Official Newspaper of Eddy County since 1883
Official Newspaper of Eddy County since 1883
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Dear Savvy Senior, What’s the easiest way to compare Medicare Part D prescription drug plans? My Part D premium is increasing again in 2025, so I would like to use the fall open enrollment to find and sign up for a cheaper plan. Shopping Around Dear Shopping, I’m happy to hear you’re comparing your Medicare coverage options this fall! Research shows that many Medicare beneficiaries with Part D coverage can lower their prescription drug costs by shopping among plans each year during the open...
Dear Savvy Senior, What can you tell me about the SSI program and what are the eligibility requirements for seniors? I’m trying to help my elderly aunt who is very low-income. Searching Niece Dear Searching, The SSI program that you’re enquiring about, which stands for Supplemental Security Income, is a program administered by the Social Security Administration (SSA) that provides monthly cash benefits to people that are disabled or over 65 based on financial need. Currently, around 7.5 mil...
Dear Savvy Senior, I recently turned 65 and would like to know if am supposed to get the pneumonia vaccine? And if so, which type of vaccine do I need and is it covered by Medicare? Relatively Healthy Dear Relatively, Yes, the Centers for Disease Control and Prevention (CDC) does indeed recommend the “pneumococcal vaccines” for pneumonia for adults age 65 and older. They’re also recommended for younger people with long-term health issues or weak immune systems, as well as children under 5 and p...
Dear Savvy Senior, I would like to arrange a simple cremation that doesn’t cost me, or my family, a lot of money. Can you offer any tips that can help me with this? Still Kicking Dear Kicking, If you’re looking for a simple and affordable way to go, cremation is an excellent choice, and one that’s become exceedingly popular in the United States. About 60 percent of Americans are now choosing cremation over a traditional burial, versus only around 20 percent in the mid-1990s. Why the big shift? P...
Dear Savvy Senior, Can you give me some tips on choosing an appropriate walker for my elderly father? He has some balance issues along with arthritis in his hips and could use a little more help than a cane provides. Wobbly in Wisconsin Dear Wobbly, When it comes to choosing a walker, there are several styles and options to consider, but selecting the best one for your father will depend on his needs, as well as where he’ll be using it. Here are some tips that can help you choose. Types of w...
Dear Savvy Senior, I’m going to retire in a few months and need to get some temporary health insurance until I can enroll in Medicare at age 65. What are my options? Early Retiree Dear Early, There are several places early retirees can find health insurance coverage before Medicare kicks in, but the best option for you will depend on your income level, your health care needs and how long you’ll need coverage for. Here’s where to look. Affordable Care Act: For most early retirees who aren...
Dear Savvy Senior, Can you recommend any programs or organizations that provide free or low-cost legal services to seniors? I believe I need some professional legal help but have limited income and very little savings. Almost 70 Dear Almost, Whether you need help drawing up a will or a contract, or you’re facing some sort of legal jeopardy or dilemma, hiring an attorney can be expensive. Most lawyers today charge anywhere between $100 and $300 an hour. Fortunately, there are a number of d...
Dear Savvy Senior, What are the early signs and symptoms of diabetes? I’m 60 years old, and in pretty good shape, but was just diagnosed with type 2 diabetes. What did I miss? Diabetic Dan Dear Dan, The signs and symptoms of type 2 diabetes can be so mild that many people miss them. That’s why testing is so important. Here’s what you should know. According to the Centers for Disease Control and Prevention more than 38 million Americans have diabetes today, and another 97 million have predi...
Dear Savvy Senior, How does Medicare cover cataract surgery? My eye doctor recently told me I’ve developed cataracts and should consider making plans for surgery in the next year or so. Almost 67 Dear Almost, Like gray hair and wrinkles, cataracts are an inevitable part of the aging process. Eventually, everyone (usually in their 60s) will develop cataracts, a condition that causes cloudy or blurry vision. The only way to correct this is through cataract surgery. Fortunately, Medicare does c...
Dear Savvy Senior, Because of my back pain and mobility problems, I’m interested in getting a walk-in bathtub that’s safe and easy to get in and out of. What all can you tell me about walk-in tubs, and can you recommend some top options? Old and Achy Dear Old, For mobility-challenged seniors, a walk-in bathtub can be a terrific option to consider because they’re much easier to get into and out of than a standard tub, which also helps prevent falls. Here’s what you should know, along with a...
Dear Savvy Senior, If my mother needs to move into a nursing home, what are the eligibility requirements to get Medicaid coverage? Caretaking Son Dear Caretaking, The rules and requirements for Medicaid eligibility for nursing home care are complicated and will vary according to the state your mother lives in. With that said, here’s a general, simplified rundown of what it takes to qualify. Medicaid eligibility Medicaid, the joint federal and state program that covers health care for the p...
Dear Savvy Senior, I recently received an email that I needed to update my online Social Security account. Is this legit or is it a scam? Suspicious Susan Dear Susan, The Social Security Administration did indeed send out a legitimate email last month to notify recipients that they are making changes to the way you access Social Security’s online services, including your personal “my Social Security” account. The changes will simplify your sign-in experience and align with federal authe...
