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My name is Lee Coray-Ludden. I am a Certified Medicare Counselor through SHIP, the State Health Insurance Program. They provide the training and supervision. I serve the State of Alaska by phone and have been traveling around Alaska – it’s been fun and educational. My office is in the Soldotna Senior Center, that is also how the phone will be answered. My number is 907-262-2322. I work Monday through Thursday, 8 a.m. to 3:30 p.m. Just ask for Lee. I look forward to finding answers and possible solutions together. Currently there is a lot of...
As a military veteran, this month’s topic resonates with me. Medicare can work with military-related healthcare, whether you are a military veteran or a military retiree. As a reminder, Original Medicare (available to the majority of eligible Alaskans) consists of Part A (hospitalization insurance) and/or Part B (medical service providers insurance). Part D is Medicare’s prescription drug plan benefit offered through third-party insurers who are approved both by Medicare and the State of Ala...
Consumers can now buy hearing aids without a prescription, possibly saving thousands of dollars per pair. The new devices - designed for those with mild to moderate hearing loss - are expected to transform the hearing aid market. They are being sold at stores and online without a medical exam, prescription or special fitting by an audiologist. This follows a ruling on Aug. 16, when the Food and Drug Administration (FDA) agreed to allow over-the-counter hearing aids to be sold directly to...
Dear Savvy Senior: What are the most common scams today that target elderly seniors? My 75-year-old mother has been swindled several times over the past year, so I’m being extra cautious. –Paranoid Patty Dear Patty: Great question. While many scams today are universal, there are certain types of fraud that specifically target older adults or affects them disproportionately. And unfortunately, these senior targeted scams are on the rise. According to the Federal Bureau of Investigation (FBI), in 2021 there were 92,371 older victims of fraud resu...
A Social Security cost–of–living–adjustment (COLA) of 8.7% is rare — enjoy it now. This may be the first and possibly the last time that beneficiaries today receive a COLA this high. There were only three other times since the start of automatic inflation adjustments that COLAs were higher (1979-1981). You can find a history of the COLA at https://www.ssa.gov/oact/cola/colaseries.html. Without a COLA that adequately keeps pace with inflation, Social Security benefits purchase less over time, and that can create hardships especially as older A...
Medicare Part D, the prescription drug benefit, is the part of Medicare that covers most outpatient prescription drugs. Part D is offered through private companies as a standalone prescription drug plan (PDP) for those enrolled in Original Medicare. Sometimes a Part D plan's costs change or the plan no longer covers your medications. Today I will discuss how you can review your current plan, or choose to enroll in a new Part D plan. The goal is to ensure you have the lowest cost coverage that...
Another autumn is upon us, and one thing that means is that Medicare's Open Enrollment Period (OEP) will be happening soon. Each year from Oct. 15 through Dec. 7, you can make changes to your Medicare sponsored Prescription Drug (also known as Part D) coverage in order to meet your needs for calendar year 2023. As long as you make your decision and request any coverage changes by Dec. 7, then that insurance coverage will be effective, Jan. 1. You may be able to receive better drug coverage at a...
Oct. 18, 2022, is Alaska Day. It marks the formal transfer of Alaska from the Russian Empire to the United States of America. 2022 is the 154th anniversary of this transfer that changed and impacted the history of our state. It is something we can celebrate. We can also celebrate when we take the time to take care of ourselves. A part of this includes making sure we are current on our Medicare enrollment. People do have questions regarding Medicare. It is a large federal health insurance program and can be complex due to the unique needs of...
Q: Why aren’t assisted living costs covered by my health insurance program? A: When people think about assisted living, they often presume costs are covered by their medical plan. However, as a general rule, traditional employer-based health insurance will not cover daily care over a long period of time. A common misconception is that Medicare extends to long-term care stays. However, Medicare is strictly a health insurance program that covers costs related to illnesses and injuries and, to s...
Dear Savvy Senior: What kind of changes can Medicare beneficiaries expect to see in the Inflation Reduction Act that was recently signed into law? I’m enrolled in original Medicare and have a Part D prescription drug plan but spent more than $6,000 out-of-pocket last year on medications alone. - Overpaying Paul Dear Paul: The climate, tax and health care bill known as the Inflation Reduction Act that was passed by Congress and signed into law by President Biden last month includes significant improvements to the Medicare program that will k...
You may make changes to your Medicare Part D prescription drug plan coverage each year during Medicare’s Open Enrollment Period, which runs Oct. 15 to Dec. 7. Beginning in September, you may receive notices with information about possible changes to your coverage for the coming year. Please read these notices, as these can help you decide if you should make changes to your coverage during Medicare’s Open Enrollment Period. If you are currently enrolled in Medicare, watch for the “Medicare & You...
September is National Preparedness Month. It is a reminder to take a few moments and organize those items that will reduce your stress when an emergency happens. For Alaskans, the first thought is often an earthquake and possible tsunami in coastal areas. Other emergencies can be fires or power outages that last for days due to storms. The best place to go is ‘National Preparedness Month’ at www.Ready.gov. Under that heading is a list of topics including “Build A Kit”. It is a detailed listed of things to have ready in case of an emergen...
