begin receiving multiple
packets and phone calls
offering information
about your Medicare
options. The basic tips
below can help you more
easily select a lifelong,
worry-free plan that best
fits your particular needs.
Understanding Medicare
Medicare Part A
(Hospital Insurance) Part A covers inpatient hospital stays, care in a skilled
nursing facility, hospice care,
and some home health care.
Medicare Part B
(Medical Insurance) - Part B
covers certain doctors’ services,
outpatient care, medical supplies,
and preventive services.
Medicare Part C
(Medicare Advantage Plans) - A
Medicare Advantage Plan is a type
of Medicare health plan offered by a
private company that contracts with
Medicare to provide you with all
your Part A and Part B benefits.
Medicare Part D
(prescription drug coverage) - Part D
adds prescription drug coverage
10735 Bogie Lake Road
Commerce Township, MI 48382
Phone: 248.363.9400
Fax: 248.363.8028
www.westlakehealthcampus.com
October 2014
Before Considering
Medicare Advantage
Before considering Medicare
Advantage or other coverage other
than Traditional Medicare, or
before Adding additional Coverage,
consider these 8 points:
Coverage: How well does the plan
cover the services you need?
Your other coverage: If you have
other types of health or prescription
drug coverage, make sure you
understand how that coverage
works with Medicare.
Costs: How much are your premiums,
deductibles, and other costs? Is there
a yearly limit on what you could pay
out-of-pocket for medical services?
Doctor and hospital choice: Do your
doctors accept the coverage? Do you
have to choose your hospital and
health care providers from a network?
Prescription drugs: Do you need to join
a Medicare Prescription Drug Plan?
Will you pay a penalty if you join a
drug plan later? What will your prescription drugs cost under each plan?
Quality of care: Are you satisfied with
your medical care?
Convenience: Where are the doctor’s
offices? Can you get your prescriptions
by mail? Is the pharmacy you use in
the plan’s network?
Travel: Will the plan cover you if
you travel to another state or outside
the U.S.?
Know the Facts About
Medicare Advantage
It’s important to get balanced information before considering a Medicare
Advantage Plan. Do not rely only on
the company or representative who is
selling you the policy. Seek information from a third party.
To help you determine if traditional
Medicare is the best option for you,
take a look at the following websites
to gather information:
Medicare:
www.cms.gov/Center/Special-Topic/
Open-Enrollment-Center.html
AARP: www.search.aarp.org/
browse?Ntt=medicare%20advantage
Elder Law Answers:
www.elderlawanswers.com/search/
medicare%20advantage
SeniorMark.com:
www.seniormark.com/
Medicare Open Enrollment is October
15th – December 7th, and is when all
people with Medicare can change their
Medicare health plan and prescription
drug coverage for 2015. Be an informed
consumer – before you select a Medicare
Advantage Plan, be sure you understand
the limitations of this coverage. For
more information or for insurance
consultation, please contact a member
of our Business Office staff today.
Happy Birthday!
Theresa B. October 11
Joan H. October 15
Rita T. Florence N. Marie W. Gwen B. Anita P. October 12
October 17
October 19
October 24
October 30
Upcoming Events
Wednesday, October 22nd at 2:15 p.m.
Len will sing for the October
Birthday party
Sunday, October 26th at 2:00 p.m.
The residents will decorate
pumpkins with one of our kid
volunteer groups.
Saturday, October 25th
University of Michigan vs.
Michigan State football game
will be shown. Time TBD.
Friday, October 31st at 2:30 p.m.
there will be a Halloween Party.
There will be a costume contest and
residents are encouraged to dress
up. Family is welcome to join!
Friday, October 31st the residents
will be visited by trick-or-treaters!
They will go apartment to
apartment in the Assisted Living
and will meet in a common area
of the Health Center and Legacy.
Candy will be provided to pass
out in the common areas. Family
is welcome to come help pass
candy out! Residents and families
may bring additional candy.
Date and time will be posted!
Volunteer
News
Thank you to all the
staff, volunteers, and
family members who
brought your dogs in
for our dog day! The
residents enjoyed
meeting your pets!
Legacy Spotlight
•
Wednesday October 8th 3:00 p.m. - Chef ’s Circle
•
Wednesday October 8th 4:00 p.m. - Family Forum with Adult Day Care Provided
•
Brunch will be held on Sunday October 19th Please RSVP time
of 11:00 or 12:30 and number of guests to dietary by 10/16/14.
Legacy Mini Horse Visits!
Out & About: At the Nail Salon
Sunday Brunch
Sunday October 19th. Please RSVP
number of people and time of 11:00
a.m. or 12:30 p.m. to Dietary by
October 16th.
Themed Dinner
The residents enjoyed the Caribbean
theme dinner! The next theme dinner
will an Autumn Harvest Theme Dinner on November 7th. More details to
come in the November newsletter!
Senior Executive Club
Legacy 2-Year
Anniversary
Celebration
Senior Executive Club luncheon
Tuesday October 15th at 1:30 p.m. It
is a free club open to the community
that meets the 3rd Tuesday of each
month for lunch and activities.
Did You Know...?
That you can read the monthly
newsletter and calendars on-line in
addition to the printed copy? Please
follow the campus link www.trilogyhs.com/campuses/westlake-healthcampus and scroll down to download
the newsletter and/or calendars.
If you wish to receive newsletters via
e-mail please let someone in the life
enrichment team know you would
like to be put on the list.
The Legacy has a resource library
available with information on
healthy lifestyle tips for the
dementia caregiver. It is available
to anyone in either building or their
family member. Even if you have
looked at it before you are welcome
to look again. Some additional
resources were recently added.
Our campus has a theme of the
month? The residents had a lot
of fun with our Cruising into Fall
theme. We have several fun activities
planned for Spooktacular October!
t Photos from our
Family Night Car Show
10735 Bogie Lake Road
Commerce Township, MI 48382
Phone: 248.363.9400
Fax: 248.363.8028
www.westlakehealthcampus.com
A Trilogy Health Services Community
A monthly newsletter serving the residents
of Westlake Health Campus
Colleen Higgins
Executive Director
Kathy Dawson
Director of Health Services
Sue Poling
Director of Food Services
Monica Peterson
Business Office Manager
Allison Sherman
Life Enrichment Director
Lisa Rauch
Community Services Representative
Richard Gasperowich
Director of Plant Operations
Jenel Stoinski
Director of Resident Services
John Marko
Director of Environmental Services
Wendy Bronson
Legacy Neighborhood Director
We strive to provide the best
customer service and quality
care for our residents. Our
Department Leaders are here to
solve any concerns you may have.
In the event that you need further
assistance with any unresolved
concerns, we encourage you to
call the Divisional Vice President
or our Compliance Line.
Tim Cooper, Divisional Vice
President: [email protected]
Compliance Hotline: 800-908-8618,
ext. 2800; or [email protected]
Newsletter Production by
PorterOneDesign.com
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