Dear Savvy Senior, I work for a county health department and every summer we’re seeing more and more seniors get sick and even die from heat-related illness. Can you write an awareness piece on the affects extreme heat has on older adults, and what they can do to guard against this summertime risk. Thanks for helping keep seniors safe! Health Advocate Dear Advocate, Happy to oblige! Most people don’t realize that each year, extreme summertime heat kills more people in the U.S. than hurricanes, f...
Dear Savvy Senior, My 77-year-old mother, who loves to cook, has had several kitchen-related accidents over the past year. What tips can you recommend for making a kitchen safer and more practical for seniors, without doing a big expensive remodel. Inquiring Daughter Dear Inquiring, There are a number of small improvements and simple modifications you can do that can make a big difference in making your mom’s kitchen safer and easier to maneuver. Depending on her needs, here are some tips for d...
Dear Savvy Senior, Is macular degeneration hereditary? My mother lost much of her vision from it before she died, and now at age 65, I’m concerned I may get it too. What can you tell me? Brown Eyed Betty Dear Betty, Unfortunately, having a parent or sibling with macular degeneration does indeed increase your risk of getting it by three to four times. But the good news is there are things you can do to protect your eyesight, and a number of treatments that are available if you do happen to get i...
Dear Savvy Senior, I need to hire a good in-home caregiver to help my elderly father who lives alone. What’s the best way to do this? Searching Sarah Dear Sarah, Finding a good in-home caregiver for an elderly parent is not always easy. How can you find one that’s reliable and trustworthy, as well as someone your parent likes and is comfortable with? Here are some tips that can help. Know his needs Before you start the task of looking for an in-home caregiver, your first step is to det...
Dear Savvy Senior, My wife and I had our estate plan – including a will, power of attorney and advance directive – drawn up about 10 years ago but have recently read that our plan should include a digital will too. What can you tell us about this? Almost 80 Dear Almost, If you or your wife spend much time online, adding a separate digital will document to your estate plan that provides a list of your digital assets would be extremely helpful to your loved ones when you die, not to mention it...
Dear Savvy Senior, Can I stop my Social Security retirement benefits and restart them later to get a bigger payment? I recently got a nice unexpected inheritance, so don’t need the money from Social Security right now. If possible, I would like to suspend my benefits and restart them at age 70. Do-over Dan Dear Dan, Yes, there are actually two different strategies that allow Social Security beneficiaries to undo their claiming decision. But to be eligible, there are certain conditions y...
Dear Savvy Senior, Are there any easier alternatives to a colonoscopy to screen for colon cancer? I just turned 60 and my wife keeps nagging me to get tested, but I hate the idea of drinking that laxative solution and being sedated for the procedure. Squeamish Steven Dear Steven, While a colonoscopy remains the most accurate screening test for detecting colon cancer (94 percent accurate), there are other easier – although less accurate – tests available. But be aware that if the result of one...
Dear Savvy Senior, I understand that the Veterans Administration has a benefit that can help veterans and spouses with long-term care costs. We recently had to move my elderly father into an assisted living memory care facility, and my mother will probably need care too in the near future. What can you tell me? Searching for Aid Dear Searching, The Veterans Administration (VA) does indeed have an underutilized benefit that can help wartime veterans and their surviving spouses pay for a variety...
Dear Savvy Senior, How can I tell if the health info on a website is trustworthy? I usually do a Google search on a symptom, drug or health condition when I want to research something, but with so much information out there I’m not sure what I can trust. Skeptical Sal Dear Sal, You’re wise to be skeptical! There’s an overwhelming amount of health advice on the internet today and it can be hard to tell what’s credible. To help you sort through the online clutter and locate reliable, trustwo...
Dear Savvy Senior, Are there any programs that you can refer me to that financially help grandparents who are raising their grandkids? I’m raising two of my grandchildren and could use some help. Tapped Out Tonya, Dear Tonya, Money is a common problem for the nearly 2.4 million U.S. grandparents who are raising their grandchildren today. To help with the day-to-day expenses, there are a wide variety of programs and tax benefits that can make a big difference in stretching your budget. H...
Dear Savvy Senior, What gardening tips can you offer to older seniors? I love to putter around and work in the garden, but my back and knees have caused me to curtail my gardening activities, which I miss greatly. Older Gardner Dear Older, There’s no doubt that gardening can be hard on an aging body. Joints stiffen up, kneeling for prolonged periods hurts, and bending and reaching can strain muscles. But that doesn’t mean you have to give up your hobby. You just need to garden differently, add...
Can you recommend some good resources to help me locate some quality doctors in my area? I’m looking for an orthopedic doctor for my 77-year-old mother and a new internist for me, since my doctor retired last year. Searching Susan Dear Susan, Finding and researching doctors is a lot easier than it used to be. Today, there are a variety of websites you can turn to that provide databases of U.S. doctors, their professional medical histories, and ratings and reviews from past patients on a n...
Dear Savvy Senior, I was recently notified that the Affordable Connectivity Program, which subsidizes my monthly internet bill, is about to end. What are my options for finding affordable home internet services now? I’m 71 years old and live primarily on my Social Security benefits. Barely Getting By Dear Barely, It’s unfortunate, but without additional funding from Congress, the Affordable Connectivity Program (ACP) is winding down and will end in mid-May. For those that aren’t familiar with...