Dear Savvy Senior: I just turned 65 and would like to learn more about the stronger flu shots I see advertised for older adults. What can you tell me about them and how are they covered by Medicare? – Senior Novice Dear Novice: There are actually three different types of senior-specific flu shots (you only need one) that the CDC is now recommending to people age 65 and older. These FDA-approved annual vaccines are designed to offer extra protection beyond what a standard flu shot provides, which is important for older adults who have weaker i...
Anchorage, Alaska is officially the 678th community to enroll in the AARP Network of Age-Friendly States and Communities (NAFSC). An AARP Age-Friendly Community is one where a city’s elected leadership has made a commitment to actively work with residents and local advocates to make their city a safe and fulfilling place to live for people of all ages. As an NAFSC member, Anchorage is now publicly recognized for its commitment to becoming age-friendly and will receive access to resources for identifying and assessing community needs, as well a...
Our Medicare benefits were established under the Social Security Amendment of 1965, reflecting the restrictions and limitations of most health insurance at that time. This law excluded coverage for certain things, like dental care and routine vision services. Long-term care is also excluded because these services do not meet the definition of health care services in the law. Just because something is not covered by Medicare, though, does not mean that it isn’t needed. As I discuss some types o...
Regardless of the area you live in, there are ‘must dos’ for the summer months for Alaskans. It is a time to plant, gather, harvest and, for many, fish. On the Kenai Peninsula, fishing is active with subsistence, dipnetting, setnetting, drift fishing and just plain fishing. And that is often followed by smoking, freezing and canning. All of this in preparation for the winter months, along with tending the gardens, and fighting with the birds as to who will get berries. It is also a time for building and repairing the structures we call hom...
For nearly 90 years, Social Security has provided financial protection to communities throughout the United States, including the Hispanic community. Today, our retirement, disability, and survivors benefits are an important source of income for Hispanics. Our Spanish-language website, www.ssa.gov/espanol, provides information for those whose primary language is Spanish. There, people can learn how to get a Social Security card, plan for retirement, apply for benefits, manage their benefits, and much more. We also provide many publications in...
Dear Savvy Senior: What types of financial resources are available to help seniors pay for long-term care? My 86-year-old mother will need either an assisted living facility or nursing home care in the near future, but she doesn’t have long-term care insurance and her savings are minimal. - Searching Daughter Dear Searching: The cost of assisted living and nursing home care in the U.S is very expensive. According to the Genworth cost of care survey tool, the national median cost for an assisted living facility today is over $4,600 per month, w...
Editor’s note: This press statement was received June 9, 2022. Congressman Peter DeFazio and Senator Bernie Sanders today introduced joint legislation, the Social Security Expansion Act (SSEA), to strengthen and expand Social Security for current and future generations. “As a trained gerontologist, I have devoted my career to protecting and expanding programs that are vital to seniors. One of my highest priorities is protecting Social Security, which millions of Americans rely on, including hundreds of thousands of Oregonians” said Rep. DeFaz...
Hospice is a program of comfort care and end-of-life pain management for those with a terminal illness. In this month’s review of Medicare-covered hospice, we speak directly to patients as if they are the ones taking these actions or making these decisions. However, discussions about hospice often involve caregivers and family members as well. If you are a caregiver, family member, or a patient’s appointed representative, you may be leading these conversations or decisions, rather than the patient. You are also encouraged to call one of our...
High inflation has caused Social Security benefits to lose 40% of their buying power since the year 2000, according to the latest update of an ongoing study by The Senior Citizens League (TSCL), a Washington D.C.-based senior advocacy organization. "That's the deepest loss in buying power since the beginning of this study by The Senior Citizens League in 2010," says Mary Johnson, a Social Security policy analyst for The Senior Citizens League who conducted the research. Based on the most recent...
This June, we acknowledge 25 years of progress helping each other in preventing Medicare fraud. We appreciate your efforts, both for yourself, your fellow Alaskans, and all who benefit from Medicare. As your local Senior Medicare Patrol (SMP), we are ready to provide you with the information to protect yourself from Medicare fraud, errors and abuse. If you have any questions or concerns, please call the State of Alaska’s Medicare Information Office (MIO) to speak with any of our certified c...
Things don’t always go according to plan. When unforeseen challenges or mistakes occur, you may wish to know to whom you may voice your concerns and who can help resolve your concerns. For an appeal regarding a denied claim, be sure to review your Medicare Summary Notice (MSN) to submit the appeal in writing. You are also encouraged to call the Medicare Information Office to speak with any of our certified counselors if you need assistance with the appeals process. Quality concerns If you h...
Medicare is part of the Social Security Administration. Medicare can be a complex and sometimes confusing program. It helps to have someone to talk to and ask questions to. That is my job. My name is Lee Coray-Ludden, I am based out of the Soldotna Senior Center, and my job is to serve Southeast Alaska, and any other state residents that would like to talk to someone in person. I am trained and supervised by SHIP (the State Health Insurance Program) and coordinate with them. How do I sign up for Medicare? When do I have to sign up? How does...
An estimated 6.5 million Americans age 65 and older are living with Alzheimer’s disease today. This is nearly 11% of seniors in the U.S. The cost of caring for patients with Alzheimer’s is approaching $300 billion annually, which is greater than the economy of Finland. All cancer care costs in the U.S. last year approached $25 billion, by comparison. Your Medicare part B premium increased recently to cover the cost of a controversial and expensive new drug (Aduhelm). The drug doesn’t work very well, in part because it attacks amyloid plaqu...
